📊 FBIZ Key Takeaways
Is FBIZ a Good Investment? Thesis Analysis
FBIZ demonstrates strong fundamental growth with revenue up 80.9% YoY and solid profitability (20.3% net margin, 13.5% ROE). The company maintains a healthy balance sheet with conservative leverage (0.06x debt/equity) and generates robust free cash flow of $61.1M, though the low interest coverage ratio of 1.1x warrants monitoring for debt service capacity.
Why Buy FBIZ? Key Strengths
- Exceptional revenue growth of 80.9% YoY indicating strong market demand or successful expansion
- Substantial free cash flow generation of $61.1M with 24.7% FCF margin showing high-quality earnings
- Conservative capital structure with minimal debt (0.06x debt/equity) and strong equity base of $371.6M
- Solid net profitability at 20.3% margin and respectable ROE of 13.5% for a commercial bank
FBIZ Investment Risks to Consider
- Critically low interest coverage ratio of 1.1x suggests limited cushion for debt service obligations and elevated financial stress
- Modest ROA of 1.2% is below industry standards for commercial banks, indicating asset efficiency challenges
- Net income growth of only 1.8% YoY significantly lags revenue growth of 80.9%, suggesting margin compression or one-time items
- Significant insider activity with 10 Form 4 filings in 90 days warrants investigation into transaction nature and intentions
Key Metrics to Watch
- Interest coverage ratio trend - critical to verify debt sustainability
- Net income growth acceleration relative to revenue expansion
- Asset efficiency (ROA) improvement trajectory
- Operating margin maintenance amid rapid revenue scaling
FBIZ Financial Metrics
💡 AI Analyst Insight
The 24.7% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
FBIZ Profitability Ratios
FBIZ vs Finance Sector
How FIRST BUSINESS FINANCIAL SERVICES, INC. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is FBIZ Overvalued or Undervalued?
Based on fundamental analysis, FIRST BUSINESS FINANCIAL SERVICES, INC. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
FBIZ Balance Sheet & Liquidity
FBIZ 5-Year Financial Trend & Growth Analysis
5-Year Trend Summary: FIRST BUSINESS FINANCIAL SERVICES, INC.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $4.33 reflects profitable operations.
FBIZ Growth Metrics (YoY)
FBIZ Capital Allocation
FBIZ SEC 10-K & 10-Q Filing Analysis
Access official SEC EDGAR filings for FIRST BUSINESS FINANCIAL SERVICES, INC. (CIK: 0001521951)
📋 Recent SEC Filings
❓ Frequently Asked Questions about FBIZ
What is the AI rating for FBIZ?
FIRST BUSINESS FINANCIAL SERVICES, INC. (FBIZ) has an AI rating of BUY with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are FBIZ's key strengths?
Claude: Exceptional revenue growth of 80.9% YoY indicating strong market demand or successful expansion. Substantial free cash flow generation of $61.1M with 24.7% FCF margin showing high-quality earnings.
What are the risks of investing in FBIZ?
Claude: Critically low interest coverage ratio of 1.1x suggests limited cushion for debt service obligations and elevated financial stress. Modest ROA of 1.2% is below industry standards for commercial banks, indicating asset efficiency challenges.
What is FBIZ's revenue and growth?
FIRST BUSINESS FINANCIAL SERVICES, INC. reported revenue of $247.3M.
Does FBIZ pay dividends?
FIRST BUSINESS FINANCIAL SERVICES, INC. pays dividends, with $9.7M distributed to shareholders in the trailing twelve months.
Where can I find FBIZ SEC filings?
Official SEC filings for FIRST BUSINESS FINANCIAL SERVICES, INC. (CIK: 0001521951) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is FBIZ's EPS?
FIRST BUSINESS FINANCIAL SERVICES, INC. has a diluted EPS of $5.94.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is FBIZ a good stock to buy right now?
Based on our AI fundamental analysis in March 2026, FIRST BUSINESS FINANCIAL SERVICES, INC. has a BUY rating with 72% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is FBIZ stock overvalued or undervalued?
Valuation metrics for FBIZ: ROE of 13.5% (sector avg: 12%), net margin of 20.3% (sector avg: 25%). Higher ROE suggests strong returns relative to peers.
Should I buy FBIZ stock in 2026?
Our dual AI analysis gives FIRST BUSINESS FINANCIAL SERVICES, INC. a combined BUY rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is FBIZ's free cash flow?
FIRST BUSINESS FINANCIAL SERVICES, INC.'s operating cash flow is $61.7M, with capital expenditures of $595.0K. FCF margin is 24.7%.
How does FBIZ compare to other Finance stocks?
Vs Finance sector averages: Net margin 20.3% (avg: 25%), ROE 13.5% (avg: 12%), current ratio N/A (avg: 1.2).