F

    First Business Financial Services (FBIZ)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $69.87
    -0.98 (-1.38%)

    Market Cap: $592.89M

    Last updated: Sep 01, 2026 at 10:00 AM ET

    Earnings

    Performance (10Y)

    Beat Rate
    78%(31/40)
    Avg Surprise
    +8.76%
    Streak
    9 Q

    Upcoming Estimates

    Sep 30, 2026
    EPS Consensus$1.66
    Range$1.60 - $1.78
    5 analysts
    EPS Revisions
    4
    0
    7d
    4
    0
    30d
    EPS Estimate Drift
    90d ago$1.59-4.0%
    60d ago$1.59-4.0%
    30d ago$1.59-4.0%
    7d ago$1.59-4.0%
    Current$1.66
    Revenue Consensus
    $47M
    Range$46M - $48M
    4 analysts
    Dec 31, 2026
    EPS Consensus$1.90
    Range$1.72 - $2.17
    5 analysts
    Revenue Consensus
    $50M
    Range$49M - $51M
    4 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$1.90---
    Sep 26EST
    		-$1.66---
    Jun 26
    		$1.70$1.54+10.39%Beat+25.9%
    Mar 26
    		$1.44$1.42+1.41%Beat+9.1%
    Dec 25
    		$1.58$1.39+13.67%Beat-7.6%
    Sep 25
    		$1.70$1.39+22.30%Beat+37.1%
    Jun 25
    		$1.35$1.33+1.50%Beat+9.8%
    Mar 25
    		$1.32$1.27+3.94%Beat+26.9%
    Dec 24
    		$1.71$1.26+35.71%Beat+48.7%
    Sep 24
    		$1.24$1.19+4.20%Beat+6.0%
    Jun 24
    		$1.23$1.09+12.84%Beat+25.5%
    Mar 24
    		$1.04$1.12-7.14%Miss-1.0%
    Dec 23
    		$1.15$1.13+1.77%Beat-2.5%
    Sep 23
    		$1.17$1.17+0.00%Beat-6.4%
    Jun 23
    		$0.98$0.99-1.01%Miss-24.0%
    Mar 23
    		$1.05$1.07-1.87%Miss+2.9%
    Dec 22
    		$1.18$1.14+3.51%Beat+16.8%
    Sep 22
    		$1.25$1.00+25.00%Beat+16.8%
    Jun 22
    		$1.29$0.90+43.33%Beat+35.8%
    Mar 22
    		$1.02$0.91+12.09%Beat-8.9%
    Dec 21
    		$1.01$0.93+8.60%Beat+42.3%
    Sep 21
    		$1.07$0.88+21.59%Beat+114.0%
    Jun 21
    		$0.95$0.82+15.85%Beat+97.9%
    Mar 21
    		$1.12$0.76+47.37%Beat+194.7%
    Dec 20
    		$0.71$0.59+20.34%Beat+2.9%
    Sep 20
    		$0.50$0.48+4.17%Beat-15.3%
    Jun 20
    		$0.48$0.30+60.00%Beat-36.0%
    Mar 20
    		$0.38$0.45-15.56%Miss-17.4%
    Dec 19
    		$0.69$0.55+25.45%Beat+86.5%
    Sep 19
    		$0.59$0.52+13.46%Beat-4.8%
    Jun 19
    		$0.75$0.47+59.57%Beat+97.4%
    Mar 19
    		$0.46$0.46+0.00%Beat+9.5%
    Dec 18
    		$0.37$0.48-22.92%Miss-19.6%
    Sep 18
    		$0.62$0.50+24.00%Beat+106.7%
    Jun 18
    		$0.38$0.47-19.15%Miss+72.7%
    Mar 18
    		$0.42$0.41+2.44%Beat+7.7%
    Dec 17
    		$0.46$0.39+17.95%Beat-14.8%
    Sep 17
    		$0.30$0.45-33.33%Miss+25.0%
    Jun 17
    		$0.22$0.41-46.34%Miss-
    Mar 17
    		$0.39$0.38+2.63%Beat-
    Dec 16
    		$0.54$0.41+31.71%Beat-
    Sep 16
    		$0.24$0.47-48.94%Miss-

    Dividends

    Dividend Metrics

    Yield1.87%
    Annual/Share$1.31
    Payout Ratio19.37%
    Frequency4
    Pay MonthsFeb, May, Aug, Dec

    Growth

    3Y CAGR+13.66%
    5Y CAGR+11.94%
    View FBIZ's full dividend history

    Key Metrics

    Valuation
    P/E Ratio10.88EV/EBITDAN/A
    Price/FCF7.09xFCF Yield14.11%
    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
    Beta0.65Avg Volume56.38K
    52-Week High$73.1352-Week Low$45.05

