First Business Financial Services, Inc. cash flow to debt ratio of 23.78% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

First Business Financial Services, Inc.'s free cash flow has increased 6.69% from $57.27M last year to $61.10M, signaling increasing performance

First Business Financial Services, Inc.'s debt to equity ratio is 1.51, which means that the company's assets are unhealthy financed, signaling financial risk.

First Business Financial Services, Inc.'s debt has increased relative to shareholder equity from 1.00 last year to 1.51 today, signaling weakened financials

First Business Financial Services, Inc. has a net debt to EBITDA ratio of 3.42x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk

First Business Financial Services, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

First Business Financial Services, Inc.'s profit margin has increased (14.35%) in the last year from 16.86% to 19.28%, signaling increasing performance

First Business Financial Services, Inc.'s short-term liabilities of $126.86M exceed its short-term assets of $39.48M, signaling financial risk

First Business Financial Services, Inc.'s return on assets of 1.26% is lower than the 5.00% threshold, indicating inefficient asset utilization

First Business Financial Services, Inc.'s return on equity of 14.75%, is lower than 15.00%, indicating bad performance

First Business Financial Services, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

First Business Financial Services, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

First Business Financial Services, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

First Business Financial Services, Inc. has a free cash flow yield of 10.37%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

First Business Financial Services, Inc.'s yearly earnings has increased 13.73% since last year from $44.24M to $50.32M, signaling increasing performance

First Business Financial Services, Inc.'s yearly revenue has decreased 5.74% since last year from $262.38M to $247.31M, signaling decreasing performance

ROIC 1.34% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

First Business Financial Services, Inc.'s 3-year revenue CAGR of 22.80% is positive, indicating growing revenue over the past 3 years

First Business Financial Services, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

First Business Financial Services, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

First Business Financial Services, Inc. is undervalued relative to its fair value price of 102.60 based on Discounted Cash Flow model

First Business Financial Services, Inc. has an earnings yield of 9.60%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

First Business Financial Services, Inc. is overvalued relative to its fair value price of 23.32 based on EBITDA multiple model

First Business Financial Services, Inc. has an EV/EBITDA ratio of 12.59x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

First Business Financial Services, Inc. is undervalued relative to its fair value price of 142.60 based on Earnings Fair Value model

First Business Financial Services, Inc. has a PEG-ratio under 1 which is considered undervalued

First Business Financial Services, Inc. has a price-to-book ratio of 1.46x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

First Business Financial Services, Inc. has a price-to-sales ratio of 2.01x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue