First Business Financial Services

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First Business Financial Services is a publicly traded financial corporation that provides a range of banking and financial services. The company is headquartered in Madison, Wisconsin and was founded in 1990.
The company’s main subsidiary is First Business Bank, which offers commercial banking services to businesses and their owners, executives, and employees. These services include lending, deposit accounts, remote deposit, treasury management, asset-based lending, and equipment finance. First Business also offers private wealth management and trust services through its subsidiary, First Business Trust & Investments.
Outside of banking services, First Business also owns subsidiaries that provide employee benefits consulting, property and casualty insurance, and data center services.
First Business Financial Services is listed on the Nasdaq stock exchange under the ticker symbol FBIZ. As of 2021, the company has over $3 billion in assets and serves clients in the Midwest and nationally.
History
First Business Financial Services was founded in 1990 by Jerry Smith, who believed there was a need for a Midwest-based business bank that focused on serving the unique needs of business owners and executives. The company raised $11 million in initial capital and opened its first office in Madison, Wisconsin.
In 1997, First Business Financial Services became a publicly traded company and expanded its banking services to include commercial lending. In 1999, the company opened a trust and investments division, which later became First Business Trust & Investments.
Over the next two decades, First Business continued to expand its banking and financial services, opening regional offices in Milwaukee, Appleton, and Green Bay, Wisconsin, and Kansas City and Overland Park, Kansas. The company also acquired several subsidiaries, including First Business Capital Corp. (now First Business Equipment Finance), First Business Growth Funding (now First Business Bank SBA Lending), and Alterra Bank (now First Business Bank).
In 2018, Jerry Smith retired as CEO and was succeeded by Corey Chambas, who has been with First Business since 1994.
In response to the COVID-19 pandemic in 2020, First Business provided financial assistance to small businesses through the Paycheck Protection Program (PPP) and pledged $100,000 to local nonprofits in the communities it serves.
In November 2020, First Business announced plans to acquire Aslin Group, Inc., a commercial insurance brokerage and employee benefits consulting firm. The acquisition was completed in December 2020 and expanded First Business’ employee benefits consulting capabilities.
In 2021, First Business announced plans to open an office in the Twin Cities region of Minnesota, further expanding its presence in the Midwest.
Leadership
First Business Financial Services is led by a team of executives with decades of experience in banking and finance:
* Corey Chambas, President and CEO
* Edward Sloane, Chief Risk Officer
* David Seiler, Chief Operating Officer and Chief Financial Officer
* Michael Losenegger, Regional President and Executive Vice President of First Business Bank
* Lee Drumm, President and CEO of First Business Capital Corp.
* James Ropella, Executive Vice President and Chief Credit Officer
Community involvement
First Business Financial Services places a high value on community involvement and philanthropy. The company supports a range of charitable causes through financial contributions and volunteerism, focusing on education, healthcare, and community development. Some of the organizations that First Business supports include United Way, Junior Achievement, and the American Heart Association.
In addition, the First Business First Business Volunteer Network (FBVN) provides employees with opportunities to volunteer their time and skills to local nonprofits. Through this program, employees have volunteered at food banks, participated in charity walks and runs, and served on nonprofit boards.
References
- First Business Financial Services, Inc. (FBIZ) Company Profile & Facts - Yahoo Finance (https://finance.yahoo.com/quote/FBIZ/profile/).
- First Business Financial Services, Inc. Announces 2019 Results (https://finance.yahoo.com/news/first-business-financial-services-inc-120010574.html).
- First Business Financial Services LinkedIn (https://www.linkedin.com/company/first-business-financial-services-inc).
- Our Subsidiaries First Business (https://firstbusiness.com/about/our-subsidiaries/).
- FBIZ Profile First Business Financial Services, Inc. Stock - Yahoo Finance (https://finance.yahoo.com/quote/FBIZ/profile?p=FBIZ).
- Our History First Business (https://firstbusiness.com/about/our-history/).
- Jerry Smith Retires as CEO of First Business Financial Services, Inc. (https://www.globenewswire.com/news-release/2018/12/31/1682110/0/en/Jerry-Smith-Retires-as-CEO-of-First-Business-Financial-Services-Inc.html). 2018-12-31.
- First Business Pledges to Donate $100,000 to Local Nonprofits to Help Communities Struggling from COVID-19 Business Wire (https://www.businesswire.com/news/home/20200604005084/en/). 2020-06-04.
- First Business Financial Services Completes the Acquisition of Aslin Group, Inc Business Wire (https://www.businesswire.com/news/home/20201201006132/en/). 2020-12-01.
- First Business Financial Services to Expand to Twin Cities Market Business Wire (https://www.businesswire.com/news/home/20210908005752/en/). 2021-09-08.
- First Business Financial Services, Inc. Elects David Seiler COO, Chief Financial Officer and Treasurer Business Wire (https://www.businesswire.com/news/home/20180815005183/en/). 2018-08-15.
- First Business Financial Services adds Michael Losenegger to management team (https://madison.com/business/first-business-financial-services-adds-michael-losenegger-to-management-team/article_8ff723fe-f749-5dd5-a4c2-1a2aa1dbba50.html). 2012-10-31.
- First Business Promotes Lee Drumm to President of First Business Capital Corp. Business Wire (https://www.businesswire.com/news/home/20190827005062/en/). 2019-08-27.
- First Business Announces Jim Ropella appointment to Executive Vice President and Chief Credit Officer Business Wire (https://www.businesswire.com/news/home/20190716005938/en/). 2019-07-16.
- First Business Volunteer Network volunteer network First Business (https://firstbusiness.com/about/community/involvement/volunteer-network/).
External links
* First Business Financial Services official website (https://firstbusiness.com/)
Category:Financial services companies of the United States
Category:Companies based in Madison, Wisconsin
Category:Companies listed on the Nasdaq
Category:Banks established in 1990
Category:1990 establishments in Wisconsin

