FBIZ Valuation

First Business Financial Services Inc

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52.590

-0.15(-0.284%)1D

FBIZ Relative Valuation

FBIZ's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, FBIZ is overvalued; if below, it's undervalued.

Historical Valuation

First Business Financial Services Inc (FBIZ) is now in the Fair zone, suggesting that its current forward PE ratio of 9.12 is considered Fairly compared with the five-year average of 8.01. The fair price of First Business Financial Services Inc (FBIZ) is between 48.58 to 57.82 according to relative valuation methord.

Relative Value

Fair Zone

48.58-57.82

Current Price：52.33

Fair

9.14

Trailing

Forward

0.00

EV/EBITDA

First Business Financial Services Inc. (FBIZ) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

First Business Financial Services Inc. (FBIZ) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

52.74

First Business Financial Services Inc. (FBIZ) has a current PS of 52.74. The 5-year average PS is 2.63. The thresholds are as follows: Strongly Undervalued below -7.75, Undervalued between -7.75 and -2.56, Fairly Valued between 7.82 and -2.56, Overvalued between 7.82 and 13.01, and Strongly Overvalued above 13.01. The current Forward PS of 52.74 falls within the Strongly Overvalued range.

0.00

P/OCF

First Business Financial Services Inc. (FBIZ) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

First Business Financial Services Inc. (FBIZ) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

First Business Financial Services Inc (FBIZ) has a current Price-to-Book (P/B) ratio of 1.26. Compared to its 3-year average P/B ratio of 1.15 , the current P/B ratio is approximately 10.32% higher. Relative to its 5-year average P/B ratio of 1.13, the current P/B ratio is about 12.23% higher. First Business Financial Services Inc (FBIZ) has a Forward Free Cash Flow (FCF) yield of approximately 0.15%. Compared to its 3-year average FCF yield of 14.55%, the current FCF yield is approximately -98.95% lower. Relative to its 5-year average FCF yield of 14.33% , the current FCF yield is about -98.93% lower.

1.27

P/B

Median3y

1.15

Median5y

1.13

0.15

FCF Yield

Median3y

14.55

Median5y

14.33

Competitors Valuation Multiple

The average P/S ratio for FBIZ's competitors is 38.08, providing a benchmark for relative valuation. First Business Financial Services Inc Corp (FBIZ) exhibits a P/S ratio of 52.74, which is 38.49% above the industry average. Given its robust revenue growth of 12.77%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

FBIZ.O

First Business Financial Services Inc

Bank of Marin Bancorp

Civista Bancshares Inc

Red River Bancshares Inc

67.94

15.61%

455.80M

Performance Decomposition

Market capitalization of FBIZ increased by 5.23% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 29.34 to 35.58.

The secondary factor is the Revenue Growth, contributed 12.77%to the performance.

Overall, the performance of FBIZ in the past 1 year is driven by Margin Expansion. Which is more sustainable.

12.77%

35.88M → 40.46M

Revenue Growth

21.27%

29.34 → 35.58

Margin Expansion

-28.81%

12.21 → 8.69

P/E Change

5.23%