First Business Financial Services, Inc. (FBIZ)
NASDAQ: FBIZ · Real-Time Price · USD
70.44
-0.68 (-0.96%)
At close: Aug 10, 2026, 4:00 PM EDT
70.43
-0.01 (-0.01%)
After-hours: Aug 10, 2026, 7:34 PM EDT
FBIZ Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Income | 55.51 | 50.32 | 44.25 | 37.03 | 40.86 | 35.76 |
Depreciation & Amortization | 3.85 | 3.77 | 3.74 | 3.64 | 4.07 | 3.55 |
Provision for Credit Losses | 8.32 | 8.66 | 8.83 | 8.18 | -3.87 | -5.8 |
Stock-Based Compensation | 2.78 | 2.8 | 2.79 | 2.98 | 2.58 | 2.51 |
Net Change in Loans Held-for-Sale | 12.42 | -5.35 | -8.91 | -1.96 | 0.94 | 5.13 |
Other Adjustments | 0.15 | 1.89 | 3.44 | 8.38 | -3.23 | -1.11 |
Changes in Accrued Interest and Accounts Receivable | -4.71 | 20.8 | 6.24 | -21.38 | -7.73 | -6.77 |
Changes in Accounts Payable | 2.3 | -21.19 | -2.87 | 15.42 | 5.03 | 2.73 |
Operating Cash Flow | 81.4 | 61.7 | 57.49 | 52.29 | 38.65 | 35.99 |
Operating Cash Flow Growth | 29.40% | 7.31% | 9.94% | 35.31% | 7.37% | 35.13% |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Change in Loans Held-for-Investment | -341.7 | -268.34 | -267.41 | -408.62 | -199.47 | -86.66 |
Net Change in Securities and Investments | -25.56 | -67.5 | -45.06 | -75.65 | -27.83 | -20.31 |
Capital Expenditures | -0.48 | -0.6 | -0.22 | -2.88 | -3.22 | -0.39 |
Sale of Property, Plant & Equipment | 0.04 | - | - | 0.03 | - | 0.04 |
Other Investing Activities | -18.52 | -37.45 | -15.81 | -19.19 | -14.75 | -3.69 |
Investing Cash Flow | -385.72 | -373.38 | -328.47 | -506.85 | -245.27 | -111.01 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Change in Deposits | 286.94 | 273.28 | 310.36 | 628.57 | 210.28 | 102.41 |
Short-Term Debt Issued | 795.65 | 1,047 | 1,132 | 1,564 | 2,422 | 788.3 |
Short-Term Debt Repaid | -725.1 | -1,115 | -1,148 | -1,699 | -2,375 | -814 |
Net Short-Term Debt Issued (Repaid) | 70.54 | -68.1 | -16.15 | -134.88 | 47.58 | -25.7 |
Long-Term Debt Issued | - | - | 20 | 15 | 20 | - |
Long-Term Debt Repaid | - | - | -15 | - | -19.17 | - |
Net Long-Term Debt Issued (Repaid) | 0.12 | 0.11 | 0.28 | -6.01 | -5.13 | 10 |
Issuance of Common Stock | 0.14 | 0.14 | 0.14 | 0.13 | 0.13 | 0.16 |
Repurchase of Common Stock | -1.72 | -1.39 | -1.27 | -2.97 | -6.13 | -5.48 |
Net Common Stock Issued (Repurchased) | -1.58 | -1.25 | -1.13 | -2.84 | -5.99 | -5.32 |
Issuance of Preferred Stock | - | - | - | - | 11.99 | - |
Net Preferred Stock Issued (Repurchased) | - | - | - | - | 11.99 | - |
Common Dividends Paid | -10.68 | -9.69 | -8.32 | -7.58 | -6.69 | -6.17 |
Preferred Share Dividends Paid | -0.88 | -0.88 | -0.88 | -0.88 | -0.68 | - |
Financing Cash Flow | 344.47 | 193.47 | 289.17 | 491.39 | 252.19 | 75.22 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Cash Flow | 40.15 | -118.22 | 18.19 | 36.83 | 45.57 | 0.2 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | 80.91 | 61.1 | 57.27 | 49.41 | 35.42 | 35.6 |
Free Cash Flow Growth | 28.29% | 6.69% | 15.91% | 39.48% | -0.50% | 35.00% |
FCF Margin | 47.75% | 38.19% | 39.60% | 36.41% | 26.89% | 30.03% |
Free Cash Flow Per Share | 9.89 | 7.49 | 7.03 | 6.08 | 4.31 | 4.28 |