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AI can indeed pose a material threat to First Business Financial Services in various ways:
1. Substitution: AI technologies could enable new financial services that directly compete with First Business Financial Services’ offerings. For instance, AI-driven financial planning tools, robo-advisors, and alternative lending platforms can provide similar services with lower costs and increased efficiency. This can attract customers away from traditional financial service providers.
2. Disintermediation: AI has the potential to facilitate direct transactions between clients and service providers, bypassing traditional intermediaries. For example, blockchain technology combined with AI can enable peer-to-peer lending or investment platforms, reducing the need for banks and financial advisors. This disintermediation threatens First Business Financial Services’ traditional role in facilitating transactions.
3. Margin Pressure: As AI technologies streamline operations and reduce costs for competitors, First Business Financial Services may face increased pressure on margins. Competitors using AI can offer lower fees and better services, making it challenging for the company to maintain its pricing strategies without sacrificing profitability. Moreover, the need to invest in AI and technology upgrades can further strain margins in a competitive market.
Overall, while AI presents opportunities for innovation and improved services, it also introduces significant risks that First Business Financial Services must navigate to maintain its competitive positioning. Adapting to AI advancements and evolving customer expectations will be crucial for the company’s ongoing success.

The sensitivity of First Business Financial Services, like any financial institution, to changes in interest rates is influenced by several key factors:
1. Earnings Sensitivity: First Business Financial Services primarily earns income through interest on loans and other financial products. An increase in interest rates can enhance net interest margins, as the rates charged on loans typically rise faster than the rates paid on deposits. However, if interest rates rise too quickly or too high, it could lead to a decrease in loan demand, negatively affecting earnings.
2. Cash Flow Sensitivity: Cash flow from operations is also affected by interest rates. Higher interest rates can result in higher interest expenses for the company if the firm has variable-rate debt. Conversely, if the company benefits from higher interest income on its lending, overall cash flows can remain stable or even improve. The net effect on cash flow will depend on the balance between interest income and interest expenses.
3. Valuation Sensitivity: The valuation of First Business Financial Services can be sensitive to interest rate changes due to the impact on future cash flows and the discount rate applied in valuation models. Higher interest rates generally lead to higher discount rates, which can reduce the present value of future earnings and cash flows, potentially lowering the company’s market valuation. Additionally, market perceptions of risk may affect the stock price, as higher rates can signal tighter monetary policy, which may influence growth expectations.
In summary, First Business Financial Services’ earnings, cash flow, and valuation are considerably sensitive to changes in interest rates. An increase in rates could bolster margins and cash inflows but may also dampen demand for loans and increase liabilities, ultimately affecting overall financial performance.

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