First Business Financial Services, Inc.
FBIZ Nasdaq· State Commercial Banks
Last close · Oct 23, 2026
$72.43
KIRA · Stoqly’s AI analyst, in plain words
- First Business Financial Services, Inc. had $169M of revenue in fiscal 2025, up 9.9% on the year before. Over five years, revenue changed +10.1% a year on average.
- First Business Financial Services, Inc. made $50.3M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 14.8% a year.
- First Business Financial Services, Inc. returned $11.1M to shareholders in fiscal 2025, 18% of free cash flow. The diluted share count rose 0.1%.
- It earned 14.4% on shareholders’ money. Running costs took 59.0% of revenue (the efficiency ratio; lower is better).
Market cap
$595M
P/E
11.0x
Revenue
$169M
Net income
$50.3M
Return on equity
14.4%
Efficiency ratio
59.0%
First Business Financial Services, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+9.9%
Yes. Sales grew 9.9% last year.
Does it make a profit?
29.8%
Yes. It keeps 29.8% of every sale as profit.
How lean are its costs?
59.0%
Average. Running costs take 59.0% of revenue.
How much does it earn on its capital?
14.4%
Good. It earns 14.4% a year on shareholders’ money.
How is the share priced?
11.0x
One share costs 11.0 times its yearly profit per share.
What First Business Financial Services, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 25, 2026
- Legal name
- FIRST BUSINESS FINANCIAL SERVICES, INC.
- CIK
- 0001521951
First Business Financial Services, Inc. · FBIZ
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $113M | $128M | $144M | $153M | $169M |
| Revenue growth | 8.4% | 13.4% | 12.6% | 6.6% | 9.9% |
| Net interest income | $84.7M | $98.4M | $113M | $124M | $137M |
| Net income | $35.8M | $40.9M | $37.0M | $44.2M | $50.3M |
| Net margin | 31.7% | 32.0% | 25.7% | 28.8% | 29.8% |
| Diluted EPS | $4.17 | $4.75 | $4.33 | $5.20 | $5.94 |
| Cash | |||||
| Cash from operations | $36.0M | $38.6M | $52.3M | $57.5M | $61.7M |
| Capital expenditure | $0.4M | $3.2M | $2.9M | $0.2M | $0.6M |
| Free cash flow | $35.6M | $35.4M | $49.4M | $57.3M | $61.1M |
| FCF margin | 31.6% | 27.7% | 34.3% | 37.3% | 36.2% |
| Dividends paid | $6.2M | $6.7M | $7.6M | $8.3M | $9.7M |
| Share buybacks | $5.5M | $6.1M | $3.0M | $1.3M | $1.4M |
| Share count change | −0.8% | −1.1% | −1.2% | 0.2% | 0.1% |
| Debt and strength | |||||
| Cash and short-term investments | $57.1M | $103M | $140M | $158M | $39.5M |
| Loans, net | $2.2B | $2.4B | $2.8B | $3.1B | $3.3B |
| Deposits | $2.0B | $2.2B | $2.8B | $3.1B | $3.4B |
| Shareholders' equity | $232M | $261M | $290M | $329M | $372M |
| Returns and quality | |||||
| Return on equity | 16.3% | 16.6% | 13.5% | 14.3% | 14.4% |
| Return on tangible equity | 16.1% | 16.1% | 13.0% | 13.6% | 13.7% |
| Efficiency ratio | 63.4% | 62.2% | 61.6% | 60.9% | 59.0% |
Insiders bought, 12 months
$0.0M
1 insider
Insiders sold, 12 months
$0.0M
1 insider
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
First Business Financial Services, Inc. · FBIZ
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $72.43 a share, the company is worth $595M: 11.0 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001521951). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.