57.8 USD
+0.56 (+0.98%)
We assign a fundamental rating of 5 out of 10 to FBIZ. FBIZ was compared to 385 industry peers in the Banks industry. FBIZ has a medium profitability rating, but doesn't score so well on its financial health evaluation. A decent growth rate in combination with a cheap valuation! Better keep an eye on FBIZ.
1. Profitability
1.1 Basic Checks
In the past year FBIZ was profitable.
In the past year FBIZ had a positive cash flow from operations.
FBIZ had positive earnings in each of the past 5 years.
FBIZ had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a decent Return On Assets value of 1.23%, FBIZ is doing good in the industry, outperforming 78.18% of the companies in the same industry.
The Return On Equity of FBIZ (13.81%) is better than 90.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.23% | ||
| ROE | 13.81% | ||
| ROIC | N/A |
ROA(3y)1.14%
ROA(5y)1.07%
ROE(3y)13.35%
ROE(5y)12.61%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a decent Profit Margin value of 29.53%, FBIZ is doing good in the industry, outperforming 77.66% of the companies in the same industry.
FBIZ's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for FBIZ so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 29.53% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.56%
PM growth 5Y2.46%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
FBIZ does not have a ROIC to compare to the WACC, probably because it is not profitable.
FBIZ has less shares outstanding than it did 1 year ago.
FBIZ has less shares outstanding than it did 5 years ago.
FBIZ has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of FBIZ is 0.82, which is an excellent value as it means it would take FBIZ, only 0.82 years of fcf income to pay off all of its debts.
FBIZ has a better Debt to FCF ratio (0.82) than 71.95% of its industry peers.
FBIZ has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.
FBIZ's Debt to Equity ratio of 0.15 is in line compared to the rest of the industry. FBIZ outperforms 53.51% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 0.82 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.95%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 30.47% over the past year.
FBIZ shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.26% yearly.
FBIZ shows a decrease in Revenue. In the last year, the revenue decreased by -9.53%.
FBIZ shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.46% yearly.
EPS 1Y (TTM)30.47%
EPS 3Y7.95%
EPS 5Y14.26%
EPS Q2Q%37.1%
Revenue 1Y (TTM)-9.53%
Revenue growth 3Y10.81%
Revenue growth 5Y10.46%
Sales Q2Q%16.96%
3.2 Future
FBIZ is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.71% yearly.
Based on estimates for the next years, FBIZ will show a quite strong growth in Revenue. The Revenue will grow by 9.03% on average per year.
EPS Next Y13.09%
EPS Next 2Y8.11%
EPS Next 3Y8.71%
EPS Next 5YN/A
Revenue Next Year11.58%
Revenue Next 2Y9.48%
Revenue Next 3Y9.03%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 9.51, the valuation of FBIZ can be described as reasonable.
87.27% of the companies in the same industry are more expensive than FBIZ, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of FBIZ to the average of the S&P500 Index (26.56), we can say FBIZ is valued rather cheaply.
A Price/Forward Earnings ratio of 9.47 indicates a reasonable valuation of FBIZ.
Based on the Price/Forward Earnings ratio, FBIZ is valued a bit cheaper than the industry average as 71.95% of the companies are valued more expensively.
FBIZ is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.79, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.51 | ||
| Fwd PE | 9.47 |
4.2 Price Multiples
FBIZ's Price/Free Cash Flow ratio is rather cheap when compared to the industry. FBIZ is cheaper than 85.19% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.19 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
FBIZ's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.73
PEG (5Y)0.67
EPS Next 2Y8.11%
EPS Next 3Y8.71%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.02%, FBIZ has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.70, FBIZ is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 1.87, FBIZ has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.02% |
5.2 History
The dividend of FBIZ is nicely growing with an annual growth rate of 13.04%!
FBIZ has paid a dividend for at least 10 years, which is a reliable track record.
FBIZ has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)13.04%
Div Incr Years12
Div Non Decr Years19
5.3 Sustainability
FBIZ pays out 20.67% of its income as dividend. This is a sustainable payout ratio.
