25 XP   0   0   10

First Business Financial Services
Buy, Hold or Sell?

Let's analyse First Business Financial Services together

PenkeI guess you are interested in First Business Financial Services. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of First Business Financial Services. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

Get notifications about First Business Financial Services

I send you an email if I find something interesting about First Business Financial Services.

Quick analysis of First Business Financial Services (30 sec.)










What can you expect buying and holding a share of First Business Financial Services? (30 sec.)

How much money do you get?

How much money do you get?
$0.79
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
$34.83
Expected worth in 1 year
$38.28
How sure are you?
100.0%

+ What do you gain per year?

Total Gains per Share
$4.24
Return On Investment
11.6%

For what price can you sell your share?

Current Price per Share
$36.67
Expected price per share
$33.20 - $40.73
How sure are you?
50%

1. Valuation of First Business Financial Services (5 min.)




Live pricePrice per Share (EOD)

$36.67

Intrinsic Value Per Share

$-18.11 - $63.50

Total Value Per Share

$16.72 - $98.33

2. Growth of First Business Financial Services (5 min.)




Is First Business Financial Services growing?

Current yearPrevious yearGrowGrow %
How rich?$289.5m$252.1m$25.2m9.1%

How much money is First Business Financial Services making?

Current yearPrevious yearGrowGrow %
Making money$9.2m$10.2m-$957.7k-10.3%
Net Profit Margin23.9%253,924.6%--

How much money comes from the company's main activities?

3. Financial Health of First Business Financial Services (5 min.)




4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

What can you expect buying and holding a share of First Business Financial Services? (5 min.)

Welcome investor! First Business Financial Services's management wants to use your money to grow the business. In return you get a share of First Business Financial Services.

What can you expect buying and holding a share of First Business Financial Services?

First you should know what it really means to hold a share of First Business Financial Services. And how you can make/lose money.

Speculation

The Price per Share of First Business Financial Services is $36.67. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of First Business Financial Services.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in First Business Financial Services, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $34.83. Based on the TTM, the Book Value Change Per Share is $0.86 per quarter. Based on the YOY, the Book Value Change Per Share is $0.85 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $0.20 per quarter.
Based on historical numbers we can estimate the returns while holding a share of First Business Financial Services.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 $% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share
Usd Eps1.183.2%1.103.0%1.203.3%0.942.6%0.691.9%
Usd Book Value Change Per Share1.032.8%0.862.4%0.852.3%0.701.9%0.541.5%
Usd Dividend Per Share0.250.7%0.200.5%0.220.6%0.180.5%0.150.4%
Usd Total Gains Per Share1.283.5%1.062.9%1.072.9%0.882.4%0.701.9%
Usd Price Per Share40.10-32.53-33.22-26.56-28.43-
Price to Earnings Ratio8.53-7.39-6.98-7.41-12.80-
Price-to-Total Gains Ratio31.27-30.65-35.76-31.85-55.65-
Price to Book Ratio1.15-0.97-1.09-0.96-1.37-
Price-to-Total Gains Ratio31.27-30.65-35.76-31.85-55.65-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share36.67
Number of shares27
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.200.18
Usd Book Value Change Per Share0.860.70
Usd Total Gains Per Share1.060.88
Gains per Quarter (27 shares)28.6223.85
Gains per Year (27 shares)114.4895.39
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
12193104207585
24318621840151180
36427933260226275
48537344680302370
5107466560100377465
6128559674120453560
7149652788140528655
8171745902160603750
91928381016180679845
102139321130200754940

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share4.00.00.0100.0%12.00.00.0100.0%20.00.00.0100.0%40.00.00.0100.0%77.03.00.096.3%
Book Value Change Per Share4.00.00.0100.0%12.00.00.0100.0%20.00.00.0100.0%40.00.00.0100.0%73.04.03.091.3%
Dividend per Share4.00.00.0100.0%12.00.00.0100.0%20.00.00.0100.0%40.00.00.0100.0%77.00.03.096.3%
Total Gains per Share4.00.00.0100.0%12.00.00.0100.0%20.00.00.0100.0%40.00.00.0100.0%76.02.02.095.0%

Fundamentals of First Business Financial Services

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 real estate lending, commercial and industrial lending, asset-based lending, accounts receivable financing, equipment financing loans and leases, floorplan financing, vendor financing, small business administration lending and servicing, treasury management solutions, and company retirement services. It also provides private wealth management for individuals, including creating and executing asset allocation strategies, trust and estate administration, financial planning, investment management, and access to brokerage and custody-only services. In addition, the company offers bank consulting consisting of investment portfolio administrative and asset liability management services, and commercial deposit accounts. The company was founded in 1909 and is headquartered in Madison, Wisconsin.

Fundamental data was last updated by Penke on 2024-03-20 16:56:05.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating very efficient.
The company is very efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is very able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is cheap.
Based on how much money comes from the company's main activities, the company is cheap.

1.1. Profitability of First Business Financial Services.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit First Business Financial Services earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare First Business Financial Services to the Banks - Regional industry mean.
  • A Net Profit Margin of 26.7% means that $0.27 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of First Business Financial Services:

  • The MRQ is 26.7%. The company is making a huge profit. +2
  • The TTM is 23.9%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ26.7%TTM23.9%+2.8%
TTM23.9%YOY253,924.6%-253,900.8%
TTM23.9%5Y50,804.6%-50,780.8%
5Y50,804.6%10Y25,412.5%+25,392.1%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ26.7%18.4%+8.3%
TTM23.9%28.0%-4.1%
YOY253,924.6%25.2%+253,899.4%
5Y50,804.6%22.8%+50,781.8%
10Y25,412.5%19.8%+25,392.7%
1.1.2. Return on Assets

Shows how efficient First Business Financial Services is using its assets to generate profit.

  • Above 5% is considered healthy but always compare First Business Financial Services to the Banks - Regional industry mean.
  • 0.3% Return on Assets means that First Business Financial Services generated $0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of First Business Financial Services:

  • The MRQ is 0.3%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.3%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.3%TTM0.3%+0.0%
TTM0.3%YOY0.4%-0.1%
TTM0.3%5Y0.3%0.0%
5Y0.3%10Y0.3%+0.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.3%0.1%+0.2%
TTM0.3%0.2%+0.1%
YOY0.4%0.2%+0.2%
5Y0.3%0.2%+0.1%
10Y0.3%0.2%+0.1%
1.1.3. Return on Equity

Shows how efficient First Business Financial Services is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare First Business Financial Services to the Banks - Regional industry mean.
  • 3.4% Return on Equity means First Business Financial Services generated $0.03 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of First Business Financial Services:

  • The MRQ is 3.4%. Using its investors money, the company is inefficient in making profit. -1
  • The TTM is 3.3%. Using its investors money, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ3.4%TTM3.3%+0.0%
TTM3.3%YOY4.0%-0.7%
TTM3.3%5Y3.3%+0.0%
5Y3.3%10Y2.9%+0.4%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ3.4%1.4%+2.0%
TTM3.3%2.5%+0.8%
YOY4.0%2.7%+1.3%
5Y3.3%2.5%+0.8%
10Y2.9%2.8%+0.1%

1.2. Operating Efficiency of First Business Financial Services.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient First Business Financial Services is operating .

  • Measures how much profit First Business Financial Services makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare First Business Financial Services to the Banks - Regional industry mean.
  • An Operating Margin of 0.0% means the company generated $0.00  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of First Business Financial Services:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM26.4%-26.4%
TTM26.4%YOY585,616.4%-585,590.0%
TTM26.4%5Y117,158.6%-117,132.2%
5Y117,158.6%10Y58,603.2%+58,555.4%
1.2.2. Operating Ratio

Measures how efficient First Business Financial Services is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 0.00 means that the operating costs are $0.00 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of First Business Financial Services:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM0.251-0.251
TTM0.251YOY12,247.371-12,247.120
TTM0.2515Y2,450.026-2,449.775
5Y2,450.02610Y1,225.575+1,224.452

1.3. Liquidity of First Business Financial Services.

1.3. Liquidity
1.3.1. Current Ratio

Measures if First Business Financial Services is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 0.00 means the company has $0.00 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of First Business Financial Services:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM65.305-65.305
TTM65.305YOY131.543-66.238
TTM65.3055Y96.873-31.568
5Y96.87310Y122.272-25.399
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM65.3050.124+65.181
YOY131.5430.225+131.318
5Y96.8730.219+96.654
10Y122.2720.131+122.141
1.3.2. Quick Ratio

