Should I Buy FBIZ? FBIZ 2026 Analysis

Should You Buy First Business Financial Services Inc (FBIZ) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Hold

Latest Price

59.850

1 Day change

0.57%

52 Week Range

60.460

Analysis Updated At

2026/02/04

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Not a good buy right now: price is extended/overbought and sitting just under a key resistance zone (~59.44), which skews near-term risk/reward against an impatient entry.
Fundamentals/news and Wall Street tone are constructive (dividend hike, deposit growth, targets raised), so it’s a watchlist / buy-on-dip or breakout rather than a chase at this level.
Intellectia Proprietary Trading Signals
AI Stock Picker: No signal on given stock today.
SwingMax: No signal on given stock recently.

Technical Analysis

Trend is bullish: moving averages are stacked bullishly (SMA_5 > SMA_20 > SMA_200), confirming an uptrend.
Momentum is positive: MACD histogram is >0 and expanding (bullish continuation signal).
Short-term is stretched: RSI(6) ~73.7 (overbought), which often precedes pauses/pullbacks.
Key levels: Pivot support ~57.33 (first support zone); resistance R1 ~59.44 (current area) then R2 ~60.75. A clean breakout above ~60.75 would be a stronger “buy now” technical trigger; otherwise a pullback toward ~57–58 is a better entry.

Options Data

Bullish

Open Interest Put-Call Ratio

Bullish

Option Volume Put-Call Ratio

Options market is extremely thin/illiquid (call OI 10, put OI 0; today volume 1 call, 0 puts), so sentiment signals are low-confidence.
Positioning tilt is bullish (calls only), but it may simply reflect sparse trading rather than conviction.
Implied vol (30d) ~40.6 vs historical vol ~27.6 suggests options are priced for more movement than realized, though IV has fallen sharply vs the last 5–10 day averages (cooling after the recent event/earnings).

Technical Summary

Sell

Buy

Positive Catalysts

- Earnings/news flow was largely positive: Q4 results cited as solid with cost control and core deposit gathering.
- Dividend raised 17% and noted as the 14th consecutive annual increase—supports shareholder-return narrative.
- Core deposits grew meaningfully (+$80.9M; 12.5% annualized) and reliance on wholesale funding reportedly reduced.
- Analysts turned more bullish via price-target increases (Piper Sandler to $70; KBW to $63).

Neutral/Negative Catalysts

- Credit quality “noise”: reported $20.4M downgrade in commercial real estate loans (CRE) is a tangible risk flag.
- Net interest margin compression mentioned by analysts—could weigh on forward earnings if persists.
- Latest quarter snapshot shows YoY declines in profitability (net income and EPS down YoY), which can cap near-term upside.
- Technically overbought near resistance, increasing odds of a short-term pullback rather than immediate follow-through.

Financial Performance

Latest quarter: 2025/Q4.
Revenue: $39.87M, +4.02% YoY (steady top-line growth).
Net income: $13.11M, -5.28% YoY (profitability softened).
EPS: 1.6, -5.88% YoY (earnings down YoY per snapshot).
Operational tone in updates: efficiency ratio improved to ~56.61% (better cost discipline), and deposits/loans grew (deposits stronger than loans), which is supportive, but the CRE credit downgrade is the main offset.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Recent trend is positive: two firms raised price targets within days.
2026-02-03: Piper Sandler raised PT to $70 (from $61), reiterates Overweight; highlights cost control and deposit gathering despite credit/NIM pressure.
2026-02-02: Keefe Bruyette raised PT to $63 (from $59), reiterates Outperform.
Wall Street pros/cons view: Pros—deposit momentum, expense control, shareholder returns (dividend growth). Cons—CRE credit sensitivity and NIM pressure remain the key debate points.
Influential/political trading: no recent congress trading data available; hedge fund and insider activity reported as neutral (no notable recent trend).

1 Analyst Rating

Wall Street analysts forecast FBIZ stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for FBIZ is 61 USD with a low forecast of 61 USD and a high forecast of 61 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

1 Buy

0 Hold

0 Sell

Moderate Buy

Current: 59.510

Low

Averages

High

Current: 59.510

Low

Averages

High

Piper Sandler

Nathan Race

Overweight

maintain

$61 -> $70

AI Analysis

2026-02-03

New

Reason

Piper Sandler

Nathan Race

Price Target

$61 -> $70

AI Analysis

2026-02-03

New

maintain

Overweight

Reason

Piper Sandler analyst Nathan Race raised the firm's price target on First Business Financial to $70 from $61 and keeps an Overweight rating on the shares. The firm says that apart from some credit noise that also resulted in net interest margin compression, First Business generated solid Q4 results with 6% PPNR upside on good cost controls and continued strong core deposit gathering that helped further reduce its wholesale funding reliance.

Keefe Bruyette

Damon DelMonte

Outperform

maintain

$59 -> $63

2026-02-02

Reason

Keefe Bruyette

Damon DelMonte

Price Target

$59 -> $63

2026-02-02

maintain

Outperform

Reason

Keefe Bruyette analyst Damon DelMonte raised the firm's price target on First Business Financial to $63 from $59 and keeps an Outperform rating on the shares.

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FBIZ Should I Buy

FBIZ Should I Buy

Should You Buy First Business Financial Services Inc (FBIZ) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Options Data

Technical Summary

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

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