FBIZ
First Business Financial Services, Inc.
NasdaqGSUSDEQUITY
Financial Services
DELAYED
Buy
+44/100
Last price
70.71
▲ 0.07 (0.10%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
70.85
Prev close
70.64
Day high
71.45
Day low
70.61
Volume
72.92K
Market cap
$591.72M
P/E (TTM)
10.80
52W range
46.07 – 73.74
Day trading desk
Gap from prior close
+0.30%
Prior close 70.64
VWAP
71.07
-0.50% from price
Relative volume
1.02×
Normal
Session range
1.19%
70.61 – 71.45
Position in range
12%
Near session low
ATR (14D)
1.27
1.80% of price
Prior day high
71.05
PDH
Prior day low
70.08
PDL
Bid / ask spread
—
Quote not published
Session volume
63.45K
Avg 62.51K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
+2.55%
+0.6%
1M
-2.91%
-4.1%
3M
+12.90%
+8.4%
6M
+25.15%
+7.0%
YTD
+30.22%
+16.0%
1Y
+40.80%
+24.4%
3Y
+135.62%
+53.4%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on FBIZ open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
+39.63K
Net buying
Buy transactions
18
40.31K shares
Sell transactions
1
675 shares
Net transactions
+19
Buys less sells
Sell : buy shares
0.0 : 1
Mixed
Insider-held shares
405.11K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Aug 27, 26 | CHANDLER JODI A Officer |
SELL | 675 | $47.38K | Direct |
| Aug 14, 26 | FERRIS SCOTT M Director |
STOCK | 575 | $0 | Direct |
| May 15, 26 | KILCOYNE GERALD L Director |
STOCK | 710 | $0 | Direct |
| May 15, 26 | GRAHAM JASON R Director |
STOCK | 710 | $0 | Direct |
| May 15, 26 | CHAVARRIA CARLA C Director |
STOCK | 710 | $0 | Direct |
| May 15, 26 | SEILER DAVID R Chief Executive Officer |
STOCK | 3.81K | $0 | Direct |
| May 15, 26 | LORENZ WILLIAM KENT Director |
STOCK | 710 | $0 | Direct |
| May 15, 26 | OLSZEWSKI DANIEL P. Director |
STOCK | 710 | $0 | Direct |
| May 15, 26 | BENSON LAURIE S. Director |
STOCK | 710 | $0 | Direct |
| May 15, 26 | CHAMBAS COREY A Director |
STOCK | 710 | $0 | Direct |
| Apr 10, 26 | HARTLIEB JAMES EDWARD Officer |
STOCK | 127 | $0 | Direct |
| Apr 10, 26 | CHANDLER JODI A Officer |
STOCK | 2.08K | $0 | Direct |
| Apr 10, 26 | OVOKAITYS DANIEL S Chief Technology Officer |
STOCK | 2.43K | $0 | Direct |
| Apr 10, 26 | SEILER DAVID R President |
STOCK | 4.78K | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
CHAMBAS COREY A |
Director | 139.78K | Stock Award(Grant) |
CHANDLER JODI A |
Officer | 22.55K | Sale |
HARTLIEB JAMES EDWARD |
Officer | 31.64K | Stock Gift |
KAUTEN RALPH R. |
Director | 42.44K | Purchase |
KILCOYNE GERALD L |
Director | 66.69K | Stock Award(Grant) |
LORENZ WILLIAM KENT |
Director | 17.85K | Stock Award(Grant) |
MELOY MARK J |
Officer | 54.98K | Stock Award(Grant) |
OLSZEWSKI DANIEL P. |
Director | 27.41K | Stock Award(Grant) |
QUADE BRADLEY A. |
Officer | 16.58K | Stock Award(Grant) |
SEILER DAVID R |
Chief Executive Officer | 41.19K | Stock Award(Grant) |
Fundamentals
Market cap$591.72M
Enterprise value$917.86M
Revenue (TTM)$169.43M
Gross profit$169.43M
EBITDA—
Net income$53.66M
EPS (TTM)$6.55
Free cash flow—
Total cash$79.08M
Total debt$393.22M
Book value / share$45.81
Shares outstanding8.37M
Float7.83M
Short % of float3.86%
Dividend yield1.92%
Beta (5Y)0.67
Valuation & profitability ratios
Trailing P/E10.80
Forward P/E10.17
PEG ratio1.24
Price / sales—
Price / book1.54
EV / revenue5.42
EV / EBITDA—
