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First Business Financial Services, Inc. (FBIZ)

Financial Services | Banks - Regional | Madison, United States | NasdaqGS
69.96 USD -0.19 (-0.271%) ⇩ (Oct. 13, 2026, 4 p.m. EDT)
After hours: 69.96
Short-term:★★★⯪☆Long-term:★★★★☆Dividends:★★★⯪☆
Hot Take ↕ | Oct. 10, 2026, 7:35 a.m. EDT

The investment case here is built on a rare convergence of deep value and robust growth, though the market has largely ignored it. Fundamentally, the company is trading at a steep discount to its intrinsic worth, with a price-to-book ratio of just 1.5x and a forward P/E under 10x, yet it is delivering double-digit revenue growth and expanding earnings by over 36%. This suggests the market is pricing in stagnation where none exists. The balance sheet is fortress-like, with a payout ratio of only 19%, leaving ample room for future dividend increases without risking capital. While the statistical forecasting models show moderate confidence in a short-term price bounce, the real story is the multi-year trend of improving fundamentals. The stock appears to be a classic 'sleeping giant' where the gap between the current price and the fair value derived from its earnings power and asset base offers significant asymmetric upside potential.
Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.023815
MSTL0.048622
AutoETS0.050562
AutoARIMA0.052943

Forecast horizon: 45 days | Selected: AutoTheta

Forecast Reliability
Score 63%
H-stat 0.71
Ljung-Box p 0.000
Jarque-Bera p 0.746
Excess Kurtosis -0.28
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-08-11
Last Dividend Date 2026-08-11
Revenue per Share 20.702
Market Cap 585,447,680
Trailing P/E 10.68
Forward P/E 10.07
Beta 0.67
Profit Margins 32.76%
Website https://www.firstbusiness.bank

As of Oct. 10, 2026, 7:35 a.m. EDT: Speculator positioning is extremely thin and fragmented across distant expirations. There is negligible open interest or volume in standard call structures, while a small amount of out-of-the-money put volume exists at a strike significantly below current prices, suggesting minimal hedging demand rather than a bearish attack. Implied volatility is flat to zero across most strikes, indicating a lack of active speculation on immediate directional moves.

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.48% 2.25% 2.44% 2.47%
Dividend History
Date Dividend Yield %
2026-08-12 0.3400 0.479955
2026-05-06 0.3400 0.603051
2026-02-13 0.3400 0.582591
2025-11-19 0.2900 0.582329
2025-08-11 0.2900 0.613237
2025-05-09 0.2900 0.609500
2025-02-14 0.2900 0.549659
2024-11-07 0.2500 0.519535
2024-08-08 0.2500 0.609013
2024-05-08 0.2500 0.718597
2024-02-07 0.2500 0.748951
2023-11-03 0.2280 0.690909
2023-08-04 0.2280 0.672963
2023-05-05 0.2280 0.876249
2023-02-03 0.2280 0.627063
2022-11-04 0.1980 0.510836
2022-08-05 0.1980 0.596745
2022-05-06 0.1980 0.566524
2022-02-04 0.1980 0.590868
2021-11-05 0.1800 0.589584
2021-08-06 0.1800 0.639886
2021-05-07 0.1800 0.672394
2021-02-05 0.1800 0.819299
2020-10-30 0.1650 0.962099
2020-07-31 0.1650 1.109617
2020-05-01 0.1650 1.018518
2020-01-31 0.1650 0.655282
2019-11-01 0.1500 0.610998
2019-08-02 0.1500 0.640478
2019-05-03 0.1500 0.625261
2019-02-01 0.1500 0.728509
2018-11-02 0.1400 0.679282
2018-08-03 0.1400 0.595238
2018-05-04 0.1400 0.538669
2018-02-02 0.1400 0.584551
2017-11-03 0.1300 0.590641
2017-08-03 0.1300 0.610902
2017-05-09 0.1300 0.528670
2017-02-08 0.1300 0.534320
2016-11-08 0.1200 0.635257
2016-08-09 0.1200 0.519481
2016-05-11 0.1200 0.494845
2016-02-10 0.1200 0.569530
2015-11-09 0.1100 0.431373
2015-08-14 0.1100 0.500569
2015-05-13 0.1100 0.505399
2015-02-11 0.1100 0.488998
2014-11-10 0.1050 0.447284
2014-08-07 0.1050 0.491343
2014-05-08 0.1050 0.472335
2014-02-07 0.1050 0.527373
2013-11-13 0.0700 0.393590
2013-09-27 0.0700 0.430769
2013-06-27 0.0700 0.479452
2013-03-27 0.0700 0.522388
2012-12-27 0.0350 0.305011
2012-09-27 0.0350 0.285948
2012-06-27 0.0350 0.310009
2012-03-28 0.0350 0.368421
2011-12-28 0.0350 0.421687
2011-09-28 0.0350 0.452196
2011-06-29 0.0350 0.494001
2011-03-30 0.0350 0.589226
2010-12-29 0.0350 0.521610
2010-09-29 0.0350 0.773481
2010-06-29 0.0350 0.721649
2010-03-30 0.0350 0.725389
2009-12-29 0.0350 0.727651
2009-09-29 0.0350 0.717213
2009-06-29 0.0350 0.640439
2009-03-30 0.0350 0.666667
2008-12-29 0.0350 0.492958
2008-09-29 0.0350 0.437500
2008-06-27 0.0350 0.422195
2008-03-28 0.0350 0.400000
2007-12-27 0.0325 0.363128
2007-09-27 0.0325 0.342105
2007-06-27 0.0325 0.325000
2007-03-28 0.0325 0.295455
2006-12-27 0.0300 0.272232
2006-09-27 0.0300 0.260983
2006-06-28 0.0300 0.250000
2006-03-29 0.0300 0.252632
2005-12-28 0.0300 0.251889
Additional Data
dividendYield 1.95
exDividendDate 2026-08-12
trailingAnnualDividendRate 1.26
trailingAnnualDividendYield 0.017961511
lastDividendValue 0.34
lastDividendDate 2026-08-12
dividendDate 2026-08-26

