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Cash Flow Overview

Change in Cash
$26,233K
Free Cash flow
$43,630K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Proceeds from federal home loan ...
    • Sale of loans originated for sal...
    • Net increase in deposits
    • Others
Negative Cash Flow Breakdown
    • Repayment of federal home loan b...
    • Net increase in loans and leases
    • Origination of loans for sale
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
15,580
12,200
13,333
14,393
Deferred income taxes, net
-485
-68
-1,782
-510
Provision for credit losses
2,067
2,960
1,855
1,440
Depreciation, amortization and accretion, net
968
929
950
1,003
Share-based compensation
912
647
639
584
Net loss on disposal of fixed assets
-
-
-
0
Net loss on sale of securities
-
-
-
0
Net losses on sales and impairments of tax credit investments
-
-
-289
-
Net loss on sale of tax credit investments
-552
67
-
0
Amortization of tax credit investments
1,891
1,891
1,565
1,047
Bank-owned life insurance policy income
757
757
739
965
Origination of loans for sale
24,106
52,483
19,453
25,228
Sale of loans originated for sale
47,806
48,224
14,226
24,543
Gain on sale of loans originated for sale
0
592
140
382
Net gain on repossessed assets
0
0
0
-31
Return on investment in limited partnerships
0
295
233
500
Excess tax benefit from share-based compensation
-179
-187
-4
-4
Net payments on operating lease liabilities
403
402
401
400
Net (decrease) increase in accrued interest receivable and other assets
5,274
5,745
-3,537
-2,769
Net decrease (increase) in accrued interest payable and other liabilities
4,864
-4,228
2,086
-421
Net cash provided by operating activities
43,794
3,051
16,142
18,408
Proceeds from maturities, redemptions, and paydowns of available-for-sale securities
19,638
20,237
23,114
15,531
Proceeds from maturities, redemptions, and paydowns of held-to-maturity securities
122
411
372
129
Proceeds from sale of available-for-sale securities
-
-
0
0
Purchases of available-for-sale securities
9,735
21,514
31,743
42,123
Proceeds from sale of repossessed assets
0
0
0
0
Net increase in loans and leases
87,750
127,825
40,831
85,298
Investments in limited partnerships
638
910
1,545
1,557
Returns of investments in limited partnerships
0
8
737
-483
Investment in tax credit investments
2,636
6,656
1,905
0
Distributions from tax credit investments
0
140
19
0
Proceeds from sale of tax credit
-
-
2,530
-
Proceeds from sale of tax credit investments
0
-2,414
-
0
Investment in federal home loan bank stock
13,658
3,465
530
724
Proceeds from the sale of federal home loan bank stock
11,727
1,163
1,195
1,146
Purchases of leasehold improvements and equipment, net
164
135
39
146
Proceeds from sale of leasehold improvements and equipment
42
-
0
0
Premium payment on bank owned life insurance policies
-
-
0
-
Purchases of bank owned life insurance policies
0
25
0
0
Proceeds from bank owned life insurance claim
-
-
0
471
Net cash used in investing activities
-83,052
-138,502
-51,109
-113,054
Net increase in deposits
26,163
185,587
47,344
27,849
Repayment of federal home loan bank advances
490,349
85,979
74,889
73,884
Proceeds from federal home loan bank advances
533,662
137,349
60,234
64,400
Repayment of subordinated notes and debentures
-
-
0
0
Proceeds from issuance of subordinated notes and debentures
-
-
0
0
Net increase in long-term borrowed funds
30
30
29
30
Cash dividends paid
2,951
2,899
2,415
2,415
Preferred stock dividends paid
219
219
219
218
Proceeds from issuance of common stock under espp
33
33
35
36
Purchase of treasury stock
878
811
16
11
Net cash provided by financing activities
65,491
233,091
30,103
15,787
Net increase (decrease) in cash and cash equivalents
26,233
97,640
-4,864
-78,859
Cash and cash equivalents at the beginning of the period
137,125
39,485
44,349
157,702
Cash and cash equivalents at the end of the period
163,358
137,125
39,485
44,349
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Proceeds from federalhome loan bank...$533,662K (-42.14%↓ Y/Y)Sale of loansoriginated for sale$47,806K (-47.17%↓ Y/Y)Net increase indeposits$26,163K (-86.79%↓ Y/Y)Proceeds from issuance ofcommon stock under espp$33K (-54.17%↓ Y/Y)Net increase inlong-term borrowed funds$30K (-36.17%↓ Y/Y)Net income$15,580K (-31.04%↓ Y/Y)Net decrease(increase) in accrued...$4,864K (121.28%↑ Y/Y)Provision for creditlosses$2,067K (-61.44%↓ Y/Y)Amortization of tax creditinvestments$1,891K (-38.14%↓ Y/Y)Depreciation, amortizationand accretion, net$968K (-46.84%↓ Y/Y)Share-based compensation$912K (-42.17%↓ Y/Y)Net loss on sale oftax credit...-$552K (-820.00%↓ Y/Y)Excess tax benefit fromshare-based compensation-$179K (21.83%↑ Y/Y)Net cash provided byfinancing activities$65,491K (-55.62%↓ Y/Y)Net cash provided byoperating activities$43,794K (61.33%↑ Y/Y)Canceled cashflow$494,397K Canceled cashflow$31,025K Net increase(decrease) in cash and cash...$26,233K (176.05%↑ Y/Y)Canceled cashflow$83,052K Repayment of federal homeloan bank advances$490,349K (-49.26%↓ Y/Y)Cash dividends paid$2,951K (-39.23%↓ Y/Y)Purchase of treasurystock$878K (-35.58%↓ Y/Y)Preferred stock dividendspaid$219K (-50.00%↓ Y/Y)Proceeds frommaturities, redemptions,...$19,638K (-26.96%↓ Y/Y)Proceeds from the sale offederal home loan bank...$11,727K (-45.45%↓ Y/Y)Proceeds frommaturities, redemptions,...$122K (-88.06%↓ Y/Y)Proceeds from sale ofleasehold improvements...$42K Origination of loans for sale$24,106K (-72.62%↓ Y/Y)Net (decrease)increase in accrued...$5,274K (136.39%↑ Y/Y)Bank-owned life insurancepolicy income$757K (-27.97%↓ Y/Y)Deferred income taxes,net-$485K (-165.99%↓ Y/Y)Net payments onoperating lease...$403K (-48.60%↓ Y/Y)Net cash used ininvesting activities-$83,052K (60.30%↑ Y/Y)Canceled cashflow$31,529K Net increase inloans and leases$87,750K (-38.30%↓ Y/Y)Investment in federal homeloan bank stock$13,658K (-31.40%↓ Y/Y)Purchases ofavailable-for-sale securities$9,735K (-83.96%↓ Y/Y)Investment in tax creditinvestments$2,636K (-79.20%↓ Y/Y)Investments in limitedpartnerships$638K (-56.66%↓ Y/Y)Purchases of leaseholdimprovements and equipment,...$164K (-60.00%↓ Y/Y)

FIRST BUSINESS FINANCIAL SERVICES, INC. (FBIZ)

FIRST BUSINESS FINANCIAL SERVICES, INC. (FBIZ)