ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is First Business Financial Services, Inc. ?
1
High Profitability with a Net Interest Margin of 9.15%
2
Healthy long term growth as Net profit has grown by an annual rate of 20.43%
3
The company has declared Positive results for the last 4 consecutive quarters
- ROCE(HY) Highest at 1.25%
- DIVIDEND PER SHARE(HY) Highest at USD 0
4
With ROA of 0.73%, it has a attractive valuation with a 1.32 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 11.33%, its profits have risen by 21.3% ; the PEG ratio of the company is 0.5
5
Reducing Promoter Confidence
- Promoters have decreased their stake in the company by -0.87% over the previous quarter and currently hold 2.32% of the company
- Promoters decreasing their stake may signify reduced confidence in the future of the business
Real-Time Research ReportHow much should you hold?
- 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.
11.33%
1.93
28.55%
S&P 500
20.12%
1.04
19.28%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
21.30%
EBIT Growth (5y)
14.99%
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
19.14%
Pledged Shares
0
Institutional Holding
71.90%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
1.32
EV to EBIT
9.68
EV to EBITDA
9.01
EV to Capital Employed
1.29
EV to Sales
2.06
PEG Ratio
0.46
Dividend Yield
203.91%
ROCE (Latest)
13.34%
ROE (Latest)
13.49%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend5What is working for the Company
ROCE(HY)
Highest at 1.25%
DIVIDEND PER SHARE(HY)
Highest at USD 0
-6What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 45.58 MM
ROCE(HY)
Lowest at 1.25%
GROSS NPA (%)
(Q
Here's what is working for First Business Financial Services, Inc.
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)
CASA
Highest at 9.79%
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.
Non Performing Loans (%)
Highest at 1.3%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Operating Cash Flow
Lowest at USD 45.58 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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