Measures if First Business Financial Services is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare First Business Financial Services to the Banks - Regional industry mean.
  • A Quick Ratio of 0.00 means the company can pay off $0.00 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of First Business Financial Services:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM13.456-13.456
TTM13.456YOY43.390-29.934
TTM13.4565Y24.889-11.433
5Y24.88910Y33.661-8.772

1.4. Solvency of First Business Financial Services.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of First Business Financial Services assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare First Business Financial Services to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.92 means that First Business Financial Services assets are financed with 91.7% credit (debt) and the remaining percentage (100% - 91.7%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of First Business Financial Services:

  • The MRQ is 0.917. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.917. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.917TTM0.917+0.001
TTM0.917YOY0.911+0.006
TTM0.9175Y0.914+0.003
5Y0.91410Y0.913+0.002
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9170.915+0.002
TTM0.9170.9170.000
YOY0.9110.919-0.008
5Y0.9140.919-0.005
10Y0.9130.927-0.014
1.4.2. Debt to Equity Ratio

Measures if First Business Financial Services is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare First Business Financial Services to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 1,111.3% means that company has $11.11 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of First Business Financial Services:

  • The MRQ is 11.113. The company is unable to pay all its debts with equity. -1
  • The TTM is 11.035. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ11.113TTM11.035+0.078
TTM11.035YOY10.229+0.806
TTM11.0355Y10.690+0.345
5Y10.69010Y10.476+0.214
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ11.11310.829+0.284
TTM11.03511.013+0.022
YOY10.22911.363-1.134
5Y10.69011.437-0.747
10Y10.47613.038-2.562

2. Market Valuation of First Business Financial Services

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings First Business Financial Services generates.

  • Above 15 is considered overpriced but always compare First Business Financial Services to the Banks - Regional industry mean.
  • A PE ratio of 8.53 means the investor is paying $8.53 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of First Business Financial Services:

  • The EOD is 7.802. Based on the earnings, the company is underpriced. +1
  • The MRQ is 8.532. Based on the earnings, the company is underpriced. +1
  • The TTM is 7.394. Based on the earnings, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD7.802MRQ8.532-0.730
MRQ8.532TTM7.394+1.138
TTM7.394YOY6.976+0.419
TTM7.3945Y7.410-0.016
5Y7.41010Y12.801-5.390
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD7.8027.398+0.404
MRQ8.5326.680+1.852
TTM7.3945.295+2.099
YOY6.9766.943+0.033
5Y7.4109.770-2.360
10Y12.8019.943+2.858
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of First Business Financial Services:

  • The EOD is 5.853. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 6.400. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is 5.149. Based on how much money comes from the company's main activities, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD5.853MRQ6.400-0.547
MRQ6.400TTM5.149+1.251
TTM5.149YOY13.988-8.839
TTM5.1495Y78.266-73.116
5Y78.26610Y46.428+31.837
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD5.853-2.069+7.922
MRQ6.400-1.868+8.268
TTM5.149-0.342+5.491
YOY13.9886.448+7.540
5Y78.2660.429+77.837
10Y46.4280.091+46.337
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of First Business Financial Services is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 1.15 means the investor is paying $1.15 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of First Business Financial Services:

  • The EOD is 1.053. Based on the equity, the company is underpriced. +1
  • The MRQ is 1.151. Based on the equity, the company is underpriced. +1
  • The TTM is 0.972. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD1.053MRQ1.151-0.098
MRQ1.151TTM0.972+0.179
TTM0.972YOY1.094-0.122
TTM0.9725Y0.965+0.007
5Y0.96510Y1.371-0.406
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD1.0530.427+0.626
MRQ1.1510.386+0.765
TTM0.9720.470+0.502
YOY1.0940.642+0.452
5Y0.9650.795+0.170
10Y1.3711.025+0.346
2. Total Gains per Share

3. Holders & Insider Transactions

Let's take a look at which institutions, funds and insiders are holding shares of First Business Financial Services.

3.1. Institutions holding First Business Financial Services

Institutions are holding 65.899% of the shares of First Business Financial Services.

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2023-09-30BlackRock Inc7.67530.0006638185-18048-2.7502
2023-12-31Dimensional Fund Advisors, Inc.6.32230.0062525683-406-0.0772
2023-12-31Banc Funds Co LLC5.51661.813145869400
2023-09-30Vanguard Group Inc4.20950.000335000851671.4984
2023-12-31First Business Financial Services Inc4.20361.6295349522-6030-1.696
2023-09-30Manufacturers Life Insurance Co3.59890.0052299237-9756-3.1574
2023-12-31M3F, Inc.2.6382.7929219341-35955-14.0837
2023-12-31Pacific Ridge Capital Partners, LLC2.00861.3602167009-2125-1.2564
2023-09-30Geode Capital Management, LLC1.83140.000515228092116.4382
2023-09-30Cutler Capital Management1.83012.05981521707540.498
2023-12-31Renaissance Technologies Corp1.8290.0094152077-888-0.5805
2023-12-31Franklin Resources Inc1.57340.0025130824360.0275
2023-09-30AllianceBernstein L.P.1.52980.0016127200-4923-3.7261
2023-09-30State Street Corporation1.3960.0002116076-100-0.0861
2023-12-31LSV Asset Management1.31360.009610922500
2023-09-30Northern Trust Corp1.2030.000610002514121.4319
2023-09-30RIVER OAKS CAPITAL LLC1.13774.180294600-2583-2.6579
2023-09-30Hotchkis & Wiley Capital Management LLC1.03270.00988586918002.1411
2023-12-31Bridgeway Capital Management, LLC1.00450.07188352633684.2017
2023-12-31American Century Companies Inc0.79520.001866116210.0318
Total 52.649213.95584377667-59045-1.3%

3.2. Funds holding First Business Financial Services

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2024-02-29iShares Russell 2000 ETF2.55760.012212446-35-0.0165
2024-01-31Vanguard Total Stock Mkt Idx Inv2.52830.000521001600
2024-01-31JHancock Regional Bank A1.86950.7179155290-4980-3.1073
2024-01-31DFA US Small Cap Value I1.64570.033213670400
2024-01-31Franklin MicroCap Value A1.57112.332913050000
2023-09-30Pacific Ridge Capital Ptnrs Micro Cp Val1.17631.439897713-6975-6.6627
2024-01-31Vanguard Institutional Extnd Mkt Idx Tr1.16120.00379645600
2023-12-31JH Financial Opportunities1.10590.50759185800
2024-01-31DFA US Targeted Value I0.98560.02338186600
2024-02-01iShares Russell 2000 Value ETF0.9150.02376007960.1265
2023-12-31Fidelity Small Cap Index0.90950.0119755502720.3613
2024-02-29Avantis US Small Cap Value ETF0.72180.02055995700
2024-01-31DFA US Small Cap I0.68960.01435727900
2024-01-31Adara Smaller Companies0.650.39425398900
2024-01-31DFA US Micro Cap I0.58590.02634867100
2024-01-31BlackRock Advantage Small Cap Core Instl0.56680.04854708100
2024-02-29VT De Lisle America B USD0.56090.38624659100
2023-12-31Bridgeway Omni Small-Cap Value0.54660.14184540000
2023-09-30Bridgeway Omni Small-Cap Value N0.54660.11954540000
2024-02-29Dimensional US Targeted Value ETF0.50350.01554182600
Total 21.79746.27251810600-11622-0.6%

3.3. Insider Transactions

Insiders are holding 5.881% of the shares of First Business Financial Services.

