FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
First Business Financial Services FCF Yield % Explanation
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
First Business Financial Services FCF Yield % Related Terms
First Business Financial Services FCF Yield % Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
First Business Financial Services FCF Yield % Chart
FRA:45D vs WCCB, BSRR, HBCP: FCF Yield % Comparison
For the Banks - Regional subindustry, First Business Financial Services's FCF Yield %, along with its competitors' market caps and FCF Yield % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
First Business Financial Services FCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, First Business Financial Services's FCF Yield % distribution charts can be found below:
* The bar in red indicates where First Business Financial Services's FCF Yield % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
First Business Financial Services (FRA:45D) has a FCF Yield % of 9.95 as of Jun. 29, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on First Business Financial Services and its competitors. This is 27% below median its historical median of 13.64. Over the past decade, First Business Financial Services' FCF Yield % has ranged from 7.84 to 23.55. According to the industry distribution chart, First Business Financial Services ranks #635 out of 1507 companies in the Banks industry, placing it in the top 42.1%.
Is First Business Financial Services' FCF Yield % too high?
First Business Financial Services' current FCF Yield % of 9.95 is 27% below median its 10-year median of 13.64. Over the past 10 years, this metric has ranged from a low of 7.84 to a high of 23.55. The Banks industry median FCF Yield % is 8.14. First Business Financial Services' value of 9.95 is 22.2% above this industry median. Based on the distribution chart, First Business Financial Services ranks #635 out of 1507 companies in the Banks industry, which is above the industry midpoint. Overall, First Business Financial Services has a GF Score™ of 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Business Financial Services' FCF Yield % compare to WCCB and BSRR?
According to the Banks industry distribution chart, First Business Financial Services ranks #635 out of 1507 companies for FCF Yield %. This puts First Business Financial Services in the upper half of its industry. The industry median FCF Yield % is 8.14. First Business Financial Services' value of 9.95 is 22.2% above this benchmark. Historically, First Business Financial Services' own FCF Yield % has ranged from 7.84 to 23.55 over the past decade. While the company's 10-year median is 13.64 vs. the industry median of 8.14, First Business Financial Services has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.14, based on 1,507 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Business Financial Services's current FCF Yield % of 9.95 is 22.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on First Business Financial Services and its competitors. For the Banks industry, the median FCF Yield % is 8.14 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Business Financial Services's current FCF Yield % is 9.95, which is 27% below median its own 10-year median of 13.64. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Business Financial Services stock overvalued right now?
Based on GuruFocus' analysis, First Business Financial Services (FRA:45D) is currently considered Modestly Overvalued. The stock's GF Value™ is €42.30, compared to a current price of €51.00 — trading 20.6% above its estimated fair value. The current FCF Yield % is 9.95, which is 27% below median its 10-year median of 13.64 and 22.2% above the Banks industry median of 8.14. First Business Financial Services' overall GF Score™ is 73/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For First Business Financial Services (FRA:45D), the current FCF Yield % is 9.95 as of Jun. 29, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is First Business Financial Services (FRA:45D) Overvalued in 2026?
Based on GuruFocus' analysis, First Business Financial Services stock appears to be overvalued.
The current stock price of €51.00 is trading 20.6% above its estimated GF Value™ of €42.30.
GuruFocus considers First Business Financial Services to be Modestly Overvalued.
Key valuation signals for FRA:45D:
FCF Yield %: 9.95 (27% below median its 10-year median of 13.64)
GF Value™: €42.30 vs. price of €51.00 (20.6% above fair value)
Industry Position: 22.2% above the Banks median (#635 of 1507)
No single metric tells the full story. See the FRA:45D stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First Business Financial Services Business Description
First Business Financial Services Inc operates as a bank holding company. The Bank operates as a business bank, delivering a full line of commercial banking products, including commercial loans and commercial real estate loans, to meet the specific needs of small and medium-sized businesses, business owners, executives, professionals, and high-net-worth individuals. The company's products and services include commercial lending, SBA lending and servicing, asset-based lending, equipment financing, factoring, trust, and investment services, treasury management services, and a broad range of deposit products. Geographically, all the business activity functioned through the region of the United States.
73GF Score
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FCF Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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