FBIZ · First Business Financial Services, Inc.
$71.44
-0.39 (-0.54%)
At close · Aug 14
Market Cap
$597.83M
Shares
8.37M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$71.44
Open$72.07
Day$70.90–72.07
52W close$47.68–72.20
Avg vol 30d65K
Short int185K · 2.2% float · 2.3d
Short vol65%
Last earningsJul 31, 2026
DataJan 2020–Aug 2026
Filing10-Q · Jul 31
Up next
Next earnings call
Nov 3, 2026
Est · unconfirmed
· in 11 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
Bearish
Fundamentals
Excellent
Quant / Vol
Very Low
Market backdrop
VIX 14.3 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+24%
above
Price vs 50-day avg
+10%
above
RSI (14)
65
neutral
MACD trend
Negative
52-week position
97%
near high
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+9%
trailing
6-month return
+29%
trailing
YTD return
+32%
this year
Relative strength
+16%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $65 › 200d $58 — 50d above 200d
Institutional flow
Distributing
-3% 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
Steady
139 holders — mid 3-yr range
Squeeze score
63
elevated · 0–100
Fundamentals
Revenue growth
+50%
Y/Y
EPS growth
+14%
Y/Y
Free cash flow
$61.1M
Valuation
P/E 10.9
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
0.13% – 0.15%
the remaining quarters
Effective quarterly tax rate
0.15% – 0.17%
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
+24%
Bullish
Price vs 50-day avg
+10%
Bullish
RSI (14)
65
Neutral
MACD trend
Negative
Bearish
52-week position
97%
Bullish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bearish · 2 of 6
Trend (MA cross)
No cross
50d $65 › 200d $58 — 50d above 200d
Institutional flow
Distributing
-3% 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
Steady
139 holders — mid 3-yr range
Price context
position in its 52-week range
Range low $48
Now $71 · 97%
Range high $72
vs 200-day avg +24%
vs 50-day avg +10%
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 |
|---|---|---|---|
| Allowance for credit losses, including unfunded commitment reserves | 39.52M | Q2 2026 | — |
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| Average core deposits | 2.86B | Q2 2026 | — |
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| Average loans and leases receivable | 3.55B | Q2 2026 | — |
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| Core deposits growth (from linked quarter) | 11.7% | Q2 2026 | — |
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| Core deposits growth (year-over-year) | 13.6% | Q2 2026 | — |
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| Efficiency ratio non-GAAP | 57.57% | Q2 2026 | — |
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| Fee income ratio (non-interest income / total revenue) | 18.34% | Q2 2026 | — |
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| Loan growth (year-over-year) | 10.3% | Q2 2026 | — |
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| Net interest margin | 3.78% | Q2 2026 | — |
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| Non-performing assets | 38.06M | Q2 2026 | — |
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| Non-performing assets as a percent of total assets | 0.86% | Q2 2026 | — |
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| Period-end core deposits | 2.88B | Q2 2026 | — |
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| Period-end loans and leases receivable | 3.59B | Q2 2026 | — |
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| Return on average assets | 1.43% | Q2 2026 | — |
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| Return on average tangible common equity | 16.89% | Q2 2026 | — |
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| Tangible book value per share non-GAAP | $44.38 | Q2 2026 | — |
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| Adjusted non-interest income non-GAAP | 8.78M | Q1 2026 | — |
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| Operating expense non-GAAP | 27.08M | Q1 2026 | — |
| Operating revenue non-GAAP | 44.29M | Q1 2026 | — |
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| Pre-tax, pre-provision adjusted earnings non-GAAP | 17.21M | Q1 2026 | — |
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| Core deposit funding mix | 74.7% | Q4 FY2025 | — |
| Efficiency ratio (full year) non-GAAP | 58.78% | FY2025 | — |
| Loan growth (from linked quarter) | $38.6M | 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 | — |
| Quarterly cash dividend per share | $0.34 | Q4 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.
|
$597.83M | +31.6% | +50.4% | 10.9 | 2.2% |
|
MFG
Mizuho Financial Group Inc
|
$132.42B | +48.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$120.05B | -36.0% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$108.39B | -0.2% | — | — | 0.5% |
|
PNC
Pnc Financial Services Group, Inc.
|
$102.52B | +23.1% | +7.2% | 14.1 | 1.8% |
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 | +0.5% | +8.7% | +29.5% | +1.8% | +31.6% |
| SPY | +0.4% | +4.5% | +13.8% | +3.9% | +13.9% |
| vs SPY | +0.1% | +4.3% | +15.7% | -2.2% | +17.7% |
Capital returns
Latest dividend
$0.34
/ share · ex Aug 12, 2026
Paid (TTM)
$1.31
/ share · 4 payouts
Dividend yield (TTM, derived)
1.83%
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)
134 filings
131 filers
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