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FBIZ

Strong BuyPremium GrowerFLAG

First Business Financial Services, Inc. · Financial Services · United States · $593M · Avg Vol: $4M/d

83
StockRank
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Q
62
V
45
M
73
P/E (TTM)
11.1x
ROE
15.0%
D/E
0.7x
Dividend %
1.7%
Dir. Trades · 180d
−$47.4K →
Buybacks · 180d
$3.1M →
AI CONVICTION THESIS

First Business Financial has quality Q61 and momentum M68 with a buyback on file, but value at V49 is below the calibrated floor, so stage one fails.

COMPANY DESCRIPTION

First Business Financial Services, Inc. is a bank holding company that provides commercial banking products and services, primarily to small and medium-sized businesses, business owners, and professionals. The company's offerings include commercial lending, treasury management, private wealth management, and equipment finance. Its competitive advantage lies in its specialized focus on business clients and personalized financial solutions in its Midwest markets.

FINANCIAL SUMMARY (USD)

Year2022202320242025CAGRTTM2026E2027EFwd CAGR
Revenue127.8M143.9M153.5M168.6M9.7%169.4M185.6M198.5M8.5%
EPS4.754.335.205.947.7%6.566.536.938.0%
Shares8.4M8.3M8.3M8.3M-0.4%8.4M———
Debt467.0M339.9M328.0M259.4M-17.8%393.2M———
Equity260.6M289.6M328.6M371.6M12.5%————
Op CF38.6M52.3M57.5M61.7M16.9%81.4M———
Inv CF-245.3M-506.8M-328.5M-373.4M—————
Fin CF252.2M491.4M289.2M193.5M—————
Loading 1Y...
PRICE (1Y)+7.4%
67.2668.6570.0571.4472.83Jul 30Aug 20Sep 10
SMA 50SMA 200

Close
$72.27
RSI (14)
70.2
52W High
$73.13
From 52W High
1.0%

SCORE BREAKDOWN

Quality
62
ROIC (ROA)
1.3%*44.9
ROE
15.0%73.2
GP/Assets
4.2%N/A
Op. Margin
39.5%57.0
FCF/Assets
1.3%N/A
Piotroski
685.7
Int. Cover
—50.0
D/E Ratio
0.70xN/A
Current Ratio
bankN/A
Value
45
P/E (TTM)
11.1x61.8
EV/EBITDA
bankN/A
P/FCF
11.2xN/A
P/B
1.6x34.9
P/S
3.6x50.3
Div Yield
1.7%20.9
Momentum
73
52W High %
99%94.5
RS 6M
27%89.8
SMA 50/200
1.16x87.5
EPS Rev 4W
+0.6%46.3
EPS Rev 12W
+3.3%77.2
EPS Improve
+6%27.1
Q Growth
36%66.1

FUNDAMENTALS

Market Cap
$593M
P/E (Forward)
10.5x
Gross Margin
—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of FBIZ are excluded.

TickerCompanyMkt CapStockRankSignal
FBIZFirst Business Financial Services, Inc.(you)$593M83Strong Buy
GCBCGreene County Bancorp, Inc.$594M83Strong Buy
FMAOFarmers & Merchants Bancorp, Inc.$472M84Strong Buy
CBNKCapital Bancorp, Inc.$595M75Buy
FISIFinancial Institutions, Inc.$807M81Strong Buy
PBAMPrivate Bancorp of America, Inc.$508M89Strong Buy
FRSTPrimis Financial Corp.$397M84Strong Buy
ACNBACNB Corporation$656M76Buy
COFSChoiceOne Financial Services, Inc.$499M78Buy
PFISPeoples Financial Services Corp.$697M77Buy

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

First Business Financial Services, Inc. (FBIZ): Stock Score Summary

First Business Financial Services, Inc. (FBIZ) has a MoatMap StockRank of 83/100 based on Quality (62/100), Value (45/100), and Momentum (73/100) factor scores. The current signal is STRONG BUY. First Business Financial has quality Q61 and momentum M68 with a buyback on file, but value at V49 is below the calibrated floor, so stage one fails.

First Business Financial Services, Inc. is a bank holding company that provides commercial banking products and services, primarily to small and medium-sized businesses, business owners, and professionals. The company's offerings include commercial lending, treasury management, private wealth management, and equipment finance. Its competitive advantage lies in its specialized focus on business clients and personalized financial solutions in its Midwest markets.

Key Financial Metrics

Price$72.27
Market Cap$593M
P/E (TTM)11.10
P/E (Forward)10.52
Price/Book1.59
Return on Equity15.0%
Debt/Equity0.70x
Operating Margin39.5%
Revenue Growth16.5%
Dividend Yield1.7%
Free Cash Flow$53M

First Business Financial Services, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is First Business Financial Services, Inc.’s (FBIZ) StockRank?
MoatMap’s StockRank for First Business Financial Services, Inc. (FBIZ) is 83/100, with a Strong Buy signal. It is a composite of Quality (62), Value (45), and Momentum (73) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does First Business Financial Services, Inc. have an economic moat?
First Business Financial Services, Inc. (FBIZ) has a Quality factor score of 62/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is First Business Financial Services, Inc. a buy, hold, or sell?
MoatMap’s current signal for First Business Financial Services, Inc. (FBIZ) is Strong Buy, based on a StockRank of 83/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is First Business Financial Services, Inc. in?
First Business Financial Services, Inc. (FBIZ) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).
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