First Business Financial Services, Inc. (FBIZ)

FBIZ Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	51.4	44.25	37.03	40.86	35.76	16.98
Depreciation & Amortization	3.84	3.74	3.64	4.07	3.55	3.47
Gain (Loss) on Sale of Assets	0.03	0.18	0.09	-0.43	0.09	0.38
Gain (Loss) on Sale of Investments	6.66	6.39	4.05	0.68	-	2.4
Provision for Credit Losses	9.5	8.83	8.18	-3.87	-5.8	16.81
Net Decrease (Increase) in Loans Originated / Sold - Operating	-2.63	-6.97	0.1	3.48	9.17	-0.59
Accrued Interest Receivable	33.95	6.22	-21.5	-7.73	-6.77	-11.13
Change in Other Net Operating Assets	-	-	-	-	-	-1.4
Other Operating Activities	-7.83	-6.62	-0.8	-4.47	-1.62	-3.73
Operating Cash Flow	67.52	57.49	52.29	38.65	35.99	26.64
Operating Cash Flow Growth	38.18%	9.94%	35.31%	7.37%	35.13%	-8.11%
Capital Expenditures	-0.6	-0.22	-2.88	-3.22	-0.39	-0.26
Sale of Property, Plant and Equipment	-	0.03	-	-	0.04	-
Investment in Securities	-114.2	-63.34	-101.22	-40.77	-24.3	-3.98
Income (Loss) Equity Investments	3.16	3.31	4.92	0.72	0.37	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	-291.5	-267.41	-408.62	-199.47	-86.66	-439.22
Other Investing Activities	-18.07	2.47	5.87	-1.81	0.3	-11.04
Investing Cash Flow	-424.38	-328.47	-506.85	-245.27	-111.01	-454.51
Short-Term Debt Issued	-	-	-	-	-	29.61
Long-Term Debt Issued	-	1,153	1,579	2,442	798.3	1,319
Total Debt Issued	1,198	1,153	1,579	2,442	798.3	1,349
Short-Term Debt Repaid	-	-	-	-	-	-29.61
Long-Term Debt Repaid	-	-1,163	-1,705	-2,399	-814	-1,220
Total Debt Repaid	-1,280	-1,163	-1,705	-2,399	-814	-1,250
Net Debt Issued (Repaid)	-82.43	-10.87	-125.89	43.28	-15.7	99.06
Issuance of Common Stock	0.16	0.14	0.13	0.13	0.16	0.07
Repurchase of Common Stock	-1.39	-1.27	-2.97	-6.13	-5.48	-1.67
Preferred Stock Issued	-	-	-	11.99	-	-
Common Dividends Paid	-9.35	-8.32	-7.58	-6.69	-6.17	-5.65
Preferred Dividends Paid	-0.88	-0.88	-0.88	-0.68	-	-
Total Dividends Paid	-10.22	-9.2	-8.45	-7.37	-6.17	-5.65
Net Increase (Decrease) in Deposit Accounts	363.12	310.36	628.57	210.28	102.41	325.14
Other Financing Activities	-	-	-	-	-	0.74
Financing Cash Flow	269.24	289.17	491.39	252.19	75.22	417.68
Net Cash Flow	-87.62	18.19	36.83	45.57	0.2	-10.19
Free Cash Flow	66.92	57.27	49.41	35.42	35.6	26.37
Free Cash Flow Growth	38.35%	15.91%	39.48%	-0.50%	35.00%	-8.31%
Free Cash Flow Margin	42.34%	39.60%	36.41%	26.89%	30.03%	31.09%
Free Cash Flow Per Share	8.21	7.03	6.08	4.31	4.28	3.15
Cash Interest Paid	110.25	109.61	75.53	20.11	13.21	18.41
Cash Income Tax Paid	0.92	0.16	7.46	8.04	14.52	3.45

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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