Which has the lower trailing P/E, FBIZ or SFST?

FBIZ has the lower trailing P/E: FBIZ trades at 10.67 and SFST at 12.91. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, FBIZ or SFST?

Over the past five years, FBIZ grew revenue faster — FBIZ at a 18.40% CAGR versus SFST at 15.98%.

Does FBIZ or SFST pay a bigger dividend?

FBIZ pays a dividend (1.85% yield), while SFST has no payments in the available dividend history.

Is FBIZ or SFST more profitable?

FBIZ runs the higher net margin — FBIZ at 19.28% versus SFST at 18.71%.

How have FBIZ and SFST total returns compared?

Over the past 10 years, FBIZ delivered 14.83% and SFST delivered 8.45% annualized total return. Past performance doesn't predict future results.

First Business Financial Services, Inc. (FBIZ) vs Southern First Bancshares, Inc. (SFST)

A side-by-side comparison of First Business Financial Services, Inc. and Southern First Bancshares, 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.

FBIZ

First Business Financial Services, Inc.

$591M

$70.71Financial ServicesDelayed quote: Oct 6, 2026, 4:00 PM EDT

SFST

Southern First Bancshares, Inc.

$571M

$60.44Financial ServicesDelayed quote: Oct 6, 2026, 4:00 PM EDT

Total return — FBIZ vs SFST

growth of $100 · dividends reinvested · last 10y

FBIZ +296.0% (+14.8%/yr)SFST +128.7% (+8.6%/yr)FBIZ compounded faster over this window

FBIZ SFST

FBIZ vs SFST: by the numbers

•FBIZ is the larger company ($591M vs $571M market cap).
•FBIZ trades at the lower trailing earnings multiple (10.67 vs 12.91 P/E), one valuation lens rather than an overall verdict.
•FBIZ converts more revenue to profit (19.28% vs 18.71% net margin).
•FBIZ grew revenue faster over the past five years (18.40% vs 15.98% CAGR).
•FBIZ pays a dividend (1.85% yield), while SFST has no payments in the available dividend history.

Metrics side by side

Valuation

Metric	FBIZ	SFST
P/E ratio	10.67	12.91
Forward P/E	10.82	12.09
PEG ratio	0.42	1.31
P/S ratio	2.05	2.70
P/B ratio	1.54	1.26

Profitability

Metric	FBIZ	SFST
Operating margin	22.51%	24.12%
Net margin	19.28%	18.71%
ROE	14.04%	8.76%

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.

Southern First Bancshares, 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	FBIZ	SFST
Dividend yield	1.85%	N/A
Payout ratio	19.76%	N/A

Growth (annualized)

Metric	FBIZ	SFST
Revenue CAGR (5Y)	18.40%	15.98%
EPS CAGR (5Y)	25.20%	9.73%
Total return CAGR (5Y)	22.36%	2.17%

Frequently asked

Which has the lower trailing P/E, FBIZ or SFST?: FBIZ has the lower trailing P/E: FBIZ trades at 10.67 and SFST at 12.91. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, FBIZ or SFST?: Over the past five years, FBIZ grew revenue faster — FBIZ at a 18.40% CAGR versus SFST at 15.98%.
Does FBIZ or SFST pay a bigger dividend?: FBIZ pays a dividend (1.85% yield), while SFST has no payments in the available dividend history.
Is FBIZ or SFST more profitable?: FBIZ runs the higher net margin — FBIZ at 19.28% versus SFST at 18.71%.
How have FBIZ and SFST total returns compared?: Over the past 10 years, FBIZ delivered 14.83% and SFST delivered 8.45% annualized total return. Past performance doesn't predict future results.

Go deeper

Full FBIZ analysis Full SFST analysis Interactive comparison tool

Dig into the metrics

First Business Financial Services P/E ratio Southern First Bancshares P/E ratio First Business Financial Services dividend yield First Business Financial Services ROE Southern First Bancshares ROE First Business Financial Services operating margin Southern First Bancshares operating margin First Business Financial Services revenue growth Southern First Bancshares revenue growth

First Business Financial Services & Southern First Bancshares appear in these rankings

Fastest Revenue Growth Stocks Highest 10-Year Total Return Stocks Lowest P/E Ratio Stocks

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.