Donegal Group Inc. (DGICB) vs First Business Financial Services, Inc. (FBIZ)
A side-by-side comparison of Donegal Group Inc. and First Business Financial Services, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — DGICB vs FBIZ
growth of $100 · dividends reinvested · last 10yDGICB vs FBIZ: by the numbers
- •FBIZ is the larger company ($596M vs $547M market cap).
- •DGICB trades at the lower trailing earnings multiple (8.51 vs 10.74 P/E), one valuation lens rather than an overall verdict.
- •FBIZ converts more revenue to profit (19.28% vs 7.38% net margin).
- •FBIZ grew revenue faster over the past five years (18.40% vs 3.86% CAGR).
- •DGICB pays the higher dividend yield (3.89% vs 1.85%).
Metrics side by side
Valuation
| Metric | DGICB | FBIZ |
|---|---|---|
| P/E ratio | 8.51 | 10.74 |
| Forward P/E | 9.36 | 10.89 |
| PEG ratio | 2.39 | 0.43 |
| P/S ratio | 0.57 | 2.07 |
| P/B ratio | 0.82 | 1.55 |
Profitability
| Metric | DGICB | FBIZ |
|---|---|---|
| Operating margin | 9.10% | 22.51% |
| Net margin | 7.38% | 19.28% |
| ROE | 10.67% | 14.04% |
Donegal Group Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
First Business Financial Services, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | DGICB | FBIZ |
|---|---|---|
| Dividend yield | 3.89% | 1.85% |
| Payout ratio | 34.34% | 19.76% |
Growth (annualized)
| Metric | DGICB | FBIZ |
|---|---|---|
| Revenue CAGR (5Y) | 3.86% | 18.40% |
| EPS CAGR (5Y) | 4.28% | 25.20% |
| Total return CAGR (5Y) | 7.50% | 22.36% |
Frequently asked
- Which has the lower trailing P/E, DGICB or FBIZ?
- DGICB has the lower trailing P/E: DGICB trades at 8.51 and FBIZ at 10.74. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, DGICB or FBIZ?
- Over the past five years, FBIZ grew revenue faster — DGICB at a 3.86% CAGR versus FBIZ at 18.40%.
- Does DGICB or FBIZ pay a bigger dividend?
- DGICB yields 3.89% and FBIZ yields 1.85% based on trailing dividends and the latest price.
- Is DGICB or FBIZ more profitable?
- FBIZ runs the higher net margin — DGICB at 7.38% versus FBIZ at 19.28%.
- How have DGICB and FBIZ total returns compared?
- Over the past 10 years, DGICB delivered 2.95% and FBIZ delivered 14.83% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Donegal & First Business Financial Services appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.