First Business Financial Services (FRA:45D) Volatility: 11.63% (As of Jun. 25, 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 Volatility?

First Business Financial Services FRA:45D +7.92% 71 Volatility is 11.63% as of Jun. 25, 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.

Volatility is a statistical measure of the dispersion of returns for a given security or market index, it shows how the price swings around its mean. The volatility here is measured as the annualized standard deviation between monthly returns from the security over the past year. In most cases, the higher the volatility, the riskier the security.

As of today (2026-06-25), First Business Financial Services's Volatility is 11.63%.


First Business Financial Services  (FRA:45D) Volatility Explanation

Volatility is a statistical measure of the dispersion of returns for a given security or market index. It’s often measured as standard deviation or variance of historical returns over a certain period. The volatility here is measured as the annualized standard deviation between monthly returns from the security over the past year.

Volatility reflects the uncertainty or risk of a security’s value. Generally speaking, a higher volatility suggests a higher risk, because it implies a wider fluctuation around average price. This means the price of the security can change dramatically in either direction within a short period. Conversely, a lower volatility means that the security's price is more steady, which suggests a lower risk.

Another measurement of relative volatility is Beta. Beta is a measure of systematic risk of a security or a portfolio in comparison to the market as a whole. Beta is usually compared to 1. A beta of greater than 1 indicates that the security's price will be more volatile than the market.


First Business Financial Services Volatility Related Terms


FRA:45D vs DBIN, FFMR, COFS: Volatility Comparison

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

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

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


FRA:45D
71GF Score
First Business Financial Services Inc FRA:45D
Volatility is just one metric. See GF Score™, valuation, warning signs, and more.
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First Business Financial Services  (FRA:45D) Volatility Calculation

The annualized volatility is calculated as following:

σA=σM * 12
= 1/(n-1) ∑(Ri - R')^2 * 12

Where: σM is the monthly volatility, n is the number of months in the period, Ri is the security's historical monthly returns and R' is the arithmetic mean of monthly returns.

* 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.

Frequently Asked Questions Learn more about Volatility →
What does a Volatility of 11.63% mean?
First Business Financial Services (FRA:45D) has a Volatility of 11.63% as of Jun. 25, 2026. Volatility is measured as the annualized standard deviation between monthly returns from the security over the past year. View historical data on First Business Financial Services and its competitors.
Is First Business Financial Services' Volatility too high?
First Business Financial Services' current Volatility is 11.63%. 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' Volatility compare to DBIN and FFMR?
First Business Financial Services' Volatility of 11.63% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Volatility for a Banks company?
A good Volatility depends on the Banks industry context. However, Volatility 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 Volatility mean?
A high Volatility can signal that a stock is expensive relative to its fundamentals. Volatility is measured as the annualized standard deviation between monthly returns from the security over the past year. View historical data on First Business Financial Services and its competitors. First Business Financial Services's current Volatility is 11.63%. 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 Volatility is 11.63%. 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 Volatility calculated?
Volatility is calculated from a company's financial statements. For First Business Financial Services (FRA:45D), the current Volatility is 11.63% as of Jun. 25, 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:

  • Volatility: 11.63%
  • 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

Get the complete analysis for FRA:45D

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

€54.50
Price
€45.99
GF Value