First Business Financial Services, Inc. (FBIZ)

FBIZ Statistics

Total Valuation

FBIZ has a market cap or net worth of $381.07 million. The enterprise value is $609.12 million.

Market Cap	381.07M
Enterprise Value	609.12M

Important Dates

The next estimated earnings date is Thursday, January 23, 2025, after market close.

Earnings Date	Jan 23, 2025
Ex-Dividend Date	Nov 7, 2024

Share Statistics

FBIZ has 8.30 million shares outstanding. The number of shares has decreased by -0.08% in one year.

Current Share Class	8.30M
Shares Outstanding	8.30M
Shares Change (YoY)	-0.08%
Shares Change (QoQ)	-0.03%
Owned by Insiders (%)	6.35%
Owned by Institutions (%)	66.98%
Float	7.77M

Valuation Ratios

The trailing PE ratio is 9.90 and the forward PE ratio is 8.99.

PE Ratio	9.90
Forward PE	8.99
PS Ratio	2.67
Forward PS	2.32
PB Ratio	1.27
P/TBV Ratio	1.32
P/FCF Ratio	7.88
P/OCF Ratio	7.80
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	16.12
EV / Sales	4.34
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	12.59

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	8.32
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 13.36%.

Return on Equity (ROE)	13.36%
Return on Assets (ROA)	1.11%
Return on Capital (ROIC)	n/a
Revenue Per Employee	$408,863
Profits Per Employee	$110,190
Employee Count	343
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, FBIZ has paid $8.72 million in taxes.

Income Tax	8.72M
Effective Tax Rate	18.05%

Stock Price Statistics

The stock price has increased by +15.84% in the last 52 weeks. The beta is 0.86, so FBIZ's price volatility has been lower than the market average.

Beta (5Y)	0.86
52-Week Price Change	+15.84%
50-Day Moving Average	47.58
200-Day Moving Average	40.57
Relative Strength Index (RSI)	37.65
Average Volume (20 Days)	27,008

Short Selling Information

The latest short interest is 21,056, so 0.25% of the outstanding shares have been sold short.

Short Interest	21,056
Short Previous Month	20,507
Short % of Shares Out	0.25%
Short % of Float	0.27%
Short Ratio (days to cover)	0.74

Income Statement

In the last 12 months, FBIZ had revenue of $140.24 million and earned $37.80 million in profits. Earnings per share was $4.64.

Revenue	140.24M
Gross Profit	140.24M
Operating Income	51.04M
Pretax Income	47.47M
Net Income	37.80M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$4.64

Balance Sheet

The company has $174.51 million in cash and $402.56 million in debt, giving a net cash position of -$228.05 million or -$27.49 per share.

Cash & Cash Equivalents	174.51M
Total Debt	402.56M
Net Cash	-228.05M
Net Cash Per Share	-$27.49
Equity (Book Value)	311.98M
Book Value Per Share	36.17
Working Capital	-2.83B

Cash Flow

In the last 12 months, operating cash flow was $48.86 million and capital expenditures -$491,000, giving a free cash flow of $48.37 million.

Operating Cash Flow	48.86M
Capital Expenditures	-491,000
Free Cash Flow	48.37M
FCF Per Share	$5.83

Margins

Gross Margin	n/a
Operating Margin	36.40%
Pretax Margin	34.46%
Profit Margin	28.24%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	34.49%

Dividends & Yields

This stock pays an annual dividend of $1.00, which amounts to a dividend yield of 2.18%.

Dividend Per Share	$1.00
Dividend Yield	2.18%
Dividend Growth (YoY)	37.06%
Years of Dividend Growth	11
Payout Ratio	21.55%
Buyback Yield	0.08%
Shareholder Yield	2.26%
Earnings Yield	9.92%
FCF Yield	12.69%

Analyst Forecast

The average price target for FBIZ is $51.75, which is 12.65% higher than the current price. The consensus rating is "Strong Buy".

Price Target	$51.75
Price Target Difference	12.65%
Analyst Consensus	Strong Buy
Analyst Count	4
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Splits

The last stock split was on August 31, 2015. It was a forward split with a ratio of 2:1.

Last Split Date	Aug 31, 2015
Split Type	Forward
Split Ratio	2:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4