First Business Financial Services (FBIZ) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
First Business Financial Services stock (FBIZ) is currently trading at $53.30. First Business Financial Services PE ratio is 8.69. First Business Financial Services PS ratio (Price-to-Sales) is 2.69. Analyst consensus price target for FBIZ is $67.20. WallStSmart rates FBIZ as Moderate Buy.
- FBIZ PE ratio analysis and historical PE chart
- FBIZ PS ratio (Price-to-Sales) history and trend
- FBIZ intrinsic value — DCF, Graham Number, EPV models
- FBIZ stock price prediction 2025 2026 2027 2028 2029 2030
- FBIZ fair value vs current price
- FBIZ insider transactions and insider buying
- Is FBIZ undervalued or overvalued?
- First Business Financial Services financial analysis — revenue, earnings, cash flow
- FBIZ Piotroski F-Score and Altman Z-Score
- FBIZ analyst price target and Smart Rating
First Business Financial Services
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FBIZ Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · First Business Financial Services (FBIZ)
FBIZ trades 45% above its Graham fair value of $40.39, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
First Business Financial Services (FBIZ) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Concerns around eps growth. Overall metrics suggest strong investment potential with favorable risk/reward.
First Business Financial Services (FBIZ) Key Strengths (5)
Keeps $42 of every $100 in revenue after operating costs
Keeps $32 of every $100 in revenue as net profit
70.82% of shares held by major funds and institutions
Good growth relative to its price
Trading at 1.21x book value, attractively priced
Supporting Valuation Data
First Business Financial Services (FBIZ) Areas to Watch (5)
Earnings declining -8.10%, profits shrinking
Modest revenue growth at 5.00%
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Revenue is fairly priced at 2.69x sales
First Business Financial Services (FBIZ) Detailed Analysis Report
Overall Assessment
This company scores 66/100 in our Smart Analysis, earning a B- grade. Out of 10 metrics analyzed, 5 register as strengths (avg 9.2/10) while 5 fall into concern territory (avg 4.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Institutional Own.. Valuation metrics including PEG Ratio (1.24), Price/Book (1.21) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 42.20%, Profit Margin at 31.50%.
The Bear Case
The primary concerns are EPS Growth, Revenue Growth, Market Cap. Some valuation metrics including Price/Sales (2.69) suggest expensive pricing. Growth concerns include Revenue Growth at 5.00%, EPS Growth at -8.10%, which may limit upside. Profitability pressure is visible in Return on Equity at 14.40%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 14.40% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 5.00% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (EPS Growth, Revenue Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
FBIZ Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
FBIZ's Price-to-Sales ratio of 2.69x sits near its historical average of 2.61x (67th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 57% below its historical high of 6.28x set in Oct 2014, and 175% above its historical low of 0.98x in Sep 2020.
WallStSmart Analysis Synopsis
Data-driven financial summary for First Business Financial Services (FBIZ) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
First Business Financial Services is a strong growth company balancing expansion with improving profitability. Revenue reached 160M with 500% growth year-over-year. Profit margins are strong at 31.5%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 500% YoY, reaching 160M. This pace significantly outperforms most BANKS - REGIONAL peers.
ROE of 1440.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can First Business Financial Services maintain 500%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 222.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact First Business Financial Services.
Bottom Line
First Business Financial Services offers an attractive blend of growth (500% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About First Business Financial Services(FBIZ)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
First Business Financial Services, Inc. is the banking holding company for First Business Bank providing commercial banking products and services for small and medium-sized businesses, business owners, executives, professionals and high net worth individuals. The company is headquartered in Madison, Wisconsin.