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ISIN
US3193901002
CUSIP
319390100
IPO Date
Oct 7, 2005

Highlights

Market Cap
$494.44M
Enterprise Value
$357.32M
EPS (TTM)
$6.29
PE Ratio
9.61
PEG Ratio
0.92
Total Revenue (TTM)
$274.03M
Gross Profit (TTM)
$121.79M
EBITDA (TTM)
$48.95M
Year Range
$45.90 - $61.30
Target Price
$70.00
ROA (TTM)
1.19%
ROE (TTM)
13.51%

Share Price Chart


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Often compared with FBIZ:
FBIZ vs. VOO

Performance

FBIZ Performance Chart

First Business Financial Services, Inc. (FBIZ) is up 12.6% since the beginning of the year. At $60 per share, FBIZ is trading just below its 52-week high of $61. Investors who bought $1,000 worth of FBIZ shares 5 years ago would now be looking at an investment worth $2,569.


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S&P 500 Index

Returns By Period

First Business Financial Services, Inc. (FBIZ) has returned 12.56% so far this year and 31.19% over the past 12 months. Over the last ten years, FBIZ has returned 12.41% per year, falling short of the S&P 500 Index benchmark, which averaged 13.88% annually.


First Business Financial Services, Inc.

1D
0.10%
1M
5.82%
YTD
12.56%
6M
9.18%
1Y
31.19%
3Y*
30.49%
5Y*
20.77%
10Y*
12.41%

Benchmark (S&P 500 Index)

1D
-0.37%
1M
-0.01%
YTD
9.16%
6M
8.64%
1Y
25.22%
3Y*
19.78%
5Y*
11.99%
10Y*
13.88%
*Multi-year figures are annualized to reflect compound growth (CAGR)

FBIZ Monthly Returns History

Based on dividend-adjusted daily data since Oct 7, 2005, FBIZ's average daily return is +0.06%, while the average monthly return is +1.10%. At this rate, an investment would double in approximately 5.3 years.

Historically, 55% of months were positive and 45% were negative. The best month was Nov 2010 with a return of +45.4%, while the worst month was Mar 2020 at -35.4%. The longest winning streak lasted 7 consecutive months, and the longest losing streak was 6 months.

On a daily basis, FBIZ closed higher 43% of trading days. The best single day was Jun 18, 2009 with a return of +25.0%, while the worst single day was Jan 16, 2009 at -24.0%.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
20265.56%-4.10%-1.32%4.21%2.97%5.01%12.56%
202511.60%3.42%-11.27%2.10%1.92%3.88%-6.00%10.55%-2.03%-1.27%3.78%3.98%20.07%
2024-8.30%-3.34%6.29%-11.81%3.58%8.76%24.41%-0.81%0.48%-6.12%17.69%-7.64%18.44%
2023-2.05%-0.43%-13.86%-5.97%-5.86%10.16%15.26%-6.62%-4.82%2.30%14.75%14.64%12.93%
202215.46%-1.60%-0.42%5.67%-0.22%-9.33%7.25%0.09%-2.91%18.07%0.98%-4.62%28.18%
20214.62%16.22%11.40%7.00%4.28%-1.24%1.88%3.43%1.31%1.71%-1.44%1.96%62.83%

Benchmark Metrics

First Business Financial Services, Inc. has an annualized alpha of 12.54%, beta of 0.41, and R2 of 0.04 versus S&P 500 Index. Calculated based on daily prices since October 07, 2005.

  • This stock participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (51.89%) than losses (35.26%) - typical of diversified or defensive assets.
  • Beta of 0.41 may look defensive, but with R2 of 0.04 this stock is largely uncorrelated with S&P 500 Index - low beta reflects independence, not downside protection. See the Volatility section for a true picture of this stock's risk.
  • R2 of 0.04 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

Alpha
12.54%
Beta
0.41
0.04
Upside Capture
51.89%
Downside Capture
35.26%

Return for Risk

Risk / Return Rank

FBIZ ranks 75 for risk / return — better than 75% of stocks on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.


FBIZ Risk / Return Rank: 7575
Overall Rank
FBIZ Sharpe Ratio Rank: 7777
Sharpe Ratio Rank
FBIZ Sortino Ratio Rank: 7373
Sortino Ratio Rank
FBIZ Omega Ratio Rank: 7171
Omega Ratio Rank
FBIZ Calmar Ratio Rank: 7777
Calmar Ratio Rank
FBIZ Martin Ratio Rank: 7676
Martin Ratio Rank
The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

Return / Risk — by metrics

The table below present risk-adjusted performance metrics for First Business Financial Services, Inc. (FBIZ) and compare them to S&P 500 Index.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.


FBIZBenchmarkDifference
Sharpe ratioReturn per unit of total volatility

-0.82

Sortino ratioReturn per unit of downside risk

-0.93

Omega ratioGain probability vs. loss probability

1.22

1.37

-0.14

Calmar ratioReturn relative to maximum drawdown

2.14

2.78

-0.64

Martin ratioReturn relative to average drawdown

4.95

12.44

-7.49

Dividends

Dividend History

First Business Financial Services, Inc. provided a 2.09% dividend yield over the last twelve months, with an annual payout of $1.26 per share. The company has been increasing its dividends for 20 consecutive years.


