First Business Financial Services, Inc.
NASDAQ•FBIZ
CEO: Mr. Corey A. Chambas
セクター: Financial Services
業種: Banks - Regional
上場日: 2005-11-09
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 real estate lending, commercial and industrial lending, asset-based lending, accounts receivable financing, equipment financing loans and leases, 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. In addition, the company offers bank consulting consisting of investment portfolio administrative and asset liability management services, and commercial deposit accounts. The company was founded in 1909 and is headquartered in Madison, Wisconsin.
連絡先情報
時価総額
$436.08M
PER (TTM)
8.5
14.2
配当利回り
2.3%
52週高値
$60.54
52週安値
$42.18
52週レンジ
順位42Top 47.5%
3.9
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
弱い • 3.9 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025
財務ダッシュボード
Q4 2025 データ
売上高
$70.21M+3.08%
直近4四半期の推移
EPS
$1.60-6.43%
直近4四半期の推移
フリーCF
$16.10M+0.00%
直近4四半期の推移
2025 Annual 決算ハイライト
主なハイライト
Strong Net Income Growth Net income available to common shareholders reached $50.3M, up 13.7% year-over-year; diluted EPS improved to $5.94.
Loan Portfolio Expansion Total gross loans and leases grew 8.4% to $3.375B by year-end 2025, supported by strong commercial lending activity.
Improved Operational Efficiency Efficiency ratio improved to 58.78% in 2025 from 60.61% in 2024, reflecting better cost control relative to revenue growth.
Robust Capital Position Consolidated CET1 ratio stood at 9.48% as of December 31, 2025, significantly exceeding regulatory minimum requirements.
リスク要因
Deteriorating Asset Quality Non-accrual loans rose to $43.9M (1.30% of loans) driven by a $20.4M downgrade in CRE loans from one client.
Commercial Real Estate Concentration CRE loans represent 61.0% of the total loan portfolio, exposing the bank to real estate market valuation uncertainty.
Net Interest Margin Compression NIM slightly compressed to 3.64% in 2025 from 3.66% in 2024, indicating sensitivity to rising liability costs.
Cybersecurity and Third-Party Risk Increased reliance on technology and third-party vendors heightens exposure to cyber-attacks, data breaches, and operational failures.
見通し
Core Deposit Growth Target Strategic plan targets core deposits to reach ≥ 75% of total funding by 2028, up from 74.7% in 2025.
Managing CRE and SBA Risks Management continues proactive monitoring of CRE portfolio and relies on SBA guaranty structure while managing credit risk.
Expected Effective Tax Rate The Corporation expects the effective tax rate for 2026 to be between 16% and 18%, following a 16.8% rate in 2025.
AI Adoption and Technology Future success depends partly on successfully addressing client needs by using technology, including AI tools, to enhance efficiency.
同業比較
売上高 (TTM)
$441.36M
$343.87M
$303.63M
粗利益率 (最新四半期)
314.9%
79.3%
74.7%
主要指標
銘柄コード | 時価総額 | PER (TTM) | ROE (TTM) | 負債比率 |
|---|---|---|---|---|
| PGC | $589.95M | 15.8 | 5.9% | 3.5% |
| RRBI | $583.79M | 13.7 | 12.3% | 0.0% |
| NFBK | $551.28M | 658.8 | 0.1% | 17.2% |
長期トレンド
直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
1.5%
緩やかな成長
4四半期純利益CAGR
6.1%
収益性の着実な向上
キャッシュフロー安定性
100%
優れたキャッシュフローの実績
深度リサーチ
次回決算:2026年4月22日
EPS:-
|売上高:-
財務データ
決算説明会
財務レポート
ニュース
損益計算書
バランスシート
キャッシュフロー計算書
財務比率
変化率
損益計算書 | 直近12ヶ月 |
|---|
データなし