First Business Financial Stock Today

FBIZ Stock  USD 37.50  0.83  2.26%   

Performance

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Odds Of Distress

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First Business is trading at 37.50 as of the 29th of March 2024; that is 2.26 percent up since the beginning of the trading day. The stock's open price was 36.67. First Business has under 5 % chance of experiencing financial distress over the next 2 years, but has generated negative returns over the last 90 days. Equity ratings for First Business Financial are calculated daily based on our scoring framework. The performance scores are derived for the period starting the 9th of May 2022 and ending today, the 29th of March 2024. Click here to learn more.
Business Domain
Banks
IPO Date
7th of October 2005
Category
Financial Services
Classification
Financials
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. The company has 8.31 M outstanding shares of which 43.3 K shares are currently shorted by private and institutional investors with about 2.66 trading days to cover. More on First Business Financial

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First Stock Highlights

Most reasonable investors view market volatility as an opportunity to invest at a favorable price or to sell short against a bearish trend. First Business' investment highlights are automatically generated signals that are significant enough to either complement your investing judgment regarding First Business or challenge it. These highlights can help you better understand the position you are entering and avoid costly mistakes.
CEODavid Vetta
Business ConcentrationRegional Banks, Banks - Regional, Financial Services, NASDAQ Composite, NASDAQ Composite Total, Financials, Banks, Banks—Regional, Financial Services (View all Sectors)
Average Analyst Recommendation
Analysts covering First Business report their recommendations after researching First Business' financial statements, talking to executives and customers, or listening in on First Business' conference calls. The current trade recommendation is based on an ongoing consensus estimate among financial analysts covering First Business Financial. The First consensus assessment is calculated by taking the average forecast from all of the analysts covering First Business.
Financial Strength
Based on the key indicators related to First Business' liquidity, profitability, solvency, and operating efficiency, First Business Financial may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. Financial strength of First Business Financial is based on its profitability, leverage, liquidity, source of funds, and operating efficiency.
Current ValueLast YearChange From Last Year 10 Year Trend
Return On Assets0.0130.0124
Sufficiently Up
Slightly volatile
Asset Turnover0.02730.0387
Way Down
Pretty Stable
Total Current Liabilities16.6 M17.4 M
Notably Down
Slightly volatile
Non Current Liabilities Total21.2 M22.3 M
Notably Down
Slightly volatile
Total Assets3.7 B3.5 B
Sufficiently Up
Slightly volatile
Total Current Assets367.4 M386.7 M
Notably Down
Slightly volatile
Total Cash From Operating Activities57.2 M54.5 M
Sufficiently Up
Slightly volatile
First Business' financial strength is of vital concern to both outside investors and internal stakeholders. Efficiency and cost control are keys to First Business' success, along with its ability to generate sufficient cash flow to pay bills, repay debt, and make a consistent year-to-year profit.
Financial leverage usually refers to the use of borrowed funds to amplify returns from an investment. In general, analyzing the relationship between debt to total assets helps investors to understand First Business' financial leverage. It provides some insight into what part of First Business' total assets is financed by creditors.
By using current balance sheet information, investors can analyze the liability, assets, and equity on First Business' books and decide whether to invest or hold. Statistics such as return on equity (ROE), debt to equity (D/E) help investors determine how First Business deploys its capital and how much of that capital is borrowed.
Liquidity
First Business cash flow analysis is essential to understand how it generates and spends money over a specific period. It can also help you figure out where your money is going and how much cash you have available at a given moment. Debt can assist First Business until it has trouble settling it off, either with new capital or with free cash flow. So, First Business' shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like First Business Financial sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for First to invest in growth at high rates of return. When we think about First Business' use of debt, we should always consider it together with cash and equity.

