First Business Financial Services, Inc.

  • Market Cap: Micro Cap
  • Industry: Regional Banks
  • ISIN: US3193901002
USD
55.98
-0.88 (-1.55%)
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

52 Week

Valuation
Technical
Day's Volume

CASH

26.89 k

Shareholding (Mar 2025)

FII

7.26%

Held by 33 FIIs

DII

63.79%

Held by 26 DIIs

Promoter

3.30%

How big is First Business Financial Services, Inc.?

22-Jun-2025

As of Jun 18, First Business Financial Services, Inc. has a market capitalization of 428.67 million and reported total assets of 3,857.37 million, with shareholder's funds at 328.59 million.

As of Jun 18, First Business Financial Services, Inc. has a market capitalization of 428.67 million, categorizing it as a Micro Cap company.<BR><BR>As of Jun 18, the company reported a sum of interest earned for the latest four quarters amounting to 236.88 million and a net profit of 45.51 million.<BR><BR>As of Dec 24, the reporting period shows shareholder's funds at 328.59 million and total assets at 3,857.37 million.

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What does First Business Financial Services, Inc. do?

22-Jun-2025

First Business Financial Services, Inc. is a bank holding company that specializes in commercial banking for small- and medium-sized businesses, with a recent net profit of $11 million and a market cap of $428.67 million. For more information, visit their website at https://www.firstbusiness.com/.

Overview:<BR>First Business Financial Services, Inc. is a bank holding company operating in the regional banks industry, focusing on commercial banking for small- and medium-sized businesses.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 60 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 11 Million (Quarterly Results - Mar 2025) <BR>Market cap: USD 428.67 Million (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 10.00 <BR>Dividend Yield: 209.50% <BR>Debt Equity: 0.00 <BR>Return on Equity: 13.54% <BR>Price to Book: 1.28<BR><BR>Contact Details:<BR>Address: 401 Charmany Dr, MADISON WI: 53719-1272 <BR>Tel: 1 608 2388008 <BR>Fax: 1 608 2325920 <BR>Website: https://www.firstbusiness.com/

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Should I buy, sell or hold First Business Financial Services, Inc.?

22-Jun-2025

Who are in the management team of First Business Financial Services, Inc.?

22-Jun-2025

As of March 2022, the management team of First Business Financial Services, Inc. includes Mr. Gerald Kilcoyne (Independent Chairman), Mr. Corey Chambas (President and CEO), and several independent directors: Ms. Carol Sanders, Ms. Laurie Benson, Mr. Mark Bugher, Ms. Carla Chavarria, and Ms. Jan Eddy. They oversee the company's strategic direction and operations.

As of March 2022, the management team of First Business Financial Services, Inc. includes the following individuals:<BR><BR>- Mr. Gerald Kilcoyne, Independent Chairman of the Board<BR>- Mr. Corey Chambas, President, Chief Executive Officer, Director<BR>- Ms. Carol Sanders, Lead Independent Director<BR>- Ms. Laurie Benson, Independent Director<BR>- Mr. Mark Bugher, Independent Director<BR>- Ms. Carla Chavarria, Independent Director<BR>- Ms. Jan Eddy, Independent Director<BR><BR>This team is responsible for guiding the company's strategic direction and overseeing its operations.

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Is First Business Financial Services, Inc. technically bullish or bearish?

20-Sep-2025

As of July 28, 2025, First Business Financial Services, Inc. shows a mildly bullish trend with mixed technical indicators, outperforming the S&P 500 in the short term but underperforming over the long term.

As of 28 July 2025, the technical trend for First Business Financial Services, Inc. has changed from bullish to mildly bullish. The weekly MACD is bullish, while the monthly MACD is mildly bearish, indicating mixed signals. The Bollinger Bands are bullish on both weekly and monthly time frames, and the daily moving averages are also bullish. However, the KST, Dow Theory, and OBV indicators are all mildly bearish on both weekly and monthly time frames. <BR><BR>In terms of performance, the company has outperformed the S&P 500 over the past month (7.65% vs. 2.33%) and year-to-date (13.82% vs. 12.22%), but it has underperformed over the past year (15.74% vs. 17.14%) and significantly over the past three years (51.44% vs. 70.41%). Overall, the current stance is mildly bullish, with key indicators showing a mix of bullish and bearish signals.

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Is First Business Financial Services, Inc. overvalued or undervalued?

