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FBIZ

STRONG BUYFLAG

First Business Financial Services, Inc. · Financial Services · United States · $562M · Avg Vol: $4M/d

82
StockRank
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Q
61
V
47
M
69
P/E (TTM)
10.8x
ROE
14.3%
D/E
0.7x
Dividend %
1.8%
Dir. Trades · 180d
None →
Buybacks · 180d
$1.6M →
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%163.1M183.5M198.2M8.4%
EPS4.754.335.205.947.7%6.076.226.736.5%
Shares8.4M8.3M8.3M8.3M-0.4%8.4M———
Debt467.0M339.9M328.0M259.4M-17.8%346.3M———
Equity260.6M289.6M328.6M371.6M12.5%————
Op CF38.6M52.3M57.5M61.7M16.9%53.4M———
Inv CF-245.3M-506.8M-328.5M-373.4M—————
Fin CF252.2M491.4M289.2M193.5M—————
Loading 1Y...
PRICE (1Y)+11.3%
59.3661.3963.4265.4567.48Jun 12Jul 7Jul 27
SMA 50SMA 200
Close
$67.48
RSI (14)
75.1
52W High
$69.03
From 52W High
1.0%

SCORE BREAKDOWN

Quality
61
ROIC (ROA)
1.2%*44.1
ROE
14.3%72.8
GP/Assets
4.0%N/A
Op. Margin
37.0%55.6
FCF/Assets
1.3%N/A
Piotroski
683.6
Int. Cover
—50.0
D/E Ratio
0.70xN/A
Current Ratio
bankN/A
Value
47
P/E (TTM)
10.8x65.9
EV/EBITDA
bankN/A
P/FCF
10.6xN/A
P/B
1.5x34.7
P/S
3.4x56.4
Div Yield
1.8%18.6
Momentum
69
52W High %
98%80.7
RS 6M
13%79.7
SMA 50/200
1.09x73.0
EPS Rev 4W
+0.5%84.2
EPS Rev 12W
+1.1%69.1
EPS Improve
+11%33.6
Q Growth
9%43.0

FUNDAMENTALS

Market Cap
$562M
P/E (Forward)
9.8x
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)$562M82STRONG BUY
HBCPHome Bancorp, Inc.$552M80STRONG BUY
CIVBCivista Bancshares, Inc.$594M83STRONG BUY
ACNBACNB Corporation$634M82STRONG BUY
BWFGBankwell Financial Group, Inc.$496M80STRONG BUY
CBNKCapital Bancorp, Inc.$588M78BUY
COFSChoiceOne Financial Services, Inc.$489M85STRONG BUY
GCBCGreene County Bancorp, Inc.$562M76BUY
AROWArrow Financial Corporation$611M76BUY
WTBAWest Bancorporation, Inc.$464M85STRONG BUY

Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%

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

First Business Financial Services, Inc. (FBIZ) has a MoatMap StockRank of 82/100 based on Quality (61/100), Value (47/100), and Momentum (69/100) 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$67.48
Market Cap$562M
P/E (TTM)10.83
P/E (Forward)9.76
Price/Book1.49
Return on Equity14.3%
Debt/Equity0.70x
Operating Margin37.0%
Revenue Growth8.3%
Dividend Yield1.8%
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 82/100, with a Strong Buy signal. It is a composite of Quality (61), Value (47), and Momentum (69) factor ranks across MoatMap’s 20,000+ stock universe.
Does First Business Financial Services, Inc. have an economic moat?
First Business Financial Services, Inc. (FBIZ) has a Quality factor score of 61/100. 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 82/100. 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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