First Business Financial Stock Z Score

FBIZ Stock

USD 48.00 0.45 0.95%

Altman Z Score is one of the simplest fundamental models to determine how likely your company is to fail. The module uses available fundamental data of a given equity to approximate the Altman Z score. Altman Z Score is determined by evaluating five fundamental price points available from the company's current public disclosure documents. Check out First Business Piotroski F Score and First Business Valuation analysis.

At this time, First Business' Capital Stock is fairly stable compared to the past year. Capital Lease Obligations is likely to rise to about 8.5 M in 2025, whereas Capital Surpluse is likely to drop slightly above 78.9 M in 2025. At this time, First Business' Selling General Administrative is fairly stable compared to the past year. Selling And Marketing Expenses is likely to rise to about 3.7 M in 2025, whereas Income Tax Expense is likely to drop slightly above 3.9 M in 2025.

First Business Financial Company Z Score Analysis

First Business' Z-Score is a simple linear, multi-factor model that measures the financial health and economic stability of a company. The score is used to predict the probability of a firm going into bankruptcy within next 24 months or two fiscal years from the day stated on the accounting statements used to calculate it. The model uses five fundamental business ratios that are weighted according to algorithm of Professor Edward Altman who developed it in the late 1960s at New York University..

Z Score

Sum Of

5 Factors

More About Z Score | All Equity Analysis

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

First Z Score Driver Correlations

Understanding the fundamental principles of building solid financial models for First Business is extremely important. It helps to project a fair market value of First Stock properly, considering its historical fundamentals such as Z Score. Since First Business' main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of First Business' historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of First Business' interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Total Liab	Net Debt	Retained Earnings	Net Receivables	Total Current Assets	Short Term Debt	Common Stock	Accounts Payable	Long Term Debt	Good Will	Short Term Investments	Treasury Stock	Intangible Assets	Property Plant Equipment	Net Tangible Assets	Long Term Debt Total	Capital Surpluse	Long Term Investments	Earning Assets	Net Invested Capital	Capital Stock
Total Assets		0.99	1.0	0.29	0.99	0.69	0.43	0.8	0.67	-0.43	0.78	0.58	0.24	-0.93	0.02	0.58	0.86	0.89	0.78	-0.26	0.37	0.79	0.84
Total Stockholder Equity	0.99		0.99	0.31	0.98	0.67	0.44	0.82	0.73	-0.52	0.75	0.64	0.28	-0.92	0.07	0.62	0.89	0.84	0.84	-0.21	0.3	0.76	0.81
Total Liab	1.0	0.99		0.29	0.99	0.69	0.43	0.8	0.66	-0.42	0.79	0.58	0.24	-0.93	0.02	0.57	0.86	0.89	0.77	-0.26	0.38	0.79	0.85
Net Debt	0.29	0.31	0.29		0.31	-0.29	-0.53	0.27	0.53	-0.15	0.2	0.45	0.37	-0.53	0.2	0.34	0.54	0.34	0.39	0.38	-0.07	0.35	0.03
Retained Earnings	0.99	0.98	0.99	0.31		0.7	0.41	0.83	0.65	-0.41	0.8	0.56	0.19	-0.94	0.08	0.57	0.86	0.89	0.75	-0.28	0.38	0.78	0.87
Net Receivables	0.69	0.67	0.69	-0.29	0.7		0.82	0.55	0.19	-0.14	0.59	0.16	-0.13	-0.47	-0.02	0.17	0.38	0.63	0.34	-0.46	0.42	0.56	0.72
