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First Business Financial Services

Financial Services US FBIZ

55.79USD
-1.63(2.84%)

Last update at 2026-06-03T20:00:00Z

Day Range

55.5957.25
LowHigh

52 Week Range

45.0960.50
LowHigh

Fundamentals

  • Previous Close 57.42
  • Market Cap478.04M
  • Volume47227
  • P/E Ratio9.65
  • Dividend Yield1.97%
  • Revenue TTM159.97M
  • Revenue Per Share TTM19.61
  • Gross Profit TTM 159.97M
  • Diluted EPS TTM5.94

Source: TradingView
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Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 60.45M 51.15M 22.65M 52.24M 47.03M
Minority interest - - - - -
Net income 50.32M 44.24M 17.32M 40.86M 35.76M
Selling general administrative 72.89M 68.78M 33.62M 58.78M 60.20M
Selling and marketing expenses 3.84M 3.52M 1.41M 2.35M 2.02M
Gross profit 159.97M 144.63M 89.23M 127.85M 112.76M
Reconciled depreciation 3.77M 3.74M 3.82M 4.07M 3.55M
Ebit - 51.15M 22.65M 75.19M 47.03M
Ebitda 60.45M 54.89M 22.65M 79.26M 50.58M
Depreciation and amortization - 3.74M 0.17M 4.07M 3.55M
Non operating income net other - - - - -
Operating income 60.45M 51.15M 22.65M 75.19M 47.03M
Other operating expenses 218.79M 211.23M 35.03M 64.98M -65.73200M
Interest expense 110.62M 108.92M 34.77M 22.95M 11.33M
Tax provision 10.13M 6.91M 9.81M 11.39M 11.28M
Interest income 247.31M 233.13M 178.49M 121.37M 96.00M
Net interest income 136.69M 124.21M 110.50M 98.42M 84.66M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 10.13M 6.91M 5.33M 11.39M 11.28M
Total revenue 279.25M 262.38M 89.23M 127.85M 112.76M
Total operating expenses 99.52M 93.48M 35.03M 64.98M -65.73200M
Cost of revenue 119.28M 117.75M -8.18200M - -
Total other income expense net - -109.68600M 47.14M -22.94900M -11.33300M
Discontinued operations - - - - -
Net income from continuing ops 50.32M 44.24M 37.41M 40.86M 35.76M
Net income applicable to common shares - - - 40.17M 35.76M
Preferred stock and other adjustments - - - 0.68M -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 4081.89M 3853.22M 3507.85M 2976.61M 2652.91M
Intangible assets 1.30M 1.21M 1.32M 1.46M 1.57M
Earning assets - - - - -
Other current assets -3337.36400M 4.22M - 2194.66M 2090.64M
Total liab 3710.30M 3524.63M 3218.26M 2715.97M 2420.48M
Total stockholder equity 371.58M 328.59M 289.59M 260.64M 232.42M
Deferred long term liab - - - - -
Other current liab 1284.54M 3107.14M - -19.36300M -15.34400M
Common stock 0.10M 0.10M - 0.09M 0.09M
Capital stock 12.09M 12.09M 12.09M 12.09M 0.09M
Retained earnings 305.54M 265.78M 230.73M 203.51M 170.02M
Other liab - - - 15.31M 14.34M
Good will 10.69M 10.71M 10.70M 10.70M 10.70M
Other assets - 595.33M - 2362.22M 2090.64M
Cash 30.77M 157.70M 139.51M 102.68M 57.11M
Cash and equivalents - - - - -
Total current liabilities 126.86M 3107.14M - 19.36M 15.34M
Current deferred revenue - - - - -
Net debt 228.64M 170.27M 191.41M 364.30M 361.82M
Short term debt 126.86M 117.90M - - -
Short long term debt 0.00000M 0.00000M 0.00000M - -
Short long term debt total 259.41M 327.98M - 466.98M 418.93M
Other stockholder equity 63.70M 62.15M - 60.36M 63.77M
Property plant equipment - - - 4.34M 6.60M
Total current assets 39.48M 516.19M - 336.26M 317.94M
Long term investments 495.66M 407.20M 356.23M 2714.71M 225.45M
Net tangible assets - - - 236.49M 220.15M
Short term investments 8.71M 341.39M 297.01M 212.02M 205.70M
Net receivables 3337.36M 12.88M 13.28M 75.26M 55.13M
Long term debt 252.05M 320.05M 330.92M 61.42M 413.53M
Inventory - - - 0.10M 0.16M
Accounts payable - - - 19.36M 15.34M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -9.74000M -11.42500M - -15.31000M -1.45700M
Additional paid in capital - - - - -
Common stock total equity - - - 0.09M 0.09M
Preferred stock total equity - - - 11.99M -
Retained earnings total equity - - - 203.51M 170.02M
Treasury stock - - - -27.15500M -22.03100M
Accumulated amortization - - - - -
Non currrent assets other 191.47M 79.17M - 29.29M -244.32000M
Deferred long term asset charges - - - - -
Non current assets total 4042.40M 3337.02M - 278.14M 244.32M
Capital lease obligations 7.36M 7.93M 8.95M 10.18M 5.41M
Long term debt total - - - 61.42M 38.36M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -83.15900M -328.47200M -523.63200M -233.25900M -107.75800M
Change to liabilities - - - 5.03M 3.00M
Total cashflows from investing activities -373.38200M -328.47200M - -245.26700M -111.01200M
Net borrowings -67.99800M -10.86700M - 43.28M -15.70200M
Total cash from financing activities 193.47M 289.17M -0.43800M 252.19M 75.22M
Change to operating activities - - - 2.80M 1.59M
Net income 50.32M 44.24M 54.45M 40.86M 35.76M
Change in cash -118.21700M 18.19M 54.02M 45.57M 0.20M
Begin period cash flow 157.70M 139.51M 102.68M 57.11M 56.91M
End period cash flow 39.48M 157.70M 54.02M 102.68M 57.11M
Total cash from operating activities 61.70M 57.49M 54.45M 38.65M 35.99M
Issuance of capital stock - 0.00000M 0.00000M 11.99M 0.00000M
Depreciation 3.77M 3.74M 3.82M 4.07M 3.55M
Other cashflows from investing activities -373.38200M -266.79000M - -8.78500M -2.86300M
Dividends paid 10.56M 9.20M 0.44M 7.37M 6.17M
Change to inventory - - - - -
Change to account receivables 20.80M 6.22M -16.54900M -7.72800M -6.60700M
Sale purchase of stock -1.39000M -1.27000M -5.57800M -6.12600M -5.47800M
Other cashflows from financing activities 273.27M 310.50M 0.44M 2618.52M 893.18M
Change to netincome - - - -3.05500M 2.06M
Capital expenditures 0.59M 0.22M 3.95M 3.22M 0.39M
Change receivables - - - -7.72800M -6.60700M
Cash flows other operating - - - -0.52200M -1.77800M
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - 45.57M 0.20M
Change in working capital -3.14800M 1.70M -7.94500M -4.92900M -5.01900M
Stock based compensation 2.80M 2.79M 3.03M 2.58M 2.51M
Other non cash items 14.53M 8.53M -54.45300M -3.15900M -2.03400M
Free cash flow 61.10M 57.27M 54.45M 35.42M 35.60M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
FBIZ
First Business Financial Services
-1.63 2.84% 55.79 9.65 8.96 2.99 1.33 4.45
HDB
HDFC Bank Limited ADR
0.01 0.04% 23.55 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd
-0.425 1.38% 30.39 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd
- -% 51.34 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H
- -% 5.92 6.10 5.67 0.44 0.77 3.43