FBIZ's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP20.67%
EPS Next 2Y8.11%
EPS Next 3Y8.71%
NASDAQ:FBIZ (12/15/2025, 9:38:42 AM)
57.8
+0.56 (+0.98%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners71%
Inst Owner Change1.22%
Ins Owners3.3%
Ins Owner Change1.42%
Market Cap480.90M
Revenue(TTM)167.55M
Net Income(TTM)49.47M
Analysts83.64
Price Target61.2 (5.88%)
Short Float %1.16%
Short Ratio3.14
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.02% |
Yearly Dividend1.11
Dividend Growth(5Y)13.04%
DP20.67%
Div Incr Years12
Div Non Decr Years19
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)9.88%
Min EPS beat(2)-0.47%
Max EPS beat(2)20.23%
EPS beat(4)3
Avg EPS beat(4)13.34%
Min EPS beat(4)-0.47%
Max EPS beat(4)31.78%
EPS beat(8)5
Avg EPS beat(8)7.08%
EPS beat(12)6
Avg EPS beat(12)4.2%
EPS beat(16)10
Avg EPS beat(16)8.06%
Revenue beat(2)1
Avg Revenue beat(2)0.02%
Min Revenue beat(2)-3.17%
Max Revenue beat(2)3.2%
Revenue beat(4)2
Avg Revenue beat(4)0.62%
Min Revenue beat(4)-3.17%
Max Revenue beat(4)3.2%
Revenue beat(8)2
Avg Revenue beat(8)-1.36%
Revenue beat(12)5
Avg Revenue beat(12)4.14%
Revenue beat(16)7
Avg Revenue beat(16)3.33%
PT rev (1m)1.69%
PT rev (3m)3.09%
EPS NQ rev (1m)-0.43%
EPS NQ rev (3m)-2.78%
EPS NY rev (1m)5.55%
EPS NY rev (3m)5.55%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.02%
Revenue NY rev (1m)0.75%
Revenue NY rev (3m)1.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.51 | ||
| Fwd PE | 9.47 | ||
| P/S | 2.87 | ||
| P/FCF | 7.19 | ||
| P/OCF | 7.12 | ||
| P/B | 1.34 | ||
| P/tB | 1.39 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.08
EY10.52%
EPS(NY)6.1
Fwd EY10.56%
FCF(TTM)8.04
FCFY13.92%
OCF(TTM)8.12
OCFY14.04%
SpS20.14
BVpS43.07
TBVpS41.62
PEG (NY)0.73
PEG (5Y)0.67
Graham Number76.76
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.23% | ||
| ROE | 13.81% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 29.53% | ||
| GM | N/A | ||
| FCFM | 39.94% |
ROA(3y)1.14%
ROA(5y)1.07%
ROE(3y)13.35%
ROE(5y)12.61%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.56%
PM growth 5Y2.46%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 0.82 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 15.58% | ||
| Cap/Sales | 0.36% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 135.27% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC16.95%
ROIC/WACCN/A
Cap/Depr(3y)54.8%
Cap/Depr(5y)36.58%
Cap/Sales(3y)1.56%
Cap/Sales(5y)1.05%
Profit Quality(3y)122.06%
Profit Quality(5y)125.54%
High Growth Momentum
Growth
EPS 1Y (TTM)30.47%
EPS 3Y7.95%
EPS 5Y14.26%
EPS Q2Q%37.1%
EPS Next Y13.09%
EPS Next 2Y8.11%
EPS Next 3Y8.71%
EPS Next 5YN/A
Revenue 1Y (TTM)-9.53%
Revenue growth 3Y10.81%
Revenue growth 5Y10.46%
Sales Q2Q%16.96%
Revenue Next Year11.58%
Revenue Next 2Y9.48%
Revenue Next 3Y9.03%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y58.28%
FCF growth 3Y17.17%
FCF growth 5Y14.77%
OCF growth 1Y46.08%
OCF growth 3Y16.9%
OCF growth 5Y14.68%
FIRST BUSINESS FINANCIAL SER / FBIZ FAQ
What is the ChartMill fundamental rating of FIRST BUSINESS FINANCIAL SER (FBIZ) stock?
ChartMill assigns a fundamental rating of 5 / 10 to FBIZ.
Can you provide the valuation status for FIRST BUSINESS FINANCIAL SER?
ChartMill assigns a valuation rating of 7 / 10 to FIRST BUSINESS FINANCIAL SER (FBIZ). This can be considered as Undervalued.
What is the profitability of FBIZ stock?
FIRST BUSINESS FINANCIAL SER (FBIZ) has a profitability rating of 4 / 10.
Can you provide the financial health for FBIZ stock?
The financial health rating of FIRST BUSINESS FINANCIAL SER (FBIZ) is 3 / 10.
Can you provide the dividend sustainability for FBIZ stock?
The dividend rating of FIRST BUSINESS FINANCIAL SER (FBIZ) is 5 / 10 and the dividend payout ratio is 20.67%.