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$69.81
    SMA 20$70.49
    SMA 50$67.04
    SMA 200$58.28
    EMA 10$70.13
    EMA 20$69.71
    EMA 50$67.05
    EMA 200$59.56

    MACD

    Line: 0.84Signal: 1.12Hist: -0.28

    ADX

    ADX: 37.7+DI: 22.9-DI: 14.8

    Aroon & PSAR

    Aroon Up20.0
    Aroon Down12.0
    PSAR$67.92

    Bollinger Bands

    Upper Band$72.44
    Lower Band$68.54
    %B Position554%(Upper)
    Band Width0.34

    RSI (14-Day)

    Neutral
    54.2

    Momentum Oscillators

    Stoch %K62.3
    Stoch %D59.9
    Williams %R-52.7
    ROC (10d)-1.5%
    Momentum-1.08
    CCI (20d)-54.9
    MFI (14d)59.8

    Volatility Measures

    ATR (14d)$1.62(2.3%)
    StdDev (20d)0.98
    Hist Vol16.9%(Low)

    Volume Flow

    VWAP$69.85
    OBV658.3K
    AD Line-16.5M
    CMF (20d)-0.011

    Volume Metrics

    Avg Vol (20d)53.7K
    Vol Ratio0.8x
    VWMA (20d)$70.53

    Pivot Points

    R3$73.39
    R2$72.54
    R1$71.70
    Pivot Point$70.85
    S1$70.01
    S2$69.16
    S3$68.32

    Advanced Oscillators

    TSI17.74
    Ultimate Osc55.6
    KST48.72

    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

    Vista Investment Management Acquires New Position in First Business Financial Services, Inc. $FBIZ

    Vista Investment Management has acquired a new stake of 52,349 shares in First Business Financial Services, Inc. (NASDAQ:FBIZ), valued at approximately $3.3 million. This makes FBIZ the 25th largest position in Vista's holdings, representing about 1.0% of their total portfolio and 0.63% of First Business Financial Services. The financial services provider reported strong second-quarter earnings, beating analyst estimates, and declared a quarterly dividend of $0.34 per share.

    MarketBeat•8/23/26•
    Bullish

    De Lisle Partners LLP Makes New $6.26 Million Investment in First Business Financial Services, Inc. $FBIZ

    De Lisle Partners LLP has made a new investment of $6.26 million in First Business Financial Services, Inc. (NASDAQ:FBIZ), acquiring 98,812 shares. This new stake represents approximately 1.18% of the company, which saw institutional ownership reach 60.07%. First Business Financial Services also surpassed quarterly earnings expectations and declared a quarterly dividend.

    MarketBeat•8/23/26•
    Bullish

    First Business (NASDAQ: FBIZ) lifts Q2 EPS on wider margins

    First Business Financial Services (NASDAQ: FBIZ) reported strong second-quarter 2026 results, with net income up 37% year-over-year to $15.4 million and diluted EPS rising 36% to $1.84. The company achieved wider net interest margins of 3.78% and saw significant growth in loans and core deposits, both increasing by about 10% year-over-year. FBIZ also completed its exit from out-of-footprint SBA 7(a) lending, anticipating a positive EPS impact in 2027.

    Stock Titan•8/20/26•
    Bullish

    First Business Financial Services Releases Investor Presentation Detailing Performance and Strategy

    First Business Financial Services, Inc. (NASDAQ: FBIZ) announced the release of an investor presentation on August 20, 2026. This presentation details the company's recent operating results, financial status, and strategic initiatives, and will be used by executives in discussions with shareholders, analysts, and other third parties. The filing was made under Regulation FD Disclosure to ensure broad public dissemination of material nonpublic information.

    Kalkine Media•8/20/26•
    Somewhat-Bullish

    First posts Q2 2026 investor presentation showing double-digit loan, deposit and TBV growth

    First Business Financial Services (FBIZ) recently released its Q2 2026 investor presentation, showcasing robust financial performance. The report highlights double-digit growth in loans and core deposits, alongside a significant 15% increase in tangible book value per share. The company also announced its exit from out-of-footprint SBA 7(a) sales, anticipating future EPS benefits and salary savings.

    TradingView•8/20/26•
    Bullish

    Frequently Asked Questions About FBIZ

    What is FBIZ's current dividend yield?
    First Business Financial Services (FBIZ) has a current dividend yield of 1.87%.
    Does FBIZ pay dividends?
    Yes, First Business Financial Services pays dividends with a current yield of 1.87%.
    What is FBIZ's P/E ratio?
    First Business Financial Services has a price-to-earnings (P/E) ratio of 10.88.
    What is FBIZ's market cap?
    First Business Financial Services (FBIZ) has a market capitalization of $592.89M with a current stock price of $69.87.

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