FBIZ vs MSBI: stock comparison and AI forecast
First Business Financial Services, Inc. (FBIZ) and Midland States Bancorp, Inc. (MSBI) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
FBIZ First Business Financial Services, Inc.
- Price
- $74.18 +30.8% · 6M
- Market Cap
- $618M
- P/E Ratio
- 10.9x
- Size
- small-cap
- AI Forecast
MSBI Midland States Bancorp, Inc.
- Price
- $31.72 +11.9% · 6M
- Market Cap
- $660M
- P/E Ratio
- –
- Size
- small-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Six-month price performance
Closing prices rebased to 100 at the start of the window.
Key facts
- FBIZ and MSBI have similar market capitalizations ($618M and $660M).
- Over the last six months FBIZ returned +30.8% and MSBI +11.9%.
- FBIZ turns 33.5% of its revenue into net income, against -16.2% for MSBI.
- MSBI carries 11.83 times debt per unit of equity, against 9.98 times for FBIZ.
- MSBI yields 4.21% in dividends and FBIZ 1.80%.
- Both companies share the SEC industry classification State Commercial Banks.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | FBIZ | MSBI |
|---|---|---|
| Market Cap | $618M | $660M |
| P/E Ratio | 10.91x | – |
| P/B Ratio | 1.53x | 1.24x |
| Dividend Yield | 1.80% | 4.21% |
| EPS | $6.80 | $-4.59 |
| Book Value/Share | $48.58 | $25.54 |
| Revenue/Share | $20.64 | $21.02 |
| FCF/Share | $8.15 | $3.63 |
Profitability & Margins
| Metric | FBIZ | MSBI |
|---|---|---|
| ROE | 14.3% | -13.3% |
| ROA | 1.3% | -1.0% |
| Net Margin | 33.5% | -16.2% |
| EBT Margin | 38.9% | -10.7% |
| Tax Rate | 13.7% | -50.7% |
Financial Health
| Metric | FBIZ | MSBI |
|---|---|---|
| D/E Ratio | 9.98x | 11.83x |
| Financial Leverage | 10.98x | 12.83x |
Cash Flow
| Metric | FBIZ | MSBI |
|---|---|---|
| Operating Cash Flow | $68M | $78M |
| Free Cash Flow | $68M | $76M |
| Capital Spending | -$640K | -$2M |
| OCF Growth YoY | 1.4% | -63.1% |
| FCF Growth YoY | 1.4% | -43.0% |
| FCF/Sales | 39.5% | 17.3% |
| CapEx/Sales | 0.4% | 0.5% |
Operational Efficiency
| Metric | FBIZ | MSBI |
|---|---|---|
| Asset Turnover | 0.04x | 0.06x |
| Fixed Assets Turnover | 39.6x | 5.3x |
Income Statement
| Metric | FBIZ | MSBI |
|---|---|---|
| Total Revenue | $172M | $437M |
| Net Income | $58M | -$71M |
Dividend & Shareholder Information
| Metric | FBIZ | MSBI |
|---|---|---|
| Dividends Per Share | $1.33 | $1.34 |
| Payout Ratio | 19.6% | – |
| Shares Outstanding | 8M | 21M |
| Net Income Growth | 12.2% | -237.9% |
| EPS Growth | 12.2% | -568.4% |
FBIZ vs MSBI: stock comparison and AI forecast
Which is bigger, FBIZ or MSBI?
FBIZ and MSBI have similar market capitalizations ($618M and $660M).
Which stock performed better over the last six months, FBIZ or MSBI?
Over the last six months FBIZ returned +30.8% and MSBI +11.9%.
Which one does Intratio's AI model rank higher, FBIZ or MSBI?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.