FBIZ — First Business Financial Services

✨ Hidden Gem

Stock analysis, trade plans, and proprietary indicators by Trend Edge.

Trend Edge Setup Score

Trend Edge rates FBIZ Bullish with a Setup Score of 54, net conviction 32, actionability 90. How the Setup Score works →

Total Setup Score54
Directional BiasBullish
Net Conviction32
Actionability90 (in range)

Key signals behind this score

About First Business Financial Services

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 commercial real estate lending, commercial and industrial lending, asset-based lending, accounts receivable financing, equipm… Read full Trend Edge analysis →

Trend Edge Proprietary Indicators

Key Metrics

Current Price$69.36
Market Cap$591M
Float7.8M
Shares Outstanding8.4M
P/E (Forward)8.96
P/E (TTM)10.78
Price/Sales (TTM)3.49
vs. Analyst Target+13.3% to analyst PT
Profit Margin32.76%
Operating Margin (TTM)39.46%
Revenue (TTM)$169M
Earnings Growth (YoY)36.30%
Dividend Rate1.4%
Analyst Target Price$78.60 (5 analysts)

Financial History

Annual Revenue & Earnings History

YearRevenueNet IncomeGross ProfitEBITDA
2020 $119M $17.0M $84.8M $21.8M
2021 $124M $35.8M $119M $50.6M
2022 $151M $40.9M $132M $56.3M
2023 $89.2M $17.3M $89.2M $22.6M
2024 $262M $44.2M $145M $54.9M
2025 $279M $50.3M $160M $64.2M

Recent Quarterly Revenue & Net Income

QuarterRevenueNet Income
Sep 2025 $73.4M $14.4M
Dec 2025 $70.2M $13.3M
Mar 2026 $70.7M $12.2M
Jun 2026 $73.6M $15.6M

Ownership & Float

Insider Ownership4.8%
Institutional Ownership74.6%
Short Float3.4%
% of All Funds Holding1.61%
Number of Funds Holding142

Current Moving Averages

Trend Edge tracks near-term, medium-term, cyclical, and secular moving averages across weekly and monthly timeframes to identify trend structure at every horizon.

TimeframeSMAValueTrend Context
Weekly10-Week SMA$70.93Near-term / short-term trend
Weekly40-Week SMA$61.49Medium-term trend
Weekly80-Week SMA$56.01Cyclical trend (business cycle)
Weekly200-Week SMA$44.88Secular trend (multi-year)
Monthly10-Month SMA$62.10Near-term monthly trend
Monthly20-Month SMA$56.20Medium-term monthly trend
Monthly40-Month SMA$48.00Secular monthly trend

Volume Shelves — Support & Resistance

Trend Edge identifies volume shelves: price zones where historically elevated trading volume creates structural support or resistance. A volume shelf forms when a disproportionate share of cumulative volume was transacted at a specific price level, making it a high-conviction anchor for future price reactions.

Price LevelTypeVolume RatioAge
$66.00 support 1.87x 2 months ago
$57.00 support 1.50x 3 months ago
$47.00 support 1.34x 20 months ago
$43.00 support 1.65x 22 months ago

Historical Earnings Reactions (82 events)

TimeframeAvg ReturnMedianWin RateBestWorst
Gap 0.22% 0.03% 51.22% 9.33% -13.04%
1 Day 0.82% 0.20% 50.00% 18.03% -13.34%
1 Week 1.17% 0.40% 52.44% 18.34% -16.27%
2 Weeks 1.26% 1.16% 56.10% 26.83% -15.37%
1 Month 2.09% 0.91% 53.09% 36.59% -19.29%

Next earnings: October 29, 2026 (18 days away)

Seasonality & Day-of-Week Patterns

Monthly Seasonality

MonthAvg ReturnWin RateSamples
Jan1.0%52.4%21
Feb1.1%52.4%21
Mar-1.4%52.4%21
Apr3.5%71.4%21
May-0.4%47.6%21
Jun1.3%61.9%21
Jul-0.6%38.1%21
Aug0.6%47.6%21
Sep1.3%47.6%21
Oct1.7%60.0%20
Nov5.3%75.0%20
Dec-0.9%38.1%21

Day-of-Week Tendencies

DayAvg ReturnWin RateSamples
Monday 0.03% 40.9% 985
Tuesday 0.02% 39.9% 1079
Wednesday 0.13% 42.1% 1079
Thursday 0.02% 43.0% 1059
Friday 0.09% 44.9% 1054

Top Institutional Holders

Institutional holder breakdown coming soon.

Total institutional ownership: 74.6%

Insider Transactions — Smart Summary

Total insider ownership: 4.8%

12-Month Insider Activity Summary

Total Filings2
Net Value-$43,731.888
Net Shares Change-604
% of Float-0.0%
C-Suite Filings2
Clusters Detected0

Key Insiders

NameTitleNet ValueFilingsActivity
Chandler Jodi A Chief Human Resources Officer -$47,381.288 1 1 sell
Crampton Kevin D Chief Accounting Officer +$3,649.4 1 1 buy

Significant Filings

DateInsiderTitleNet ValuePrice After
2026-08-28 Chandler Jodi A Chief Human Resources Officer -$47,381.288 Transaction at $70.19, now -1.2%
2025-11-10 Crampton Kevin D Chief Accounting Officer +$3,649.4 Transaction at $51.40, now +34.9%

View full insider transaction history on Trend Edge →

AI Consult Analysis

Trend Edge's AI Consult feature delivers a comprehensive, multi-layer trade plan for First Business Financial Services (FBIZ) powered by Claude Opus — Anthropic's most capable AI model. The analysis covers five layers: technical analysis (near-term, medium-term, cyclical, and secular trend, momentum, volume shelf support and resistance, breakout and breakdown signals), qualitative analysis (business model, competitive moat, sector dynamics), insider sentiment (buy and sell signals from executive and director transactions), share stats analysis (institutional accumulation, fund positioning, short float squeeze potential), and fundamental analysis (valuation, revenue growth, profit margin, earnings quality).

AI Consult synthesizes all five layers into a single bullish or bearish thesis with explicit entry, exit, stop loss, and take profit levels — giving you a complete, AI-powered trade plan with defined risk/reward. Whether you are building a long position, initiating a short, or looking for a reversal setup, AI Consult identifies the highest-probability signal from the current trend.

Get the full AI Consult analysis for FBIZ on Trend Edge →