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Upturn AI SWOT - About
FBIZ 
First Business Financial Services (FBIZ)
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Upturn Advisory Summary
03/25/2025: FBIZ (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 8.67% | Avg. Invested days 38 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 03/25/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 395.47M USD | Price to earnings Ratio 9.07 | 1Y Target Price 60.2 |
Price to earnings Ratio 9.07 | 1Y Target Price 60.2 | ||
Volume (30-day avg) 31712 | Beta 0.88 | 52 Weeks Range 31.62 - 56.15 | Updated Date 03/31/2025 |
52 Weeks Range 31.62 - 56.15 | Updated Date 03/31/2025 | ||
Dividends yield (FY) 2.46% | Basic EPS (TTM) 5.2 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 30.59% | Operating Margin (TTM) 41.94% |
Management Effectiveness
Return on Assets (TTM) 1.2% | Return on Equity (TTM) 14.32% |
Valuation
Trailing PE 9.07 | Forward PE 8.96 | Enterprise Value 692769088 | Price to Sales(TTM) 2.73 |
Enterprise Value 692769088 | Price to Sales(TTM) 2.73 | ||
Enterprise Value to Revenue 4.79 | Enterprise Value to EBITDA - | Shares Outstanding 8301130 | Shares Floating 7834769 |
Shares Outstanding 8301130 | Shares Floating 7834769 | ||
Percent Insiders 5.02 | Percent Institutions 70.67 |
Analyst Ratings
Rating 4.4 | Target Price 55.6 | Buy 3 | Strong Buy 2 |
Buy 3 | Strong Buy 2 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
First Business Financial Services
Company Overview
History and Background
First Business Financial Services, Inc. (FBIZ) was founded in 1990. The company provides financial services to businesses, their owners and executives, and high-net-worth individuals.
Core Business Areas
- Commercial Banking: Offers commercial loans, deposit accounts, treasury management, and other financial services to businesses of various sizes.
- Private Wealth Management: Provides wealth management, investment advisory, trust and estate planning, and retirement plan services to high-net-worth individuals.
- Specialty Finance: Includes lending and leasing to specialized industries, such as healthcare, technology, and equipment.
Leadership and Structure
Corey Chambas serves as CEO. The company operates with a hierarchical structure with various departments reporting to executive leadership.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes like working capital, equipment financing, and real estate. Market share data is difficult to accurately determine given the regional nature of the bank and fragmentation of the commercial lending market. Key competitors include larger national banks and regional banks like Associated Banc-Corp (ASB) and Wintrust Financial Corporation (WTFC).
- Treasury Management: Services that help businesses manage their cash flow, including payment processing, online banking, and fraud prevention. Market share data is not readily available, and competition includes major banks like BofA (BAC) and JP Morgan Chase (JPM), along with regional players.
- Wealth Management: Investment management and financial planning services for high-net-worth individuals. Competitors include large wealth management firms like Charles Schwab (SCHW) and Fidelity.
Market Dynamics
Industry Overview
The financial services industry is currently impacted by rising interest rates, regulatory changes, and technological advancements. Regional and community banks are facing increasing competition from larger national players and fintech companies.
Positioning
First Business Financial Services positions itself as a provider of specialized financial solutions for businesses and high-net-worth individuals, emphasizing personalized service and local expertise. They aim to be a trusted partner for their clients.
Total Addressable Market (TAM)
The total addressable market for business banking and wealth management is substantial, estimated in the trillions of dollars annually. First Business Financial Services, with its regional focus, captures a small percentage of this TAM. TAM estimates are difficult to find for the precise segments FBIZ operates in.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Experienced management team
- Focus on niche markets
- Solid credit quality
Weaknesses
- Limited geographic presence
- Smaller scale compared to larger competitors
- Higher operating expense ratio
- Reliance on local economy
Opportunities
- Expansion into new markets
- Increased adoption of technology
- Growing demand for wealth management services
- Strategic acquisitions
Threats
- Rising interest rates
- Increased competition
- Regulatory changes
- Economic downturn
Competitors and Market Share
Key Competitors
- ASB
- WTFC
- CMA
- MBWM
Competitive Landscape
First Business Financial Services differentiates itself through its focus on niche markets and personalized service. However, it faces competition from larger, more established players with greater resources.
Major Acquisitions
Forsyth Street Capital
- Year: 2017
- Acquisition Price (USD millions): 16.5
- Strategic Rationale: Expansion of Equipment Financing.
Growth Trajectory and Initiatives
Historical Growth: First Business Financial Services has demonstrated steady growth over the past decade, driven by organic expansion and strategic initiatives.
Future Projections: Analyst estimates project continued revenue and earnings growth in the coming years, driven by expansion into new markets and increased demand for its services.
Recent Initiatives: Recent initiatives include investments in technology to enhance customer experience and improve efficiency, as well as expansion into new geographic markets.
Summary
First Business Financial Services shows solid performance with consistent revenue and profit growth, driven by their niche market focus and strong customer relationships. Their smaller scale compared to larger competitors limits their market reach, making them vulnerable to economic downturns and competition. Strategic initiatives and potential acquisitions could provide additional growth opportunities. Overall, the company appears healthy, but faces external economic pressures that require careful monitoring.
Similar Companies
- ASB
- WTFC
- CMA
- MBWM
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Investor Relations
- MarketWatch
- Yahoo Finance
- Analyst Reports
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered investment advice. Market share estimates are approximate and may vary. Financial data is based on publicly available information and analyst estimates, which are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About First Business Financial Services
Exchange NASDAQ | Headquaters Madison, WI, United States | ||
IPO Launch date 2005-10-07 | CEO & Director Mr. Corey A. Chambas | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 349 | Website https://www.firstbusiness.bank |
Full time employees 349 | Website https://www.firstbusiness.bank | ||
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. First Business Financial Services, Inc. was founded in 1909 and is headquartered in Madison, Wisconsin.
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