| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 36,986 | 22,593 |
| Deferred income taxes, net | 225 | 735 |
| Provision for credit losses | 6,800 | 5,360 |
| Depreciation, amortization and accretion, net | 2,824 | 1,821 |
| Share-based compensation | 2,161 | 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 | -60 | -60 |
| Amortization of tax credit investments | 4,104 | 3,057 |
| Bank-owned life insurance policy income | 2,016 | 1,051 |
| Origination of loans for sale | 113,272 | 88,044 |
| Sale of loans originated for sale | 115,030 | 90,487 |
| Gain on sale of loans originated for sale | 1,742 | 1,360 |
| Net loss on repossessed assets | -27 | 4 |
| Return on investment in limited partnerships | 1,334 | 834 |
| Excess tax benefit from share-based compensation | -233 | -229 |
| Net payments on operating lease liabilities | 1,184 | 784 |
| Net increase (decrease) in accrued interest receivable and other assets | -17,263 | -14,494 |
| Net (increase) decrease in accrued interest payable and other liabilities | -23,279 | -22,858 |
| Net cash provided by operating activities | 45,554 | 27,146 |
| Proceeds from maturities, redemptions, and paydowns of available-for-sale securities | 42,416 | 26,885 |
| Proceeds from maturities, redemptions, and paydowns of held-to-maturity securities | 1,151 | 1,022 |
| Proceeds from sale of available-for-sale securities | 0 | 0 |
| Purchases of available-for-sale securities | 102,813 | 60,690 |
| Proceeds from sale of repossessed assets | 24 | 24 |
| Net increase in loans and leases | 227,513 | 142,215 |
| Investments in limited partnerships | 3,029 | 1,472 |
| Returns of investments in limited partnerships | 229 | 712 |
| Investment in tax credit investments | 12,673 | 12,673 |
| Distributions from tax credit investments | 26 | 26 |
| Proceeds from sale of tax credit investments | 2,483 | 2,483 |
| Investment in federal home loan bank stock | 20,634 | 19,910 |
| Proceeds from the sale of federal home loan bank stock | 22,645 | 21,499 |
| Purchases of leasehold improvements and equipment, net | 556 | 410 |
| Proceeds from sale of leasehold improvements and equipment | 0 | 0 |
| Purchases of bank owned life insurance policies | 24,500 | 24,500 |
| Proceeds from bank owned life insurance claim | 471 | - |
| Net cash used in investing activities | -322,273 | -209,219 |
| Net increase in deposits | 225,931 | 198,082 |
| Repayment of federal home loan bank advances | 1,040,261 | 966,377 |
| Proceeds from federal home loan bank advances | 986,812 | 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 | 77 | 47 |
| Cash dividends paid | 7,271 | 4,856 |
| Preferred stock dividends paid | 656 | 438 |
| Proceeds from issuance of common stock under espp | 108 | 72 |
| Purchase of treasury stock | 1,374 | 1,363 |
| Net cash provided by financing activities | 163,366 | 147,579 |
| Net decrease in cash and cash equivalents | -113,353 | -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)