DateOwnerTypeAmountPricePost Transaction AmountLink
2024-01-30Carol P SandersBUY15638.37
2023-10-31Carol P SandersBUY19331.08
2023-08-29Jodi A ChandlerSELL660431.83
2023-08-01Carol P SandersBUY17733.9
2023-06-15Gerald L KilcoyneBUY600030.55
2023-05-05Carla C ChavarriaBUY100026
2023-03-23John J HarrisBUY100030.73

4. Summary

4.1. Key Performance Indicators

The key performance indicators of First Business Financial Services compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--1.0280.863+19%0.849+21%0.698+47%0.542+90%
Book Value Per Share--34.82833.386+4%30.356+15%27.302+28%22.636+54%
Current Ratio---65.305-100%131.543-100%96.873-100%122.272-100%
Debt To Asset Ratio--0.9170.917+0%0.911+1%0.914+0%0.913+1%
Debt To Equity Ratio--11.11311.035+1%10.229+9%10.690+4%10.476+6%
Dividend Per Share--0.2540.197+29%0.222+14%0.185+37%0.153+65%
Eps--1.1751.101+7%1.201-2%0.944+24%0.688+71%
Free Cash Flow Per Share--1.5661.890-17%1.066+47%1.130+39%0.864+81%
Free Cash Flow To Equity Per Share--14.16013.063+8%8.656+64%8.296+71%6.248+127%
Gross Profit Margin--1.0000.940+6%0.942+6%0.926+8%0.886+13%
Intrinsic Value_10Y_max--63.505--------
Intrinsic Value_10Y_min---18.105--------
Intrinsic Value_1Y_max--5.515--------
Intrinsic Value_1Y_min--2.578--------
Intrinsic Value_3Y_max--17.217--------
Intrinsic Value_3Y_min--3.987--------
Intrinsic Value_5Y_max--29.699--------
Intrinsic Value_5Y_min--1.266--------
Market Cap304600821.800-9%333422597.800270273565.800+23%275901726.100+21%222289459.733+50%239925766.134+39%
Net Profit Margin--0.2670.239+12%2539.246-100%508.046-100%254.125-100%
Operating Margin---0.264-100%5856.164-100%1171.586-100%586.032-100%
Operating Ratio---0.251-100%12247.371-100%2450.026-100%1225.575-100%
Pb Ratio1.053-9%1.1510.972+18%1.094+5%0.965+19%1.371-16%
Pe Ratio7.802-9%8.5327.394+15%6.976+22%7.410+15%12.801-33%
Price Per Share36.670-9%40.10032.528+23%33.215+21%26.562+51%28.432+41%
Price To Free Cash Flow Ratio5.853-9%6.4005.149+24%13.988-54%78.266-92%46.428-86%
Price To Total Gains Ratio28.598-9%31.27330.648+2%35.758-13%31.852-2%55.655-44%
Quick Ratio---13.456-100%43.390-100%24.889-100%33.661-100%
Return On Assets--0.0030.003+1%0.004-23%0.003-2%0.003+11%
Return On Equity--0.0340.033+1%0.040-17%0.033+2%0.029+17%
Total Gains Per Share--1.2821.060+21%1.071+20%0.883+45%0.695+84%
Usd Book Value--289588000.000277389750.000+4%252154500.000+15%228544550.000+27%191086275.000+52%
Usd Book Value Change Per Share--1.0280.863+19%0.849+21%0.698+47%0.542+90%
Usd Book Value Per Share--34.82833.386+4%30.356+15%27.302+28%22.636+54%
Usd Dividend Per Share--0.2540.197+29%0.222+14%0.185+37%0.153+65%
Usd Eps--1.1751.101+7%1.201-2%0.944+24%0.688+71%
Usd Free Cash Flow--13024000.00015706500.000-17%8855500.000+47%9449000.000+38%7289100.000+79%
Usd Free Cash Flow Per Share--1.5661.890-17%1.066+47%1.130+39%0.864+81%
Usd Free Cash Flow To Equity Per Share--14.16013.063+8%8.656+64%8.296+71%6.248+127%
Usd Market Cap304600821.800-9%333422597.800270273565.800+23%275901726.100+21%222289459.733+50%239925766.134+39%
Usd Price Per Share36.670-9%40.10032.528+23%33.215+21%26.562+51%28.432+41%
Usd Profit--9770000.0009256750.000+6%10214500.000-4%7697100.000+27%5689325.000+72%
Usd Revenue--36633000.00039452500.000-7%23356500.000+57%27739950.000+32%23060725.000+59%
Usd Total Gains Per Share--1.2821.060+21%1.071+20%0.883+45%0.695+84%
 EOD+4 -4MRQTTM+23 -13YOY+21 -155Y+25 -1110Y+28 -8

4.2. Fundamental Score

Let's check the fundamental score of First Business Financial Services based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-157.802
Price to Book Ratio (EOD)Between0-11.053
Net Profit Margin (MRQ)Greater than00.267
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than10.000
Current Ratio (MRQ)Greater than10.000
Debt to Asset Ratio (MRQ)Less than10.917
Debt to Equity Ratio (MRQ)Less than111.113
Return on Equity (MRQ)Greater than0.150.034
Return on Assets (MRQ)Greater than0.050.003
Total3/10 (30.0%)

4.3. Technical Score

Let's check the technical score of First Business Financial Services based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5059.197
Ma 20Greater thanMa 5034.664
Ma 50Greater thanMa 10035.544
Ma 100Greater thanMa 20035.848
OpenGreater thanClose36.030
Total2/5 (40.0%)



Latest Balance Sheet

Balance Sheet of 2023-12-31. Currency in USD. All numbers in thousands.

Summary
Total Assets3,507,846
Total Liabilities3,218,258
Total Stockholder Equity289,588
 As reported
Total Liabilities 3,218,258
Total Stockholder Equity+ 289,588
Total Assets = 3,507,846

Assets

Total Assets3,507,846
Total Current Assets0
Long-term Assets0
Total Current Assets
Cash And Cash Equivalents 139,510
Short-term Investments 297,006
Net Receivables 13,275
Total Current Assets  (as reported)0
Total Current Assets  (calculated)449,791
+/- 449,791
Long-term Assets
Property Plant Equipment 12,749
Goodwill 10,700
Long Term Investments 356,232
Intangible Assets 1,323
Long-term Assets  (as reported)0
Long-term Assets  (calculated)381,004
+/- 381,004

Liabilities & Shareholders' Equity

Total Current Liabilities0
Long-term Liabilities0
Total Stockholder Equity289,588
Total Current Liabilities
Total Current Liabilities  (as reported)0
Total Current Liabilities  (calculated)0
+/-0
Long-term Liabilities
Long-term Liabilities  (as reported)0
Long-term Liabilities  (calculated)0
+/-0
Total Stockholder Equity
Retained Earnings 230,728
Total Stockholder Equity (as reported)289,588
Total Stockholder Equity (calculated)230,728
+/- 58,860
Other
Capital Stock12,087
Common Stock Shares Outstanding 8,315
Net Debt 191,406
Net Invested Capital 608,512
Property Plant and Equipment Gross 21,477



Balance Sheet

Currency in USD. All numbers in thousands.