Gross margin0.00%
Operating margin39.46%
Profit margin32.76%
Return on equity15.00%
Return on assets1.32%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $168.63M | $153.46M | $143.90M | $127.85M | +9.9% |
| Operating revenue | $168.63M | $153.46M | $143.90M | $127.85M | +9.9% |
| Selling, general & admin | $74.95M | $69.38M | $66.19M | $61.14M | +8.0% |
| Pre-tax income | $60.45M | $51.15M | $47.14M | $52.24M | +18.2% |
| Tax provision | $10.13M | $6.91M | $10.11M | $11.39M | +46.8% |
| Net income | $50.32M | $44.24M | $37.03M | $40.86M | +13.7% |
| Net income to common | $48.49M | $42.34M | $35.21M | $39.07M | +14.5% |
| Basic EPS | 5.94 | 5.20 | 4.33 | 4.75 | +14.2% |
| Diluted EPS | 5.94 | 5.20 | 4.33 | 4.75 | +14.2% |
| Basic shares | 8.16M | 8.15M | 8.13M | 8.23M | +0.1% |
| Diluted shares | 8.16M | 8.15M | 8.13M | 8.23M | +0.1% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $39.48M | $157.70M | $139.51M | $102.68M | -75.0% |
| Accounts receivable | $13.10M | $12.88M | $13.28M | $9.40M | +1.7% |
| Property, plant & equipment | $9.99M | $10.93M | $12.75M | $12.03M | -8.6% |
| Goodwill & intangibles | $11.98M | $11.91M | $12.02M | $12.16M | +0.6% |
| Total assets | $4.08B | $3.85B | $3.51B | $2.98B | +5.9% |
| Current debt | $0 | $0 | $0 | $0 | — |
| Long-term debt | $252.05M | $320.05M | $330.92M | $456.81M | -21.2% |
| Total debt | $259.41M | $327.98M | $339.87M | $466.98M | -20.9% |
| Total liabilities | $3.71B | $3.52B | $3.22B | $2.72B | +5.3% |
| Retained earnings | $305.54M | $265.78M | $230.73M | $203.51M | +15.0% |
| Shareholder equity | $371.58M | $328.59M | $289.59M | $260.64M | +13.1% |
| Net tangible assets | $359.60M | $316.68M | $277.56M | $248.48M | +13.6% |
| Shares issued | 9.49M | 9.43M | 9.42M | 9.37M | +0.6% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $50.32M | $44.24M | $37.03M | $40.86M | +13.7% |
| Depreciation & amortisation | $3.77M | $3.74M | $3.64M | $4.07M | +1.0% |
| Stock-based compensation | $2.80M | $2.79M | $2.98M | $2.58M | +0.5% |
| Change in working capital | -$3.15M | $1.71M | -$7.45M | -$4.93M | -283.8% |
| Operating cash flow | $61.70M | $57.49M | $52.29M | $38.65M | +7.3% |
| Capital expenditure | -$595.00K | -$223.00K | -$2.88M | -$3.22M | -166.8% |
| Investing cash flow | -$373.38M | -$328.47M | -$506.85M | -$245.27M | -13.7% |
| Share buybacks | -$1.39M | -$1.27M | -$2.97M | -$6.13M | -9.4% |
| Dividends paid | -$10.56M | -$9.20M | -$8.45M | -$7.37M | -14.9% |
| Financing cash flow | $193.47M | $289.17M | $491.38M | $252.19M | -33.1% |
| Free cash flow | $61.10M | $57.27M | $49.41M | $35.42M | +6.7% |
| End cash position | $39.48M | $157.70M | $139.51M | $102.68M | -75.0% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $46.71M | $44.29M | $42.22M | $44.53M | $41.04M | +5.5% |
| Operating revenue | $46.71M | $44.29M | $42.22M | $44.53M | $41.04M | +5.5% |
| Selling, general & admin | $20.12M | $20.16M | $18.89M | $19.14M | $18.43M | -0.2% |
| Pre-tax income | $16.80M | $14.38M | $16.24M | $17.39M | $13.37M | +16.8% |
| Tax provision | $1.22M | $2.18M | $2.90M | $2.99M | $1.95M | -44.2% |
| Net income | $15.58M | $12.20M | $13.33M | $14.39M | $11.42M | +27.7% |
| Net income to common | $15.36M | $11.76M | $12.88M | $13.92M | $11.20M | +30.6% |