25-Nov-2025

As of November 21, 2025, First Business Financial Services, Inc. is considered very attractive due to its undervalued status with a P/E ratio of 10, a PEG ratio of 0.37, a high dividend yield of 204.22%, and strong five-year returns of 150.00%, despite a year-to-date return of 10.28% that lags behind the S&P 500's 12.26%.

As of 21 November 2025, the valuation grade for First Business Financial Services, Inc. moved from attractive to very attractive. The company appears to be undervalued, supported by a P/E ratio of 10, a PEG ratio of 0.37, and an impressive dividend yield of 204.22%. In comparison to peers, ACNB Corp. has a P/E of 13.51, while Home Bancorp, Inc. shows a P/E of 10.68, highlighting First Business Financial Services' relative attractiveness in valuation.<BR><BR>Despite a year-to-date return of 10.28%, which lags behind the S&P 500's 12.26%, the company's five-year return of 150.00% significantly outperforms the index's 85.61%, reinforcing its potential for growth and value.

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iScoreScore
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Strong Sell
Sell
Hold
Buy
Strong Buy

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Dashboard
1

High Profitability with a Net Interest Margin of 9.42%

 
2

Healthy long term growth as Net profit has grown by an annual rate of 18.77%

 
3

The company has declared Positive results for the last 4 consecutive quarters

4

With ROA of 0.72%, it has a very attractive valuation with a 1.31 Price to Book Value

stock-summaryMojo Parameters
Mojo Parameters
Stock DNA
stock-summary
Industry

Regional Banks

stock-summary
Market cap

USD 479 Million (Micro Cap)

stock-summary
P/E

10.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

194.42%

stock-summary
Debt Equity

0.00

stock-summary
Return on Equity

13.49%

stock-summary
Price to Book

1.39

Revenue and Profits:
Net Sales:
61 Million
(Quarterly Results - Jun 2025)
Net Profit:
11 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
8.74%
0%
8.74%
6 Months
18.73%
0%
18.73%
1 Year
21.85%
0%
21.85%
2 Years
41.19%
0%
41.19%
3 Years
55.05%
0%
55.05%
4 Years
95.39%
0%
95.39%
5 Years
205.9%
0%
205.9%

First Business Financial Services, Inc. for the last several years.

Risk Adjusted Returns v/s stock-summary
stock-summaryNews & Corporate Actions
News
Announcements stock-summary
Icon
No announcement available
Corporate Actions stock-summary
Icon
No corporate action available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Sales Growth (5y)
19.84%
EBIT Growth (5y)
13.06%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
19.25%
Pledged Shares
0
Institutional Holding
71.18%
ROCE (avg)
0
ROE (avg)
0
Valuation key factors
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
1.31
EV to EBIT
8.67
EV to EBITDA
8.06
EV to Capital Employed
1.31
EV to Sales
1.84
PEG Ratio
0.37
Dividend Yield
204.22%
ROCE (Latest)
15.14%
ROE (Latest)
13.54%
Technicals key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
No Trend
Mildly Bullish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Mar 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Domestic Funds

Domestic Funds

Held in 45 Schemes (25.65%)

Foreign Institutions

Held by 33 Foreign Institutions (7.26%)

Strategic Entities with highest holding

Highest Public shareholder

stock-summaryFinancial
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stock-summaryCompany CV
About First Business Financial Services, Inc. stock-summary
stock-summary
First Business Financial Services, Inc.
Regional Banks
First Business Financial Services, Inc. (FBFS) is a bank holding company. The Company engages in the commercial banking business through its bank subsidiaries, which include First Business Bank (FBB), First Business Bank-Milwaukee (FBB-Milwaukee) and Alterra Bank (Alterra) (FBB and FBB-Milwaukee and, together with FBB, the Banks). The operations of FBFS are conducted through the Banks and certain subsidiaries of FBB. The Banks operate as business banks focusing on delivering a line of commercial banking products, including commercial loans and commercial real estate loans, and services to meet the needs of small- and medium-sized businesses, business owners, executives, professionals and high net worth individuals. Its business lines include commercial lending, asset-based financing, equipment financing, small business administration (SBA) lending, treasury management services, and trust and investment services. Its investments include short-term investments and securities.
Company Coordinates stock-summary
Company Details
401 Charmany Dr , MADISON WI : 53719-1272
Registrar Details