ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is First Business Financial Services, Inc. ?
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
- OPERATING CASH FLOW(Y) Highest at USD 70.06 MM
- NII(Q) Highest at USD 33.78 MM
- DIVIDEND PER SHARE(HY) Highest at USD 0
4
With ROA of 0.72%, it has a very attractive valuation with a 1.31 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 21.85%, its profits have risen by 25.7% ; the PEG ratio of the company is 0.4
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to First Business Financial Services, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is First Business Financial Services, Inc. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
First Business Financial Services, Inc.
21.85%
2.27
29.59%
S&P 500
16.49%
0.83
19.88%
Quality
Management Risk
Growth
Capital StructureQuality key factors
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
ValuationValuation 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%
TechnicalsTechnical 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
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 70.06 MM
NII(Q)
Highest at USD 33.78 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 61.28 MM
-1What is not working for the Company
CREDIT DEPOSIT RATIO(HY)
Lowest at 98.36%
Here's what is working for First Business Financial Services, Inc.
NII
Highest at USD 33.78 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at USD 70.06 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Net Sales
Highest at USD 61.28 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
CASA
Highest at 9.66%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for First Business Financial Services, Inc.
Credit Deposit Ratio
Lowest at 98.36%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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