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First Business Financial ServicesFRA:45D 73 Shareholder Yield % is 4.77% as of Jun. 2026, which is 176% above its 10-year median of 1.73. GuruFocus rates FRA:45D with a GF Score™ of 73/100 and a GF Value™ of €46.61 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,501 Banks companies, First Business Financial Services ranks better than 66.22% on this metric.
Shareholder Yield % is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. It is a measure of shareholder return.
As of today, First Business Financial Services's Shareholder Yield % was 4.77%.
First Business Financial Services (FRA:45D) Shareholder Yield % Explanation
Shareholder Yield % is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. The term was coined by William W. Priest of Epoch Investment Partners in a paper in 2005 entitled The Case for Shareholder Yield as a Dominant Driver of Future Equity Returns. William Priest indicated that "shareholder yield is a term that we came up with to reflect the various ways dividends can be paid to owners of a business in a publicly-traded company."
Dividend Yield % shows how much a company pays out in dividends each year relative to its stock price, which is most obvious form of shareholder return.
Buyback Yield % is the net repurchase of shares outstanding over the market capital of the company. Shares repurchases also increase shareholder value by returning the money back to shareholders.
Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced.
First Business Financial Services Shareholder Yield % Related Terms
First Business Financial Services Shareholder Yield % 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 Shareholder Yield % Chart
FRA:45D vs GCBC, HBCP, BSRR: Shareholder Yield % Comparison
For the Banks - Regional subindustry, First Business Financial Services's Shareholder Yield %, along with its competitors' market caps and Shareholder Yield % 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 Shareholder Yield % vs Banks Industry
For the Banks industry and Financial Services sector, First Business Financial Services's Shareholder Yield % distribution charts can be found below:
* The bar in red indicates where First Business Financial Services's Shareholder Yield % 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.
* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Shareholder Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.
First Business Financial Services (FRA:45D) has a Shareholder Yield % of 4.77% as of Jun. 2026. Shareholder Yield is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. View historical data on First Business Financial Services and its competitors. This is 176% above median its historical median of 1.73. According to the industry distribution chart, First Business Financial Services ranks #507 out of 1501 companies in the Banks industry, placing it in the top 33.8%.
Is First Business Financial Services' Shareholder Yield % too high?
First Business Financial Services' current Shareholder Yield % of 4.77% is 176% above median its 10-year median of 1.73. The Banks industry median Shareholder Yield % is 1.46. First Business Financial Services' value of 4.77% is 226.7% above this industry median. Based on the distribution chart, First Business Financial Services ranks #507 out of 1501 companies in the Banks industry, which is above the industry midpoint. Overall, First Business Financial Services has a GF Score™ of 73/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Business Financial Services' Shareholder Yield % compare to GCBC and HBCP?
According to the Banks industry distribution chart, First Business Financial Services ranks #507 out of 1501 companies for Shareholder Yield %. This puts First Business Financial Services in the upper half of its industry. The industry median Shareholder Yield % is 1.46. First Business Financial Services' value of 4.77% is 226.7% above this benchmark. While the company's 10-year median is 1.73 vs. the industry median of 1.46, 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 Shareholder Yield % for a Banks company?
The median Shareholder Yield % among Banks companies is 1.46, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a Shareholder Yield % significantly above this median, while those in the bottom quartile fall well below. However, Shareholder Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Business Financial Services's current Shareholder Yield % of 4.77% is 226.7% 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 Shareholder Yield % mean?
A high Shareholder Yield % can signal that a stock is expensive relative to its fundamentals. Shareholder Yield is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. View historical data on First Business Financial Services and its competitors. For the Banks industry, the median Shareholder Yield % is 1.46 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Business Financial Services's current Shareholder Yield % is 4.77%, which is 176% above median its own 10-year median of 1.73. 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 Significantly Overvalued. The stock's GF Value™ is €46.61, compared to a current price of €61.50 — trading 31.9% above its estimated fair value. The current Shareholder Yield % is 4.77%, which is 176% above median its 10-year median of 1.73 and 226.7% above the Banks industry median of 1.46. First Business Financial Services' overall GF Score™ is 73/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Shareholder Yield % calculated?
Shareholder Yield % is calculated from a company's financial statements. For First Business Financial Services (FRA:45D), the current Shareholder Yield % is 4.77% as of Jun. 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 €61.50 is trading 31.9% above its estimated GF Value™ of €46.61.
GuruFocus considers First Business Financial Services to be Significantly Overvalued.
Key valuation signals for FRA:45D:
Shareholder Yield %: 4.77% (176% above median its 10-year median of 1.73)
GF Value™: €46.61 vs. price of €61.50 (31.9% above fair value)
Industry Position: 226.7% above the Banks median (#507 of 1501)
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 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.
73GF Score
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Shareholder Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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