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    First Business Financial Services (FBIZ)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $70.08
    +0.78 (+1.13%)

    Market Cap: $585.45M

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    79%(31/39)
    Avg Surprise
    +10.24%
    Streak
    9 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$1.67
    Range$1.60 - $1.78
    5 analysts
    EPS Revisions
    4
    0
    7d
    4
    0
    30d
    EPS Estimate DriftChange to current
    90d ago$1.59+4.9%
    60d ago$1.64+2.0%
    30d ago$1.66+0.7%
    7d ago$1.66+0.7%
    Current$1.67
    Revenue Consensus
    $47M
    Range$46M - $48M
    4 analysts
    Period ending Dec 31, 2026
    EPS Consensus$1.90
    Range$1.70 - $2.15
    5 analysts
    Revenue Consensus
    $50M
    Range$48M - $51M
    4 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$1.90---
    Sep 26EST
    		-$1.67---
    Jun 26
    Reported Jul 30
    		$1.70$1.54+10.39%Beat+25.9%
    Mar 26
    Reported Apr 23
    		$1.44$1.42+1.41%Beat+9.1%
    Dec 25
    Reported Jan 29
    		$1.58$1.39+13.67%Beat-7.6%
    Sep 25
    Reported Oct 30
    		$1.70$1.39+22.30%Beat+37.1%
    Jun 25
    Reported Jul 24
    		$1.35$1.33+1.50%Beat+9.8%
    Mar 25
    Reported Apr 24
    		$1.32$1.27+3.94%Beat+26.9%
    Dec 24
    Reported Jan 30
    		$1.71$1.26+35.71%Beat+48.7%
    Sep 24
    Reported Oct 24
    		$1.24$1.19+4.20%Beat+6.0%
    Jun 24
    Reported Jul 25
    		$1.23$1.09+12.84%Beat+25.5%
    Mar 24
    Reported Apr 25
    		$1.04$1.12-7.14%Miss-1.0%
    Dec 23
    Reported Jan 25
    		$1.15$1.13+1.77%Beat-2.5%
    Sep 23
    Reported Oct 26
    		$1.17$1.17+0.00%Beat-6.4%
    Jun 23
    Reported Jul 27
    		$0.98$0.99-1.01%Miss-24.0%
    Mar 23
    Reported Apr 27
    		$1.05$1.07-1.87%Miss+2.9%
    Dec 22
    Reported Jan 26
    		$1.18$1.14+3.51%Beat+16.8%
    Sep 22
    Reported Oct 27
    		$1.25$1.00+25.00%Beat+16.8%
    Jun 22
    Reported Jul 28
    		$1.29$0.90+43.33%Beat+35.8%
    Mar 22
    Reported Apr 28
    		$1.02$0.91+12.09%Beat-8.9%
    Dec 21
    Reported Jan 27
    		$1.01$0.93+8.60%Beat+42.3%
    Sep 21
    Reported Oct 28
    		$1.07$0.88+21.59%Beat+114.0%
    Jun 21
    Reported Jul 29
    		$0.95$0.82+15.85%Beat+97.9%
    Mar 21
    Reported Apr 29
    		$1.12$0.76+47.37%Beat+194.7%
    Dec 20
    Reported Jan 28
    		$0.71$0.59+20.34%Beat+2.9%
    Sep 20
    Reported Oct 22
    		$0.50$0.48+4.17%Beat-15.3%
    Jun 20
    Reported Jul 23
    		$0.48$0.30+60.00%Beat-36.0%
    Mar 20
    Reported Apr 23
    		$0.38$0.45-15.56%Miss-17.4%
    Dec 19
    Reported Jan 23
    		$0.69$0.55+25.45%Beat+86.5%
    Sep 19
    Reported Oct 24
    		$0.59$0.52+13.46%Beat-4.8%
    Jun 19
    Reported Jul 25
    		$0.75$0.47+59.57%Beat+97.4%
    Mar 19
    Reported Apr 25
    		$0.46$0.46+0.00%Beat+9.5%
    Dec 18
    Reported Jan 24
    		$0.37$0.48-22.92%Miss-19.6%
    Sep 18
    Reported Oct 25
    		$0.62$0.50+24.00%Beat+106.7%
    Jun 18
    Reported Jul 26
    		$0.38$0.47-19.15%Miss+72.7%
    Mar 18
    Reported Apr 26
    		$0.42$0.41+2.44%Beat+7.7%
    Dec 17
    Reported Jan 25
    		$0.46$0.39+17.95%Beat-14.8%
    Sep 17
    Reported Oct 26
    		$0.30$0.45-33.33%Miss-
    Jun 17
    Reported Jul 27
    		$0.22$0.41-46.34%Miss-
    Mar 17
    Reported Apr 27
    		$0.39$0.38+2.63%Beat-
    Dec 16
    Reported Jan 26
    		$0.54$0.41+31.71%Beat-

