First Business Financial Services, Inc. (FBIZ)

FBIZ Cash Flow Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	51.35	50.32	44.25	37.03	40.86	35.76
Depreciation & Amortization	3.83	3.77	3.74	3.64	4.07	3.55
Provision for Credit Losses	8.96	8.66	8.83	8.18	-3.87	-5.8
Stock-Based Compensation	2.8	2.8	2.79	2.98	2.58	2.51
Net Change in Loans Held-for-Sale	-10.08	-5.35	-8.91	-1.96	0.94	5.13
Other Adjustments	1.49	1.89	3.44	8.38	-3.23	-1.11
Changes in Accrued Interest and Accounts Receivable	21.15	20.8	6.24	-21.38	-7.73	-6.77
Changes in Accounts Payable	-23.1	-21.19	-2.87	15.42	5.03	2.73
Operating Cash Flow	53.45	61.7	57.49	52.29	38.65	35.99
Operating Cash Flow Growth	-11.09%	7.31%	9.94%	35.31%	7.37%	35.13%
Net Change in Loans Held-for-Investment	-321.49	-268.34	-267.41	-408.62	-199.47	-86.66
Net Change in Securities and Investments	-55.16	-67.5	-45.06	-75.65	-27.83	-20.31
Capital Expenditures	-0.65	-0.6	-0.22	-2.88	-3.22	-0.39
Sale of Property, Plant & Equipment	-	-	-	0.03	-	0.04
Other Investing Activities	-38.14	-37.45	-15.81	-19.19	-14.75	-3.69
Investing Cash Flow	-414.46	-373.38	-328.47	-506.85	-245.27	-111.01
Net Change in Deposits	322.96	273.28	310.36	628.57	210.28	102.41
Short-Term Debt Issued	639.16	1,047	1,132	1,564	2,422	788.3
Short-Term Debt Repaid	-622.41	-1,115	-1,148	-1,699	-2,375	-814
Net Short-Term Debt Issued (Repaid)	16.75	-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)	0.11	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	-1.42	-1.39	-1.27	-2.97	-6.13	-5.48
Net Common Stock Issued (Repurchased)	-1.28	-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	-10.14	-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	327.52	193.47	289.17	491.39	252.19	75.22
Net Cash Flow	-33.49	-118.22	18.19	36.83	45.57	0.2
Free Cash Flow	52.8	61.1	57.27	49.41	35.42	35.6
Free Cash Flow Growth	-13.59%	6.69%	15.91%	39.48%	-0.50%	35.00%
FCF Margin	32.37%	38.19%	39.60%	36.41%	26.89%	30.03%
Free Cash Flow Per Share	6.46	7.49	7.03	6.08	4.31	4.28
Levered Free Cash Flow	68.57	-15.77	34.38	-109.94	80.76	19.17
Unlevered Free Cash Flow	1.23	2.79	6.88	-5.2	-1.86	-0.88

Updated Apr 24, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q