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FIRST BUSINESS FINANCIAL SER (FBIZ) Stock Fundamental Analysis

NASDAQ:FBIZ - Nasdaq - US3193901002 - Common Stock - Currency: USD

48.96  -0.1 (-0.2%)

After market: 48.96 0 (0%)

Fundamental Rating

5

Overall FBIZ gets a fundamental rating of 5 out of 10. We evaluated FBIZ against 402 industry peers in the Banks industry. FBIZ has a medium profitability rating, but doesn't score so well on its financial health evaluation. FBIZ is not overvalued while it is showing excellent growth. This is an interesting combination.


Dividend Valuation Growth Profitability Health

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5

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.
FBIZ Yearly Net Income VS EBIT VS OCF VS FCFFBIZ Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M

1.2 Ratios

Looking at the Return On Assets, with a value of 1.32%, FBIZ belongs to the top of the industry, outperforming 85.07% of the companies in the same industry.
FBIZ has a better Return On Equity (15.45%) than 92.04% of its industry peers.
Industry RankSector Rank
ROA 1.32%
ROE 15.45%
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
FBIZ Yearly ROA, ROE, ROICFBIZ Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

Looking at the Profit Margin, with a value of 26.76%, FBIZ is in the better half of the industry, outperforming 68.66% of the companies in the same industry.
In the last couple of years the Profit Margin of FBIZ has grown nicely.
FBIZ does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 26.76%
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
FBIZ Yearly Profit, Operating, Gross MarginsFBIZ Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

2. Health

2.1 Basic Checks

FBIZ does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for FBIZ has been reduced compared to 1 year ago.
Compared to 5 years ago, FBIZ has less shares outstanding
FBIZ has a worse debt/assets ratio than last year.
FBIZ Yearly Shares OutstandingFBIZ Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M
FBIZ Yearly Total Debt VS Total AssetsFBIZ Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.2 Solvency

FBIZ has a debt to FCF ratio of 0.96. This is a very positive value and a sign of high solvency as it would only need 0.96 years to pay back of all of its debts.
FBIZ has a Debt to FCF ratio of 0.96. This is in the better half of the industry: FBIZ outperforms 78.11% of its industry peers.
FBIZ has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of FBIZ (0.17) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 0.96
Altman-Z N/A
ROIC/WACCN/A
WACC17.72%
FBIZ Yearly LT Debt VS Equity VS FCFFBIZ Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FBIZ Yearly Current Assets VS Current LiabilitesFBIZ Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

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7

3. Growth

3.1 Past

FBIZ shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 20.00%, which is quite impressive.
Measured over the past years, FBIZ shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.26% on average per year.
The Revenue has grown by 31.84% in the past year. This is a very strong growth!
The Revenue has been growing by 10.46% on average over the past years. This is quite good.
EPS 1Y (TTM)20%
EPS 3Y7.95%
EPS 5Y14.26%
EPS Q2Q%48.7%
Revenue 1Y (TTM)31.84%
Revenue growth 3Y10.81%
Revenue growth 5Y10.46%
Sales Q2Q%12.34%

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 9.14% yearly.
The Revenue is expected to grow by 9.62% on average over the next years. This is quite good.
EPS Next Y6.31%
EPS Next 2Y9.14%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.09%
Revenue Next 2Y9.62%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
FBIZ Yearly Revenue VS EstimatesFBIZ Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M
FBIZ Yearly EPS VS EstimatesFBIZ Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6

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6

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 9.38, which indicates a very decent valuation of FBIZ.
Based on the Price/Earnings ratio, FBIZ is valued cheaper than 83.83% of the companies in the same industry.
When comparing the Price/Earnings ratio of FBIZ to the average of the S&P500 Index (29.35), we can say FBIZ is valued rather cheaply.
A Price/Forward Earnings ratio of 8.82 indicates a reasonable valuation of FBIZ.
Based on the Price/Forward Earnings ratio, FBIZ is valued cheaply inside the industry as 82.09% of the companies are valued more expensively.
FBIZ is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.10, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.38
Fwd PE 8.82
FBIZ Price Earnings VS Forward Price EarningsFBIZ Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of FBIZ indicates a rather cheap valuation: FBIZ is cheaper than 85.82% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 7.1
EV/EBITDA N/A
FBIZ Per share dataFBIZ EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.49
PEG (5Y)0.66
EPS Next 2Y9.14%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

