First Business Financial Net Income
| FBIZ Stock | USD 58.40 0.87 1.47% |
As of the 12th of February 2026, First Business shows the Coefficient Of Variation of 737.34, mean deviation of 1.14, and Downside Deviation of 1.22. First Business Financial technical analysis allows you to utilize historical prices and volume patterns in order to determine a pattern that computes the direction of the firm's future prices.
First Business Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 4.4661 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 50.3 M | 52.8 M | |
| Net Income Applicable To Common Shares | 46.2 M | 48.5 M | |
| Net Income From Continuing Ops | 50.9 M | 53.4 M | |
| Net Income Per Share | 6.17 | 6.48 | |
| Net Income Per E B T | 0.83 | 0.56 |
First | Net Income | Build AI portfolio with First Stock |
The evolution of Net Income for First Business Financial provides essential context for understanding the company's financial health trajectory. By analyzing this metric's behavior over time, investors can assess whether recent trends align with long-term patterns, and how First Business compares to historical norms and industry peers.
Latest First Business' Net Income Growth Pattern
Below is the plot of the Net Income of First Business Financial over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in First Business Financial financial statement analysis. It represents the amount of money remaining after all of First Business Financial operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is First Business' Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in First Business' overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 50.32 M | 10 Years Trend |
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Net Income |
| Timeline |
First Net Income Regression Statistics
| Arithmetic Mean | 22,877,821 | |
| Geometric Mean | 17,904,310 | |
| Coefficient Of Variation | 68.34 | |
| Mean Deviation | 12,949,297 | |
| Median | 16,514,000 | |
| Standard Deviation | 15,635,010 | |
| Sample Variance | 244.5T | |
| Range | 50.4M | |
| R-Value | 0.88 | |
| Mean Square Error | 60.7T | |
| R-Squared | 0.77 | |
| Slope | 2,711,886 | |
| Total Sum of Squares | 3911.3T |
First Net Income History
Other Fundumenentals of First Business Financial
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
First Business Net Income component correlations
First Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for First Business is extremely important. It helps to project a fair market value of First Stock properly, considering its historical fundamentals such as Net Income. Since First Business' main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of First Business' historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of First Business' interrelated accounts and indicators.
Click cells to compare fundamentals
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of First Business. Market participants price First higher when confident in its future expansion prospects. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive First Business assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Quarterly Earnings Growth (0.07) | Dividend Share 1.16 | Earnings Share 5.85 | Revenue Per Share | Quarterly Revenue Growth 0.05 |
First Business Financial's market price often diverges from its book value, the accounting figure shown on First's balance sheet. Smart investors calculate First Business' intrinsic value - its true economic worth - which may differ significantly from both market price and book value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Since First Business' trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
Please note, there is a significant difference between First Business' value and its price as these two are different measures arrived at by different means. Investors typically determine if First Business is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, First Business' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
First Business 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to First Business' stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of First Business.
| 11/14/2025 |
| 02/12/2026 |
If you would invest 0.00 in First Business on November 14, 2025 and sell it all today you would earn a total of 0.00 from holding First Business Financial or generate 0.0% return on investment in First Business over 90 days. First Business is related to or competes with Home Bancorp, Northfield Bancorp, Red River, Civista Bancshares, Capital Bancorp, Bank7 Corp, and First Bank. First Business Financial Services, Inc. operates as the bank holding company for First Business Bank that provides comme... More
First Business Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure First Business' stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess First Business Financial upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.22 | |||
| Information Ratio | 0.0703 | |||
| Maximum Drawdown | 8.36 | |||
| Value At Risk | (1.91) | |||
| Potential Upside | 3.35 |
First Business Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for First Business' investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as First Business' standard deviation. In reality, there are many statistical measures that can use First Business historical prices to predict the future First Business' volatility.| Risk Adjusted Performance | 0.1125 | |||
| Jensen Alpha | 0.1214 | |||
| Total Risk Alpha | 0.0182 | |||
| Sortino Ratio | 0.0916 | |||
| Treynor Ratio | 0.2295 |
First Business February 12, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.1125 | |||
| Market Risk Adjusted Performance | 0.2395 | |||
| Mean Deviation | 1.14 | |||
| Semi Deviation | 1.0 | |||
| Downside Deviation | 1.22 | |||
| Coefficient Of Variation | 737.34 | |||
| Standard Deviation | 1.58 | |||
| Variance | 2.51 | |||
| Information Ratio | 0.0703 | |||
| Jensen Alpha | 0.1214 | |||
| Total Risk Alpha | 0.0182 | |||
| Sortino Ratio | 0.0916 | |||
| Treynor Ratio | 0.2295 | |||
| Maximum Drawdown | 8.36 | |||
| Value At Risk | (1.91) | |||
| Potential Upside | 3.35 | |||
| Downside Variance | 1.48 | |||
| Semi Variance | 1.01 | |||
| Expected Short fall | (1.45) | |||
| Skewness | 0.5885 | |||
| Kurtosis | 1.16 |
First Business Financial Backtested Returns
First Business appears to be very steady, given 3 months investment horizon. First Business Financial secures Sharpe Ratio (or Efficiency) of 0.13, which denotes the company had a 0.13 % return per unit of risk over the last 3 months. We have found twenty-nine technical indicators for First Business Financial, which you can use to evaluate the volatility of the firm. Please utilize First Business' Mean Deviation of 1.14, downside deviation of 1.22, and Coefficient Of Variation of 737.34 to check if our risk estimates are consistent with your expectations. On a scale of 0 to 100, First Business holds a performance score of 10. The firm shows a Beta (market volatility) of 0.89, which means possible diversification benefits within a given portfolio. First Business returns are very sensitive to returns on the market. As the market goes up or down, First Business is expected to follow. Please check First Business' potential upside, as well as the relationship between the accumulation distribution and price action indicator , to make a quick decision on whether First Business' price patterns will revert.
