What is First Business Financial Services PEG Ratio?
First Business Financial ServicesFRA:45D 71 PEG Ratio is 0.88 as of Jul. 04, 2026, which is 17% below its 10-year median of 1.06. 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. Among 1,228 Banks companies, First Business Financial Services ranks better than 73.45% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
FRA:45D'
s PEG Ratio Range Over the Past 10 Years
Min: 0.57 Med: 1.06 Max: 2.06
Current: 0.86
During the past 13 years, First Business Financial Services's highest PEG Ratio was 2.06. The lowest was 0.57. And the median was 1.06.
FRA:45D's PEG Ratio is ranked better than 73.45% of 1228
companies
in the Banks industry
Industry Median: 1.53
vs FRA:45D: 0.86
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
First Business Financial Services (FRA:45D) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
First Business Financial Services PEG Ratio Related Terms
First Business Financial Services PEG Ratio 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.
For the Banks - Regional subindustry, First Business Financial Services's PEG Ratio, along with its competitors' market caps and PEG Ratio 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, First Business Financial Services's PEG Ratio distribution charts can be found below:
* The bar in red indicates where First Business Financial Services's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
First Business Financial Services (FRA:45D) has a PEG Ratio of 0.88 as of Jul. 04, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on First Business Financial Services and its competitors. This is 17% below median its historical median of 1.06. Over the past decade, First Business Financial Services' PEG Ratio has ranged from 0.57 to 2.06. According to the industry distribution chart, First Business Financial Services ranks #326 out of 1228 companies in the Banks industry, placing it in the top 26.5%.
Is First Business Financial Services' PEG Ratio too high?
First Business Financial Services' current PEG Ratio of 0.88 is 17% below median its 10-year median of 1.06. Over the past 10 years, this metric has ranged from a low of 0.57 to a high of 2.06. The Banks industry median PEG Ratio is 1.53. First Business Financial Services' value of 0.88 is 42.5% below this industry median. Based on the distribution chart, First Business Financial Services ranks #326 out of 1228 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' PEG Ratio compare to WCCB and BSRR?
According to the Banks industry distribution chart, First Business Financial Services ranks #326 out of 1228 companies for PEG Ratio. This puts First Business Financial Services in the upper half of its industry. The industry median PEG Ratio is 1.53. First Business Financial Services' value of 0.88 is 42.5% below this benchmark. Historically, First Business Financial Services' own PEG Ratio has ranged from 0.57 to 2.06 over the past decade. While the company's 10-year median is 1.06 vs. the industry median of 1.53, First Business Financial Services has consistently been below 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.53, based on 1,228 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Business Financial Services's current PEG Ratio of 0.88 is 42.5% below 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on First Business Financial Services and its competitors. For the Banks industry, the median PEG Ratio is 1.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Business Financial Services's current PEG Ratio is 0.88, which is 17% below median its own 10-year median of 1.06. 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 PEG Ratio is 0.88, which is 17% below median its 10-year median of 1.06 and 42.5% below the Banks industry median of 1.53. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For First Business Financial Services (FRA:45D), the current PEG Ratio is 0.88 as of Jul. 04, 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:
PEG Ratio: 0.88 (17% below median its 10-year median of 1.06)
GF Value™: €46.24 vs. price of €56.00 (21.1% above fair value)
Industry Position: 42.5% below the Banks median (#326 of 1228)
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
Get the complete analysis for FRA:45D
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