Reports Covered

Stock Research & News

Profile

First Business Financial Services, Inc. operates as the bank holding company for First Business Bank that provides commercial banking products and services for small and medium-sized businesses, business owners, executives, professionals, and high net worth individuals in Wisconsin, Kansas, and Missouri. The company offers commercial real estate lending, commercial and industrial lending, asset-based lending, accounts receivable financing, equipment financing, floorplan financing, vendor financing, small business administration lending and servicing, treasury management solutions, and company retirement services. It also provides private wealth management for individuals, including creating and executing asset allocation strategies, trust and estate administration, financial planning, investment management, and access to brokerage and custody-only services, as well as private banking to private wealth clients. In addition, the company offers bank consulting services consisting of balance sheet, investment portfolio, and asset liability management services. Further, it provides commercial deposit accounts. The company was founded in 1909 and is headquartered in Madison, Wisconsin.

First Business Financial Services

401 Charmany Drive, Madison, WI, United States, 53719

Key Executives

Name Title Year Born
Mr. Corey A. Chambas Pres, CEO & Director 1963
Mr. Edward G. Sloane Jr. Chief Financial Officer 1961
Mr. David R. Seiler Chief Operating Officer 1965
Mr. Mark J. Meloy CEO & Director of First Bus. Bank 1962
Mr. Brian D. Spielmann Deputy CFO & Chief Accounting Officer 1984
Mr. Daniel S. Ovokaitys Chief Information Officer 1974
Ms. Barbara McCarty Conley J.D. Gen. Counsel 1953
Ms. Theresa M. Wiese Managing Director of Compliance & Risk Management NA
Ms. Jodie Johnson Sr. Director of Marketing & Communications NA
Ms. Jodi A. Chandler Chief HR Officer 1965

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