First Business Financial Services, Inc. (FBIZ)

FBIZ Cash Flow Statement

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

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	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
Gain (Loss) on Sale of Assets	0.03	0.03	0.17	0.01	-0.43	0.09
Gain (Loss) on Sale of Investments	7.17	5.96	6.39	4.05	0.68	-
Provision for Credit Losses	8.32	8.66	8.83	8.18	-3.87	-5.8
Net Decrease (Increase) in Loans Originated / Sold - Operating	13.53	-3.47	-6.97	0.1	3.48	9.17
Accrued Interest Receivable	-4.71	20.8	6.24	-21.38	-7.73	-6.77
Other Operating Activities	-7.67	-5.9	-6.62	-0.8	-4.47	-1.62
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 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-0.48	-0.6	-0.22	-2.88	-3.22	-0.39
Sale of Property, Plant and Equipment	0.04	-	0.03	-	-	0.04
Investment in Securities	-43.56	-85.69	-63.34	-101.22	-40.77	-24.3
Income (Loss) Equity Investments	1.03	1.57	3.31	4.92	0.72	0.37
Net Decrease (Increase) in Loans Originated / Sold - Investing	-341.7	-268.34	-267.41	-408.62	-199.47	-86.66
Other Investing Activities	-0.01	-18.75	2.47	5.87	-1.81	0.3
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 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Long-Term Debt Issued	-	1,047	1,153	1,579	2,442	798.3
Total Debt Issued	795.76	1,047	1,153	1,579	2,442	798.3
Long-Term Debt Repaid	-	-1,115	-1,163	-1,705	-2,399	-814
Total Debt Repaid	-725.1	-1,115	-1,163	-1,705	-2,399	-814
Net Debt Issued (Repaid)	70.66	-68	-10.87	-125.89	43.28	-15.7
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
Preferred Stock Issued	-	-	-	-	11.99	-
Common Dividends Paid	-10.68	-9.69	-8.32	-7.58	-6.69	-6.17
Preferred Dividends Paid	-0.88	-0.88	-0.88	-0.88	-0.68	-
Total Dividends Paid	-11.56	-10.56	-9.2	-8.45	-7.37	-6.17
Net Increase (Decrease) in Deposit Accounts	286.94	273.28	310.36	628.57	210.28	102.41
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 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	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 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	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%
Free Cash Flow Margin	47.75%	38.20%	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

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Interest Paid	111.15	111.38	109.61	75.53	20.11	13.21
Cash Income Tax Paid	6.48	3.31	0.16	7.46	8.04	14.52

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Apr 24, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 31, 2026

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