Capital Expenditures

4.15 Million
First Business Financial (FBIZ) is traded on NASDAQ Exchange in USA. It is located in 401 Charmany Drive, Madison, WI, United States, 53719 and employs 343 people. First Business is listed under Regional Banks category by Fama And French industry classification. The company currently falls under 'Small-Cap' category with a current market capitalization of 304.6 M. Market capitalization usually refers to the total value of a company's stock within the entire market. To calculate First Business's market, we take the total number of its shares issued and multiply it by First Business's current market price. To manage market risk and economic uncertainty, many investors today build portfolios that are diversified across equities with different market capitalizations. However, as a general rule, conservative investors tend to hold large-cap stocks, and those looking for more risk prefer small-cap and mid-cap equities. First Business Financial conducts business under Banks sector and is part of Financials industry. The entity has 8.31 M outstanding shares of which 43.3 K shares are currently shorted by private and institutional investors with about 2.66 trading days to cover. First Business Financial currently holds about 84.44 M in cash with 54.45 M of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 9.96.
Check First Business Probability Of Bankruptcy
Ownership Allocation
First Business Financial retains a total of 8.31 Million outstanding shares. Over half of First Business' outstanding shares are owned by other corporate entities. These other corporate entities are typically referred to as corporate investors that obtain positions in a given instrument to benefit from reduced trade commissions. Consequently, these institutions are subject to different rules and regulations than regular investors in First Business. Please watch out for any change in the institutional holdings of First Business Financial as this could mean something significant has changed or is about to change at the company. Note that regardless of who owns the company, if the true value of the entity is less than the market is willing to pay for it, you may not be able to generate positive returns over time.
Check First Ownership Details

First Stock Price Odds Analysis

Based on a normal probability distribution, the odds of First Business jumping above the current price in 90 days from now is about 25.25%. The First Business Financial probability density function shows the probability of First Business stock to fall within a particular range of prices over 90 days. Given the investment horizon of 90 days the stock has a beta coefficient of 2.0038. This usually indicates as the benchmark fluctuates upward, the company is expected to outperform it on average. However, if the benchmark returns are projected to be negative, First Business will likely underperform. Additionally, first Business Financial has a negative alpha, implying that the risk taken by holding this instrument is not justified. The company is significantly underperforming NYSE Composite.
  Odds Below 37.5HorizonTargetOdds Above 37.5
74.57%90 days
 37.50 
25.25%
Based on a normal probability distribution, the odds of First Business to move above the current price in 90 days from now is about 25.25 (This First Business Financial probability density function shows the probability of First Stock to fall within a particular range of prices over 90 days) .

First Stock Institutional Holders

Institutional Holdings refers to the ownership stake in First Business that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of First Business' outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing First Business' value.
InstituionRecorded OnShares
Franklin Resources Inc2023-12-31
130.8 K
Alliancebernstein L.p.2023-09-30
127.2 K
State Street Corporation2023-09-30
116.1 K
Lsv Asset Management2023-12-31
109.2 K
Northern Trust Corp2023-09-30
100 K
River Oaks Capital Llc2023-09-30
94.6 K
Hotchkis & Wiley Capital Management Llc2023-09-30
85.9 K
Bridgeway Capital Management, Llc2023-12-31
83.5 K
American Century Companies Inc2023-12-31
66.1 K
Blackrock Inc2023-09-30
638.2 K
Dimensional Fund Advisors, Inc.2023-12-31
525.7 K
View First Business Diagnostics

First Business Historical Income Statement

First Business Financial Income Statement is one of the three primary financial statements used for reporting First's overall financial performance over a current year or for a given accounting period. An Income Statement sometimes referred to as the statement of First Business Financial revenue and expense. First Business Income Statement primarily focuses on the company's revenues and expenses during a particular period.
At this time, First Business' Other Operating Expenses is fairly stable compared to the past year. Operating Income is likely to rise to about 34.6 M in 2024, whereas Interest Expense is likely to drop slightly above 22.6 M in 2024. View More Fundamentals

First Stock Against Markets

Picking the right benchmark for First Business stock is fundamental to making educated investment choices. Many naive investors compare their positions with the S&P 500 or with the Nasdaq. But these benchmarks are not all-inclusive and generally should be used only for large-capitalization equities or stock offerings from large companies. When the price of a selected benchmark declines in a down market, there may be an uptick in First Business stock price where buyers come in believing the asset is cheap. The opposite is true when the market is bullish; so, accurately picking the benchmark for First Business is critical whether you are bullish or bearish towards First Business Financial at a given time. Please also check how First Business' historical prices are related to one of the top price index indicators.

