First Business Financial Services, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from First Business Financial Services, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Tangible Assets Ratio: Of every $100 the company owns, $100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles. More tangible than 86% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 2/3Sales grew in 3 of the last 3 years; profit grew in 2 of 3.
Steadier than 79% of Financial Services companies in United States.
Growth Efficiency Ratio
$23Sales grew 32% in 3 years; of every extra $100 of sales, $23 became extra profit.
Higher than 50% of Financial Services companies in United States.
Asset Productivity Ratio
+32% / +37%In 3 years sales changed by +32% while total assets changed by +37%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
100%Of every $100 the company owns, $100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 86% of Financial Services companies in United States.
Tangible Net Worth Ratio
97%Of every $100 of net worth, $97 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 82% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
First Business Financial Services, Inc. owes $0.91 for every $1 it owns. Net profit rose 14% in the year to Dec 2025, and grew 7% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
11.1Investors pay $11.1 for every $1 of First Business Financial Services, Inc.'s yearly profit, lower than 69% of Financial Services companies in United States.
P/B ratio
1.53The share price is 1.53 times First Business Financial Services, Inc.'s book value per share, higher than 69% of Financial Services companies in United States.
Market cap
$606 MThe total market value of all of First Business Financial Services, Inc.'s shares at today's price (share price × number of shares), smaller than 53% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$395 MWhat First Business Financial Services, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$47.24Net worth divided by the number of shares. The share price of $72.43 is 1.5 times this, which is the P/B above.
Return on equity (ROE)
15.0%First Business Financial Services, Inc. earned 15.0% on its shareholders' money over the last year, higher than 76% of Financial Services companies in United States.
Owes vs Owns
0.91×First Business Financial Services, Inc. owes $0.91 for every $1 it owns (high), higher than 87% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
1.88%First Business Financial Services, Inc. pays 1.88% of its share price as dividends a year, lower than 74% of dividend-paying Financial Services companies in United States.
Revenue growth
+10%Revenue rose 10% in the year to Dec 2025, and grew 10% a year on average over 3 years.
Profit growth
+14%Net profit rose 14% in the year to Dec 2025, and grew 7% a year on average over 3 years.
Profit margin
29.8%First Business Financial Services, Inc. keeps $30 of every $100 of revenue as net profit.
Questions
What is First Business Financial Services, Inc.'s P/E ratio?
Investors pay $11.1 for every $1 of First Business Financial Services, Inc.'s yearly profit, lower than 69% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For First Business Financial Services, Inc.: $606 M ÷ $395 M (30 Jun 2026) = 1.5.
What is First Business Financial Services, Inc.'s return on equity?
First Business Financial Services, Inc. earned 15.0% on its shareholders' money over the last year, higher than 76% of Financial Services companies in United States.
How much does First Business Financial Services, Inc. owe compared with what it owns?
First Business Financial Services, Inc. owes $0.91 for every $1 it owns (high), higher than 87% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does First Business Financial Services, Inc. pay a dividend?
Yes. First Business Financial Services, Inc. pays 1.88% of its share price as dividends a year, lower than 74% of dividend-paying Financial Services companies in United States.
Is First Business Financial Services, Inc.'s revenue growing?
Revenue rose 10% in the year to Dec 2025, and grew 10% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.