Should I Buy FBIZ? FBIZ 2026 Analysis

Should You Buy First Business Financial Services Inc (FBIZ) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Buy

Latest Price

55.440

1 Day change

-2.03%

52 Week Range

59.850

Analysis Updated At

2026/01/28

BUY for a beginner long-term investor right now. FBIZ is in a broader uptrend (bullish moving-average stack), just pulled back toward a defined support zone (~54.96), and fundamentals from the latest reported quarter (2025/Q3) showed strong growth in revenue and earnings. Wall Street coverage is constructive (Overweight, PT $61), and there are no negative news shocks in the last week. Near-term momentum is soft (bearish MACD), but the current dip near support offers a reasonable long-term entry for an impatient buyer.

Technical Analysis

Price/Trend: FBIZ closed at 55.32 (-2.03%), below the pivot (57.04) and approaching first support S1 (54.96). The moving averages are bullish (SMA_5 > SMA_20 > SMA_200), which typically signals the primary trend remains upward despite the recent pullback. Momentum: MACD histogram is negative (-0.0687) and expanding lower, indicating weakening short-term momentum. RSI(6) at ~37.4 is not oversold but is leaning weak, consistent with a pullback rather than a breakout. Levels to watch: Support: 54.96 (S1), then 53.67 (S2). Resistance: 57.04 (pivot), then 59.12 (R1). A bounce off ~55–55.0 area improves the near-term setup; reclaiming ~57 would strengthen trend confirmation. Intellectia Proprietary Trading Signals - [AI Stock Picker](module://ai_stock_pick): No signal on given stock today. - [SwingMax](module://swingmax): No signal on given stock today.

Options Data

Bullish

Open Interest Put-Call Ratio

Bullish

Option Volume Put-Call Ratio

Sentiment from positioning: Open interest put/call ratio of 0.17 is call-heavy (bullish skew), suggesting traders are positioned more for upside than downside. Activity/conviction: Option volume is effectively 0 today, so sentiment is based on existing positioning rather than fresh, high-conviction flow. Volatility: 30D implied volatility is elevated (104.12) while IV percentile is low (6.4), implying current IV is low relative to its own history despite a high absolute print; overall, options signals are not strong due to minimal trading volume.

Technical Summary

Sell

Buy

Positive Catalysts

Strong latest reported quarter (2025/Q3): revenue +12.77% YoY, net income +38.06% YoY, EPS +37.10% YoY.
Analyst support: Piper Sandler reiterated Overweight and raised PT to $61 citing operating leverage, credit quality improvement, and stable NIM outlook.
Technical setup: Long-term uptrend intact (bullish MA stack) with price pulling back near a clear support zone (~54.96), potentially offering a better entry than chasing strength.
Upcoming event: Next earnings is scheduled for 2026-01-29 after hours (event catalyst for repricing if results/guide surprise positively).

Neutral/Negative Catalysts

Short-term momentum is weakening (MACD negative and expanding), increasing the chance of a continued drift toward lower support (~53.67) before a rebound.
Pattern-based short-horizon odds provided suggest modest downside bias over the next week/month.
Limited options liquidity/volume today reduces the usefulness of options flow as a real-time sentiment indicator.
No recent news catalysts in the last week to immediately reverse the current pullback.

Financial Performance

Latest quarter: 2025/Q3. Growth trends: Revenue rose to 40.458M (+12.77% YoY). Net income increased to 13.916M (+38.06% YoY). EPS grew to 1.70 (+37.10% YoY). Overall, profitability is expanding faster than revenue, which is a favorable long-term signal.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Recent trend: Positive. On 2025-11-04, Piper Sandler raised the price target to $61 from $58 and maintained an Overweight rating after strong Q3 results. Wall Street pros: Improving credit quality metrics, above-average operating leverage, expectations for continued loan/core deposit growth, and a relatively stable net interest margin profile. Wall Street cons: Not broadly cited in the provided data; the main implied downside is near-term price/momentum softness versus the longer-term fundamental story. Influential/politician trading: No recent congress trading data available; hedge funds and insiders are reported as neutral with no significant recent trends.

1 Analyst Rating

Wall Street analysts forecast FBIZ stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for FBIZ is 61 USD with a low forecast of 61 USD and a high forecast of 61 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

1 Buy

0 Hold

0 Sell

Moderate Buy

Current: 56.590

Low

Averages

High

Current: 56.590

Low

Averages

High

Piper Sandler

Overweight

maintain

$58 -> $61

AI Analysis

2025-11-04

Reason

Piper Sandler

Price Target

$58 -> $61

AI Analysis

2025-11-04

maintain

Overweight

Reason

Piper Sandler raised the firm's price target on First Business Financial to $61 from $58 and keeps an Overweight rating on the shares following strong Q3 results that included 8% PPNR upside driven by stronger core fee income and solid improvement in credit quality metrics. In Piper's view, First Business is well-positioned for price to earnings expansion above peers via continued above average operating leverage with additional high single digit growth in both loans and core deposits as well as with its relatively stable adjusted net interest margin outlook aided by management's well-calculated match funded balance sheet approach. The firm anticipates these factors should drive continued superior TBV growth.

Piper Sandler

Nathan Race

Overweight

maintain

$55 -> $58

2025-07-29

Reason

Piper Sandler

Nathan Race

Price Target

$55 -> $58

2025-07-29

maintain

Overweight

Reason

Piper Sandler analyst Nathan Race raised the firm's price target on First Business Financial to $58 from $55 and keeps an Overweight rating on the shares. The firm believes First Business Financial generated a solid Q2 and was surprised to see shares underperform recently. While PPNR was 2% light primarily on softer SBA revenue, First Business Financial posted stronger net interest income with continued robust high-single-digit balance sheet growth, including high-single-digit core deposit gathering. Piper believes First Business Financial is well-positioned for price to earnings expansion closer to peers via strong operating leverage that is aided by its more durable net interest margin outlook, which should also support continued superior TBV growth.

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FBIZ Should I Buy

FBIZ Should I Buy

Should You Buy First Business Financial Services Inc (FBIZ) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Options Data

Technical Summary

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

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