FIRST BUSINESS FINANCIAL SERVICES, INC. (FBIZ)
State Commercial Banks · Financial Services · $500M
Intrinsic Value (Consensus)
$91.74
Current Price
$59.96
Margin of Safety
+53%
53% Below Intrinsic Value
Value: $92
Price: $60
Valuation Model Estimates
Current Price: $59.96
DCF (Discounted Cash Flow)
$343.42
Graham Number
$77.15
Earnings Power Value
$57.67
Relative Value (P/E)
$118.80
Dividend Discount Model
$113.33
Consensus Value
$91.74
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
74
Profitability
18/25
Strength
24/25
Valuation
22/25
Growth
10/25
Financial Health Signals
Low debt — conservative balance sheet
Strong earnings growth (20% YoY)
High free cash flow yield (12.2%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $5.94
- EPS (Forward)
- $7.13
- Book Value
- $44.54
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 13.5%
- Debt/Equity
- 6%
- Revenue Growth
- N/A
- Earnings Growth
- 20.0%
- Dividend Yield
- 0.3%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance