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First Business Financial Services, Inc. FBIZ | NASDAQ

$69.49 $0.71 | 1.03%

SIGNAL:

Signal available — unlock to view

|2026-09-30 |F&G 41 |RSI 44.9

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Company Overview:

Market Cap: $570.37M

Trailing PE: 10.6x

FWD PE *: 10.5x

Payout Ratio (TTM): 20.8%

52-Week Range: $46.07 - $73.74

* Forward PE is based on street estimates.

10 Year FBIZ Performance Metrics:

Total Return (with DRIP): 282.7% (14.36% CAGR)

Total Return (no DRIP): 231.4% (12.73% CAGR)

Share Price: 199.4% (11.59% CAGR)

Yield on Cost (with DRIP): 7.49%

Total Invested: $10,000

Total Value (with DRIP): $38,271

Total Return $ (with DRIP): $28,271

Dividend Increase: 161.5% (10.35% CAGR)

Dividend Yield (FWD): 1.96% ($1.36)

FBIZ 10-yr Total Return ($10K invested)

1M 3M 6M YTD 1Y 3Y 5Y 10Y

FBIZ Share Price

1M 3M 6M YTD 1Y 3Y 5Y 10Y All

FBIZ Price CAGR:1Y: 38.92%2Y: 26.43%5Y: 19.03%10Y: 11.45%

FBIZ Dividend Charts

FBIZ - Dividends

FBIZ Dividend CAGR:1Y: 17.24%2Y: 16.62%5Y: 13.56%10Y: 10.98%

FBIZ - Dividend Payout Ratio

FBIZ Dividend Payout Ratio CAGR:1Y: -11.74%2Y: -3.72%5Y: 1.49%10Y: -3.16%

FBIZ - Dividend to Free Cash Flow Ratio

FBIZ Dividend to FCF Ratio CAGR:1Y: -57.19%2Y: -36.71%5Y: -17.68%10Y: -8.77%

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FBIZ Fundamentals: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

FBIZ - Revenue

FBIZ Revenue CAGR:1Y: -31.85%2Y: -15.45%5Y: 8.60%10Y: 6.33%

FBIZ - Earnings Per Share (EPS)

FBIZ EPS CAGR:1Y: 36.30%2Y: 22.31%5Y: 14.14%10Y: 15.65%

FBIZ - Net Income

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FBIZ Net Income CAGR:1Y: 36.40%2Y: 22.07%5Y: 13.60%10Y: 15.39%

FBIZ - EBITDA

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FBIZ EBITDA CAGR:1Y: 24.05%2Y: 15.34%5Y: 8.83%10Y: 11.94%

FBIZ - Free Cash Flow

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FBIZ Free Cash Flow CAGR:1Y: 181.21%2Y: 85.71%5Y: 40.06%10Y: 22.49%

FBIZ - Free Cash Flow / Share

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FBIZ Free Cash Flow / Share CAGR:1Y: 179.22%2Y: 84.63%5Y: 40.66%10Y: 23.02%

FBIZ - Operating Income

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FBIZ Operating Income CAGR:1Y: 25.62%2Y: 16.51%5Y: 9.34%10Y: 12.13%

FBIZ - Gross Profit

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FBIZ Gross Profit CAGR:1Y: 16.45%2Y: 10.97%5Y: 9.06%10Y: 9.13%

FBIZ - Shares Outstanding

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FBIZ Shares Outstanding CAGR:1Y: 0.71%2Y: 0.58%5Y: -0.43%10Y: -0.43%

FBIZ - Share Buybacks

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FBIZ Share Buybacks CAGR:1Y: 49.83%2Y: 14.82%5Y: 6.46%10Y: 0.00%

FBIZ - Stock-Based Comp

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FBIZ Stock-Based Comp CAGR:1Y: -1.51%2Y: 20.89%5Y: 8.48%10Y: 12.99%

FBIZ - Expenses

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FBIZ Expenses CAGR:1Y: -50.30%2Y: -35.89%5Y: 28.95%10Y: -5.44%

FBIZ - Revenue vs Net Income

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FBIZ - EPS vs FCF / Share

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FBIZ - EPS vs PE Ratio

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FBIZ - FCF vs FCF / Share

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FBIZ - FCF vs Stock Based Comp