Be your own money manager

Our tools can tell you how much better you can do entering a position in First Business without increasing your portfolio risk or giving up the expected return. As an individual investor, you need to find a reliable way to track all your investment portfolios. However, your requirements will often be based on how much of the process you decide to do yourself. In addition to allowing all investors analytical transparency into all their portfolios, our tools can evaluate risk-adjusted returns of your individual positions relative to your overall portfolio.

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First Business Corporate Directors

First Business corporate directors refer to members of a First Business board of directors. The board of directors generally takes responsibility for the First Business' affairs and long-term direction of the entity. A corporate director does not make decisions for the corporation on his own. As a member of the board of directors, she or he must function as a part of a group that makes decisions on behalf of the business only by the board of directors' meetings. To pass a resolution, a majority of First Business' board members must vote for the resolution. The First Business board of directors' duties also include the election, removal, and supervision of officers, including the adoption, amendment, and repeal of bylaws.
Carol SandersDirectorProfile
Ralph KautenIndependent DirectorProfile
Dean VoeksIndependent DirectorProfile
Carla ChavarriaIndependent DirectorProfile

How to buy First Stock?

Before investing in First Business, you must ensure you fully understand your financial goals and how diversified (or not) your overall investments are now. Then, after you clearly understand your investment objectives, consider investing in First Business. To buy First Business stock, you can follow these steps:
  • Choose a brokerage firm: You need to select a brokerage firm to buy shares of First Business. Some popular options include Charles Schwab, Fidelity, TD Ameritrade, and Robinhood.
  • Open an account: Once you have chosen a brokerage firm, you will need to open an account. You will be required to provide personal information, such as your name, address, and Social Security number.
  • Fund your account: You will need to deposit funds into your brokerage account to purchase First Business stock. You can do this by transferring funds from your bank account or other investment accounts.
  • Place your order: Once you have located First Business Financial stock in your brokerage account, you can place your order to buy it. You will need to specify the number of shares you want to buy and the price you are willing to pay.
  • Monitor your investment: After you have purchased First Business Financial stock, you should monitor your investment to track its performance and make informed decisions about buying, selling, or holding the stock
It's important to note that investing in stocks, such as First Business Financial, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember various factors, including economic indicators, change in net worth, political events, company-specific news, and investor sentiment, can influence the stock market. These factors can cause fluctuations in stock prices and lead to market volatility affecting your buy or sell decision. However, volatility can also present opportunities for investors to make gains by buying stocks when prices are low and selling when they are high. It's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. For more information on how to buy First Stock please use our How to Invest in First Business guide.

Already Invested in First Business Financial?

The danger of trading First Business Financial is mainly related to its market volatility and Company specific events. As an investor, you must understand the concept of risk-adjusted return before you start trading. The most common way to measure the risk of First Business is by using the Sharpe ratio. The ratio expresses how much excess return you acquire for the extra volatility you endure for holding a more risker asset than First Business. The Sharpe ratio is calculated by using standard deviation and excess return to determine reward per unit of risk. To understand how volatile First Business Financial is, you must compare it to a benchmark. Traditionally, the risk-free rate of return is the rate of return on the shortest-dated U.S. Treasury, such as a 3-year bond.
When determining whether First Business Financial offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of First Business' financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of First Business Financial Stock. Outlined below are crucial reports that will aid in making a well-informed decision on First Business Financial Stock:
Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in First Business Financial. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in gross domestic product.
You can also try the Money Flow Index module to determine momentum by analyzing Money Flow Index and other technical indicators.

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When running First Business' price analysis, check to measure First Business' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy First Business is operating at the current time. Most of First Business' value examination focuses on studying past and present price action to predict the probability of First Business' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move First Business' price. Additionally, you may evaluate how the addition of First Business to your portfolios can decrease your overall portfolio volatility.
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Is First Business' industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of First Business. If investors know First will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about First Business listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.03)
Dividend Share
0.91
Earnings Share
4.33
Revenue Per Share
16.69
Quarterly Revenue Growth
0.01
The market value of First Business Financial is measured differently than its book value, which is the value of First that is recorded on the company's balance sheet. Investors also form their own opinion of First Business' value that differs from its market value or its book value, called intrinsic value, which is First Business' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because First Business' market value can be influenced by many factors that don't directly affect First Business' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between First Business' value and its price as these two are different measures arrived at by different means. Investors typically determine if First Business is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, First Business' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.