First Business Financial Services (FRA:45D) Margin of Safety % (DCF Dividends Based): 24.97% (As of Jul. 05, 2026)


FRA:45D First Business Financial Services Inc FRA:45D
71 GF Score
Price €56.00
GF Value €46.24
Valuation Modestly Overvalued
! 6 Warning Signs
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What is First Business Financial Services Margin of Safety % (DCF Dividends Based)?

First Business Financial Services FRA:45D 71 Margin of Safety % (DCF Dividends Based) is 24.97% as of Jul. 05, 2026. GuruFocus rates FRA:45D with a GF Score™ of 71/100 and a GF Value™ of €46.24 (Modestly Overvalued). The stock has 6 warning signs investors should review.

Margin of Safety % (DCF Dividends Based) = (Intrinsic Value: DCF (Dividends Based) - Current Price) / Intrinsic Value: DCF (Dividends Based).

Note: Discounted Dividend model is only suitable for companies who have a consistant distribution history with more than 5 years. If the company's dividends does not remain steady over a long period, results may not be accurate due to the low consistency. The model is also only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, the data will not be stored into our database.

As of today (2026-07-05), First Business Financial Services's Predictability Rank is 4-Stars. First Business Financial Services's intrinsic value calculated from the Discounted Dividend model is €121.26 and current share price is €56.00. Consequently,

First Business Financial Services's Margin of Safety % (DCF Dividends Based) using Discounted Dividend model is 24.97%.

FRA:45D vs WCCB, BSRR, HBCP: Margin of Safety % (DCF Dividends Based) Comparison

For the Banks - Regional subindustry, First Business Financial Services's Margin of Safety % (DCF Dividends Based), along with its competitors' market caps and Margin of Safety % (DCF Dividends Based) 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 Margin of Safety % (DCF Dividends Based) vs Banks Industry

For the Banks industry and Financial Services sector, First Business Financial Services's Margin of Safety % (DCF Dividends Based) distribution charts can be found below:

* The bar in red indicates where First Business Financial Services's Margin of Safety % (DCF Dividends Based) falls into.


FRA:45D
71GF Score
First Business Financial Services Inc FRA:45D
Margin of Safety % (DCF Dividends Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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First Business Financial Services Margin of Safety % (DCF Dividends Based) Calculation

First Business Financial Services's Margin of Safety % (DCF Dividends Based) for today is calculated as

Margin of Safety % (DCF Dividends Based)=(Intrinsic Value: DCF (Dividends Based)-Current Price)/Intrinsic Value: DCF (Dividends Based)
=(74.64-56.00)/74.64
=24.97 %

* 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.

The intrinsic value is calculated from the Discounted Dividend model with default parameters.

What does a Margin of Safety % (DCF Dividends Based) of 24.97% mean?
First Business Financial Services (FRA:45D) has a Margin of Safety % (DCF Dividends Based) of 24.97% as of Jul. 05, 2026. Margin of Safety % (DCF Dividends Based) is the percent difference between the current price and the intrinsic DCF Dividends price. View historical data on First Business Financial Services.
Is First Business Financial Services' Margin of Safety % (DCF Dividends Based) too high?
First Business Financial Services' current Margin of Safety % (DCF Dividends Based) is 24.97%. Overall, First Business Financial Services has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Business Financial Services' Margin of Safety % (DCF Dividends Based) compare to WCCB and BSRR?
First Business Financial Services' Margin of Safety % (DCF Dividends Based) of 24.97% 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 Margin of Safety % (DCF Dividends Based) for a Banks company?
A good Margin of Safety % (DCF Dividends Based) depends on the Banks industry context. However, Margin of Safety % (DCF Dividends Based) 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 Margin of Safety % (DCF Dividends Based) mean?
A high Margin of Safety % (DCF Dividends Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Dividends Based) is the percent difference between the current price and the intrinsic DCF Dividends price. View historical data on First Business Financial Services. First Business Financial Services's current Margin of Safety % (DCF Dividends Based) is 24.97%. 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 Margin of Safety % (DCF Dividends Based) is 24.97%. First Business Financial Services' overall GF Score™ is 71/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF Dividends Based) calculated?
Margin of Safety % (DCF Dividends Based) is calculated from a company's financial statements. For First Business Financial Services (FRA:45D), the current Margin of Safety % (DCF Dividends Based) is 24.97% as of Jul. 05, 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:

  • Margin of Safety % (DCF Dividends Based): 24.97%
  • GF Value™: €46.24 vs. price of €56.00 (21.1% above fair value)
  • GF Score™: 71/100 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

Other Exchanges FBIZ:USA
Address 401 Charmany Drive, Madison, WI, USA, 53719
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.
71GF Score

Get the complete analysis for FRA:45D

Margin of Safety % (DCF Dividends Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€56.00
Price
€46.24
GF Value