First Business Financial Services (FRA:45D) Risk Assessment

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:45D First Business Financial Services Inc FRA:45D
66 GF Score
Price €57.50
GF Value €45.43
! 6 Warning Signs
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What is First Business Financial Services Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of First Business Financial Services is: No Data: Cannot be evaluated.

First Business Financial Services  (FRA:45D) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

First Business Financial Services Risk Assessment Related Terms

FRA:45D vs WCCB, BSRR, HBCP: Risk Assessment Comparison

For the Banks - Regional subindustry, First Business Financial Services's Risk Assessment, along with its competitors' market caps and Risk Assessment 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 Risk Assessment vs Banks Industry

For the Banks industry and Financial Services sector, First Business Financial Services's Risk Assessment distribution charts can be found below:

* The bar in red indicates where First Business Financial Services's Risk Assessment falls into.


FRA:45D
66GF Score
First Business Financial Services Inc FRA:45D
Risk Assessment is just one metric. See GF Score™, valuation, warning signs, and more.
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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 €57.50 is trading 26.6% above its estimated GF Value™ of €45.43.

Key valuation signals for FRA:45D:

  • Risk Assessment:
  • GF Value™: €45.43 vs. price of €57.50 (26.6% above fair value)
  • GF Score™: 66/100 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.
66GF Score

Get the complete analysis for FRA:45D

Risk Assessment is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€57.50
Price
€45.43
GF Value