Total Current Assets	0.43	0.44	0.43	-0.53	0.41	0.82		0.42	0.16	-0.19	0.25	0.16	-0.08	-0.1	-0.08	0.13	0.15	0.24	0.3	-0.31	0.05	0.22	0.42
Short Term Debt	0.8	0.82	0.8	0.27	0.83	0.55	0.42		0.62	-0.35	0.72	0.54	0.08	-0.76	0.22	0.68	0.74	0.65	0.64	-0.3	0.17	0.49	0.72
Common Stock	0.67	0.73	0.66	0.53	0.65	0.19	0.16	0.62		-0.6	0.38	0.87	0.38	-0.68	0.3	0.72	0.88	0.46	0.91	0.18	0.0	0.54	0.34
Accounts Payable	-0.43	-0.52	-0.42	-0.15	-0.41	-0.14	-0.19	-0.35	-0.6		-0.21	-0.57	-0.47	0.4	-0.19	-0.46	-0.57	-0.25	-0.78	-0.14	0.06	-0.27	-0.2
Long Term Debt	0.78	0.75	0.79	0.2	0.8	0.59	0.25	0.72	0.38	-0.21		0.31	0.04	-0.77	0.06	0.61	0.65	0.74	0.47	-0.71	0.44	0.55	0.65
Good Will	0.58	0.64	0.58	0.45	0.56	0.16	0.16	0.54	0.87	-0.57	0.31		0.17	-0.59	0.54	0.79	0.77	0.38	0.87	0.21	-0.04	0.45	0.28
Short Term Investments	0.24	0.28	0.24	0.37	0.19	-0.13	-0.08	0.08	0.38	-0.47	0.04	0.17		-0.29	-0.5	0.25	0.38	0.14	0.47	0.33	0.08	0.03	-0.05
Treasury Stock	-0.93	-0.92	-0.93	-0.53	-0.94	-0.47	-0.1	-0.76	-0.68	0.4	-0.77	-0.59	-0.29		-0.12	-0.64	-0.91	-0.88	-0.74	0.16	-0.41	-0.73	-0.8
Intangible Assets	0.02	0.07	0.02	0.2	0.08	-0.02	-0.08	0.22	0.3	-0.19	0.06	0.54	-0.5	-0.12		0.38	0.16	0.04	0.18	0.12	-0.26	0.0	0.01
Property Plant Equipment	0.58	0.62	0.57	0.34	0.57	0.17	0.13	0.68	0.72	-0.46	0.61	0.79	0.25	-0.64	0.38		0.75	0.37	0.75	-0.19	0.14	0.2	0.34
Net Tangible Assets	0.86	0.89	0.86	0.54	0.86	0.38	0.15	0.74	0.88	-0.57	0.65	0.77	0.38	-0.91	0.16	0.75		0.74	0.9	-0.03	0.32	0.71	0.64
Long Term Debt Total	0.89	0.84	0.89	0.34	0.89	0.63	0.24	0.65	0.46	-0.25	0.74	0.38	0.14	-0.88	0.04	0.37	0.74		0.55	-0.2	0.5	0.81	0.84
Capital Surpluse	0.78	0.84	0.77	0.39	0.75	0.34	0.3	0.64	0.91	-0.78	0.47	0.87	0.47	-0.74	0.18	0.75	0.9	0.55		0.09	0.11	0.57	0.46
Long Term Investments	-0.26	-0.21	-0.26	0.38	-0.28	-0.46	-0.31	-0.3	0.18	-0.14	-0.71	0.21	0.33	0.16	0.12	-0.19	-0.03	-0.2	0.09		-0.31	-0.11	-0.31
Earning Assets	0.37	0.3	0.38	-0.07	0.38	0.42	0.05	0.17	0.0	0.06	0.44	-0.04	0.08	-0.41	-0.26	0.14	0.32	0.5	0.11	-0.31		0.47	0.44
Net Invested Capital	0.79	0.76	0.79	0.35	0.78	0.56	0.22	0.49	0.54	-0.27	0.55	0.45	0.03	-0.73	0.0	0.2	0.71	0.81	0.57	-0.11	0.47		0.64
Capital Stock	0.84	0.81	0.85	0.03	0.87	0.72	0.42	0.72	0.34	-0.2	0.65	0.28	-0.05	-0.8	0.01	0.34	0.64	0.84	0.46	-0.31	0.44	0.64

Click cells to compare fundamentals

To calculate a Z-Score, one would need to know a company's current working capital, its total assets and liabilities, and the amount of its latest earnings as well as earnings before interest and tax. Z-Scores can be used to compare the odds of bankruptcy of companies in a similar line of business or firms operating in the same industry. Companies with Z-Scores above 3.1 are generally considered to be stable and healthy with a low probability of bankruptcy. Scores that fall between 1.8 and 3.1 lie in a so-called 'grey area,' with scores of less than 1 indicating the highest probability of distress. Z Score is a used widely measure by financial auditors, accountants, money managers, loan processors, wealth advisers, and day traders. In the last 25 years, many financial models that utilize z-scores proved it to be successful as a predictor of corporate bankruptcy.

