First Business Financial Services clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.
First Business Financial Services, Inc. operates as the bank holding company for First Business Bank (FBB) that provides commercial banking products and services for small and medium-sized businesses, business owners, executives, professionals, and h…
Analysis
Quality compounder
First Business Financial Services, Inc. is a quality compounder: a well-run business trading at a price that reflects what it is worth.
The price is attractive. You pay 9.1× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone.
The trajectory is moderate and the balance sheet is stretched. The company scores 10/20 on our value-creation score: creating some value. Analysts lean positive.
What to watch: Some accounting patterns deserve a closer look. As always: this describes the company's numbers; it is not a recommendation.
360° rank · history
1007550250
Jan 202393
36
2023202420252026
All-time high
100
Dec 2025
All-time low
36
Jun 2026
Average rank
86
across all years
Detailed & Historical Ranks
Deep dive into 15 detailed ranks and 3 years of history.
Current202520242023
Price/Sales
75
68
87
97
Price/Earnings
84
91
90
93
Price/Book
35
26
31
81
Dividend Yield
65
34
33
31
Value (overall)
64
73
66
67
Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.