First Business Financial Services IncFBIZ
Price$69.49Intrinsic value$46.3133% below price

Valuation

How Intrinsic Value compares with model outputs

Intrinsic Value $46.31median of 2 methodsbased on filings through 30 Jun 2026
Market Price $69.49Price as of 1 Oct 2026
Margin of Safety -33.4%as of 1 Oct 2026

Valuation methods vs. Market Price

Company vs. peer median Members

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Assumptions

ParameterValue
Years 1–5: analyst growth pathFive-year total matches analyst consensus exactly. Year 1: 5.1% (near-term consensus, capped) · years 2–5: 5.1%/yr (balance of the path).5.1% per year
Years 6–10: glide to demonstrated growth
Per-year rates
Yr 65.1%Yr 75.1%Yr 85.1%Yr 95.1%Yr 105.1%
5.1% → 5.1%
Years 11–20: glide to long-run rate
Per-year rates
Yr 114.9%Yr 124.7%Yr 134.4%Yr 144.2%Yr 154.0%Yr 163.8%Yr 173.6%Yr 183.4%Yr 193.2%Yr 203.0%
5.1% → 3.0%
Beyond year 20: terminal growthPerpetual long-run rate3.0%
Historical EPS growth (multi-year median)median of 3 windows (5/6/7y)18.0%
Discount rate (cost of equity) 8.4%
Volatility vs market (adjusted beta)0.77

Valuation Detail Members

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Assumptions Sandbox Members

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Compare with peers

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Best in rowHigher is betterLower is better—Data not available
TargetFirst Business Financial Services IncFBIZFinancials
Valuation
P/E10.6×
P/S4.4×
P/B1.5×
EV / Revenue—
EV / EBITDA—
Profitability
Gross margin—
Operating margin47.6%
Net margin36.9%
FCF margin59.4%
Returns
ROE14.0%
ROA1.3%
ROIC—
Growth
Revenue growth (YoY)-2.4%
5-yr fwd EPS growth—
Financial strength
Debt / Equity—
Current ratio—
Altman Z-Score—
Interest coverage—
Dividend yield202.0%

Best value in each row is highlighted. Figures are periodic snapshots from the same filings used across each dossier; a dash means the figure is not available.

AI-assisted, source-linked narrative; figures from company filings (SEC EDGAR) and market data. Dates shown per section. Not investment advice. Terms of Use.