First Business Financial Services (FBIZ) — Cash Flow Quality Index
First Business Financial Services (FBIZ) has a Cash Flow Quality Index of 2.81x as of June 2026. Operating cash flow of $43.79 Million exceeds net income of $15.58 Million, indicating high earnings quality where cash backs reported profits. Explore debt repayment capacity of First Business Financial Services to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
First Business Financial Services Cash Flow Quality Index (2003–2025)
Historical Cash Flow Quality Index for First Business Financial Services across 23 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see First Business Financial Services cash flow conversion.
Annual Cash Flow Quality Index for First Business Financial Services (2003–2025)
Year-by-year earnings quality comparison for First Business Financial Services.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.23x | $61.70 Million | $50.32 Million | ▼ -5.6% |
| 2024 | 1.30x | $57.49 Million | $44.24 Million | ▲ +29.9% |
| 2023 | 1.00x | $54.45 Million | $54.45 Million | ▲ +5.7% |
| 2022 | 0.95x | $38.65 Million | $40.86 Million | ▼ -6.0% |
| 2021 | 1.01x | $35.99 Million | $35.76 Million | ▼ -35.8% |
| 2020 | 1.57x | $26.64 Million | $16.98 Million | ▲ +26.2% |
| 2019 | 1.24x | $28.98 Million | $23.32 Million | ▼ -19.9% |
| 2018 | 1.55x | $25.28 Million | $16.30 Million | ▼ -17.6% |
| 2017 | 1.88x | $22.41 Million | $11.90 Million | ▲ +7.3% |
| 2016 | 1.75x | $26.16 Million | $14.91 Million | ▲ +24.8% |
| 2015 | 1.41x | $23.22 Million | $16.51 Million | ▲ +67.4% |
| 2014 | 0.84x | $11.87 Million | $14.14 Million | ▼ -27.4% |
| 2013 | 1.16x | $15.90 Million | $13.75 Million | ▼ -35.5% |
| 2012 | 1.79x | $16.00 Million | $8.93 Million | ▼ -14.1% |
| 2011 | 2.09x | $17.58 Million | $8.43 Million | ▼ -83.4% |
| 2010 | 12.55x | $11.81 Million | $941.00K | ▲ +1251.5% |
| 2009 | 0.93x | $967.00K | $1.04 Million | ▼ -65.3% |
| 2008 | 2.68x | $8.37 Million | $3.12 Million | ▲ +12.7% |
| 2007 | 2.38x | $7.74 Million | $3.26 Million | ▲ +96.0% |
| 2006 | 1.21x | $4.54 Million | $3.75 Million | ▲ +118.5% |
| 2005 | 0.56x | $2.64 Million | $4.76 Million | ▼ -44.4% |
| 2004 | 1.00x | $4.25 Million | $4.26 Million | ▼ -42.5% |
| 2003 | 1.74x | $7.15 Million | $4.11 Million | — |