| Basic EPS | 1.84 | 1.44 | 1.58 | 1.70 | 1.35 | +27.8% |
| Diluted EPS | 1.84 | 1.44 | 1.58 | 1.70 | 1.35 | +27.8% |
| Basic shares | 8.21M | 8.19M | 8.17M | 8.17M | 8.14M | +0.3% |
| Diluted shares | 8.21M | 8.19M | 8.17M | 8.17M | 8.14M | +0.3% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $163.36M | $137.13M | $39.48M | $44.35M | $123.21M | +19.1% |
| Accounts receivable | $12.78M | $13.23M | $13.10M | $13.73M | $13.10M | -3.4% |
| Property, plant & equipment | $9.12M | $9.55M | $9.99M | $10.51M | $10.78M | -4.6% |
| Goodwill & intangibles | $11.93M | $12.01M | $11.98M | $12.04M | $12.05M | -0.6% |
| Total assets | $4.41B | $4.32B | $4.08B | $4.03B | $4.00B | +2.1% |
| Current debt | $0 | $0 | $0 | $0 | $0 | — |
| Long-term debt | $346.79M | $303.45M | $252.05M | $266.68M | $276.13M | +14.3% |
| Total debt | $353.49M | $310.48M | $259.41M | $274.36M | $284.02M | +13.9% |
| Total liabilities | $4.01B | $3.94B | $3.71B | $3.68B | $3.66B | +1.9% |
| Retained earnings | $327.03M | $314.62M | $305.54M | $294.84M | $283.08M | +3.9% |
| Shareholder equity | $395.31M | $380.08M | $371.58M | $358.32M | $344.80M | +4.0% |
| Net tangible assets | $383.37M | $368.07M | $359.60M | $346.28M | $332.75M | +4.2% |
| Shares issued | 8.37M | 9.53M | 9.49M | 9.49M | 8.30M | -12.1% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $15.58M | $12.20M | $13.33M | $14.39M | $11.42M | +27.7% |
| Depreciation & amortisation | $968.00K | $929.00K | $950.00K | $1.00M | $950.00K | +4.2% |
| Stock-based compensation | $912.00K | $647.00K | $639.00K | $584.00K | $926.00K | +41.0% |
| Change in working capital | -$1.17M | -$10.73M | $4.88M | $1.38M | -$562.00K | +89.1% |
| Operating cash flow | $43.79M | $3.05M | $16.14M | $18.41M | $15.85M | +1,335.4% |
| Capital expenditure | -$164.00K | -$135.00K | -$39.00K | -$146.00K | -$330.00K | -21.5% |
| Investing cash flow | -$83.05M | -$138.50M | -$51.11M | -$113.05M | -$111.79M | +40.0% |
| Share buybacks | -$878.00K | -$811.00K | -$16.00K | -$11.00K | -$586.00K | -8.3% |
| Dividends paid | -$3.17M | -$3.12M | -$2.63M | -$2.63M | -$2.63M | -1.7% |
| Financing cash flow | $65.49M | $233.09M | $30.10M | $15.79M | $48.54M | -71.9% |
| Free cash flow | $43.63M | $2.92M | $16.10M | $18.26M | $15.52M | +1,396.2% |
| End cash position | $163.36M | $137.13M | $39.48M | $44.35M | $123.21M | +19.1% |
Options analytics
Put / call volume
—
—
Put / call open interest
0.00
Positioning, not flow
Max pain
60.00
-15.1% from spot
ATM implied vol
0.0%
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
60.00
1 contracts
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 1.56 | 1.84 | +18.1% |
| Mar 2026 | 1.42 | 1.44 | +1.7% |
| Dec 2025 | 1.39 | 1.58 | +13.5% |
| Sep 2025 | 1.39 | 1.70 | +22.7% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 1.67 | 5 | $46.88M | +5.8% |
| Next quarter | 1.68 | 5 | $47.45M | +12.4% |
| Current year | 6.55 | 5 | $185.35M | +10.1% |
| Next year | 6.95 | 5 | $198.57M | +7.1% |
Analyst targets & ownership
Mean target$78.60
High target$84.00
Low target$74.00
Implied upside11.16%
Analyst count5
ConsensusBUY
Strong buy / Buy3 / 2
Hold0
Sell / Strong sell0 / 0
Held by insiders4.84%
Held by institutions74.57%
Institutions holding199
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
69.90
+1.16% from price
SMA 20
