First Business Financial Services (FBIZ) — Cash Flow-to-Debt Ratio
First Business Financial Services (FBIZ) has a Cash Flow-to-Debt Ratio of 0.01x as of June 2026, meaning its operating cash flow of $43.79 Million could theoretically repay 0% of its total liabilities ($4.01 Billion) in one year. See how financially flexible is First Business Financial Services to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
First Business Financial Services Cash Flow-to-Debt Ratio (2003–2025)
Historical debt coverage capacity for First Business Financial Services across 23 annual periods. For the full cash flow conversion analysis, see First Business Financial Services operating cash flow efficiency.
Annual Cash Flow-to-Debt Ratio for First Business Financial Services (2003–2025)
Year-by-year debt coverage analysis for First Business Financial Services. Check FBIZ cash flow quality index to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.02x | $61.70 Million | $3.71 Billion | ▲ +1.9% |
| 2024 | 0.02x | $57.49 Million | $3.52 Billion | ▼ -3.6% |
| 2023 | 0.02x | $54.45 Million | $3.22 Billion | ▲ +18.9% |
| 2022 | 0.01x | $38.65 Million | $2.72 Billion | ▼ -4.3% |
| 2021 | 0.01x | $35.99 Million | $2.42 Billion | ▲ +31.8% |
| 2020 | 0.01x | $26.64 Million | $2.36 Billion | ▼ -26.0% |
| 2019 | 0.02x | $28.98 Million | $1.90 Billion | ▲ +7.6% |
| 2018 | 0.01x | $25.28 Million | $1.79 Billion | ▲ +2.7% |
| 2017 | 0.01x | $22.41 Million | $1.62 Billion | ▼ -14.7% |
| 2016 | 0.02x | $26.16 Million | $1.62 Billion | ▲ +13.6% |
| 2015 | 0.01x | $23.22 Million | $1.63 Billion | ▲ +78.6% |
| 2014 | 0.01x | $11.87 Million | $1.49 Billion | ▼ -42.0% |
| 2013 | 0.01x | $15.90 Million | $1.16 Billion | ▼ -3.4% |
| 2012 | 0.01x | $16.00 Million | $1.13 Billion | ▼ -10.1% |
| 2011 | 0.02x | $17.58 Million | $1.11 Billion | ▲ +40.6% |
| 2010 | 0.01x | $11.81 Million | $1.05 Billion | ▲ +1134.9% |
| 2009 | 0.00x | $967.00K | $1.06 Billion | ▼ -89.6% |
| 2008 | 0.01x | $8.37 Million | $957.78 Million | ▼ -1.8% |
| 2007 | 0.01x | $7.74 Million | $869.89 Million | ▲ +45.4% |
| 2006 | 0.01x | $4.54 Million | $742.57 Million | ▲ +45.4% |
| 2005 | 0.00x | $2.64 Million | $627.41 Million | ▼ -48.1% |
| 2004 | 0.01x | $4.25 Million | $524.77 Million | ▼ -44.2% |
| 2003 | 0.01x | $7.15 Million | $492.48 Million | — |