First Business Valuation
| FBIZ Stock | USD 51.47 0.99 1.96% |
At this time, the firm appears to be overvalued. First Business Financial shows a prevailing Real Value of $43.86 per share. The current price of the firm is $51.47. Our model computes the value of First Business Financial from reviewing the firm fundamentals such as Current Valuation of 658.78 M, shares outstanding of 8.3 M, and Profit Margin of 0.28 % as well as analyzing its technical indicators and probability of bankruptcy. Key fundamental drivers impacting First Business' valuation include:
Price Book 1.3958 | Enterprise Value 658.8 M | Price Sales 2.9858 | Forward PE 9.8039 | Trailing PE 10.8793 |
Overvalued
Today
Please note that First Business' price fluctuation is very steady at this time. Calculation of the real value of First Business Financial is based on 3 months time horizon. Increasing First Business' time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since First Business is currently traded on the exchange, buyers and sellers on that exchange determine the market value of First Stock. However, First Business' intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 51.47 | Real 43.86 | Target 38.25 | Hype 50.32 | Naive 49.08 |
The intrinsic value of First Business' stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence First Business' stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of First Business Financial helps investors to forecast how First stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of First Business more accurately as focusing exclusively on First Business' fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use First Business' intrinsic value based on its ongoing forecasts of First Business' financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against First Business' closest peers.
First Business Cash |
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First Valuation Trend
Analysing the historical paterns of First Business' enterprise value and its market capitalization is a good way to estimate and gauge the value of First Business Financial over time and is usually enough for investors to make rational market timing decisions.
First Business Total Value Analysis
First Business Financial is currently forecasted to have valuation of 658.78 M with market capitalization of 418.73 M, debt of 330.92 M, and cash on hands of 84.44 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the First Business fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
658.78 M | 418.73 M | 330.92 M | 84.44 M |
First Business Investor Information
About 68.0% of the company shares are owned by institutional investors. The company has price-to-book (P/B) ratio of 1.4. Some equities with similar Price to Book (P/B) outperform the market in the long run. First Business Financial has Price/Earnings To Growth (PEG) ratio of 1.89. The entity last dividend was issued on the 7th of November 2024. The firm had 2:1 split on the 31st of August 2015. Based on the key indicators related to First Business' liquidity, profitability, solvency, and operating efficiency, First Business Financial may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 1.29 | 0.68 |
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| Total Cash From Operating Activities | 57.2 M | 54.5 M |
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| Operating Income | 34.6 M | 22.6 M |
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First Business Asset Utilization
The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. First Business has an asset utilization ratio of 2.54 percent. This suggests that the Company is making $0.0254 for each dollar of assets. An increasing asset utilization means that First Business Financial is more efficient with each dollar of assets it utilizes for everyday operations.First Business Ownership Allocation
The market capitalization of First Business Financial is $418.73 Million. Over half of First Business' outstanding shares are owned by other corporate entities. These other corporate entities are typically referred to as corporate investors that obtain positions in a given instrument to benefit from reduced trade commissions. Note, that even with substantial debt, if the true value of the firm is larger than the current market value, you may still be able to generate positive returns on investment in this company at some point.First Business Profitability Analysis
The company reported the previous year's revenue of 89.23 M. Net Income was 54.45 M with profit before overhead, payroll, taxes, and interest of 131.72 M.First Business Past Distributions to stockholders
About First Business Valuation
Our relative valuation model uses a comparative analysis of First Business. We calculate exposure to First Business's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of First Business's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 89.2 M | 59.4 M | |
| Pretax Profit Margin | 0.33 | 0.33 | |
| Operating Profit Margin | 0.68 | 1.29 | |
| Net Profit Margin | 0.26 | 0.26 |
First Business Quarterly Retained Earnings |
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A single share of First Business represents a small ownership stake in the entity. As a stockholder of First, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
First Business Dividends Analysis For Valuation
Dividend Paid And Capex Coverage Ratio is likely to rise to 6.92 in 2024, whereas Dividends Paid is likely to drop slightly above 416.1 K in 2024. . At this time, First Business' Retained Earnings are fairly stable compared to the past year. Retained Earnings Total Equity is likely to rise to about 245.7 M in 2024, whereas Earning Assets are likely to drop slightly above 283.1 M in 2024.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 438 K | 416.1 K | |
| Dividend Yield | 0.03 | 0.02 | |
| Dividend Payout Ratio | 0.23 | 0.20 | |
| Dividend Paid And Capex Coverage Ratio | 4.61 | 6.92 |
There are various types of dividends First Business can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of First shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from First Business Financial directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When First pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of First Business by the value of the dividends paid out.
First Business Growth Indicators
Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
| Common Stock Shares Outstanding | 8.1 M | |
| Quarterly Earnings Growth Y O Y | 0.06 | |
| Forward Price Earnings | 9.8039 |
First Business Current Valuation Indicators
Valuation refers to the process of determining the present value of First Business Financial and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value First we look at many different elements of the entity such as First's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as First Business, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use First Business' valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes First Business' worth.Additional Tools for First Stock Analysis
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.