FBIZ
First Business Financial ServicesBNasdaq / Banks
Last Price
At close
2026-07-22
Current thesis
Improving net interest margin, stable credit performance, and positive analyst revisions drive the stock toward the high-end of consensus; capital returns accelerate re-rating.
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -0.7.
What can break
Concentrated loan portfolio leading to higher-than-expected credit losses
Momentum
66
Value
61
Sentiment
48
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $61.00 · Bull $68.00 · Bear $48.72
Data freshness
Prices
As of 2026-07-22
Fundamentals
As of 2026-07-22 • Vendor: Data Vendor v1
Scores
As of 2026-07-22 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-30 • Model: RankAlpha Sentiment AI
Investment thesisAs of 2026-07-22
Investment thesis
As of 2026-07-22
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $67.20
Why
Momentum66 · Δ7d +3.5
Value61 · Δ7d -0.7
Sentiment48 · Δ7d -4.7
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Value · See fundamentals
Momentum
66
26% active weight
Current posture
7d trendSoftening
Δ7d
+3.5
Δ21d
-
Value
61
39% active weight
Current posture
7d trendFlat
Δ7d
-0.7
Δ21d
-0.7
Sentiment
48
34% active weight
Current posture
7d trendSoftening
Δ7d
-4.7
Δ21d
-
Why this grade
Composite grade B. Momentum 65.7 / Value 61.1 / Sentiment 48.0
Fundamentals (TTM)As of 2026-07-22
Fundamentals (TTM)
As of 2026-07-22
Market Cap
$553.07M
Beta
0.75
Shares Out
8.36M
P/E (TTM)
9.0
P/S (TTM)
2.72
P/FCF (TTM)
8.03
Rev YoY
+5.3%
EPS YoY
+9.0%
Gross Margin
-
Op Margin
+35.5%
Net Debt
$220.94M
Current Ratio
0.06
As of 2026-07-22 • Updated nightlySource: Internal modelMethodology