What Is First Business Financial Servic (FBIZ) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, First Business Financial Servic presents a highly debated valuation profile at its current price of $63.30. The composite intrinsic value is estimated at $88.73 (+40.2% average upside), masking a wide model spread between the 6 bullish models and 4 bearish models. Model dispersion is worth noting: ML-RIV targets $265.03 (+318.7%), versus EROIC at $8.33 (-86.8%). This +405.5% range highlights the importance of multi-model analysis rather than relying on any single methodology.
What Do the Models Say About FBIZ?
12 of 13 models are currently active for FBIZ. Of these, 8 models suggest upside while 4 models suggest overvaluation. The Bayesian DCF estimates FBIZ's intrinsic value at $85.75, implying +35.5% upside from the current price. See which stocks rank higher →
How Does FBIZ Rank in State Commercial Banks?
Among 172 State Commercial Banks stocks, FBIZ ranks #127 by Quality of Company score. CirclFi's QOC score of 7.7/10 evaluates 32 fundamental signals. A score of 7.7 indicates above-average quality.
See all Most Undervalued State Commercial Banks Stocks →
Within the State Commercial Banks space, First Business Financial Servic competes in an environment where cost-to-income ratio often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.
Is FBIZ a Value Trap?
CirclFi's Value Trap algorithm assigns FBIZ a score of 12/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
12 of 13 models are active for First Business Financial Servic. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, First Business Financial Servic is rated at 7.7/10. This strong-tier score demonstrates strong fundamentals across the majority of our quality signals.
The gap between the most bullish and bearish model spans +405.5% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every FBIZ valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across FBIZ's 12 active models, average confidence is 37%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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