First Business Financial Services (FBIZ)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 70.20 $ — 100% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
4 of 10 Weak growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 22.8% passed
- More than 10% revenue growth is expected for the coming year 7.8% failed
- Share count grows by less than 3% a year -0.3% passed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 28.3% failed
- Gross margin at 40% or higher and without meaningful erosion 57.3% failed
- Goodwill from acquisitions does not grow faster than revenue 0.3% passed
- Net debt below twice EBITDA 3.4 x EBITDA failed
- Operating cash flow covers the profits of the last three years 62 m passed
- Return on capital at 15% or higher, or up versus two years ago 1.5% failed
- Insiders hold at least 10% or are net buyers 4.8% failed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Analysts & Price Target
The price target sits 4.6% above the current price.
- Consensus
- Sell
- Analyst Ratings
- 5
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 6.47 | 6.21 – 6.80 | 185 | 8.8% | 4 |
| 12/31/2027 | 6.83 | 6.65 – 7.00 | 198 | 5.7% | 5 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 1.78 | 47.50 | 68 | 10.10 | 21.20 | 22 | 22 |
| 2025: Q1 | 1.32 | 26.90 | 67 | 7.30 | 16.60 | 11 | 11 |
| 2025: Q2 | 1.35 | 9.80 | 69 | 4.90 | 16.70 | 16 | 16 |
| 2025: Q3 | 1.70 | 37.10 | 73 | 10.50 | 19.60 | 18 | 18 |
| 2025: Q4 | 1.58 | -11.20 | 70 | 3.10 | 19.00 | 16 | 16 |
| 2026: Q1 | 1.44 | 9.10 | 71 | 5.30 | 17.30 | 3 | 3 |
| 2026: Q2 | 1.84 | 36.30 | – | – | – | 44 | 44 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 92 | 17 | 15 | 1.74 | 26 | 162 | 1,781 |
| 2017 | 90 | 14 | 12 | 1.38 | 22 | 169 | 1,794 |
| 2018 | 107 | 18 | 16 | 1.89 | 25 | 181 | 1,966 |
| 2019 | 121 | 25 | 23 | 2.74 | 29 | 194 | 2,097 |
| 2020 | 119 | 18 | 17 | 2.03 | 27 | 206 | 2,568 |
| 2021 | 124 | 47 | 36 | 4.30 | 36 | 232 | 2,653 |
| 2022 | 151 | 52 | 41 | 4.97 | 39 | 261 | 2,977 |
| 2023 | 89 | 23 | 17 | 2.13 | 54 | 290 | 3,508 |
| 2024 | 262 | 51 | 44 | 5.43 | 57 | 329 | 3,853 |
| 2025 | 279 | 60 | 50 | 6.17 | 62 | 372 | 4,082 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
First Business Financial Services, Inc. ist die Bankholding der First Business Bank, die Geschäftsbankprodukte und -dienstleistungen für kleine und mittlere Unternehmen, Unternehmer, Führungskräfte, Selbständige und vermögende Privatpersonen in Wisconsin, Kansas und…
| Employees | 365 |
|---|---|
| Headquarters | Madison, WI |
| Address | 401 Charmany Drive, 53719 Madison, United States |
| Phone | 608 238 8008 |
| Website | firstbusiness.bank |
| IPO Date | 7. Oct 2005 |
| ISIN | US3193901002 |
| Stock Split | 2:1 on 08/31/2015 |
Management
| Name | Title | Birth Year |
|---|---|---|
| David R. Seiler | President, CEO & Director | 1965 |
| Brian S. Spielmann CPA, M.B.A. | CFO & Treasurer | 1984 |
| Bradley A. Quade | Executive VP & Chief Credit Officer | 1966 |
| Kevin D. Crampton CPA | Chief Accounting Officer | 1986 |
| Daniel S. Ovokaitys | Chief Information Officer | 1974 |
| Jodie Johnson | Senior Director of Marketing & Communications | – |
| Jodi A. Chandler | Chief Human Resources Officer & Assistant Corporate Secretary | 1965 |
| Bill Elliott | President of Accounts Receivable Financing at First Business Specialty Finance, LLC | – |
| Chris Doering | Senior VP & Director of Commercial Banking | – |
| Josh Hoesch | President of Greater Dane County Market | – |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.