Auto-correlation | 0.69 |
Good predictability
First Business Financial has good predictability. Overlapping area represents the amount of predictability between First Business time series from 14th of November 2025 to 29th of December 2025 and 29th of December 2025 to 12th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of First Business Financial price movement. The serial correlation of 0.69 indicates that around 69.0% of current First Business price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.69 | |
| Spearman Rank Test | 0.79 | |
| Residual Average | 0.0 | |
| Price Variance | 3.72 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
First Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, First Business Financial reported net income of 50.32 M. This is 96.06% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 91.19% higher than that of the company.
First Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses First Business' direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of First Business could also be used in its relative valuation, which is a method of valuing First Business by comparing valuation metrics of similar companies.First Business is currently under evaluation in net income category among its peers.
First Business ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, First Business' sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to First Business' managers, analysts, and investors.Environmental | Governance | Social |
First Business Institutional Holders
Institutional Holdings refers to the ownership stake in First Business that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of First Business' outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing First Business' value.| Shares | Pacific Ridge Capital Partners, Llc | 2025-06-30 | 147.9 K | Hillsdale Investment Management Inc. | 2025-06-30 | 104.1 K | M3f, Inc. | 2025-06-30 | 96.6 K | Lsv Asset Management | 2025-06-30 | 86 K | Bridgeway Capital Management, Llc | 2025-06-30 | 81.9 K | Northern Trust Corp | 2025-06-30 | 80.3 K | Alliancebernstein L.p. | 2025-06-30 | 71.8 K | Federated Hermes Inc | 2025-06-30 | 71.3 K | Poehling Capital Management Inc | 2025-06-30 | 58.3 K | Blackrock Inc | 2025-06-30 | 946.8 K | Dimensional Fund Advisors, Inc. | 2025-06-30 | 509.4 K |
First Fundamentals
| Return On Equity | 0.14 | ||||
| Return On Asset | 0.0127 | ||||
| Profit Margin | 0.31 % | ||||
| Operating Margin | 0.42 % | ||||
| Current Valuation | 706.54 M | ||||
| Shares Outstanding | 8.33 M | ||||
| Shares Owned By Insiders | 5.33 % | ||||
| Shares Owned By Institutions | 71.66 % | ||||
| Number Of Shares Shorted | 57.85 K | ||||
| Price To Earning | 14.43 X | ||||
| Price To Book | 1.33 X | ||||
| Price To Sales | 3.04 X | ||||
| Revenue | 279.25 M | ||||
| Gross Profit | 159.97 M | ||||
| EBITDA | 60.45 M | ||||
| Net Income | 50.32 M | ||||
| Cash And Equivalents | 84.44 M | ||||
| Cash Per Share | 9.96 X | ||||
| Total Debt | 266.77 M | ||||
| Debt To Equity | 10.82 % | ||||
| Book Value Per Share | 44.63 X | ||||
| Cash Flow From Operations | 57.49 M | ||||
| Short Ratio | 2.39 X | ||||
| Earnings Per Share | 5.85 X | ||||
| Price To Earnings To Growth | 1.89 X | ||||
| Target Price | 67.25 | ||||
| Number Of Employees | 368 | ||||
| Beta | 0.74 | ||||
| Market Capitalization | 486.2 M | ||||
| Total Asset | 4.08 B | ||||
| Retained Earnings | 265.78 M | ||||
| Annual Yield | 0.02 % | ||||
| Five Year Return | 2.69 % | ||||
| Net Asset | 4.08 B | ||||
| Last Dividend Paid | 1.16 |
About First Business Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze First Business Financial's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of First Business using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of First Business Financial based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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When running First Business' price analysis, check to measure First Business' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy First Business is operating at the current time. Most of First Business' value examination focuses on studying past and present price action to predict the probability of First Business' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move First Business' price. Additionally, you may evaluate how the addition of First Business to your portfolios can decrease your overall portfolio volatility.