First Business Financial Services (FRA:45D) LT-Debt-to-Total-Asset: 0.07 (As of Mar. 2026)

What is First Business Financial Services LT-Debt-to-Total-Asset?

First Business Financial Services FRA:45D 72 LT-Debt-to-Total-Asset is 0.07 as of Mar. 2026. GuruFocus rates FRA:45D with a GF Score™ of 72/100 and a GF Value™ of €46.24 (Modestly Overvalued). The stock has 6 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. First Business Financial Services's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.07.

First Business Financial Services's long-term debt to total assets ratio declined from Mar. 2025 (0.08) to Mar. 2026 (0.07). It may suggest that First Business Financial Services is progressively becoming less dependent on debt to grow their business.

First Business Financial Services (FRA:45D) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

First Business Financial Services LT-Debt-to-Total-Asset Related Terms

First Business Financial Services LT-Debt-to-Total-Asset Historical Data

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The historical data trend for First Business Financial Services's LT-Debt-to-Total-Asset can be seen below:

* 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 LT-Debt-to-Total-Asset Chart

First Business Financial Services Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.16

0.10

0.09

0.06

First Business Financial Services Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.08	0.07	0.07	0.06	0.07

72GF Score

First Business Financial Services Inc FRA:45D

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

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First Business Financial Services LT-Debt-to-Total-Asset Calculation

First Business Financial Services's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	221.538	/	3485.931
	=	0.06

First Business Financial Services's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	268.568	/	3737.54
	=	0.07

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.07 mean?

First Business Financial Services (FRA:45D) has a LT-Debt-to-Total-Asset of 0.07 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on First Business Financial Services and its competitors.

Is First Business Financial Services' LT-Debt-to-Total-Asset too high?

First Business Financial Services' current LT-Debt-to-Total-Asset is 0.07. Overall, First Business Financial Services has a GF Score™ of 72/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.

How does First Business Financial Services' LT-Debt-to-Total-Asset compare to WCCB and BSRR?

First Business Financial Services' LT-Debt-to-Total-Asset of 0.07 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on First Business Financial Services and its competitors. First Business Financial Services's current LT-Debt-to-Total-Asset is 0.07. 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 €46.24, compared to a current price of €56.00 — trading 21.1% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.07. First Business Financial Services' overall GF Score™ is 72/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For First Business Financial Services (FRA:45D), the current LT-Debt-to-Total-Asset is 0.07 as of Mar. 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 €56.00 is trading 21.1% above its estimated GF Value™ of €46.24. GuruFocus considers First Business Financial Services to be Modestly Overvalued.

Key valuation signals for FRA:45D:

LT-Debt-to-Total-Asset: 0.07
GF Value™: €46.24 vs. price of €56.00 (21.1% above fair value)
GF Score™: 72/100 with 6 warning signs

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

Industry Financial Services Banks

Comparable Companies WCCB BSRR HBCP GCBC OBT DBIN COFS CBNK SFST BWB SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Other Exchanges FBIZ:USA

Address 401 Charmany Drive, Madison, WI, USA, 53719

Website https://www.firstbusiness.bank

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.

72GF Score

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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€56.00

Price

€46.24

GF Value

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