For the year ending 2025-12-31, FBIZ had -$118,217K decrease in cash & cash equivalents over the period. $61,101K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 50,319 |
| Deferred income taxes, net | -1,557 |
| Provision for credit losses | 8,655 |
| Depreciation, amortization and accretion, net | 3,774 |
| Share-based compensation | 2,800 |
| Net losses on sales and impairments of tax credit investments | -289 |
| Amortization of tax credit investments | 5,669 |
| Bank-owned life insurance policy income | 2,755 |
| Origination of loans for sale | 132,725 |
| Sale of loans originated for sale | 129,256 |
| Gain on sale of loans originated for sale | 1,882 |
| Net loss on repossessed assets | -27 |
| Return on investment in limited partnerships | 1,567 |
| Excess tax benefit from share-based compensation | -237 |
| Net payments on operating lease liabilities | 1,585 |
| Net decrease (increase) in accrued interest receivable and other assets | -20,800 |
| Net (decrease) increase in accrued interest payable and other liabilities | -21,193 |
| Net cash provided by operating activities | 61,696 |
| Proceeds from maturities, redemptions, and paydowns of available-for-sale securities | 65,530 |
| Proceeds from maturities, redemptions, and paydowns of held-to-maturity securities | 1,523 |
| Proceeds from sale of available-for-sale securities | 0 |
| Purchases of available-for-sale securities | 134,556 |
| Proceeds from sale of repossessed assets | 24 |
| Net increase in loans and leases | 268,344 |
| Investments in limited partnerships | 4,574 |
| Returns of investments in limited partnerships | 966 |
| Investment in tax credit investments | 14,578 |
| Distribution from tax credit investments | 45 |
| Proceeds from sale of tax credit | 2,530 |
| Investment in federal home loan bank stock | 21,164 |
| Proceeds from the sale of federal home loan bank stock | 23,840 |
| Purchases of leasehold improvements and equipment, net | 595 |
| Proceeds from sale of leasehold improvements and equipment | 0 |
| Premium payment on bank owned life insurance policies | 0 |
| Purchases of bank owned life insurance policies | 24,500 |
| Proceeds from bank owned life insurance claim | 471 |
| Net cash used in investing activities | -373,382 |
| Net increase in deposits | 273,275 |
| Repayment of federal home loan bank advances | 1,115,150 |
| Proceeds from federal home loan bank advances | 1,047,046 |
| Repayment of subordinated notes and debentures | 0 |
| Proceeds from issuance of subordinated notes and debentures | 0 |
| Net increase (decrease) in long-term borrowed funds | 106 |
| Cash dividends paid | 9,686 |
| Preferred stock dividends paid | 875 |
| Proceeds from issuance of common stock under espp | 143 |
| Purchase of treasury stock | 1,390 |
| Net cash provided by financing activities | 193,469 |
| Net (decrease) increase in cash and cash equivalents | -118,217 |
| Cash and cash equivalents at the beginning of the period | 157,702 |
| Cash and cash equivalents at the end of the period | 39,485 |
FIRST BUSINESS FINANCIAL SERVICES, INC. (FBIZ)
FIRST BUSINESS FINANCIAL SERVICES, INC. (FBIZ)