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FBIZ - Cash & Debt

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FBIZ - Revenue by Segment

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FBIZ Revenue CAGR:1Y: -31.85%2Y: -15.45%5Y: 8.60%10Y: 6.33%

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

FBIZ - REVENUE: Actual + Estimates

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FBIZ Actual Revenue CAGR:1Y: -31.85%2Y: -15.45%5Y: 8.60%10Y: 6.33%

FBIZ - EPS: Actual + Estimates

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FBIZ Actual EPS CAGR:1Y: 36.30%2Y: 22.31%5Y: 14.14%10Y: 15.65%

FBIZ - NET INCOME: Actual + Estimates

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FBIZ Actual Net Income CAGR:1Y: 36.40%2Y: 22.07%5Y: 13.60%10Y: 15.39%

FBIZ - EBITDA: Actual + Estimates

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FBIZ Actual EBITDA CAGR:1Y: 24.05%2Y: 15.34%5Y: 8.83%10Y: 11.94%

Ratios, Profit Margins & Return on Capital:

FBIZ - Net Profit Margin

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FBIZ Net Profit Margin CAGR:1Y: 26.99%2Y: 15.03%5Y: -4.49%10Y: 3.70%

FBIZ - Gross Profit Margin

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FBIZ Gross Profit Margin CAGR:1Y: 8.46%2Y: 4.56%5Y: -8.30%10Y: -1.93%

FBIZ - Price to Earnings

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FBIZ Price to Earnings CAGR:1Y: -8.51%2Y: 7.56%5Y: 3.80%10Y: -4.53%

FBIZ - Price To Sales Ratio

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FBIZ Price To Sales Ratio CAGR:1Y: 16.96%2Y: 24.68%5Y: -0.82%10Y: -1.20%

FBIZ - Return on Capital Employed

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FBIZ Return on Capital Employed CAGR:1Y: -78.98%2Y: -51.18%5Y: -23.61%10Y: -17.16%

FBIZ - Return on Invested Capital

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FBIZ Return on Invested Capital CAGR:1Y: -77.03%2Y: -48.69%5Y: -20.54%10Y: -14.70%

FBIZ Dividends Info:

