The historical rank and industry rank for First Business Financial Services's Net Margin % or its related term are showing as below:
FRA:45D'
s Net Margin % Range Over the Past 10 Years
Min: 15.98 Med: 25.94 Max: 31.96
Current: 29.84
FRA:45D's Net Margin % is ranked better than 60.03% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs FRA:45D: 29.84
First Business Financial Services (FRA:45D) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
First Business Financial Services Net Margin % Related Terms
First Business Financial Services Net Margin % 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 Net Margin % Chart
FRA:45D vs DBIN, FFMR, COFS: Net Margin % Comparison
For the Banks - Regional subindustry, First Business Financial Services's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Business Financial Services's Net Margin % distribution charts can be found below:
* The bar in red indicates where First Business Financial Services's Net Margin % 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 Net Margin % of 27.54% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on First Business Financial Services and its competitors. This is near median its historical median of 25.94. Over the past decade, First Business Financial Services' Net Margin % has ranged from 15.98 to 31.96. According to the industry distribution chart, First Business Financial Services ranks #610 out of 1526 companies in the Banks industry, placing it in the top 40%.
Is First Business Financial Services' Net Margin % too high?
First Business Financial Services' current Net Margin % of 27.54% is near median its 10-year median of 25.94. Over the past 10 years, this metric has ranged from a low of 15.98 to a high of 31.96. The Banks industry median Net Margin % is 26.97. First Business Financial Services' value of 27.54% is 2.1% above this industry median. Based on the distribution chart, First Business Financial Services ranks #610 out of 1526 companies in the Banks industry, which is above the industry midpoint. 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' Net Margin % compare to DBIN and FFMR?
According to the Banks industry distribution chart, First Business Financial Services ranks #610 out of 1526 companies for Net Margin %. This puts First Business Financial Services in the upper half of its industry. The industry median Net Margin % is 26.97. First Business Financial Services' value of 27.54% is 2.1% above this benchmark. Historically, First Business Financial Services' own Net Margin % has ranged from 15.98 to 31.96 over the past decade. While the company's 10-year median is 25.94 vs. the industry median of 26.97, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Business Financial Services's current Net Margin % of 27.54% is 2.1% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on First Business Financial Services and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Business Financial Services's current Net Margin % is 27.54%, which is near median its own 10-year median of 25.94. 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 €45.99, compared to a current price of €55.50 — trading 20.7% above its estimated fair value. The current Net Margin % is 27.54%, which is near median its 10-year median of 25.94 and 2.1% above the Banks industry median of 26.97. First Business Financial Services' overall GF Score™ is 71/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For First Business Financial Services (FRA:45D), the current Net Margin % is 27.54% 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 €55.50 is trading 20.7% above its estimated GF Value™ of €45.99.
GuruFocus considers First Business Financial Services to be Modestly Overvalued.
Key valuation signals for FRA:45D:
Net Margin %: 27.54% (near median its 10-year median of 25.94)
GF Value™: €45.99 vs. price of €55.50 (20.7% above fair value)
Industry Position: 2.1% above the Banks median (#610 of 1526)
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.
71GF Score
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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