First Business Financial Services FBIZ Effective interest rate

Effective interest rate at other companies

T-Mobile USTMUS

4.2%+0.2pp

Trinity CapitalTRIN

19%0.0pp

Oppenheimer HoldingsOPY

5%-0.4pp

HRO

HarrowHROW

9.2%-1.5pp

Kayne Anderson BDCKBDC

9.2%—

Oaktree Specialty LendingOCSL

8.8%-0.2pp

Other financials

Income statement

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Revenue$44.3M+8.5%

Net income$12.2M+9.2%

EPS (diluted)$1.44+9.1%

Balance sheet

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Cash & equivalents$137.1M-19.6%

Total debt$7.0M-7.5%

Total equity$380.1M+13.1%

Total assets$4.3B+9.5%

Cash flow

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Operating cash flow$3.1M-73.0%

CapEx$135.0K+68.8%

Free cash flow$2.9M-74.0%

Valuation

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Market cap$526.15M+34.1%

Enterprise value$396.05M+72.8%

P/E10.3×+1.8×

P/S3.1×+0.6×

Profitability

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Net margin29.8%+0.4pp

FCF margin30.7%-7.4pp

Returns & leverage

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Return on equity14.3%-0.4pp

Debt / equity0×0.0×

Where this comes from

Reported directly by First Business Financial Services in its filing.

Tagged under the XBRL concept us-gaap:DebtInstrumentInterestRateDuringPeriod.

The official record: First Business Financial Services’s 10-Q, filed April 24, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is First Business Financial Services's effective interest rate?: First Business Financial Services (FBIZ) reported effective interest rate of 3.8% in Q1 2026.
How has First Business Financial Services's effective interest rate changed year-over-year?: First Business Financial Services's effective interest rate increased by 6.1% year-over-year, from 3.6% to 3.8%.