First Business Financial Services (FBIZ) — Financial Flexibility Index
First Business Financial Services (FBIZ) has a Financial Flexibility Index of 0.01x as of June 2026. Free cash flow of $43.96 Million (operating CF $43.79 Million minus capex $164.00K) represents 0% of total liabilities ($4.01 Billion). Check cash flow reinvestment rate of First Business Financial Services to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
First Business Financial Services Financial Flexibility Index (2003–2025)
Historical Financial Flexibility Index trend for First Business Financial Services across 23 annual periods. For the full cash flow conversion analysis, see cash flow conversion of First Business Financial Services.
Annual Financial Flexibility Index for First Business Financial Services (2003–2025)
Year-by-year free cash flow to debt coverage for First Business Financial Services. Explore cash flow to debt ratio of First Business Financial Services to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.02x | $62.29 Million | $61.70 Million | $3.71 Billion | ▲ +2.5% |
| 2024 | 0.02x | $57.71 Million | $57.49 Million | $3.52 Billion | ▼ -9.8% |
| 2023 | 0.02x | $58.40 Million | $54.45 Million | $3.22 Billion | ▲ +17.7% |
| 2022 | 0.02x | $41.87 Million | $38.65 Million | $2.72 Billion | ▲ +2.6% |
| 2021 | 0.02x | $36.38 Million | $35.99 Million | $2.42 Billion | ▲ +32.0% |
| 2020 | 0.01x | $26.90 Million | $26.64 Million | $2.36 Billion | ▼ -25.8% |
| 2019 | 0.02x | $29.21 Million | $28.98 Million | $1.90 Billion | ▲ +4.4% |
| 2018 | 0.01x | $26.25 Million | $25.28 Million | $1.79 Billion | ▲ +1.0% |
| 2017 | 0.01x | $23.65 Million | $22.41 Million | $1.62 Billion | ▼ -11.9% |
| 2016 | 0.02x | $26.75 Million | $26.16 Million | $1.62 Billion | ▲ +12.3% |
| 2015 | 0.01x | $24.01 Million | $23.22 Million | $1.63 Billion | ▲ +45.6% |
| 2014 | 0.01x | $15.06 Million | $11.87 Million | $1.49 Billion | ▼ -28.7% |
| 2013 | 0.01x | $16.43 Million | $15.90 Million | $1.16 Billion | ▼ -3.6% |
| 2012 | 0.01x | $16.56 Million | $16.00 Million | $1.13 Billion | ▼ -9.1% |
| 2011 | 0.02x | $17.99 Million | $17.58 Million | $1.11 Billion | ▲ +42.3% |
| 2010 | 0.01x | $11.95 Million | $11.81 Million | $1.05 Billion | ▲ +945.3% |
| 2009 | 0.00x | $1.16 Million | $967.00K | $1.06 Billion | ▼ -88.3% |
| 2008 | 0.01x | $8.87 Million | $8.37 Million | $957.78 Million | ▼ -6.3% |
| 2007 | 0.01x | $8.60 Million | $7.74 Million | $869.89 Million | ▲ +52.0% |
| 2006 | 0.01x | $4.83 Million | $4.54 Million | $742.57 Million | ▲ +37.4% |
| 2005 | 0.00x | $2.97 Million | $2.64 Million | $627.41 Million | ▼ -45.5% |
| 2004 | 0.01x | $4.56 Million | $4.25 Million | $524.77 Million | ▼ -40.2% |
| 2003 | 0.01x | $7.15 Million | $7.15 Million | $492.48 Million | — |