 Trend2023-12-312023-09-302023-06-302023-03-312022-12-312022-09-302022-06-302022-03-312021-12-312021-09-302021-06-302021-03-312020-12-312020-09-302020-06-302020-03-312019-12-312019-09-302019-06-302019-03-312018-12-312018-09-302018-06-302018-03-312017-12-312017-09-302017-06-302017-03-312016-12-312016-09-302016-06-302016-03-312015-12-312015-09-302015-06-302015-03-312014-12-312014-09-302014-06-302014-03-312013-12-312013-09-302013-06-302013-03-312012-12-312012-09-302012-06-302012-03-312011-12-312011-09-302011-06-302011-03-312010-12-312010-09-302010-06-302010-03-312009-12-312009-09-302009-06-302009-03-312008-12-312008-09-302008-06-302008-03-312007-12-312007-09-302007-06-302007-03-312006-12-312006-09-302006-06-302006-03-312005-12-312005-09-302005-06-302005-03-312004-12-312004-09-302004-06-302004-03-31
> Total Assets 
0
0
0
562,951
597,602
604,839
628,908
669,235
671,091
678,057
719,805
788,323
800,962
839,300
887,667
918,438
958,459
981,943
998,387
1,010,786
1,026,045
1,055,504
1,073,653
1,117,436
1,101,782
1,073,939
1,122,814
1,107,057
1,112,865
1,096,377
1,135,599
1,177,165
1,162,045
1,160,026
1,192,135
1,226,108
1,220,287
1,276,069
1,264,939
1,268,655
1,273,772
1,306,503
1,427,567
1,629,387
1,680,677
1,683,564
1,744,153
1,783,636
1,790,132
1,819,069
1,772,438
1,780,699
1,800,590
1,768,928
1,785,656
1,794,066
1,878,217
1,899,787
1,894,330
1,966,457
2,005,642
2,070,304
2,092,793
2,096,779
2,196,374
2,468,814
2,601,847
2,567,837
2,620,718
2,865,669
2,584,410
2,652,905
2,724,082
2,777,016
2,850,802
2,976,611
3,164,411
3,265,738
3,418,850
3,507,846
3,507,8463,418,8503,265,7383,164,4112,976,6112,850,8022,777,0162,724,0822,652,9052,584,4102,865,6692,620,7182,567,8372,601,8472,468,8142,196,3742,096,7792,092,7932,070,3042,005,6421,966,4571,894,3301,899,7871,878,2171,794,0661,785,6561,768,9281,800,5901,780,6991,772,4381,819,0691,790,1321,783,6361,744,1531,683,5641,680,6771,629,3871,427,5671,306,5031,273,7721,268,6551,264,9391,276,0691,220,2871,226,1081,192,1351,160,0261,162,0451,177,1651,135,5991,096,3771,112,8651,107,0571,122,8141,073,9391,101,7821,117,4361,073,6531,055,5041,026,0451,010,786998,387981,943958,459918,438887,667839,300800,962788,323719,805678,057671,091669,235628,908604,839597,602562,951000
   > Total Current Assets 
0
0
0
492,363
0
510,948
528,727
570,158
567,011
577,806
615,100
684,201
701,330
745,151
790,555
816,524
853,877
873,569
884,463
892,903
898,896
888,278
949,169
887,050
886,958
878,492
915,558
911,303
79,198
887,632
927,124
966,780
952,648
926,080
951,328
982,146
976,361
1,039,291
1,037,274
1,048,336
1,047,614
1,079,698
1,202,384
1,416,231
1,481,233
1,481,663
1,545,927
1,577,007
1,596,350
1,628,318
1,554,493
1,567,528
1,586,309
1,566,160
1,587,075
1,602,147
1,679,584
1,695,051
1,691,745
1,762,814
1,777,420
1,840,542
1,863,567
1,856,983
1,956,005
2,233,896
2,359,891
2,323,058
2,386,614
2,635,732
2,331,506
2,408,585
2,590,630
2,410,348
325,988
336,258
2,699,196
3,012,903
2,867,598
0
02,867,5983,012,9032,699,196336,258325,9882,410,3482,590,6302,408,5852,331,5062,635,7322,386,6142,323,0582,359,8912,233,8961,956,0051,856,9831,863,5671,840,5421,777,4201,762,8141,691,7451,695,0511,679,5841,602,1471,587,0751,566,1601,586,3091,567,5281,554,4931,628,3181,596,3501,577,0071,545,9271,481,6631,481,2331,416,2311,202,3841,079,6981,047,6141,048,3361,037,2741,039,291976,361982,146951,328926,080952,648966,780927,124887,63279,198911,303915,558878,492886,958887,050949,169888,278898,896892,903884,463873,569853,877816,524790,555745,151701,330684,201615,100577,806567,011570,158528,727510,9480492,363000
       Cash And Cash Equivalents 
0
0
0
8,671
0
12,159
14,511
16,576
12,461
11,982
13,292
19,215
17,958
14,466
13,786
17,421
15,734
20,824
23,494
19,216
16,658
9,469
57,687
8,566
8,031
8,622
11,097
9,450
8,761
12,552
80,461
16,707
135,351
78,369
87,842
85,586
75,212
106,578
96,114
81,286
76,396
85,977
174,498
103,237
141,887
88,848
122,671
113,564
104,854
131,611
68,764
77,517
60,899
63,745
73,196
52,539
61,322
45,803
40,293
86,546
56,335
45,875
60,958
67,102
94,986
42,391
51,728
56,909
58,874
389,977
110,624
57,110
95,603
95,484
110,965
102,682
185,973
112,809
23,303
139,510
139,51023,303112,809185,973102,682110,96595,48495,60357,110110,624389,97758,87456,90951,72842,39194,98667,10260,95845,87556,33586,54640,29345,80361,32252,53973,19663,74560,89977,51768,764131,611104,854113,564122,67188,848141,887103,237174,49885,97776,39681,28696,114106,57875,21285,58687,84278,369135,35116,70780,46112,5528,7619,45011,0978,6228,0318,56657,6879,46916,65819,21623,49420,82415,73417,42113,78614,46617,95819,21513,29211,98212,46116,57614,51112,15908,671000
       Short-term Investments 
0
0
0
27
0
0
0
8
0
0
0
246
0
0
0
203
0
0
0
4,468
14,525
46,143
0
104,171
79,077
52,860
53,407
41,369
51,571
30,323
66,696
113,386
121,017
64,415
70,348
200,596
201,804
194,498
186,242
180,118
185,547
143,642
142,427
144,698
142,951
146,342
143,729
140,548
140,823
137,692
154,480
145,893
147,058
136,834
131,130
126,005
127,961
135,470
134,995
138,358
156,783
158,933
160,665
173,133
175,564
171,680
179,274
183,925
173,261
171,219
194,056
205,702
223,631
208,643
196,566
212,024
236,989
253,626
109,612
297,006
297,006109,612253,626236,989212,024196,566208,643223,631205,702194,056171,219173,261183,925179,274171,680175,564173,133160,665158,933156,783138,358134,995135,470127,961126,005131,130136,834147,058145,893154,480137,692140,823140,548143,729146,342142,951144,698142,427143,642185,547180,118186,242194,498201,804200,59670,34864,415121,017113,38666,69630,32351,57141,36953,40752,86079,077104,171046,14314,5254,468000203000246000800027000
       Net Receivables 
0
0
0
5,648
0
4,775
4,998
8,010
7,810
8,540
9,389
9,626
10,648
11,623
11,265
10,346
9,095
10,607
11,449
3,331
12,671
11,323
12,144
18,385
19,422
20,335
20,696
19,851
18,866
18,326
17,296
3,525
15,647
15,550
15,638
17,408
16,466
15,977
15,485
14,316
14,489
13,341
13,809
27,159
25,192
24,920
26,029
25,626
24,945
55,701
53,486
59,558
57,908
59,006
61,096
60,635
63,581
63,143
62,383
67,821
73,438
82,173
87,456
76,410
111,554
120,616
34,681
111,186
57,633
23,999
22,375
55,133
58,367
20,151
18,457
75,256
67,448
76,864
2,734,683
13,275
13,2752,734,68376,86467,44875,25618,45720,15158,36755,13322,37523,99957,633111,18634,681120,616111,55476,41087,45682,17373,43867,82162,38363,14363,58160,63561,09659,00657,90859,55853,48655,70124,94525,62626,02924,92025,19227,15913,80913,34114,48914,31615,48515,97716,46617,40815,63815,55015,6473,52517,29618,32618,86619,85120,69620,33519,42218,38512,14411,32312,6713,33111,44910,6079,09510,34611,26511,62310,6489,6269,3898,5407,8108,0104,9984,77505,648000
       Other Current Assets 
0
0
0
478,044
0
494,014
509,218
545,572
546,740
557,284
592,419
655,360
672,724
719,062
765,504
788,757
829,048
842,138
849,520
870,356
855,042
821,343
879,338
755,928
780,428
796,675
830,358
840,633
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,130,199
1,171,203
1,221,553
1,253,498
1,318,483
1,325,728
1,303,314
1,297,163
1,308,490
1,344,596
1,331,937
1,349,159
1,387,797
1,453,511
1,476,209
1,479,689
1,499,056
1,525,186
1,598,982
1,607,358
1,582,785
1,653,324
1,987,093
2,094,208
2,051,329
2,127,069
2,050,537
2,004,451
2,090,640
2,213,029
2,086,070
93,421
2,194,663
0
0
0
0
00002,194,66393,4212,086,0702,213,0292,090,6402,004,4512,050,5372,127,0692,051,3292,094,2081,987,0931,653,3241,582,7851,607,3581,598,9821,525,1861,499,0561,479,6891,476,2091,453,5111,387,7971,349,1591,331,9371,344,5961,308,4901,297,1631,303,3141,325,7281,318,4831,253,4981,221,5531,171,2031,130,199000000000000000840,633830,358796,675780,428755,928879,338821,343855,042870,356849,520842,138829,048788,757765,504719,062672,724655,360592,419557,284546,740545,572509,218494,0140478,044000
   > Long-term Assets 
0
0
0
70,588
0
93,891
100,181
99,077
104,080
100,251
104,705
104,122
99,632
94,149
97,112
101,914
104,582
108,374
113,924
117,883
127,149
167,226
124,484
230,386
214,824
195,447
207,256
195,754
212,315
199,682
169,307
210,385
171,582
196,934
203,770
243,962
202,932
195,716
187,424
220,319
186,733
188,228
186,147
213,156
199,444
201,901
198,226
205,885
193,782
190,751
217,945
213,171
214,281
202,768
198,581
191,919
198,633
204,736
202,585
203,643
228,222
229,762
229,226
239,796
240,369
234,918
241,956
244,779
234,104
229,937
252,904
244,320
260,821
265,249
259,977
278,137
24,448
24,216
25,067
0
025,06724,21624,448278,137259,977265,249260,821244,320252,904229,937234,104244,779241,956234,918240,369239,796229,226229,762228,222203,643202,585204,736198,633191,919198,581202,768214,281213,171217,945190,751193,782205,885198,226201,901199,444213,156186,147188,228186,733220,319187,424195,716202,932243,962203,770196,934171,582210,385169,307199,682212,315195,754207,256195,447214,824230,386124,484167,226127,149117,883113,924108,374104,582101,91497,11294,14999,632104,122104,705100,251104,08099,077100,18193,891070,588000
       Property Plant Equipment 
0
0
0
1,247
1,205
1,148
1,122
1,155
1,182
1,118
1,084
1,051
1,094
