First Business Financial Services Inc. (FBIZ) carries a Roarable Rating of C (Hold) with 64/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
As of 2026-11-01, First Business Financial Services Inc. (NASDAQ: FBIZ) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $73.76 (+1.39% 1D, market cap $617.2M). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, FBIZ ranks #355 in composite RQD confidence.
Within the Financials sector (Major Banks), FBIZ carries a Roarable C (64/100 RQD), trailing P/E of 12.3x, gross margin of —, and ROIC of 13.5%. By comparison, CIVB (Civista Bancshares Inc.) holds a B- grade (70/100 RQD, P/E 12.8x, ROIC 8.5%, cap $592.0M) and UNTY (Unity Bancorp Inc.) posts a C+ grade (67/100 RQD, P/E 10.1x, ROIC 16.8%, cap $583.5M). Among the 5-stock peer group, UNTY leads on earnings multiple (10.1x) while UNTY leads on capital efficiency (16.8% ROIC).
Per FBIZ's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001521951), First Business Financial Services Inc. generated $0 in revenue, $50.3M in net income, and $61.1M in free cash flow against $4.08B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)
SEC XBRL FY 2025 (10-K): 1.5% FCF Margin ($61.1M FCF) & 52% Gross Margin
Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)
Even with a 64/100 (C) score, FBIZ faces multiple-compression risk if 12.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($70.99) or 200D SMA ($62.35) invalidates the momentum regime and cuts Target Base ($75.75) toward Bear Floor ($59.09).
First Business Financial Services Inc. (FBIZ) advanced +1.39% to $73.76, trading at 88% of its 52-week range ($49.36 – $77.18). Solid steady margins (14% return on capital), mixed timing at 12x P/E—hold if owned, no rush to chase.
First Business Financial Services stock closed up 2.2% at US$75.40 after its Q3 2026 earnings hit the tape. On the surface that looks like a routine relief move. The headline is stronger, with record quarterly profit, ba
The company's net interest margin widened to 3.8% as loan pricing and deposit funding improved, fueling 12% year-over-year growth in core lending profit.
First Business Financial Services, Inc. (FBIZ) Q3 2026 Earnings Call October 30, 2026 9:00 AM EDTCompany ParticipantsDavid Seiler - President, CEO &...
Record net income and 14.7% EPS growth drive strong balance sheet expansion.
First Business Financial Services (NASDAQ:FBIZ) reported record third-quarter 2026 pre-tax, pre-provision and bottom-line earnings, supported by loan and deposit growth, an expanded net interest margin and lower expenses
First Business Finl Servs (NASDAQ:FBIZ) reported third-quarter financial results on Friday. The transcript from the company’s third-quarter earnings call has been provided below.Benzinga APIs provide real-time access to
Moby summary of First Business Financial Services, Inc.'s Q3 2026 earnings call
First Business Financial Services (FBIZ) delivered earnings and revenue surprises of +15.39% and +1.52%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
Although the revenue and EPS for First Business Financial Services (FBIZ) give a sense of how its business performed in the quarter ended September 2026, it might be worth considering how some key metrics compare with Wa
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on FBIZ today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for FBIZ. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, First Business Financial Services Inc. (FBIZ) ranks #355 by composite RQD confidence (64/100, grade C) and #660 by equity capitalization ($617.2M). Within this direct 5-issuer industry benchmark cohort, UNTY leads on earnings valuation at 10.1x trailing P/E, while UNTY leads on capital efficiency and profitability with 16.8% ROIC and — gross margin. CIVB currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with FBIZ at 64/100 (C).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| FBIZ
ACTIVE
First Business Financial Services Inc. | C | 64/100 | 12.3x | — | 13.5% | +1.39% | $617.2M | Benchmark Subject |
| CIVB Civista Bancshares Inc. | B- | 70/100 | 12.8x | — | 8.5% | +1.03% | $592.0M | /civb-vs-fbiz → |
| UNTY Unity Bancorp Inc. | C+ | 67/100 | 10.1x | — | 16.8% | +0.64% | $583.5M | /unty-vs-fbiz → |
| SFST Southern First Bancshares Inc. | C | 63/100 | 19.0x | — | 8.2% | -0.18% | $576.5M | /sfst-vs-fbiz → |
| CARE Carter Bankshares Inc. | C | 64/100 | 21.1x | — | 7.5% | -1.09% | $662.5M | /care-vs-fbiz → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), First Business Financial Services Inc. (FBIZ) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $50.3M, operating cash flow of $61.7M, and free cash flow of $61.1M (+6.7% YoY). On the balance sheet, FBIZ closed FY2025 with $4.08B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $0 | $50.3M | $61.7M | $61.1M | $4.08B | — |
| FY2024 (FY) | 2024-12-31 | $0 | $44.2M | $57.5M | $57.3M | $3.85B | — |
| FY2023 (FY) | 2023-12-31 | $0 | $37.0M | $52.3M | $52.3M | — | — |
As of 2026-11-01, First Business Financial Services Inc. (NASDAQ: FBIZ) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $73.76 (+1.39% 1D, market cap $617.2M). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, FBIZ ranks #355 in composite RQD confidence.
Within the Financials sector (Major Banks), FBIZ carries a Roarable C (64/100 RQD), trailing P/E of 12.3x, gross margin of —, and ROIC of 13.5%. By comparison, CIVB (Civista Bancshares Inc.) holds a B- grade (70/100 RQD, P/E 12.8x, ROIC 8.5%, cap $592.0M) and UNTY (Unity Bancorp Inc.) posts a C+ grade (67/100 RQD, P/E 10.1x, ROIC 16.8%, cap $583.5M). Among the 5-stock peer group, UNTY leads on earnings multiple (10.1x) while UNTY leads on capital efficiency (16.8% ROIC).
Per FBIZ's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001521951), First Business Financial Services Inc. generated $0 in revenue, $50.3M in net income, and $61.1M in free cash flow against $4.08B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
FBIZ last traded at $73.76 (+1.39% on volume of 59,213 shares), positioning the stock +3.90% above its 50-day simple moving average ($70.99) and +18.30% above its 200-day simple moving average ($62.35). Across its 52-week range of $49.36 to $77.18, FBIZ sits at the 87.7% percentile with a 14-day RSI of 72.6 (OVERBOUGHT (>70)) and an implied next-earnings move of ±5.1% ($70.00 to $77.52).
Why FBIZ Stock advanced +1.39% Today — RQD Quant Desk Flash. Solid steady margins (14% return on capital), mixed timing at 12x P/E—hold if owned, no rush to chase.
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