    Dividends

    Dividend Metrics

    Forward Yield1.94%
    Forward Annual Dividend$1.36
    Payout Ratio19.37%
    FrequencyQuarterly
    Pay MonthsFeb, May, Aug, Dec

    Growth

    3Y CAGR+13.66%
    5Y CAGR+11.94%
    FBIZ dividend history and ex-dividend datesRun FBIZ in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio10.92EV/EBITDA14.57x
    Price/FCF7.11xFCF Yield14.07%
    Profitability
    Profit Margin32.80%Operating Margin39.50%
    ROE15.00%ROIC5.64%
    Financial Health
    Debt/Equity1.49xInterest Coverage0.59x
    Current Ratio17.05xQuick Ratio17.05x
    Trading Statistics
    Beta0.67Avg Volume70.72K
    52-Week High$73.7452-Week Low$45.86

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$70.18
    SMA 20$70.03
    SMA 50$70.63
    SMA 200$61.05
    EMA 10$69.98
    EMA 20$70.17
    EMA 50$69.53
    EMA 200$62.49

    MACD

    Line: -0.17Signal: -0.12Hist: -0.06

    ADX

    ADX: 19.2+DI: 19.0-DI: 24.1

    Aroon & PSAR

    Aroon Up8.0
    Aroon Down60.0
    PSAR$68.51

    Bollinger Bands

    Upper Band$71.41
    Lower Band$68.66
    %B Position392%(Upper)
    Band Width0.52

    RSI (14-Day)

    Neutral
    49.3

    Momentum Oscillators

    Stoch %K56.6
    Stoch %D57.1
    Williams %R-35.9
    ROC (10d)0.8%
    Momentum0.59
    CCI (20d)22.3
    MFI (14d)39.0

    Volatility Measures

    ATR (14d)$1.51(2.2%)
    StdDev (20d)0.69
    Hist Vol17.2%(Low)

    Volume Flow

    VWAP$70.24
    OBV544.0K
    AD Line-14.5M
    CMF (20d)-0.049

    Volume Metrics

    Avg Vol (20d)73.3K
    Vol Ratio1.0x
    VWMA (20d)$70.05

    Pivot Points

    R3$71.67
    R2$70.88
    R1$70.09
    Pivot Point$69.30
    S1$68.51
    S2$67.72
    S3$66.93

    Advanced Oscillators

    TSI-4.02
    Ultimate Osc53.4
    KST-12.93

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$73.59M$70.67M$70.21M$73.39M$68.54M$67.11M$68.11M$66.39M$65.33M$62.54M$61.85M$59.37M
    Cost of Revenue$28.94M$29.34M$29.84M$30.30M$30.20M$28.93M$29.66M$30.41M$29.08M$28.60M$27.79M$24.16M
    Gross Profit$44.65M$41.33M$40.37M$43.09M$38.34M$38.18M$38.45M$35.98M$36.25M$33.94M$34.06M$35.21M
    Operating Expenses$27.85M$26.95M$24.13M$25.70M$24.97M$24.72M$23.15M$23.11M$23.88M$23.34M$21.59M$23.19M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$19.95M$19.99M$18.15M$18.26M$17.37M$18.21M$16.26M$16.50M$16.83M$16.77M$15.03M$16.25M
    Operating Income$16.80M$14.38M$16.24M$17.39M$13.37M$13.46M$15.30M$12.88M$12.37M$10.60M$12.47M$12.02M
    Interest Income$65.02M$61.90M$62.75M$63.75M$61.28M$59.53M$60.11M$59.33M$57.91M$55.78M$54.76M$50.94M
    Interest Expense$26.88M$26.38M$27.99M$28.86M$27.50M$26.27M$26.96M$28.32M$27.37M$26.27M$25.22M$22.34M
    Income Before Tax$16.80M$14.38M$16.24M$17.39M$13.37M$13.46M$15.30M$12.88M$12.37M$10.60M$12.47M$12.02M
    Income Tax Expense$1.22M$2.18M$2.90M$2.99M$1.95M$2.29M$885,000$2.35M$1.92M$1.75M$2.70M$2.08M
    Net Income$15.58M$12.20M$13.33M$14.39M$11.42M$11.17M$14.41M$10.53M$10.46M$8.85M$9.77M$9.94M
    EBITDA$17.76M$15.31M$17.19M$18.39M$14.32M$14.33M$16.32M$13.83M$13.35M$11.39M$13.27M$12.99M
    EBIT$16.80M$14.38M$16.24M$17.39M$13.37M$13.46M$15.30M$12.88M$12.37M$10.60M$12.47M$12.02M
    * Some calculated fields are derived from available data when not provided by source

