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First Business Financial Services, Inc. (FBIZ)
Financial Services · Banks - Regional · NasdaqGS
First Business Financial Services, Inc. revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $127.85M | $143.90M | $153.46M | $168.63M |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $14.91M | $11.90M | $16.30M | $23.32M | $16.98M | $35.76M | $40.86M | $37.03M | $44.24M | $50.32M |
| Net margin | — | — | — | — | — | — | 32.0% | 25.7% | 28.8% | 29.8% |
Source: First Business Financial Services, Inc. SEC filings (10-K). 16 years of history available in the interactive view.
What growth is priced into FBIZ stock?
At today's market cap of $499.64M, First Business Financial Services, Inc. is priced for free-cash-flow growth of about -4.7% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $61.10M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 18.3%/yr over the last five fiscal years, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 16 years of First Business Financial Services, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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First Business Financial Services, Inc. financial history by metric
About First Business Financial Services, Inc.
First Business Financial Services, Inc. operates as the bank holding company for First Business Bank that provides commercial banking products and services for small and medium-sized businesses, business owners, executives, professionals, and high net worth individuals in Wisconsin, Kansas, and Missouri. The company offers commercial real estate lending, commercial and industrial lending, asset-based lending, accounts receivable financing, equipment financing, floorplan financing, vendor financing, small business administration lending and servicing, treasury management solutions, and company retirement services. It also provides private wealth management for individuals, including creating and executing asset allocation strategies, trust and estate administration, financial planning, investment management, and access to brokerage and custody-only services, as well as private banking to private wealth clients. In addition, the company offers bank consulting services consisting of balance sheet, investment portfolio, and asset liability management services. Further, it provides commercial deposit accounts. The company was founded in 1909 and is headquartered in Madison, Wisconsin.
First Business Financial Services, Inc. — frequently asked questions
What is First Business Financial Services, Inc.'s revenue?
First Business Financial Services, Inc. (FBIZ) reported revenue of $168.63M for fiscal year 2025, up 9.9% from the prior year, according to its SEC filings.
Is First Business Financial Services, Inc. profitable?
Yes. FBIZ earned net income of $50.32M in fiscal 2025, a net margin of 29.8%.
What is FBIZ's P/E ratio?
First Business Financial Services, Inc. trades at a price-to-earnings ratio of about 9.9 based on the latest data in our nightly-refreshed cache.
How much debt does First Business Financial Services, Inc. have?
As of fiscal year 2025, FBIZ carried roughly $252.05M in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is First Business Financial Services, Inc.'s market cap?
First Business Financial Services, Inc. (FBIZ) has a market capitalization of about $499.64M, based on the latest data in our nightly-refreshed cache.
When does First Business Financial Services, Inc.'s fiscal year end?
FBIZ's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into FBIZ stock?
At today's market cap of $499.64M, First Business Financial Services, Inc. is priced for free-cash-flow growth of about -4.7% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $61.10M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 18.3%/yr over the last five fiscal years, computed from its SEC filings.
Where does this data come from?
All figures are computed from First Business Financial Services, Inc.'s official SEC filings (10-K and 10-Q), covering 16 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.