- ISIN
- US3193901002
- CUSIP
- 319390100
- Sector
- Financial Services
- Industry
- Banks - Regional
- 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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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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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%
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%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 5.56% | -4.10% | -1.32% | 4.21% | 2.97% | 5.01% | 12.56% | ||||||
| 2025 | 11.60% | 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% |
| 2022 | 15.46% | -1.60% | -0.42% | 5.67% | -0.22% | -9.33% | 7.25% | 0.09% | -2.91% | 18.07% | 0.98% | -4.62% | 28.18% |
| 2021 | 4.62% | 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
- R²
- 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.
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.
| FBIZ | Benchmark | Difference | |
|---|---|---|---|
| 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.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 10mo | 3y 6mo | 7y 5moOct 2005 - Mar 2013 |
COVID crash2020 | -50.21%Mar 2020 | 1mo 24d | 11mo 17d | 1y 1moJan 2020 - Mar 2021 |
2023 bear market2023 | -35.27%May 2023 | 5mo 19d | 7mo 8d | 1y 22dNov 2022 - Dec 2023 |
Rate-hike selloffLate 2018 | -30.06%Dec 2018 | 1y 8mo | 11mo 28d | 2y 7moApr 2017 - Dec 2019 |
2016 bear market2016 | -29.14%Oct 2016 | 11mo 3d | 5mo 22d | 1y 4moDec 2015 - Apr 2017 |
Drawdown Indicators
| FBIZ | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest 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 DrawdownCurrent decline from peak | -0.36% | -1.80% | +1.44% |
Average DrawdownAverage peak-to-trough decline | -21.30% | -10.71% | -10.59% |
Ulcer IndexDepth 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.
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 | |
|---|---|
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Total Revenue | — |
Cost Of Revenue | — |
Gross Profit | — |
Operating Expenses | — |
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Income | — |
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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 | — |
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