Annual Dividend: $1.36

Forward Yield: 1.96%

Ex-Dividend Date: 2026-08-12

Lifetime Dividends / Share: $10.54

FBIZ Dividend History: Dates, Payments & Yield list

Below is a schedule of all FBIZ dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date	Payment Date	Amount	Yield	Forward Yield	Price on Ex-Date
08/12/2026	08/14/2026	$0.340	1.92%	1.9%	$71.44
05/06/2026	05/08/2026	$0.340	2.41%	2.4%	$56.59
02/13/2026	02/16/2026	$0.340	2.33%	2.48%	$54.92
11/19/2025	11/21/2025	$0.290	2.33%	2.25%	$51.54
08/11/2025	08/13/2025	$0.290	2.45%	2.32%	$50.03
05/09/2025	05/12/2025	$0.290	2.44%	2.43%	$47.77
02/14/2025	02/17/2025	$0.290	2.2%	2.18%	$53.14
11/07/2024	11/11/2024	$0.250	2.08%	1.97%	$50.67
08/08/2024	08/12/2024	$0.250	2.44%	2.51%	$39.92
05/08/2024	05/10/2024	$0.250	2.87%	2.87%	$34.86
02/07/2024	02/09/2024	$0.250	3%	2.85%	$35.11
11/03/2023	11/06/2023	$0.228	2.76%	2.83%	$32.20
08/04/2023	08/07/2023	$0.228	2.69%	2.65%	$34.30
05/05/2023	05/08/2023	$0.228	3.5%	3.59%	$25.38
02/03/2023	02/06/2023	$0.228	2.5%	2.5%	$36.39
11/04/2022	11/17/2022	$0.198	2.04%	2.01%	$39.25
08/05/2022	08/18/2022	$0.198	2.38%	2.18%	$36.18
05/06/2022	05/19/2022	$0.198	2.26%	2.41%	$32.82
02/04/2022	02/17/2022	$0.198	2.36%	2.36%	$33.49
11/05/2021	11/18/2021	$0.180	2.36%	2.37%	$30.43
08/06/2021	08/19/2021	$0.180	2.56%	2.59%	$27.85
05/07/2021	05/24/2021	$0.180	2.69%	2.57%	$28.00
02/05/2021	02/18/2021	$0.180	3.28%	3.35%	$21.51
10/30/2020	11/12/2020	$0.165	3.85%	3.58%	$18.43
07/31/2020	08/13/2020	$0.165	4.44%	3.53%	$18.72
05/01/2020	05/14/2020	$0.165	4.07%	4.79%	$13.79
01/31/2020	02/13/2020	$0.165	2.62%	2.56%	$25.82
11/01/2019	11/14/2019	$0.150	2.44%	2.45%	$24.46
08/02/2019	08/15/2019	$0.150	2.56%	2.56%	$23.45
05/03/2019	05/16/2019	$0.150	2.5%	2.52%	$23.82
02/01/2019	02/14/2019	$0.150	2.91%	2.76%	$21.72
11/02/2018	11/15/2018	$0.140	2.72%	2.71%	$20.70
08/03/2018	08/16/2018	$0.140	2.38%	2.51%	$22.29
05/04/2018	05/17/2018	$0.140	2.15%	2.15%	$26.00
03/29/2018	04/12/2018	$0.001	0.01%	0.01%	$25.39
02/02/2018	02/15/2018	$0.140	2.34%	2.29%	$24.46
11/03/2017	11/16/2017	$0.130	2.36%	2.32%	$22.42
08/03/2017	08/17/2017	$0.130	2.44%	2.46%	$21.12
05/09/2017	05/25/2017	$0.130	2.11%	2.24%	$23.22
02/08/2017	02/24/2017	$0.130	2.14%	2.03%	$25.64
11/08/2016	11/21/2016	$0.120	2.54%	2.18%	$22.03
08/09/2016	08/25/2016	$0.120	2.08%	2.13%	$22.53
05/11/2016	05/27/2016	$0.120	1.98%	1.94%	$24.72
02/10/2016	02/26/2016	$0.120	2.28%	2.22%	$21.62
11/09/2015	11/23/2015	$0.110	1.73%	1.71%	$25.79
08/14/2015	08/28/2015	$0.110	2%	2%	$22.05
05/13/2015	05/29/2015	$0.110	2.02%	1.97%	$22.39
02/11/2015	02/27/2015	$0.110	1.96%	1.89%	$23.25
11/10/2014	11/24/2014	$0.105	1.79%	1.91%	$21.99
08/07/2014	08/25/2014	$0.105	1.97%	1.84%	$22.88
05/08/2014	05/27/2014	$0.105	1.89%	1.91%	$22.00
02/07/2014	02/21/2014	$0.105	2.11%	1.98%	$21.21
11/13/2013	12/02/2013	$0.070	1.57%	1.47%	$19.01
09/27/2013	10/15/2013	$0.070	1.72%	1.73%	$16.15
06/27/2013	07/15/2013	$0.070	1.92%	1.76%	$15.94
03/27/2013	04/15/2013	$0.070	2.09%	2.19%	$12.79
12/27/2012	01/15/2013	$0.035	1.22%	1.19%	$11.81
09/27/2012	10/15/2012	$0.035	1.14%	1.13%	$12.36
06/27/2012	07/16/2012	$0.035	1.24%	1.22%	$11.49
03/28/2012	04/16/2012	$0.035	1.47%	1.29%	$10.88
12/28/2011	01/16/2012	$0.035	1.69%	0%	$0.00
09/28/2011	10/17/2011	$0.035	1.81%	1.87%	$7.50
06/29/2011	07/15/2011	$0.035	1.97%	1.9%	$7.38
03/30/2011	04/15/2011	$0.035	2.36%	2.35%	$5.95
12/29/2010	01/17/2011	$0.035	2.09%	0%	$0.00
09/29/2010	10/15/2010	$0.035	3.09%	3.11%	$4.50
06/29/2010	07/15/2010	$0.035	2.89%	3.13%	$4.47
03/30/2010	04/15/2010	$0.035	2.9%	2.85%	$4.91
12/29/2009	01/15/2010	$0.035	2.91%	2.76%	$5.07
09/29/2009	10/15/2009	$0.035	2.87%	2.69%	$5.21
06/29/2009	07/15/2009	$0.035	2.56%	2.86%	$4.89
03/30/2009	04/15/2009	$0.035	2.67%	2.58%	$5.42
12/29/2008	01/15/2009	$0.035	1.97%	2.15%	$6.50
09/29/2008	10/15/2008	$0.035	1.75%	1.86%	$7.53
06/27/2008	07/15/2008	$0.035	1.69%	1.83%	$7.63
03/28/2008	04/15/2008	$0.035	1.6%	1.7%	$8.25
12/27/2007	01/15/2008	$0.033	1.45%	1.64%	$7.95
09/27/2007	10/15/2007	$0.033	1.37%	1.45%	$8.96
06/27/2007	07/16/2007	$0.033	1.3%	1.3%	$10.03
03/28/2007	04/16/2007	$0.033	1.18%	1.18%	$11.00
12/27/2006	01/15/2007	$0.030	1.09%	0%	$0.00
09/27/2006	10/16/2006	$0.030	1.04%	1.08%	$11.13
06/28/2006	07/17/2006	$0.030	1%	1.02%	$11.75
03/29/2006	04/17/2006	$0.030	1.01%	1.01%	$11.88
12/28/2005	01/17/2006	$0.030	1.01%	1.01%	$11.90

