First Business Financial Services (FRA:45D) ROC %: % (As of Mar. 2026)


FRA:45D First Business Financial Services Inc FRA:45D
71 GF Score
Price €54.50
GF Value €45.99
Valuation Modestly Overvalued
! 5 Warning Signs
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What is First Business Financial Services ROC %?

First Business Financial Services FRA:45D +7.92% 71 ROC % is % as of Mar. 2026. GuruFocus rates FRA:45D with a GF Score™ of 71/100 and a GF Value™ of €45.99 (Modestly Overvalued). The stock has 5 warning signs investors should review.

ROC %does not apply to banks.

FRA:45D
71GF Score
First Business Financial Services Inc FRA:45D
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
First Business Financial Services (FRA:45D) has a ROC % of % as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on First Business Financial Services and its competitors.
Is First Business Financial Services' ROC % too high?
First Business Financial Services' current ROC % is %. 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' ROC % compare to DBIN and FFMR?
First Business Financial Services' ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.98. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.98, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on First Business Financial Services and its competitors. For the Banks industry, the median ROC % is 1.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Business Financial Services's current ROC % is %. 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 €54.50 — trading 18.5% above its estimated fair value. The current ROC % is %. 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 ROC % calculated?
ROC % is calculated from a company's financial statements. For First Business Financial Services (FRA:45D), the current ROC % is % 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 €54.50 is trading 18.5% above its estimated GF Value™ of €45.99. GuruFocus considers First Business Financial Services to be Modestly Overvalued.

Key valuation signals for FRA:45D:

  • ROC %: %
  • GF Value™: €45.99 vs. price of €54.50 (18.5% above fair value)
  • GF Score™: 71/100 with 5 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

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

€54.50
Price
€45.99
GF Value