FBIZ has a Yearly Dividend Yield of 2.36%.
Compared to an average industry Dividend Yield of 3.37, FBIZ is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.33, FBIZ has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.36%

5.2 History

On average, the dividend of FBIZ grows each year by 13.04%, which is quite nice.
FBIZ has paid a dividend for at least 10 years, which is a reliable track record.
FBIZ has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)13.04%
Div Incr Years12
Div Non Decr Years19
FBIZ Yearly Dividends per shareFBIZ Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

18.11% of the earnings are spent on dividend by FBIZ. This is a low number and sustainable payout ratio.
The dividend of FBIZ is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP18.11%
EPS Next 2Y9.14%
EPS Next 3YN/A
FBIZ Yearly Income VS Free CF VS DividendFBIZ Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
FBIZ Dividend Payout.FBIZ Dividend Payout, showing the Payout Ratio.FBIZ Dividend Payout.PayoutRetained Earnings

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FIRST BUSINESS FINANCIAL SER

NASDAQ:FBIZ (3/7/2025, 8:23:26 PM)

After market: 48.96 0 (0%)

48.96

-0.1 (-0.2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30 2025-01-30/amc
Earnings (Next)04-23 2025-04-23/amc
Inst Owners71.16%
Inst Owner Change3.16%
Ins Owners4.72%
Ins Owner Change-7.14%
Market Cap406.37M
Analysts83.64
Price Target62.63 (27.92%)
Short Float %0.6%
Short Ratio1.37
Dividend
Industry RankSector Rank
Dividend Yield 2.36%
Yearly Dividend1.11
Dividend Growth(5Y)13.04%
DP18.11%
Div Incr Years12
Div Non Decr Years19
Ex-Date02-14 2025-02-14 (0.29)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)16.85%
Min EPS beat(2)1.92%
Max EPS beat(2)31.78%
EPS beat(4)3
Avg EPS beat(4)8.88%
Min EPS beat(4)-8.69%
Max EPS beat(4)31.78%
EPS beat(8)3
Avg EPS beat(8)3.35%
EPS beat(12)7
Avg EPS beat(12)8.4%
EPS beat(16)11
Avg EPS beat(16)11.48%
Revenue beat(2)1
Avg Revenue beat(2)-0.54%
Min Revenue beat(2)-3.74%
Max Revenue beat(2)2.66%
Revenue beat(4)1
Avg Revenue beat(4)-1.63%
Min Revenue beat(4)-5.35%
Max Revenue beat(4)2.66%
Revenue beat(8)4
Avg Revenue beat(8)6.47%
Revenue beat(12)6
Avg Revenue beat(12)4.68%
Revenue beat(16)7
Avg Revenue beat(16)3.25%
PT rev (1m)10.43%
PT rev (3m)16.29%
EPS NQ rev (1m)1.27%
EPS NQ rev (3m)4.75%
EPS NY rev (1m)3.74%
EPS NY rev (3m)3.74%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.52%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.93%
Valuation
Industry RankSector Rank
PE 9.38
Fwd PE 8.82
P/S 2.14
P/FCF 7.1
P/OCF 7.07
P/B 1.24
P/tB 1.28
EV/EBITDA N/A
EPS(TTM)5.22
EY10.66%
EPS(NY)5.55
Fwd EY11.33%
FCF(TTM)6.9
FCFY14.09%
OCF(TTM)6.93
OCFY14.15%
SpS22.86
BVpS39.59
TBVpS38.15
PEG (NY)1.49
PEG (5Y)0.66
Profitability
Industry RankSector Rank
ROA 1.32%
ROE 15.45%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.76%
GM N/A
FCFM 30.18%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score8
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 0.96
Debt/EBITDA N/A
Cap/Depr 5.97%
Cap/Sales 0.12%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 112.78%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC17.72%
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)20%
EPS 3Y7.95%
EPS 5Y14.26%
EPS Q2Q%48.7%
EPS Next Y6.31%
EPS Next 2Y9.14%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)31.84%
Revenue growth 3Y10.81%
Revenue growth 5Y10.46%
Sales Q2Q%12.34%
Revenue Next Year10.09%
Revenue Next 2Y9.62%
Revenue Next 3YN/A
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 1Y15.91%
FCF growth 3Y17.17%
FCF growth 5Y14.77%
OCF growth 1Y9.94%
OCF growth 3Y16.9%
OCF growth 5Y14.68%