1,106
1,090
1,546
1,561
1,506
1,551
1,529
1,488
1,380
1,291
1,189
1,143
1,071
1,010
974
951
1,041
1,000
999
1,035
1,030
965
968
1,128
1,218
1,182
1,155
1,186
1,152
1,198
3,943
3,883
3,998
3,889
3,954
3,868
3,969
3,898
3,772
3,955
2,930
3,048
3,156
3,247
3,358
3,247
3,284
11,223
10,719
10,264
9,762
9,017
8,538
8,271
7,812
7,409
7,219
6,963
6,604
7,739
7,671
8,567
12,030
12,288
12,143
12,957
12,749
12,74912,95712,14312,28812,0308,5677,6717,7396,6046,9637,2197,4097,8128,2718,5389,0179,76210,26410,71911,2233,2843,2473,3583,2473,1563,0482,9303,9553,7723,8983,9693,8683,9543,8893,9983,8833,9431,1981,1521,1861,1551,1821,2181,1289689651,0301,0359991,0001,0419519741,0101,0711,1431,1891,2911,3801,4881,5291,5511,5061,5611,5461,0901,1061,0941,0511,0841,1181,1821,1551,1221,1481,2051,247000
       Goodwill 
0
0
0
2,689
0
2,689
2,689
2,689
2,689
2,689
2,689
2,689
0
0
0
2,689
0
0
0
2,689
0
0
0
2,689
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
10,700
10,700
0
0
10,700
10,700
0
0
10,700
10,700
0
0
10,700
10,700
0
0
10,700
0
0
0
10,700
0
0
0
10,700
0
0
0
10,700
0
0
0
10,700
0
0
0
10,700
10,70000010,70000010,70000010,70000010,70000010,7000010,70010,7000010,70010,7000010,70010,7000010,70010,70000000000000000000002,6890002,6890002,6890002,6892,6892,6892,6892,6892,6892,68902,689000
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,013,075
1,014,970
1,007,073
987,844
1,043,615
1,066,291
1,097,156
1,102,953
1,127,211
1,127,402
1,147,168
1,156,765
1,180,797
1,212,835
1,452,699
1,465,792
1,521,135
1,546,816
1,595,181
1,610,907
1,613,068
1,630,446
1,615,379
1,648,772
1,614,629
1,616,793
1,648,809
1,718,127
1,755,413
1,757,809
1,778,606
204,982
207,043
1,897,507
1,906,153
1,933,320
2,244,577
2,362,702
2,385,820
2,436,854
210,540
233,712
225,448
2,497,786
2,535,324
2,591,145
2,714,708
2,818,982
2,982,555
320,253
356,232
356,232320,2532,982,5552,818,9822,714,7082,591,1452,535,3242,497,786225,448233,712210,5402,436,8542,385,8202,362,7022,244,5771,933,3201,906,1531,897,507207,043204,9821,778,6061,757,8091,755,4131,718,1271,648,8091,616,7931,614,6291,648,7721,615,3791,630,4461,613,0681,610,9071,595,1811,546,8161,521,1351,465,7921,452,6991,212,8351,180,7971,156,7651,147,1681,127,4021,127,2111,102,9531,097,1561,066,2911,043,615987,8441,007,0731,014,9701,013,07500000000000000000000000000000
       Intangible Assets 
0
0
0
2,896
2,881
2,872
2,862
2,852
2,842
2,832
2,825
2,817
2,808
2,801
2,794
2,787
2,780
2,774
2,768
2,762
2,756
2,751
2,745
2,740
2,735
41
36
32
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,244
1,244
12,133
12,244
1,793
1,793
12,923
12,762
2,073
2,073
12,760
12,735
1,952
1,952
12,380
12,132
1,345
12,017
12,000
11,946
1,222
11,872
11,925
12,024
1,318
12,055
12,178
12,229
1,568
12,184
12,262
12,218
1,459
12,160
12,073
0
1,323
1,323012,07312,1601,45912,21812,26212,1841,56812,22912,17812,0551,31812,02411,92511,8721,22211,94612,00012,0171,34512,13212,3801,9521,95212,73512,7602,0732,07312,76212,9231,7931,79312,24412,1331,2441,2440000000000000003236412,7352,7402,7452,7512,7562,7622,7682,7742,7802,7872,7942,8012,8082,8172,8252,8322,8422,8522,8622,8722,8812,896000
       Earning Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
251,769
245,498
255,942
288,332
355,057
315,295
0
0
0
0
0
0
0
0
0
0
0
0
0
0
00000000000000315,295355,057288,332255,942245,498251,769000000000000000000000000000000000000000000000000000000000000
       Other Assets 
0
0
0
633,539
101,888
698,730
729,089
768,312
775,171
778,308
824,510
892,445
900,594
933,449
984,779
1,020,352
1,063,041
1,090,317
1,112,311
1,128,669
1,153,194
1,222,730
1,198,137
1,347,822
1,316,606
1,269,386
1,330,070
1,302,811
821,352
9,063
39,168
1,177,165
37,815
37,012
37,037
1,226,108
40,994
41,062
40,241
1,268,655
39,425
38,577
39,036
1,842,543
1,880,121
1,885,465
1,942,379
744
1,983,914
2,009,820
1,990,383
1,993,870
2,014,871
1,971,696
1,984,237
1,985,985
2,076,850
2,104,523
2,096,915
2,170,100
2,233,864
2,300,066
2,322,019
2,336,575
2,436,743
2,703,732
2,843,803
2,812,616
2,854,822
3,095,606
2,837,314
2,897,225
-127,369
101,419
2,264,837
2,362,216
440,767
228,619
526,185
0
0526,185228,619440,7672,362,2162,264,837101,419-127,3692,897,2252,837,3143,095,6062,854,8222,812,6162,843,8032,703,7322,436,7432,336,5752,322,0192,300,0662,233,8642,170,1002,096,9152,104,5232,076,8501,985,9851,984,2371,971,6962,014,8711,993,8701,990,3832,009,8201,983,9147441,942,3791,885,4651,880,1211,842,54339,03638,57739,4251,268,65540,24141,06240,9941,226,10837,03737,01237,8151,177,16539,1689,063821,3521,302,8111,330,0701,269,3861,316,6061,347,8221,198,1371,222,7301,153,1941,128,6691,112,3111,090,3171,063,0411,020,352984,779933,449900,594892,445824,510778,308775,171768,312729,089698,730101,888633,539000
> Total Liabilities 
0
0
0
524,774
558,160
564,325
587,472
627,392
628,612
635,038
675,295
742,567
754,324
792,645
839,202
869,886
907,656
931,213
946,648
957,780
972,652
1,001,995
1,018,598
1,063,043
1,046,292
1,019,626
1,067,303
1,051,722
1,056,548
1,036,530
1,073,849
1,112,951
1,095,611
1,092,260
1,121,586
1,126,569
1,118,140
1,172,831
1,158,840
1,159,380
1,161,577
1,190,855
1,309,375
1,491,639
1,538,988
1,539,277
1,596,186
1,632,804
1,634,933
1,660,675
1,612,507
1,619,049
1,636,456
1,603,694
1,618,875
1,624,788
1,706,737
1,726,115
1,716,788
1,785,750
1,820,542
1,881,449
1,902,001
1,902,623
2,000,717
2,271,252
2,401,062
2,361,675
2,406,227
2,644,217
2,359,130
2,420,483
2,479,031
2,527,093
2,597,798
2,715,971
2,897,830
2,993,106
3,138,092
3,218,258
3,218,2583,138,0922,993,1062,897,8302,715,9712,597,7982,527,0932,479,0312,420,4832,359,1302,644,2172,406,2272,361,6752,401,0622,271,2522,000,7171,902,6231,902,0011,881,4491,820,5421,785,7501,716,7881,726,1151,706,7371,624,7881,618,8751,603,6941,636,4561,619,0491,612,5071,660,6751,634,9331,632,8041,596,1861,539,2771,538,9881,491,6391,309,3751,190,8551,161,5771,159,3801,158,8401,172,8311,118,1401,126,5691,121,5861,092,2601,095,6111,112,9511,073,8491,036,5301,056,5481,051,7221,067,3031,019,6261,046,2921,063,0431,018,5981,001,995972,652957,780946,648931,213907,656869,886839,202792,645754,324742,567675,295635,038628,612627,392587,472564,325558,160524,774000
   > Total Current Liabilities 
0
0
0
11,509
0
0
0
0
0
0
0
9,331
11,194
10,429
12,649
11,840
13,072
12,976
15,215
14,065
0
0
0
0
0
0
0
0
0
977,488
10,911
1,102,700
1,085,300
10,319
10,531
11,595
9,103
7,601
8,258
7,274
6,626
5,907
6,924
9,062
8,424
10,493
10,147
10,032
8,341
9,164
6,361
10,514
11,893
12,689
17,252
12,540
16,645
12,948
16,426
21,474
30,337
35,605
42,378
35,274
70,437
78,939
79,384
70,544
9,422
11,214
13,016
15,344
8,309
13,556
16,967
19,363
20,297
23,495
0
0
0023,49520,29719,36316,96713,5568,30915,34413,01611,2149,42270,54479,38478,93970,43735,27442,37835,60530,33721,47416,42612,94816,64512,54017,25212,68911,89310,5146,3619,1648,34110,03210,14710,4938,4249,0626,9245,9076,6267,2748,2587,6019,10311,59510,53110,3191,085,3001,102,70010,911977,48800000000014,06515,21512,97613,07211,84012,64910,42911,1949,331000000011,509000
       Short-term Debt 
0
0
0
11,509
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,000
0
0
0
45,282
0
33,570
29,946
70,032
121,841
117,280
179,279
37,000
319,895
376,146
0
136,500
0
0
0
0
0
0
0
11,509
0
0
0
0
0
0
0
0
0
0
0
0
00000000000011,5090000000136,5000376,146319,89537,000179,279117,280121,84170,03229,94633,570045,2820001,00000000000000000000000000000000000000000011,509000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,000
0
0
0
45,282
0
33,570
29,946
70,032
121,841
117,280
179,279
37,000
319,895
376,146
0
136,500
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
00000000000000000000136,5000376,146319,89537,000179,279117,280121,84170,03229,94633,570045,2820001,0000000000000000000000000000000000000000000000
       Accounts payable 
0
0
0
474,677
528,714
510,572
528,740
567,464
578,077
574,773
604,794
9,331
11,194
10,429
12,649
11,840
13,072
12,976
15,215
14,065
890,370
922,331
936,672
984,374
964,547
938,626
998,130
988,298
996,080
977,488
10,911
1,051,312
1,033,789
10,319
10,531
11,595
9,103
7,601
8,258
7,274
6,626
5,907
6,924
9,062
8,424
10,493
10,147
10,032
8,341
9,164
6,361
10,514
11,893
12,689
17,252
12,540
16,645
12,948
16,426
21,474
30,337
35,605
42,378
35,274
70,437
78,939
79,384
70,544
9,422
11,214
13,016
15,344
8,309
13,556
16,967
19,363
20,297
23,495
29,262
0
029,26223,49520,29719,36316,96713,5568,30915,34413,01611,2149,42270,54479,38478,93970,43735,27442,37835,60530,33721,47416,42612,94816,64512,54017,25212,68911,89310,5146,3619,1648,34110,03210,14710,4938,4249,0626,9245,9076,6267,2748,2587,6019,10311,59510,53110,3191,033,7891,051,31210,911977,488996,080988,298998,130938,626964,547984,374936,672922,331890,37014,06515,21512,97613,07211,84012,64910,42911,1949,331604,794574,773578,077567,464528,740510,572528,714474,677000
       Other Current Liabilities 
0
0
0
0
0
0
0
0
0
0
0
-9,331
-11,194
-10,429
-12,649
-11,840
-13,072
-12,976
-15,215
-14,065
0
0
0
0
0
0
0
0
0
977,488
-10,911
1,051,312
1,033,789
-10,319
-10,531