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    News

    First Business Financial Services Q3 2026 Earnings Date and Estimates

    First Business Financial Services (FBIZ) is projected to release its Q3 2026 earnings on Thursday, October 29, 2026, after market close, with a conference call scheduled for October 30...

    MarketBeat•10/10/26•Neutral

    First Business Financial Services (NASDAQ:FBIZ) Sees Strong Trading Volume - Here's What Happened

    First Business Financial Services (NASDAQ:FBIZ) experienced strong trading volume, with shares declining 1.5% to $70.025. Despite the dip...

    MarketBeat•10/9/26•Somewhat-Bullish

    First Business Financial Services stock gets a Q3 results date

    First Business Financial Services (FBIZ) has scheduled its third-quarter 2026 results release for October 29, 2026...

    AD HOC NEWS•10/6/26•Bullish

    Raymond James starts coverage of First Business Financial Services stock

    Raymond James has initiated coverage of First Business Financial Services (FBIZ) with an Outperform rating and a price target of USD 75.00. This comes after the company reported strong second-quarter earnings...

    AD HOC NEWS•10/6/26•Bullish

    First Business Financial Services (NASDAQ: FBIZ) Stock Price, News & Analysis

    This article provides an overview of First Business Financial Services (NASDAQ: FBIZ), a regional bank holding company offering commercial banking and wealth management services in Wisconsin, Kansas...

    kalkine.ca•10/3/26•Somewhat-Bullish

    FBIZ Valuation and Fair Value

    P/E
    10.9x
    Forward P/E
    9.0x
    EV/EBITDA
    14.6x
    P/FCF
    7.1x
    PEG
    1.2x
    P/B
    1.5x
    See GNG's fair value

    FBIZ Profitability: Margins, ROIC and FCF

    Gross margin
    58.9%
    Operating margin
    39.5%
    Net margin
    32.8%
    ROIC
    5.6%
    ROE
    15.0%
    FCF margin
    28.1%
    FCF yield
    14.1%

    FBIZ Competitors

    CompanyTicker
    Crawford & CompanyCRD-A
    Greene County Bancorp IncGCBC
    Brighthouse Financial, Inc.BHFAN
    Velocity Financial LlcVEL
    PIMCO Access Income FundPAXS
    Southern First Bancshares IncSFST
    Forge Global Holdings IncFRGE
    Kearny Financial CorpKRNY

    Sector: Financial Services

    FBIZ Analyst Ratings

    Consensus
    Strong Buy
    Analysts
    5
    Strong Buy
    3
    Buy
    2
    Hold
    0
    Sell
    0
    Strong Sell
    0

    FBIZ Bull Case vs Bear Case

    Bull case

    • FBIZ converts 28.1% of revenue into free cash flow.
    • FBIZ has a 32.8% net profit margin.
    • FBIZ beat EPS estimates in 100.0% of its last 8 reported quarters.

    FBIZ Earnings: Beat Rate and Next Report

    Beat rate
    8 of 8 quarters (100.0%)
    Average surprise
    11.6%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $1.67
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    4 up, 0 down

    FBIZ Dividend

    Forward yield
    1.9%
    Payout ratio
    19.4%
    3Y DPS growth
    13.7%
    5Y DPS growth
    11.9%
    Pay months
    Feb, May, Aug, Dec
    FBIZ dividend history

    Frequently Asked Questions About FBIZ

    What is FBIZ's current dividend yield?

    First Business Financial Services (FBIZ) has a forward dividend yield of 1.94%.

    Does FBIZ pay dividends?

    Yes, First Business Financial Services pays dividends with a forward dividend yield of 1.94%.

    What is FBIZ's P/E ratio?

    First Business Financial Services has a price-to-earnings (P/E) ratio of 10.92.

    What is FBIZ's market cap?

    First Business Financial Services (FBIZ) has a market capitalization of $585.45M with a current stock price of $70.08.

    Related stocks

    Sector: Financial Services

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