FIRST BUSINESS FINANCIAL SERVICES, INC. FBIZ

Latest FY: 2025 Financial Services Banks - Regional
Market Price $71.78
Market Cap $600.24M
P/E Ratio 12.08
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑9.0% YoY
$144.15M
3-Yr CAGR: 11.0%
Net Income ↑13.7% YoY
$50.32M
Net Margin: 34.9%
Free Cash Flow ↑6.7% YoY
$61.10M
FCF Yield: 10.18%
EPS (Diluted) ↑14.2% YoY
$5.94
Basic: $5.94
Return on Equity Efficiency
13.5%
ROA: 1.2%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (FBIZ)

All monetary values in millions ($M)
⚠️ YoY Data Quality Alert
  • FY 2020: Revenue YoY (+1155.6%) is identical to Gross Profit YoY (+1155.6%). Verify the underlying Revenue and Gross Profit values for FY 2020 and FY 2019.
  • FY 2021: Revenue YoY (+50.4%) is identical to Gross Profit YoY (+50.4%). Verify the underlying Revenue and Gross Profit values for FY 2021 and FY 2020.
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $67.3M $52.5M $14.9M $1.71 $0.48 2.02% $26.2M $25.6M
FY 2017 $64.1M -4.6% $48.9M $11.9M -20.1% $1.36 -20.5% $0.52 2.35% $22.4M $21.2M -17.2%
FY 2018 $72.0M +12.2% $48.1M $16.3M +36.9% $1.86 +36.8% $0.56 2.87% $25.7M $24.7M +16.8%
FY 2019 $0.0M -100.0% $0.0M $23.3M +43.1% $2.68 +44.1% $0.60 2.28% $29.0M $28.8M +16.3%
FY 2020 $0.1M +1,155.6% $0.1M $17.0M -27.2% $1.97 -26.5% $0.66 3.59% $26.6M $26.4M -8.3%
FY 2021 $0.2M +50.4% $0.2M $35.8M +110.6% $4.17 +111.7% $0.72 2.47% $36.0M $35.6M +35.0%
FY 2022 $105.4M +61,897.1% $82.4M $40.9M +14.3% $4.75 +13.9% $0.79 2.16% $38.6M $35.4M -0.5%
FY 2023 $112.6M +6.8% $30.2M $37.0M -9.4% $4.33 -8.8% $0.91 2.27% $52.3M $49.4M +39.5%
FY 2024 $132.2M +17.4% $23.3M $44.2M +19.5% $5.20 +20.1% $1.00 2.16% $57.5M $57.3M +15.9%
FY 2025 $144.2M +9.0% $33.5M $50.3M +13.7% $5.94 +14.2% $1.16 2.14% $61.7M $61.1M +6.7%
$

Valuation

Market Price $71.78
Market Cap $600.24M
Enterprise Value $560.75M
P/E Ratio 12.08
P/B Ratio 1.62
FCF Yield 10.18%
Dividend Yield 1.62%
Shares Outstanding 8,362,200
%

Profitability & Margins

Gross Margin 23.26%
Operating Margin 41.94%
Net Margin 34.91%
Return on Equity (ROE) 13.54%
Return on Assets (ROA) 1.23%
Asset Turnover 0.04x
Revenue 3-Yr CAGR 11.00%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 0.000
Debt / Assets 0.000
Cash & Equivalents $39.48M
Total Debt N/A
Book Value / Share $44.44
💧

Cash Flow Efficiency

Operating Cash Flow $61.70M
Capital Expenditures (CapEx) $595.00K
Free Cash Flow $61.10M
OCF / Revenue 42.80%
FCF / Revenue 42.39%
FCF 3-Yr CAGR 19.93%
🏷️

Per Share Metrics

EPS (Diluted) $5.94
EPS (Basic) $5.94
Dividends / Share $1.16
Book Value / Share $44.44
EPS YoY Growth 14.23%
🏛️

Balance Sheet (FY 2025)

Total Assets $4.08B
Total Liabilities $3.71B
Stockholders' Equity $371.58M
Current Assets N/A
Current Liabilities N/A