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 First Business Financial Services cash conversion from operations to assess how effectively this company generates cash.
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 First Business Financial Services investment reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
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 First Business Financial Services market capitalisation.
| 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 | — |