First Business Financial Services Inc. (FBIZ)

Stock Price: $20.42 USD 0.99 (5.10%)

Updated November 24, 4:00 PM EST - Market closed

Stock Price Chart

Key Info

Market Cap	173.94M
Revenue (ttm)	86.41M
Net Income (ttm)	16.66M
Shares Out	8.52M
EPS (ttm)	1.93
PE Ratio	10.58
Forward PE	9.76
Dividend	$0.66
Dividend Yield	3.23%

Stock Quote

Trading Day	November 24
Last Price	$20.42
Previous Close	$19.43
Change ($)	0.99
Change (%)	5.10%
Day's Open	19.77
Day's Range	19.55 - 20.44
Day's Volume	15,617
52-Week Range	12.86 - 27.35

More Stats

Market Cap	173.94M
Enterprise Value	622.52M
Earnings Date (est)	n/a
Ex-Dividend Date	Oct 30, 2020
Shares Outstanding	8.52M
Float	8.03M
EPS (basic)	1.93
EPS (diluted)	1.93
FCF / Share	1.56

Dividend	$0.66
Dividend Yield	3.23%
Earnings Yield	9.45%
FCF Yield	7.66%
Payout Ratio	33.40%
Shares Short	53,381
Short Ratio	3.72
Short % of Float	0.67%
Beta	1.09

PE Ratio	10.58
Forward PE	9.76
P/FCF Ratio	13.05
PS Ratio	2.01
PB Ratio	0.83
Revenue	86.41M
Operating Income	23.22M
Net Income	16.66M
Free Cash Flow	13.33M

Net Cash	-448.58M
Net Cash / Share	-52.66
Gross Margin	103.41%
Operating Margin	26.88%
Profit Margin	19.30%
FCF Margin	15.42%
ROA	0.71%
ROE	8.51%
ROIC	0.70%

Stats based on trailing-twelve-month (ttm) numbers.

Analyst Forecasts

Analyst Ratings (5)

Buy	1
Overweight	1
Hold	3
Underweight	0
Sell	0

What these ratings mean

Analyst Consensus: Overweight

Price Target

$20.10*

(-1.57% downside)

Low

18.0

Current: $20.42

High

23.0

Target: 20.10

*Average 12-month price target from 5 stock analysts.

Financial Performance

Financial numbers in millions USD.

Financial Overview

Year	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Revenue	91.19	80.02	71.10	73.50	72.27	55.00	51.51	42.34	38.27	31.65
Revenue Growth	13.97%	12.54%	-3.26%	1.71%	31.4%	6.78%	21.66%	10.62%	20.92%	-
Gross Profit	91.19	80.02	71.10	73.50	72.27	55.00	51.51	42.34	38.27	31.65
Operating Income	28.59	19.74	17.02	20.76	24.89	21.22	21.14	13.68	11.87	3.29
Net Income	23.32	16.30	11.91	14.91	16.51	14.14	13.75	8.93	8.43	0.94
Shares Outstanding	8.59	8.79	8.76	8.71	8.70	7.95	7.88	5.31	5.26	5.07
Earnings Per Share	2.68	1.86	1.36	1.71	1.90	1.75	1.74	1.65	1.62	0.19
EPS Growth	44.09%	36.76%	-20.47%	-10%	8.57%	0.57%	5.78%	1.86%	772.97%	-
Dividend Per Share	0.45	0.56	0.52	0.48	0.44	0.42	0.28	0.14	0.14	0.14
Dividend Growth	-19.64%	7.69%	8.33%	9.09%	4.76%	50%	100%	0%	0%	-
Operating Cash Flow	28.99	25.28	22.41	26.16	23.22	11.87	15.90	16.00	17.58	11.81
Capital Expenditures	-0.23	-0.97	-1.24	-0.58	-0.79	-3.19	-0.50	-0.56	-0.37	-0.13
Free Cash Flow	28.76	24.31	21.17	25.58	22.43	8.68	15.40	15.44	17.21	11.68
Cash & Equivalents	67.10	86.55	52.54	77.52	114	103	81.29	85.59	130	50.82
Total Debt	337	309	218	69.68	44.73	44.31	22.25	22.72	50.61	51.82
Net Cash / Debt	-270	-222	-165	7.84	68.83	58.93	59.04	62.87	79.49	-1.00
Assets	2,097	1,966	1,794	1,781	1,782	1,629	1,269	1,226	1,177	1,107
Liabilities	1,903	1,786	1,625	1,619	1,631	1,492	1,159	1,127	1,113	1,052
Book Value	194	181	169	162	151	138	109	99.54	64.21	55.34

Numbers in millions USD, except per-share numbers.

Company Profile

Company Details

Full Name	First Business Financial Services Inc.
Country	United States
Employees	300
CEO	Corey A. Chambas

Stock Information

Ticker Symbol	FBIZ
Stock Exchange	NASDAQ
Sector	Financial Services
Industry	Banks—Regional
Unique Identifier	NASDAQ: FBIZ

Description

First Business Financial Services 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. The company offers deposit products, such as non-interest-bearing transaction accounts, interest-bearing transaction accounts, money market accounts, time deposits, and certificates of deposit. It also provides loan products, including commercial real estate loans, commercial and industrial loans, small business administration loans, and direct financing leases, as well as consumer and other loans comprising home equity, first and second mortgage, credit card, and other personal loans for professional and executive clients. The company offers commercial lending, asset-based financing, equipment financing, accounts receivable financing, vendor financing, treasury management services, and company retirement plans. It also provides lines of credit and term loans to businesses collateralized by commercial real estate, accounts receivable, inventory, equipment, and securities. The company holds an equity investment in a Madison, Wisconsin community development project; and invests in marketable securities and tax-exempt loans. First Business Financial Services, Inc. was incorporated in 1986 and is headquartered in Madison, Wisconsin.