Competition

Predict First Business

According to the company's disclosures, First Business Financial has a Z Score of 0.0. This is 100.0% lower than that of the Banks sector and about the same as Financials (which currently averages 0.0) industry. The z score for all United States stocks is 100.0% higher than that of the company.

First Z Score Peer Comparison

Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses First Business' direct or indirect competition against its Z Score to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of First Business could also be used in its relative valuation, which is a method of valuing First Business by comparing valuation metrics of similar companies.

First Business is currently under evaluation in z score category among its peers.

First Business Current Valuation Drivers

We derive many important indicators used in calculating different scores of First Business from analyzing First Business' financial statements. These drivers represent accounts that assess First Business' ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of First Business' important valuation drivers and their relationship over time.

	2020	2021	2022	2023	2024	2025 (projected)
Market Cap	154.4M	242.5M	300.7M	326.1M	375.5M	394.2M
Enterprise Value	533.1M	604.4M	665.0M	526.4M	673.9M	707.6M

First Business ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, First Business' sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to First Business' managers, analysts, and investors.

Environmental

Governance

Social

First Business Institutional Holders

Institutional Holdings refers to the ownership stake in First Business that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of First Business' outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing First Business' value.

		Shares
American Century Companies Inc	2024-12-31	112 K
Alliancebernstein L.p.	2024-12-31	98.3 K
M3f, Inc.	2024-12-31	97.2 K
Lsv Asset Management	2024-12-31	94.2 K
Bridgeway Capital Management, Llc	2024-12-31	90.4 K
Northern Trust Corp	2024-12-31	89.9 K
Amvescap Plc.	2024-12-31	84.6 K
Federated Hermes Inc	2024-12-31	69.9 K
Hotchkis & Wiley Capital Management Llc	2024-12-31	63.3 K
Blackrock Inc	2024-12-31	869.1 K
Dimensional Fund Advisors, Inc.	2024-12-31	538.8 K

First Fundamentals

	Return On Equity	0.14
	Return On Asset	0.012
	Profit Margin	0.31 %
	Operating Margin	0.42 %
	Current Valuation	696.09 M
	Shares Outstanding	8.3 M
	Shares Owned By Insiders	5.01 %
	Shares Owned By Institutions	70.67 %
	Number Of Shares Shorted	46.96 K
	Price To Earning	14.43 X
	Price To Book	1.24 X
	Price To Sales	2.73 X
	Revenue	233.13 M
	Gross Profit	144.63 M
	EBITDA	22.65 M
	Net Income	44.24 M
	Cash And Equivalents	84.44 M
	Cash Per Share	9.96 X
	Total Debt	327.98 M
	Debt To Equity	10.82 %
	Book Value Per Share	38.17 X
	Cash Flow From Operations	57.49 M
	Short Ratio	1.51 X
	Earnings Per Share	5.20 X
	Price To Earnings To Growth	1.89 X
	Target Price	61.4
	Number Of Employees	349
	Beta	0.88
	Market Capitalization	394.72 M
	Total Asset	3.85 B
	Retained Earnings	265.78 M
	Annual Yield	0.02 %
	Five Year Return	2.69 %
	Net Asset	3.85 B
	Last Dividend Paid	1.0

About First Business Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze First Business Financial's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of First Business using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of First Business Financial based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.

Please read more on our fundamental analysis page.

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Additional Tools for First Stock Analysis

When running First Business' price analysis, check to measure First Business' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy First Business is operating at the current time. Most of First Business' value examination focuses on studying past and present price action to predict the probability of First Business' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move First Business' price. Additionally, you may evaluate how the addition of First Business to your portfolios can decrease your overall portfolio volatility.

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First Business Financial Stock Z Score

First Business Financial Company Z Score Analysis

Z Score

Sum Of

5 Factors

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

First Z Score Driver Correlations

First Z Score Peer Comparison

First Business Current Valuation Drivers

First Business ESG Sustainability

First Business Institutional Holders

First Fundamentals

About First Business Fundamental Analysis

Also Currently Popular

Additional Tools for First Stock Analysis

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