2.00%2.50%3.00%3.50%$0.00$0.20$0.40$0.60$0.80$1.00$1.2020152016201720182019202020212022202320242025
Dividends
Dividend Yield
PeriodTTM20252024202320222021202020192018201720162015
Dividend$1.26$1.16$1.00$0.91$0.79$0.72$0.66$0.60$0.56$0.52$0.48$0.44

Dividend yield

2.09%2.14%2.16%2.27%2.16%2.47%3.59%2.28%2.87%2.35%2.02%1.76%

Monthly Dividends

The table displays the monthly dividend distributions for First Business Financial Services, Inc.. The dividends shown in the table have been adjusted to account for any splits that may have occurred.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
2026$0.00$0.34$0.00$0.00$0.34$0.00$0.68
2025$0.00$0.29$0.00$0.00$0.29$0.00$0.00$0.29$0.00$0.00$0.29$0.00$1.16
2024$0.00$0.25$0.00$0.00$0.25$0.00$0.00$0.25$0.00$0.00$0.25$0.00$1.00
2023$0.00$0.23$0.00$0.00$0.23$0.00$0.00$0.23$0.00$0.00$0.23$0.00$0.91
2022$0.00$0.20$0.00$0.00$0.20$0.00$0.00$0.20$0.00$0.00$0.20$0.00$0.79
2021$0.00$0.18$0.00$0.00$0.18$0.00$0.00$0.18$0.00$0.00$0.18$0.00$0.72

Dividend Yield & Payout


Dividend Yield

First Business Financial Services, Inc. has a dividend yield of 2.09%, which is quite average when compared to the overall market.

Payout Ratio

First Business Financial Services, Inc. has a payout ratio of 20.57%, which is below the market average. This means First Business Financial Services, Inc. returns a smaller proportion of its earnings to shareholders as dividends, suggesting it retains a higher portion for reinvestment, growth, or debt payment.

Drawdowns

Drawdowns Chart

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.


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Worst Drawdowns

The table below displays the maximum drawdowns of the First Business Financial Services, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the First Business Financial Services, Inc. was 72.59%, occurring on Aug 25, 2009. Recovery took 897 trading sessions.

The current First Business Financial Services, Inc. drawdown is 0.36%.


Related event

Drawdown

Fall

Recovery

Underwater

Financial crisis2007–2009
-72.59%Aug 2009
3y 10mo3y 6mo
7y 5moOct 2005 - Mar 2013
COVID crash2020
-50.21%Mar 2020
1mo 24d11mo 17d
1y 1moJan 2020 - Mar 2021
2023 bear market2023
-35.27%May 2023
5mo 19d7mo 8d
1y 22dNov 2022 - Dec 2023
Rate-hike selloffLate 2018
-30.06%Dec 2018
1y 8mo11mo 28d
2y 7moApr 2017 - Dec 2019
2016 bear market2016
-29.14%Oct 2016
11mo 3d5mo 22d
1y 4moDec 2015 - Apr 2017

Drawdown Indicators


FBIZBenchmarkDifference

Max Drawdown

Largest peak-to-trough decline

-72.59%

-56.78%

-15.81%

Max Drawdown (1Y)

Largest decline over 1 year

-14.63%

-9.10%

-5.53%

Max Drawdown (3Y)

Largest decline over 3 years

-20.78%

-18.90%

-1.88%

Max Drawdown (5Y)

Largest decline over 5 years

-35.27%

-25.43%

-9.84%

Max Drawdown (10Y)

Largest decline over 10 years

-50.21%

-33.92%

-16.29%

Current Drawdown

Current decline from peak

-0.36%

-1.80%

+1.44%

Average Drawdown

Average peak-to-trough decline

-21.30%

-10.71%

-10.59%

Ulcer Index

Depth and duration of drawdowns from previous peaks

6.32%

2.03%

+4.29%

Volatility

Volatility Chart

The chart below shows the rolling one-month volatility.


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Financials

Financial Performance

The chart below illustrates the trends in the financial health of First Business Financial Services, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.


Annual
Quarterly

0.0

Valuation

The Valuation section provides an overview of how First Business Financial Services, Inc. is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.


PE Ratio

The chart displays the Price-to-Earnings (P/E) ratio for FBIZ, comparing it with other companies in the Banks - Regional industry. Currently, FBIZ has a P/E ratio of 9.6. This P/E ratio is in line with the industry average, suggesting the stock may be fairly valued relative to its earnings.

PEG Ratio

The chart shows the Price/Earnings to Growth (PEG) ratio for FBIZ compared to other companies in the Banks - Regional industry. FBIZ currently has a PEG ratio of 0.9. This PEG ratio is close to the industry average, suggesting the stock’s valuation is balanced against its growth outlook.

PS Ratio

This chart shows the Price-to-Sales (P/S) ratio for FBIZ relative to other companies in the Banks - Regional industry. Currently, FBIZ has a P/S ratio of 1.8. This P/S ratio falls within the average range for the industry, suggesting the stock is fairly valued based on its revenue.

PB Ratio

The chart illustrates the Price-to-Book (P/B) ratio for FBIZ in comparison with other companies in the Banks - Regional industry. Currently, FBIZ has a P/B value of 1.3. This P/B ratio is in line with the industry average, suggesting the stock is valued fairly in relation to its book value.

Income Statement



TTM
Revenue

Total Revenue

Cost Of Revenue

Gross Profit

Operating Expenses

Selling, General & Admin Expenses

R&D Expenses

Depreciation And Amortization

Total Operating Expenses

Income

Income Before Tax

Operating Income

EBITDA

EBIT

Earnings From Continuing Operations

Net Income

Income Tax Expense

Other Non-Operating Income (Expenses)

Extraordinary Items

Discontinued Operations

Effect Of Accounting Charges

Non Recurring

Minority Interest

Other Items

Interest Income

Interest Expense

Net Interest Income

Values in undefined except per share items
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