First Business Financial Services (FBIZ) Competitors

First Business Financial Services (NASDAQ:FBIZ) and Unity Bancorp (NASDAQ:UNTY) are both small-cap finance companies, but which is the better business? We will contrast the two businesses based on the strength of their risk, media sentiment, institutional ownership, valuation, dividends, analyst recommendations, earnings, profitability and community ranking.

Does the MarketBeat Community believe in FBIZ or UNTY?

First Business Financial Services received 87 more outperform votes than Unity Bancorp when rated by MarketBeat users. However, 64.09% of users gave Unity Bancorp an outperform vote while only 59.81% of users gave First Business Financial Services an outperform vote.

Company	Underperform	Outperform
First Business Financial Services	Outperform Votes 253 59.81%	Underperform Votes 170 40.19%
Unity Bancorp	Outperform Votes 166 64.09%	Underperform Votes 93 35.91%

Does the media prefer FBIZ or UNTY?

In the previous week, First Business Financial Services had 2 more articles in the media than Unity Bancorp. MarketBeat recorded 4 mentions for First Business Financial Services and 2 mentions for Unity Bancorp. Unity Bancorp's average media sentiment score of 1.24 beat First Business Financial Services' score of 1.17 indicating that Unity Bancorp is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
First Business Financial Services	2 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Unity Bancorp	0 Very Positive mention(s)	1 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Do analysts rate FBIZ or UNTY?

First Business Financial Services currently has a consensus price target of $50.00, indicating a potential upside of 0.36%. Unity Bancorp has a consensus price target of $41.50, indicating a potential downside of 8.47%. Given First Business Financial Services' higher possible upside, equities analysts plainly believe First Business Financial Services is more favorable than Unity Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Business Financial Services	0 Sell rating(s)	0 Hold rating(s)	4 Buy rating(s)	0 Strong Buy rating(s)	3.00
Unity Bancorp	0 Sell rating(s)	0 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	3.00

Do insiders and institutionals believe in FBIZ or UNTY?

60.1% of First Business Financial Services shares are owned by institutional investors. Comparatively, 42.3% of Unity Bancorp shares are owned by institutional investors. 6.3% of First Business Financial Services shares are owned by company insiders. Comparatively, 28.9% of Unity Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Which has more risk and volatility, FBIZ or UNTY?

First Business Financial Services has a beta of 0.83, suggesting that its share price is 17% less volatile than the S&P 500. Comparatively, Unity Bancorp has a beta of 0.99, suggesting that its share price is 1% less volatile than the S&P 500.

Is FBIZ or UNTY a better dividend stock?

First Business Financial Services pays an annual dividend of $1.00 per share and has a dividend yield of 2.0%. Unity Bancorp pays an annual dividend of $0.52 per share and has a dividend yield of 1.1%. First Business Financial Services pays out 21.5% of its earnings in the form of a dividend. Unity Bancorp pays out 13.4% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. First Business Financial Services has raised its dividend for 12 consecutive years and Unity Bancorp has raised its dividend for 11 consecutive years. First Business Financial Services is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Is FBIZ or UNTY more profitable?

Unity Bancorp has a net margin of 24.46% compared to First Business Financial Services' net margin of 15.46%. Unity Bancorp's return on equity of 14.63% beat First Business Financial Services' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
First Business Financial Services	15.46%	13.70%	1.10%
Unity Bancorp	24.46%	14.63%	1.53%

Which has preferable valuation and earnings, FBIZ or UNTY?

Unity Bancorp has lower revenue, but higher earnings than First Business Financial Services. First Business Financial Services is trading at a lower price-to-earnings ratio than Unity Bancorp, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First Business Financial Services	$226.24M	1.83	$37.03M	$4.66	10.69
Unity Bancorp	$151.64M	2.99	$39.71M	$3.89	11.66

Summary

Unity Bancorp beats First Business Financial Services on 11 of the 20 factors compared between the two stocks.