FBIZ · First Business Financial Services, Inc.
$68.69
-0.12 (-0.17%)
At close · Aug 21
Market Cap
$581.01M
Shares
8.37M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$68.69
Open$69.10
Day$67.84–69.43
52W close$47.68–72.20
Avg vol 30d64K
Short int185K · 2.2% float · 2.3d
Short vol51%
Last earningsJul 31, 2026
DataJan 2020–Aug 2026
Filing10-Q · Jul 31
Up next
Next earnings call
Nov 3, 2026
Est · unconfirmed
· in 10 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Jul 31, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Strong Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Excellent
Quant / Vol
Very Low
Market backdrop
VIX 15.1 · calm
Equity put/call 0.58
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+18%
above
Price vs 50-day avg
+4%
above
RSI (14)
50
neutral
MACD trend
Negative
52-week position
86%
near high
Momentum
relative strength
1-month return
+2%
trailing
6-month return
+25%
trailing
YTD return
+27%
this year
Relative strength
+14%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $66 › 200d $58 — 50d above 200d
Institutional flow
Distributing
-2% holders QoQ · +12 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
2.21% of float · ▲ +19.8% MoM · 2.3 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
141 holders — near 3-yr high, broad support
Squeeze score
62
elevated · 0–100
Fundamentals
Revenue growth
+50%
Y/Y
EPS growth
+14%
Y/Y
Free cash flow
$61.1M
Valuation
P/E 10.6
below peers
Buyback
$5.0M
authorized
Balance sheet
$16.8M
net cash
Quant / Vol
risk profile
Volatility
25%
annualized · 1-yr
Max drawdown
−14%
past year
ATR
2.4%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the 8-K filed Jul 30, 2026
full year 2026
Effective tax rate
Initiated
13% – 15%
remaining quarters
Effective quarterly tax rate
15% – 17%
Prior guidance
period ended
· from the 8-K filed Oct 30, 2025
Effective tax rate
· 2025
16% – 18%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+18%
Bullish
Price vs 50-day avg
+4%
Bullish
RSI (14)
50
Neutral
MACD trend
Negative
Bearish
52-week position
86%
Bullish
Market signals — smart money & positioning
Bearish · 2 of 6
Trend (MA cross)
No cross
50d $66 › 200d $58 — 50d above 200d
Institutional flow
Distributing
-2% holders QoQ · +12 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
2.21% of float · ▲ +19.8% MoM · 2.3 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
141 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $48
Now $69 · 86%
Range high $72
vs 200-day avg +18%
vs 50-day avg +4%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Adjusted non-interest income non-GAAP | $17.35M | Six Months Ended June 30, 2026 | — |
|
|
|||
| Allowance for credit losses as a percent of total gross loans and leases | 1.1% | As of June 30, 2026 | — |
| Allowance for credit losses, including unfunded commitment reserves | $39.52M | As of June 30, 2026 | — |
| Average core deposits | $2.85B | Six Months Ended June 30, 2026 | — |
|
|
|||
| Average full-time equivalents (FTEs) | 360 | Three Months Ended June 30, 2026 | — |
| Average loans and leases receivable | $3.49B | Six Months Ended June 30, 2026 | — |
|
|
|||
| Average rate earned on average loans and leases receivable | 6.76% | Q2 FY2026 | — |
| Core deposits | $2.88B | Q2 2026 | — |
| Efficiency ratio non-GAAP | 59.31% | Six Months Ended June 30, 2026 | — |
|
|
|||
| Fee income ratio (non-interest income / total revenue) | 19.06% | Six Months Ended June 30, 2026 | — |
|
|
|||
| Loans | $3.59B | Q2 2026 | — |
| NCOs/Avg Loans | 0.18% | 1H'26 | — |
| Net interest margin | 3.67% | Six Months Ended June 30, 2026 | — |
|
|
|||
| Non-performing assets | $38.06M | As of June 30, 2026 | — |
|
|
|||
| Non-performing assets as a percent of total assets | 0.86% | As of June 30, 2026 | — |
|
|
|||
| NPAs | $38.1M | Q2'26 | — |
| NPAs/Total Assets | 0.86% | Q2'26 | — |
| Operating expense non-GAAP | $53.97M | Six Months Ended June 30, 2026 | — |
|
|
|||
| Operating Leverage non-GAAP | 6.4% | 1H'26 | — |
| Operating revenue non-GAAP | $91M | Six Months Ended June 30, 2026 | — |
|
|
|||
| Period-end core deposits | $2.88B | As of June 30, 2026 | — |
| Period-end loans and leases receivable | $3.59B | As of June 30, 2026 | — |
| Pre-tax, pre-provision adjusted earnings non-GAAP | $37.03M | Six Months Ended June 30, 2026 | — |
|
|
|||
| Pre-tax, pre-provision earnings non-GAAP | $19.8M | Q2'26 | — |
| Private wealth assets under management and administration | $4.24B | As of June 30, 2026 | — |
| Quarterly cash dividend per share | $0.34 | Q2 FY2026 | — |
|
|
|||
| Readily accessible liquidity | $1.5B | As of June 30, 2026 | — |
| Return on average assets | 1.28% | Six Months Ended June 30, 2026 | — |
|
|
|||
| Return on average tangible common equity | 15.25% | Six Months Ended June 30, 2026 | — |
|
|
|||
| Tangible book value per share non-GAAP | $44.38 | As of June 30, 2026 | — |
|
|
|||
| Tangible common equity non-GAAP | $371.38M | As of June 30, 2026 | — |
| Tangible common equity to tangible assets non-GAAP | 8.44% | As of June 30, 2026 | — |
| Total liquidity | $2.42B | As of June 30, 2026 | — |
| Total trust assets | $4.23B | As of June 30, 2026 | — |
| Total uninsured, net of collateralized deposits | $1.15B | As of June 30, 2026 | — |
| Trust assets under administration | $287.23M | As of June 30, 2026 | — |
| Trust assets under management | $3.95B | As of June 30, 2026 | — |
| Core deposit funding mix | 74.7% | Q4 FY2025 | — |
| Core deposits growth (from linked quarter) | $80.9M | Q4 FY2025 | — |
| Core deposits growth (year-over-year) | $276.6M | Q4 FY2025 | — |
| Efficiency ratio (full year) non-GAAP | 58.78% | FY2025 | — |
| Loan growth (from linked quarter) | $38.6M | Q4 FY2025 | — |
| Loan growth (year-over-year) | $261.4M | Q4 FY2025 | — |
| Net interest margin excluding non-accrual interest reversals non-GAAP | 3.63% | Q4 FY2025 | — |
| Pre-tax, pre-provision adjusted earnings (full year) non-GAAP | $69.41M | FY2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
FBIZ
this stock
First Business Financial Services, Inc.
|
$581.01M | +26.5% | +50.4% | 10.6 | 2.2% |
|
MFG
Mizuho Financial Group Inc
|
$124.83B | +40.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$121.52B | -35.4% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | +0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +19.4% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| FBIZ | -3.9% | +2.3% | +25.1% | -2.2% | +26.5% |
| SPY | -1.4% | +3.6% | +11.6% | +2.5% | +12.3% |
| vs SPY | -2.5% | -1.4% | +13.5% | -4.7% | +14.2% |
Capital returns
Latest dividend
$0.34
/ share · ex Aug 12, 2026
Paid (TTM)
$1.31
/ share · 4 payouts
Dividend yield (TTM, derived)
1.91%
Buyback program
· as of Apr 26, 2024
Authorized
$5.00M
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
1521951
CUSIP
319390100
13F (30d)
125 filings
125 filers
Visit website
Investor relations