For the quarter ending 2025-09-30, FBIZ had -$78,859K decrease in cash & cash equivalents over the period. $18,262K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 14,393 | 22,593 |
| Deferred income taxes, net | -510 | 735 |
| Provision for credit losses | 1,440 | 5,360 |
| Depreciation, amortization and accretion, net | 1,003 | 1,821 |
| Share-based compensation | 584 | 1,577 |
| Net loss on disposal of fixed assets | 0 | 0 |
| Net loss on sale of securities | 0 | 0 |
| Net loss on sale of tax credit investments | 0 | -60 |
| Amortization of tax credit investments | 1,047 | 3,057 |
| Bank-owned life insurance policy income | 965 | 1,051 |
| Origination of loans for sale | 25,228 | 88,044 |
| Sale of loans originated for sale | 24,543 | 90,487 |
| Gain on sale of loans originated for sale | 382 | 1,360 |
| Net loss on repossessed assets | -31 | 4 |
| Return on investment in limited partnerships | 500 | 834 |
| Excess tax benefit from share-based compensation | -4 | -229 |
| Net payments on operating lease liabilities | 400 | 784 |
| Net increase (decrease) in accrued interest receivable and other assets | -2,769 | -14,494 |
| Net (increase) decrease in accrued interest payable and other liabilities | -421 | -22,858 |
| Net cash provided by operating activities | 18,408 | 27,146 |
| Proceeds from maturities, redemptions, and paydowns of available-for-sale securities | 15,531 | 26,885 |
| Proceeds from maturities, redemptions, and paydowns of held-to-maturity securities | 129 | 1,022 |
| Proceeds from sale of available-for-sale securities | 0 | 0 |
| Purchases of available-for-sale securities | 42,123 | 60,690 |
| Proceeds from sale of repossessed assets | 0 | 24 |
| Net increase in loans and leases | 85,298 | 142,215 |
| Investments in limited partnerships | 1,557 | 1,472 |
| Returns of investments in limited partnerships | -483 | 712 |
| Investment in tax credit investments | 0 | 12,673 |
| Distributions from tax credit investments | 0 | 26 |
| Proceeds from sale of tax credit investments | 0 | 2,483 |
| Investment in federal home loan bank stock | 724 | 19,910 |
| Proceeds from the sale of federal home loan bank stock | 1,146 | 21,499 |
| Purchases of leasehold improvements and equipment, net | 146 | 410 |
| Proceeds from sale of leasehold improvements and equipment | 0 | 0 |
| Purchases of bank owned life insurance policies | 0 | 24,500 |
| Proceeds from bank owned life insurance claim | 471 | - |
| Net cash used in investing activities | -113,054 | -209,219 |
| Net increase in deposits | 27,849 | 198,082 |
| Repayment of federal home loan bank advances | 73,884 | 966,377 |
| Proceeds from federal home loan bank advances | 64,400 | 922,412 |
| Repayment of subordinated notes and debentures | 0 | - |
| Proceeds from issuance of subordinated notes and debentures | 0 | - |
| Net increase in long-term borrowed funds | 30 | 47 |
| Cash dividends paid | 2,415 | 4,856 |
| Preferred stock dividends paid | 218 | 438 |
| Proceeds from issuance of common stock under espp | 36 | 72 |
| Purchase of treasury stock | 11 | 1,363 |
| Net cash provided by financing activities | 15,787 | 147,579 |
| Net decrease in cash and cash equivalents | -78,859 | -34,494 |
| Cash and cash equivalents at beginning of period | 157,702 | - |
| Cash and cash equivalents at end of period | 44,349 | - |
FIRST BUSINESS FINANCIAL SERVICES, INC. (FBIZ)
FIRST BUSINESS FINANCIAL SERVICES, INC. (FBIZ)