-11,595
-9,103
-7,601
-8,258
-7,274
-6,626
-5,907
-6,924
-9,062
-8,424
-10,493
-10,147
-10,032
-8,341
-9,164
-6,361
-10,514
-11,893
-12,689
-17,252
-12,540
-16,645
-12,948
-16,426
-21,474
-30,337
-35,605
-42,378
-35,274
-70,437
-78,939
-79,384
-70,544
-9,422
-11,214
-13,016
-15,344
-8,309
-13,556
-16,967
-19,363
-20,297
-23,495
0
0
00-23,495-20,297-19,363-16,967-13,556-8,309-15,344-13,016-11,214-9,422-70,544-79,384-78,939-70,437-35,274-42,378-35,605-30,337-21,474-16,426-12,948-16,645-12,540-17,252-12,689-11,893-10,514-6,361-9,164-8,341-10,032-10,147-10,493-8,424-9,062-6,924-5,907-6,626-7,274-8,258-7,601-9,103-11,595-10,531-10,3191,033,7891,051,312-10,911977,488000000000-14,065-15,215-12,976-13,072-11,840-12,649-10,429-11,194-9,33100000000000
   > Long-term Liabilities 
0
0
0
28,104
0
43,459
48,507
49,355
42,068
51,975
61,733
92,519
49,863
45,721
76,639
81,986
65,209
84,281
100,144
104,841
67,838
67,836
67,833
67,830
67,828
67,825
51,822
51,819
49,816
49,813
49,810
50,607
51,813
52,711
49,797
22,720
37,251
22,251
22,251
22,251
18,251
18,251
33,251
44,309
44,763
57,716
46,669
45,541
45,004
43,567
39,947
69,680
131,849
116,407
177,899
217,917
318,934
375,442
291,459
308,977
288,499
316,199
350,807
336,970
430,154
481,938
500,303
435,615
464,522
436,187
409,942
418,933
422,067
603,849
16,967
19,363
20,297
379,612
0
0
00379,61220,29719,36316,967603,849422,067418,933409,942436,187464,522435,615500,303481,938430,154336,970350,807316,199288,499308,977291,459375,442318,934217,917177,899116,407131,84969,68039,94743,56745,00445,54146,66957,71644,76344,30933,25118,25118,25122,25122,25122,25137,25122,72049,79752,71151,81350,60749,81049,81349,81651,81951,82267,82567,82867,83067,83367,83667,838104,841100,14484,28165,20981,98676,63945,72149,86392,51961,73351,97542,06849,35548,50743,459028,104000
       Long term Debt Total 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
10,315
10,315
10,315
10,315
10,315
10,315
10,315
10,315
10,315
10,315
10,315
10,315
10,315
10,315
10,315
10,315
10,315
10,315
10,315
9,993
9,997
10,001
10,004
10,008
10,012
10,015
10,019
10,022
10,026
10,029
10,033
10,037
34,512
10,044
10,047
10,051
10,054
10,058
64,989
39,630
46,178
41,962
38,359
24,961
40,357
66,162
61,419
49,012
61,147
0
0
0061,14749,01261,41966,16240,35724,96138,35941,96246,17839,63064,98910,05810,05410,05110,04710,04434,51210,03710,03310,02910,02610,02210,01910,01510,01210,00810,00410,0019,9979,99310,31510,31510,31510,31510,31510,31510,31510,31510,31510,31510,31510,31510,31510,31510,31510,31510,31510,31510,31500000000000000000000000000000
       Other Liabilities 
0
0
0
9,806
10,453
9,706
9,502
9,860
7,806
7,494
7,936
9,331
11,194
10,429
12,649
11,840
13,072
12,976
15,215
14,065
14,444
11,828
14,093
10,839
13,917
13,175
17,351
11,605
10,652
9,229
10,911
11,032
10,009
10,319
10,531
11,595
9,103
7,601
8,258
7,274
6,626
5,907
6,924
9,062
8,424
10,493
10,147
9,288
8,341
9,164
6,361
10,514
11,893
12,689
17,252
12,540
16,645
9,304
11,839
12,999
17,046
12,254
12,779
11,507
9,223
11,537
13,472
14,039
8,453
9,911
12,329
14,336
7,603
11,848
14,929
15,310
0
0
0
0
000015,31014,92911,8487,60314,33612,3299,9118,45314,03913,47211,5379,22311,50712,77912,25417,04612,99911,8399,30416,64512,54017,25212,68911,89310,5146,3619,1648,3419,28810,14710,4938,4249,0626,9245,9076,6267,2748,2587,6019,10311,59510,53110,31910,00911,03210,9119,22910,65211,60517,35113,17513,91710,83914,09311,82814,44414,06515,21512,97613,07211,84012,64910,42911,1949,3317,9367,4947,8069,8609,5029,70610,4539,806000
> Total Stockholder Equity
0
0
0
38,177
39,442
40,514
41,436
41,843
42,479
43,019
44,510
45,756
46,638
46,655
48,465
48,552
50,803
50,730
51,739
53,006
53,393
53,509
55,055
54,393
55,490
54,313
55,511
55,335
56,317
59,847
61,750
64,214
66,434
67,766
70,549
99,539
102,147
103,238
106,099
109,275
112,195
115,648
118,192
137,748
141,689
144,287
147,967
150,832
155,199
158,394
159,931
161,650
164,134
165,234
166,781
169,278
171,480
173,672
177,542
180,707
185,100
188,855
190,792
194,156
195,657
197,562
200,785
206,162
214,491
221,452
225,280
232,422
245,051
249,923
253,004
260,640
266,581
272,632
280,758
289,588
289,588280,758272,632266,581260,640253,004249,923245,051232,422225,280221,452214,491206,162200,785197,562195,657194,156190,792188,855185,100180,707177,542173,672171,480169,278166,781165,234164,134161,650159,931158,394155,199150,832147,967144,287141,689137,748118,192115,648112,195109,275106,099103,238102,14799,53970,54967,76666,43464,21461,75059,84756,31755,33555,51154,31355,49054,39355,05553,50953,39353,00651,73950,73050,80348,55248,46546,65546,63845,75644,51043,01942,47941,84341,43640,51439,44238,177000
   Common Stock
0
0
0
24
24
24
24
24
25
25
25
25
25
25
26
26
26
26
26
26
26
26
26
26
26
26
26
27
27
27
27
27
27
27
27
40
41
41
41
41
41
41
41
45
46
45
89
89
89
89
90
90
90
90
90
90
90
90
91
91
91
91
92
92
92
92
92
92
93
93
93
93
94
94
94
94
94
95
95
0
095959494949494939393939292929292929191919190909090909090908989898945464541414141414141402727272727272727262626262626262626262626262525252525252424242424000
   Retained Earnings Total Equity
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
33,306
35,301
37,501
39,527
40,908
43,343
45,599
48,294
50,879
53,936
57,143
59,652
62,328
65,053
67,886
71,124
74,028
77,458
80,584
84,089
86,760
88,255
91,317
93,581
94,333
95,785
98,906
101,329
103,391
107,460
110,310
115,584
120,841
124,628
129,105
130,973
132,882
135,760
140,431
148,621
155,300
162,952
170,020
177,022
186,302
195,235
203,507
209,008
215,237
0
0
00215,237209,008203,507195,235186,302177,022170,020162,952155,300148,621140,431135,760132,882130,973129,105124,628120,841115,584110,310107,460103,391101,32998,90695,78594,33393,58191,31788,25586,76084,08980,58477,45874,02871,12467,88665,05362,32859,65257,14353,93650,87948,29445,59943,34340,90839,52737,50135,30133,30600000000000000000000000000000
   Accumulated Other Comprehensive Income 
0
0
0
-1,118
0
-1,250
-930
-1,469
-2,335
-2,078
-1,391
-1,005
-620
-1,371
-434
-399
1,126
25
-90
1,065
1,664
1,549
1,813
1,544
1,796
2,200
2,519
1,792
1,455
2,507
2,330
2,491
2,554
2,373
2,632
2,183
1,982
321
29
-342
-128
452
233
218
726
207
512
-80
482
730
806
-522
-576
-491
-370
-1,238
-1,741
-1,824
-2,000
-1,684
-1,405
-1,086
-1,655
-1,348
-685
-1,186
-1,170
-933
-1,038
-763
-1,455
-1,457
-7,863
-11,588
-16,588
-15,310
-13,671
-13,877
-14,234
0
0-14,234-13,877-13,671-15,310-16,588-11,588-7,863-1,457-1,455-763-1,038-933-1,170-1,186-685-1,348-1,655-1,086-1,405-1,684-2,000-1,824-1,741-1,238-370-491-576-522806730482-80512207726218233452-128-342293211,9822,1832,6322,3732,5542,4912,3302,5071,4551,7922,5192,2001,7961,5441,8131,5491,6641,065-90251,126-399-434-1,371-620-1,005-1,391-2,078-2,335-1,469-930-1,2500-1,118000
   Capital Surplus 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
25,560
25,692
25,843
25,978
26,036
26,217
53,504
54,790
54,969
55,228
56,002
56,207
56,477
56,894
74,963
75,571
75,792
76,189
76,549
76,851
77,127
77,544
77,542
77,818
78,086
78,353
78,620
78,906
79,126
79,369
79,623
79,941
80,351
80,740
81,188
81,605
82,121
82,620
83,125
83,694
84,343
84,959
85,797
85,443
86,123
86,803
87,512
88,173
89,272
0
0
0089,27288,17387,51286,80386,12385,44385,79784,95984,34383,69483,12582,62082,12181,60581,18880,74080,35179,94179,62379,36979,12678,90678,62078,35378,08677,81877,54277,54477,12776,85176,54976,18975,79275,57174,96356,89456,47756,20756,00255,22854,96954,79053,50426,21726,03625,97825,84325,69225,56000000000000000000000000000000
   Treasury Stock00-30,087-29,015-27,155-24,532-23,000-21,637-22,031-21,269-17,521-16,879-16,553-16,517-16,347-16,328-14,881-13,013-11,342-9,111-7,633-7,378-7,111-7,104-7,100-7,077-6,784-6,779-6,777-6,764-6,312-6,312-6,310-6,281-5,785-5,778-5,364-4,029-3,650-3,577-3,569-3,135-2,972-2,960-1,787-1,670-1,578-1,652-1,648-1,600-1,553-1,548-1,545-1,542-1,505-1,501-1,490-1,490-1,444-1,438-1,425-1,425-1,387-1,383-1,373-551-540-539-530-530-526-526-509-389-387-387-384000
   Other Stockholders Equity 
0
0
0
22,042
0
22,142
22,203
22,203
22,995
22,347
22,435
22,499
22,559
22,632
22,785
22,089
22,221
22,358
22,487
22,663
22,822
22,972
23,079
23,241
23,366
23,487
23,575
23,708
23,860
24,007
24,092
24,195
24,326
24,458
24,547
51,717
51,830
51,997
52,093
52,433
52,630
52,827
52,865
69,599
69,793
70,007
69,908
70,239
70,539
70,815
70,780
70,765
71,039
71,302
71,276
71,520
71,802
72,015
71,991
71,990
70,830
69,009
67,727
66,307
65,277
65,774
66,103
66,572
66,815
66,822
63,690
57,693
63,806
63,123
62,271
60,357
59,158
59,185
59,837
0
059,83759,18559,15860,35762,27163,12363,80657,69363,69066,82266,81566,57266,10365,77465,27766,30767,72769,00970,83071,99071,99172,01571,80271,52071,27671,30271,03970,76570,78070,81570,53970,23969,90870,00769,79369,59952,86552,82752,63052,43352,09351,99751,83051,71724,54724,45824,32624,19524,09224,00723,86023,70823,57523,48723,36623,24123,07922,97222,82222,66322,48722,35822,22122,08922,78522,63222,55922,49922,43522,34722,99522,20322,20322,142022,042000



