45D Stock Overview
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. More details
| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 2/6 |
| Past Performance | 5/6 |
| Financial Health | 6/6 |
| Dividends | 4/6 |
Rewards
Risk Analysis
Community vs My Fair Value
Create NarrativeSelect a narrative for quick price alerts from the community, or create your own.
First Business Financial Services, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$42.20 |
| 52 Week High | US$51.50 |
| 52 Week Low | US$30.00 |
| Beta | 0.66 |
| 1 Month Change | 7.65% |
| 3 Month Change | -14.23% |
| 1 Year Change | 32.70% |
| 3 Year Change | 34.39% |
| 5 Year Change | 220.18% |
| Change since IPO | 90.09% |
Recent News & Updates
Recent updates
Shareholder Returns
| 45D | DE Banks | DE Market | |
|---|---|---|---|
| 7D | -0.5% | 3.7% | 0.7% |
| 1Y | 32.7% | 29.2% | 13.8% |
Return vs Industry: 45D exceeded the German Banks industry which returned 26.9% over the past year.
Return vs Market: 45D exceeded the German Market which returned 13.1% over the past year.
Price Volatility
| 45D volatility | |
|---|---|
| 45D Average Weekly Movement | 13.5% |
| Banks Industry Average Movement | 4.8% |
| Market Average Movement | 6.4% |
| 10% most volatile stocks in DE Market | 12.9% |
| 10% least volatile stocks in DE Market | 3.1% |
Stable Share Price: 45D's share price has been volatile over the past 3 months compared to the German market.
Volatility Over Time: 45D's weekly volatility has increased from 8% to 13% over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1909 | 354 | Corey Chambas | www.firstbusiness.bank |
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.
First Business Financial Services, Inc. Fundamentals Summary
| 45D fundamental statistics | |
|---|---|
| Market cap | €356.86m |
| Earnings (TTM) | €40.24m |
| Revenue (TTM) | €134.22m |
8.9x
P/E Ratio1.2x
P/B RatioIs 45D overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| 45D income statement (TTM) | |
|---|---|
| Revenue | US$148.87m |
| Cost of Revenue | US$0 |
| Gross Profit | US$148.87m |
| Other Expenses | US$104.23m |
| Earnings | US$44.64m |
Last Reported Earnings
Mar 31, 2025
Next Earnings Date
n/a
| Earnings per share (EPS) | 5.37 |
| Gross Margin | 100.00% |
| Net Profit Margin | 29.98% |
| Debt/Equity Ratio | 98.9% |
How did 45D perform over the long term?
See historical performance and comparisonDividends
2.4%
Current Dividend Yield19%
Payout RatioDoes 45D pay a reliable dividends?
See 45D dividend history and benchmarks| First Business Financial Services dividend dates | |
|---|---|
| Ex Dividend Date | May 09 2025 |
| Dividend Pay Date | May 23 2025 |
| Days until Ex dividend | 5 days |
| Days until Dividend pay date | 9 days |
Does 45D pay a reliable dividends?
See 45D dividend history and benchmarksCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/05/12 20:05 |
| End of Day Share Price | 2025/05/12 00:00 |
| Earnings | 2025/03/31 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
|
|
| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
|
* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
First Business Financial Services, Inc. is covered by 5 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Jeffrey Rulis | D.A. Davidson & Co. |
| Brian Martin | Janney Montgomery Scott LLC |
| Damon DelMonte | Keefe, Bruyette, & Woods |