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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	57.69	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	0.17	0.01	-0.43	0.09
Gain (Loss) on Sale of Investments	8.89	5.96	6.39	4.05	0.68	-
Provision for Credit Losses	8.82	8.66	8.83	8.18	-3.87	-5.8
Net Decrease (Increase) in Loans Originated / Sold - Operating	-4.64	-3.47	-6.97	0.1	3.48	9.17
Accrued Interest Receivable	-33.32	20.8	6.24	-21.38	-7.73	-6.77
Other Operating Activities	-6.72	-5.9	-6.62	-0.8	-4.47	-1.62
Operating Cash Flow	68.49	61.7	57.49	52.29	38.65	35.99
Operating Cash Flow Growth	1.43%	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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-0.64	-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	-20.9	-85.69	-63.34	-101.22	-40.77	-24.3
Income (Loss) Equity Investments	1.62	1.57	3.31	4.92	0.72	0.37
Net Decrease (Increase) in Loans Originated / Sold - Investing	-328.37	-268.34	-267.41	-408.62	-199.47	-86.66
Other Investing Activities	6.29	-18.75	2.47	5.87	-1.81	0.3
Investing Cash Flow	-343.57	-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	Sep 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	1,339	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	-1,419	-1,115	-1,163	-1,705	-2,399	-814
Net Debt Issued (Repaid)	-79.28	-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	-2.55	-1.39	-1.27	-2.97	-6.13	-5.48
Preferred Stock Issued	-	-	-	-	11.99	-
Common Dividends Paid	-11.11	-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	-11.99	-10.56	-9.2	-8.45	-7.37	-6.17
Net Increase (Decrease) in Deposit Accounts	416.7	273.28	310.36	628.57	210.28	102.41
Financing Cash Flow	323.01	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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Cash Flow	47.93	-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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	67.85	61.1	57.27	49.41	35.42	35.6
Free Cash Flow Growth	1.39%	6.69%	15.91%	39.48%	-0.50%	35.00%
Free Cash Flow Margin	39.47%	38.20%	39.60%	36.41%	26.89%	30.03%
Free Cash Flow Per Share	8.27	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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Interest Paid	110.22	111.38	109.61	75.53	20.11	13.21
Cash Income Tax Paid	6.44	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: Sep 30, 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:

Nov 4, 2026

Data Sources Report a data error