Balance Sheet

Currency in USD. All numbers in thousands.




Cash Flow

Currency in USD. All numbers in thousands.




Income Statement

Currency in USD. All numbers in thousands.


Latest Income Statement (annual, 2023-12-31)

Gross Profit (+$)
totalRevenue89,226
Cost of Revenue-0
Gross Profit89,22689,226
 
Operating Income (+$)
Gross Profit89,226
Operating Expense-35,027
Operating Income22,64654,199
 
Operating Expense (+$)
Research Development0
Selling General Administrative33,620
Selling And Marketing Expenses1,407
Operating Expense35,02735,027
 
Net Interest Income (+$)
Interest Income178,485
Interest Expense-34,773
Other Finance Cost-33,212
Net Interest Income110,500
 
Pretax Income (+$)
Operating Income22,646
Net Interest Income110,500
Other Non-Operating Income Expenses0
Income Before Tax (EBT)22,64622,646
EBIT - interestExpense = -12,127
22,646
52,089
Interest Expense34,773
Earnings Before Interest and Taxes (EBIT)22,64657,419
Earnings Before Interest and Taxes (EBITDA)22,646
 
After tax Income (+$)
Income Before Tax22,646
Tax Provision-9,809
Net Income From Continuing Ops37,41312,837
Net Income17,316
Net Income Applicable To Common Shares0
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses35,027
Total Other Income/Expenses Net0-110,500
 

Technical Analysis of First Business Financial Services
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of First Business Financial Services. The general trend of First Business Financial Services is BULLISH with 57.1% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine First Business Financial Services's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (57.1%) Bearish trend (-57.1%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of First Business Financial Services.