Projected Future Returns & Dividends for FBIZ

Based on past 10-year performance, here are FBIZ growth metrics:

Share price CAGR of +11.45%
Dividend CAGR of +11.01%

Using FBIZ CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

	FBIZ (DRIP)	FBIZ - No DRIP
Current Price	$69.49	$69.49
Start Shares	143.91	143.91
Start Value	$10,000	$10,000

After 10 years:
Final Share Count	174.33	143.91
Dividends Payment	$0.97	$0.97
Annual Dividends	$674	$556
Yield on cost	6.74%	5.56%
Share Price	$205.48	$205.48
Total Dividends	$3,662	$3,275
Final Value	$35,823	$32,845

Estimated Future Value + Dividends - FBIZ

NOTE: Above numbers are our estimate based on FBIZ's Dividend and Price CAGR over past 10 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

First Business Financial Services, Inc. (FBIZ) had its IPO on 2005-11-09, and is traded on NASDAQ stock exchange.

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.

FBIZ website: https://www.firstbusiness.bank

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Loading signals…

DCF Model — FBIZ

Value from:

EPS (TTM)icompany profit per share over the last 12 months

EPS Growth %ihow fast profit per share grows each of the next 5 years — prefilled with what analysts expect

EPS growth after year 5 (forever)ithe slower pace once the fast 5 years are over — only drives years 6-10 of the price path below

Exit multiple (PE in 5 yrs)iwhat buyers pay per $1 of profit in 2031 — prefilled with today’s forward PE

Desired return %/yrithe yearly return you want from buying today — the S&P has done ~14%/yr, ask for more from a single stock

FCF growth %/yr (next 5 yrs)ihow fast free cash flow grows while the company is still expanding fast

Years of fast FCF growthihow many years the fast growth lasts before the business settles down

FCF growth after year 5 (forever)ithe slow, steady pace once the company is mature — usually 2-3%, near inflation. Must stay below your target return

Risk-free rate %iwhat a 10-yr US treasury pays with zero risk — the floor any risky stock must beat

Your target return %/yrithe yearly return you want for taking this risk — rule of thumb: risk-free rate + extra for risk

FCF base ($M, TTM)ilast 12 months of free cash flow, added up from reported quarters

Include dividends in returnidividends hand you part of the return in cash, so the share price needs to climb less

Pay up to today

—

vs current price $69.49

—

Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today

—

grows for the next years

Then mature

—

every future dollar counted back to today

Pile of today-dollars

—

÷ shares

Implied price path

Year	FCF	Implied price

Sensitivity — fair value: growth ↓ × target return →

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