Info Dump

Attribute Value
52 Week Change 0.4027195
Address1 401 Charmany Drive
All Time High 73.74
All Time Low 3.75
Ask 89.21
Ask Size 2
Audit Risk 5
Average Analyst Rating 1.6 - Buy
Average Daily Volume10 Day 67,420
Average Daily Volume3 Month 64,420
Average Volume 64,420
Average Volume10Days 67,420
Beta 0.665
Bid 50.09
Bid Size 2
Board Risk 1
Book Value 45.805
City Madison
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 1
Country United States
Crypto Tradeable 0
Currency USD
Current Price 69.96
Custom Price Alert Confidence HIGH
Date Short Interest 1,790,726,400
Day High 71.0
Day Low 69.17
Display Name First Business Finl Services
Dividend Date 1,787,702,400
Dividend Yield 1.95
Earnings Call Timestamp End 1,793,390,400
Earnings Call Timestamp Start 1,793,390,400
Earnings Growth 0.363
Earnings Quarterly Growth 0.364
Earnings Timestamp 1,793,304,000
Earnings Timestamp End 1,793,304,000
Earnings Timestamp Start 1,793,304,000
Ebitda Margins 0.0
Enterprise To Revenue 5.38
Enterprise Value 911,579,648
Eps Current Year 6.55
Eps Forward 6.95
Eps Trailing Twelve Months 6.55
Esg Populated 0
Ex Dividend Date 1,786,492,800
Exchange NMS
Exchange Data Delayed By 15
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 70.7866
Fifty Day Average Change -0.8265991
Fifty Day Average Change Percent -0.01167734
Fifty Two Week Change Percent 40.27195
Fifty Two Week High 73.74
Fifty Two Week High Change -3.7799988
Fifty Two Week High Change Percent -0.05126117
Fifty Two Week Low 46.9
Fifty Two Week Low Change 23.059998
Fifty Two Week Low Change Percent 0.49168438
Fifty Two Week Range 46.9 - 73.74
Financial Currency USD
First Trade Date Milliseconds 1,131,546,600,000
Five Year Avg Dividend Yield 2.3
Float Shares 7,830,404
Forward Eps 6.95
Forward P E 10.066187
Full Exchange Name NasdaqGS
Full Time Employees 355
Fullday Change -0.19000244
Fullday Change Percent -0.27085167
Fullday Price 69.96
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,790,812,800
Gross Margins 0.0
Gross Profits 169,432,992
Has Pre Post Market Data 1
Held Percent Insiders 0.048410002
Held Percent Institutions 0.74942
Implied Shares Outstanding 8,368,320
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 0
Language en-US
Last Dividend Date 1,786,492,800
Last Dividend Value 0.34
Last Fiscal Year End 1,767,139,200
Last Split Date 1,440,979,200
Last Split Factor 2:1
Long Business Summary 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.
Long Name First Business Financial Services, Inc.
Market us_market
Market Cap 585,447,680
Market State PREPRE
Max Age 86,400
Message Board Id finmb_4480660
Most Recent Quarter 1,782,777,600
Net Income To Common 53,659,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 580,342,992
Number Of Analyst Opinions 5
Open 70.61
Operating Cashflow 81,395,000
Operating Margins 0.39456
Overall Risk 1
Payout Ratio 0.1924
Peg Ratio 1.24
Phone 608 238 8008
Post Market Change 0.0
Post Market Change Percent 0.0
Post Market Price 69.96
Post Market Time 1,791,921,676
Previous Close 70.15
Price Eps Current Year 10.680916
Price Hint 2
Price To Book 1.5273441
Price To Sales Trailing12 Months 3.4553347
Profit Margins 0.32759997
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 1.6
Region US
Regular Market Change -0.190002
Regular Market Change Percent -0.270852
Regular Market Day High 71.0
Regular Market Day Low 69.17
Regular Market Day Range 69.17 - 71.0
Regular Market Open 70.61
Regular Market Previous Close 70.15
Regular Market Price 69.96
Regular Market Time 1,791,921,601
Regular Market Volume 50,018
Return On Assets 0.013200001
Return On Equity 0.15
Revenue Growth 0.165
Revenue Per Share 20.702
Sand P52 Week Change 0.17502642
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 3
Shares Outstanding 8,368,320
Shares Percent Shares Out 0.0432
Shares Short 361,409
Shares Short Previous Month Date 1,788,134,400
Shares Short Prior Month 263,366
Short Name First Business Financial Servic
Short Percent Of Float 0.0452
Short Ratio 5.95
Source Interval 15
State WI
Symbol FBIZ
Target High Price 84.0
Target Low Price 75.0
Target Mean Price 78.8
Target Median Price 80.0
Total Cash 79,085,000
Total Cash Per Share 9.451
Total Debt 393,224,992
Total Revenue 169,432,992
Tradeable 0
Trailing Annual Dividend Rate 1.26
Trailing Annual Dividend Yield 0.017961511
Trailing Eps 6.55
Trailing P E 10.680916
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 61.17355
Two Hundred Day Average Change 8.786449
Two Hundred Day Average Change Percent 0.14363152
Type Disp Equity
Volume 50,018
Website https://www.firstbusiness.bank
Zip 53,719