70.82
-0.15% from price
SMA 50
70.66
+0.08% from price
SMA 100
65.81
+7.44% from price
SMA 200
60.91
+16.10% from price
EMA 12
70.32
+0.56% from price
EMA 26
70.41
+0.42% from price
EMA 50
69.48
+1.77% from price
RSI (14)
52.0
Neutral
MACD (12,26,9)
-0.10
Hist -0.07
ATR (14)
1.27
1.80% of price
Realised vol 30D
16.9%
Annualised
Bollinger upper
73.24
20, 2σ
Bollinger lower
68.39
20, 2σ
50 / 200 cross
Golden
70.66 vs 60.91
Trend bias
Above 200
+16.10%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.48
Less volatile than market
Correlation to SPY
0.26
Largely independent
Realised vol 30D
16.9%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-13.8%
Peak to trough
Max drawdown 5Y
-36.2%
Peak to trough
ATR 14
1.27
1.80% of price
Beta (reported)
0.67
5Y monthly, from filing
Short interest
Shares short
308.42K
Prior 222.05K
Change vs prior
+38.9%
Shorts adding
% of float
3.86%
Normal
% of shares out
3.69%
Against total outstanding
Days to cover
5.8
Crowded exit
Float
7.83M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Aug 3, 26 | DA Davidson | MAINTAINED | Buy | Buy |
| Aug 3, 26 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Aug 3, 26 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Apr 27, 26 | DA Davidson | MAINTAINED | Buy | Buy |
| Feb 3, 26 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Feb 2, 26 | DA Davidson | MAINTAINED | Buy | Buy |
| Feb 2, 26 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Nov 4, 25 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Jul 29, 25 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Apr 28, 25 | Raymond James | MAINTAINED | Outperform | Outperform |
| Apr 28, 25 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Apr 28, 25 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
Dividends & splits
Forward rate$1.36 / yr
Forward yield1.92%
5-year avg yield2.30%
Payout ratio19.24%
Ex-dividend dateAug 12, 2026
Next pay dateAug 26, 2026
Last split2:1
Split dateAug 31, 2015
SEC filings
Annual Report of Proxy Voting Record of Registered Management Investment Companies filed on Form N-PX
N-PX · 2026-08-21
Corporate Changes & Voting Matters
8-K · 2026-08-20
Periodic Financial Reports
10-Q · 2026-07-31
Corporate Changes & Voting Matters
8-K · 2026-07-30
Corporate Changes & Voting Matters
8-K · 2026-05-28
Corporate Changes & Voting Matters
8-K/A · 2026-05-11
Corporate Changes & Voting Matters
8-K · 2026-05-05
Corporate Changes & Voting Matters
8-K · 2026-04-29
Headlines
First Business Bank Announces Third Quarter 2026 Earnings Conference Call
Business Wire · 1d ago
FBIZ Q2 2026 Earnings Call Transcript
Motley Fool · 60d ago
Get Paid by September 1st with These 4 Dividend Stocks. But There’s a Catch.
24/7 Wall St. · 61d ago
All You Need to Know About First Business Financial Services (FBIZ) Rating Upgrade to Buy
Zacks · 64d ago
First Business Financial Services Inc (FBIZ) (Q2 2026) Earnings Call Highlights: Record EPS and ...
GuruFocus.com · 64d ago
First Business Financial Services Q2 Earnings Call Highlights
MarketBeat · 68d ago
First Business Financial Services, Inc. Q2 2026 Earnings Call Summary
Moby · 68d ago
First Business Financial Services (FBIZ) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates
Zacks · 68d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.