First Business Financial Services, Inc.

$ 60.34 1.39 %

First Business Financial Services, Inc. serves as the holding company for First Business Bank, which offers a wide array of commercial banking products and services. Its core clientele includes small to medium-sized enterprises, their owners, executives, professionals, and high-net-worth individuals. The institution provides various deposit accounts, such as standard and interest-earning checking accounts, money market accounts, time deposits, and certificates of deposit, alongside credit card offerings. Its lending activities cover commercial real estate, business and industrial loans, Small Business Administration (SBA) financing, and direct finance leases. For its professional and executive clients, the company also extends consumer credit options, including home equity loans, first and second mortgages, and other personal loan products. Beyond traditional banking, the company supports businesses with specialized services like commercial financing, asset-based lending, equipment funding, accounts receivable factoring, vendor and floorplan financing, advanced treasury management solutions, and company retirement plans. Furthermore, it offers comprehensive wealth management and private banking services, encompassing trust and estate administration, financial planning, and investment portfolio management. First Business Financial Services also provides specialized services to other financial institutions, including investment portfolio administration, asset-liability management (ALM) advice, and ALM process validation. The firm, founded in 1909, is headquartered in Madison, Wisconsin.

CEO: Corey A. Chambas - https://www.firstbusiness.bank

Price objectif

$67 11.04 %

Recommandation

Buy

DCF

$ 413.01

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FBIZ vs S&P500

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Quick ratio

0.15

indicates that the company may have difficulty covering its short-term debts with its readily available assets.

P/E ratio

10.01

is considered reasonable, suggesting that the company has a valuation in line with its current profits.

EPS

6.03

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

14.12 %

reflects reasonable profitability, showing good use of equity.

ROIC

6.80 %

does not generate enough return to cover its financing costs, which indicates value destruction and may pose long-term profitability issues.

WACC

16.71

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

0.82

indicates that the company uses more equity than debt, suggesting prudent management.

Free cash flow per share

6.45

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

21.46 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

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Financials

Piotroski score
5 indicates moderate financial health
Altman score
-0.55 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
0.04 indicates liquidity risk, as the company may not have enough cash to meet its immediate obligations
Debt Ratio
0.07 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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