The long score for the Support & Resistance is 1/1.
The longshort score for the Support & Resistance is 1/(-1 +1).

  • Around support: The price is currently trading around a support level. This can be considered as a potential entry level. +1

The bullish price targets are: 38.07 < 39.27 < 40.73.

The bearish price targets are: 34.94 > 33.39 > 33.20.

Tweet this
First Business Financial Services Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of First Business Financial Services. The current mas is .

The long score for the Moving Averages is 11/14.
The longshort score for the Moving Averages is 8/(-14 +14).

  • MA 20 trending up: The MA 20 is trending up. +1
  • Close > MA 20: The price is above the MA 20. +1
  • MA 20 < MA 50: The MA 20 is lower than the MA 50. -1
  • MA 20 < MA 100: The MA 20 is lower than the MA 100. -1
  • MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
  • MA 50 trending up: The MA 50 is trending up. +1
  • Close > MA 50: The price is above the MA 50. +1
  • MA 50 < MA 100: The MA 50 is lower than the MA 100. -1
  • MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
  • MA 100 trending up: The MA 100 is trending up. +1
  • Close > MA 100: The price is above the MA 100. +1
  • MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close > MA 200: The price is above the MA 200. +1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

First Business Financial Services Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of First Business Financial Services. The current macd is 0.0745556.

The long score for the Moving Average Convergence/Divergence (MACD) is 4/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is 4/(-4 +4).

  • MACD line > signal line: The MACD line is above the signal line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the First Business Financial Services price going up in the near term. +2
  • MACD > 0: The MACD is above the zero line (centerline), it indicates a bullish signal for First Business Financial Services. This means that the short-term moving average is higher than the long-term moving average, signaling positive momentum and suggesting a higher likelihood of the First Business Financial Services price continuing to rise in the near future. It indicates that buyers are gaining control, and there is optimism in the market, leading to potential price increases. +1
  • Trending up: The MACD line is trending up. This indicates that the short-term moving average is rising faster than the long-term moving average, suggesting positive momentum in the market. This signals that buyers are becoming more active and confident, leading to potential price increases as traders anticipate further gains and are willing to buy at higher prices. +1
First Business Financial Services Daily Moving Average Convergence/Divergence (MACD) ChartFirst Business Financial Services Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of First Business Financial Services. The current adx is 10.26.

The long score for the Directional Movement Index (DMI) is 1/7.
The longshort score for the Directional Movement Index (DMI) is 1/(-7 +7).

  • PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy First Business Financial Services shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX < 25 && ADX trending down: The ADX is below 25 and indicates a weak or no trend. Also, the ADX is declining so there is no trend indication.
First Business Financial Services Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of First Business Financial Services. The current sar is 33.01.

The long score for the Parabolic SAR is 1/1.
The longshort score for the Parabolic SAR is 1/(-1 +1).

  • Close > SAR: The price is above the SAR. It's generally considered a bullish signal. +1
First Business Financial Services Daily Parabolic SAR Chart

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of First Business Financial Services. The current rsi is 59.20. The current phase is Continuation in bull market.

The long score for the Relative Strength Index (RSI) is 4/13.
The longshort score for the Relative Strength Index (RSI) is 4/(-13 +13).

  • Continuation in bull market: Uptrend continues after a consolidation or pullback. Hold or add to existing positions.
  • Trending up: The RSI is trending up. +1
First Business Financial Services Daily Relative Strength Index (RSI) ChartFirst Business Financial Services Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of First Business Financial Services. The current phase is Overbought in bull market.

The long score for the Stochastic Oscillator is 6/6.
The longshort score for the Stochastic Oscillator is 6/(-6 +6).

  • STOCH > 50: The STOCH %K is above 50. There are more buyers than sellers. +1
  • STOCH > 80: The STOCH %K is above 80 and overbought. +2
  • STOCH %K line > STOCH %D line: The STOCH %K line is above the STOCH %D line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the First Business Financial Services price going up in the near term. +2
  • Trending up: The STOCH %K is trending up. +1
First Business Financial Services Daily Stochastic Oscillator ChartFirst Business Financial Services Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of First Business Financial Services. The current cci is 202.29.

The long score for the Commodity Channel Index (CCI) is 1/1.
The longshort score for the Commodity Channel Index (CCI) is 1/(-1 +1).

  • CCI > 100: The CCI is above 100, it indicates that the price is significantly above its average, suggesting a potential overbought condition. +1
First Business Financial Services Daily Commodity Channel Index (CCI) ChartFirst Business Financial Services Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of First Business Financial Services. The current cmo is 29.57.

The long score for the Chande Momentum Oscillator (CMO) is 1/1.
The longshort score for the Chande Momentum Oscillator (CMO) is 1/(-1 +1).

  • CMO > 0: The CMO is above 0, the momentum of the price is positive, indicating a potential uptrend in the price. +1
First Business Financial Services Daily Chande Momentum Oscillator (CMO) ChartFirst Business Financial Services Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of First Business Financial Services. The current willr is 0.

The long score for the Williams %R is 1/1.
The longshort score for the Williams %R is 1/(-1 +1).

  • WILLR > -20: The Williams %R is above -20. This indicates that the price is in overbought territory, suggesting a potential price correction or trend reversal to the downside. +1
First Business Financial Services Daily Williams %R ChartFirst Business Financial Services Daily Williams %R Chart

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of First Business Financial Services.

First Business Financial Services Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of First Business Financial Services. The current atr is 1.30068591.

First Business Financial Services Daily Average True Range (ATR) ChartFirst Business Financial Services Daily Average True Range (ATR) Chart

5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of First Business Financial Services. The current obv is -709,895.

First Business Financial Services Daily On-Balance Volume (OBV) ChartFirst Business Financial Services Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of First Business Financial Services. The current mfi is 71.86.

The long score for the Money Flow Index (MFI) is 1/2.
The longshort score for the Money Flow Index (MFI) is 1/(-2 +2).

  • MFI > 50: +1
First Business Financial Services Daily Money Flow Index (MFI) ChartFirst Business Financial Services Daily Money Flow Index (MFI) Chart

6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for First Business Financial Services.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2023-11-06RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-09STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-10WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-11-13STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-14STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-15RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-11-17STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-11-20STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-22STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-24STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-28MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2023-11-29STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-01MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-04BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2023-12-05RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-12-07MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-08CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2023-12-11STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-12SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2023-12-13SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-14MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2023-12-15BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-19STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-20RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2023-12-21STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-22STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-26STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-29RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-03MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-05DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-01-10WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-01-12CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-01-16STOCH SHORT EXITThe %K line crosses above the %D line.
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
2024-01-22DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-01-23STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-01-24STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-01-25WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-01-26MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2024-01-29DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-31MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-01CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
2024-02-07STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-13STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-14STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-15MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-20STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-21CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-02-27MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2024-02-28CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-02-29DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-01STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-04DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-03-05STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-07STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-08MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-03-11DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-03-12DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2024-03-13DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2024-03-14DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-03-18MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-03-19MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2024-03-20DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-22STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-25DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-26STOCH LONG EXITThe %K line crosses below the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2024-03-27DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).

6.3. Candlestick Patterns

First Business Financial Services Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of First Business Financial Services based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5059.197
Ma 20Greater thanMa 5034.664
Ma 50Greater thanMa 10035.544
Ma 100Greater thanMa 20035.848
OpenGreater thanClose36.030
Total2/5 (40.0%)
Penke

Good job! You gained 25 XP and 0   0   10 . What's next:

  • Share my analysis of First Business Financial Services with someone you think should read this too:
  • Are you bullish or bearish on First Business Financial Services? Let me know what you think in the comments.
  • Do you want an email if I find something interesting about First Business Financial Services? Add an email alert using the form below.
  • Join the community if you want to keep your earnings and track your progress: Join the community
  • Is this analysis useful to you? Support me via But Me a Coffee. I'll analyze the stock market faster for you!

Get notifications about First Business Financial Services

I send you an email if I find something interesting about First Business Financial Services.


Comments

How you think about this?

Leave a comment

Stay informed about First Business Financial Services.

Receive notifications about First Business Financial Services in your mailbox!