First Business Financial Services (FBIZ) — Cash Flow Quality Index
First Business Financial Services (FBIZ) has a Cash Flow Quality Index of 0.25x as of March 2026. Operating cash flow of $3.05 Million is below net income of $12.20 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore FBIZ strategic capital deployment ratio to see how much of total assets are deployed in long-term investments.
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. Check FBIZ tangible net assets ratio to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for First Business Financial Services (2003–2025)
Year-by-year earnings quality comparison for First Business Financial Services. For live market cap and the full company financial profile, see how much is First Business Financial Services worth.
| 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 | — |