COMP <GO>
FBIZ vs CARE // EV/EBITDA & P/E VALUATION
First Business Financial Services Inc. (NASDAQ) VS. Carter Bankshares Inc. (NASDAQ) • 15-METRIC TALLY: FBIZ 5
— CARE 2
■ METRIC PARITY
LAST: $77.77 (+3.14%) • MKT CAP: $631.0M
valuation
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LAST: $29.00 (0.00%) • MKT CAP: $642.8M
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (FBIZ VS. CARE)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | FBIZ | CARE | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 13.50% | 7.50% | +6.00 | FBIZ | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 9.90% | 4.80% | +5.10 | FBIZ | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | 68.00% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | 4.60% | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.57% | 0.00% | +1.57 | FBIZ | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 6/9 | -1.00 | CARE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 66.7 | 38.6 | +28.10 | FBIZ | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 11.4x | 19.6x | -8.20 | FBIZ | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $631.0M | $642.8M | -$11.8M | CARE | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | FBIZ REV | CARE REV | FBIZ GROSS % | CARE GROSS % | FBIZ FCF | CARE FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.71B | $20.3M | — | — | $61.1M | $31.8M |
| FY 2024 | $1.62B | $19.4M | — | — | $57.3M | $28.8M |
| FY 2023 | $198.7M | $17.3M | — | — | $52.3M | $46.7M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
FBIZ // BETA —
CARE // BETA —