First Business Financial Services, Inc. FBIZ NASDAQ

First Business Financial Services, Inc. (FBIZ) reported total assets of $4.08B and total liabilities of $3.71B for fiscal year 2025, resulting in total equity of $371.59M.

The company held $39.49M in cash and short-term investments. Total debt stood at $259.41M, with net debt of $228.64M. The Debt-to-Equity (D/E) ratio was 0.7 (moderate).

Current ratio is 0.31, which may signal tight short-term liquidity. Interest coverage is 0.5x (weak).

Criteria supported by this page:

• HEALTH (17/100, Fail) — the balance sheet shows elevated risk in debt or liquidity metrics
• MOAT (43/100) — Total assets $4.08B and equity $371.59M support the company's competitive scale
• VALUE (88/100) — Debt-to-Equity 0.7 contributes to the overall valuation risk assessment

Overall SharesGrow Score: 70/100 with 5/7 criteria passed.

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