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First Business Financial Services cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$5.2M in Q3 2026 · $67.8M over twelve months

Operating cash flow$5.5M
Capital spending−$300K
Free cash flow+$5.2M
Cash / net income0.3×

Analysis

In Q3 2026, First Business Financial Services generated $5.5M of operating cash flow and spent $300K on capital projects, leaving free cash flow of $5.2M. That is $13.1M less than in Q3 2025 ($18.3M).

Over the twelve months to Sep 30, 2026, operating cash flow was $68.5M; the largest uses were other investing ($343M), dividends ($11.1M), buybacks ($2.6M); besides operations, cash came from other financing ($337M), asset & business sales ($42K); the cash balance rose by $47.9M.

Operating cash flow was $5.5M against net income of $16.6M — 0.3× profit, less cash than reported earnings, worth checking against working capital. The largest differences: accrued liabilities +$27.0M, receivables −$25.8M, depreciation & amortization +$1.0M.

Free cash flow

First Business Financial Services: free cash flow by quarterFirst Business Financial Services: free cash flow by quarter$21.9MQ4 2024$11.2MQ1 2025$15.5MQ2 2025$18.3MQ3 2025$16.1MQ4 2025$2.9MQ1 2026$43.6MQ2 2026$5.2MQ3 2026
Operating cash flow less capital spending.
First Business Financial Services: operating cash flow against capital spendingFirst Business Financial Services: operating cash flow against capital spendingOperating cash flowCapital spending$22.0M$42KQ4 2024$11.3M$80KQ1 2025$15.8M$330KQ2 2025$18.4M$146KQ3 2025$16.1M$39KQ4 2025$3.1M$135KQ1 2026$43.8M$164KQ2 2026$5.5M$300KQ3 2026
Latest (Q3 2026): Operating cash flow $5.5M, Capital spending $300K.

Capital allocation, year by year

First Business Financial Services: where the cash came from (up) and went (down), by fiscal yearFirst Business Financial Services: where the cash came from (up) and went (down), by fiscal yearOperating cash flowShares issuedAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $36.0MFY2021: Asset sales $44KFY2021: Capital spending −$391KFY2021: Buybacks −$5.5MFY2021: Dividends −$6.2M$36.0MFY2021FY2022: Operating cash flow $38.6MFY2022: Shares issued $12.0MFY2022: Capital spending −$3.2MFY2022: Buybacks −$6.1MFY2022: Dividends −$6.7M$50.6MFY2022FY2023: Operating cash flow $52.3MFY2023: Capital spending −$2.9MFY2023: Buybacks −$3.0MFY2023: Dividends −$7.6M$52.3MFY2023FY2024: Operating cash flow $57.5MFY2024: Asset sales $30KFY2024: Capital spending −$223KFY2024: Buybacks −$1.3MFY2024: Dividends −$8.3M$57.5MFY2024FY2025: Operating cash flow $61.7MFY2025: Capital spending −$595KFY2025: Buybacks −$1.4MFY2025: Dividends −$9.7M$61.7MFY2025
Over these 5 years operating cash flow totalled $246M; the largest uses were dividends ($38.4M) and buybacks ($17.2M). Cash-flow statements as filed.

Where the cash came from and went

First Business Financial Services: sources (+) and uses (−) of cash, Q3 2026First Business Financial Services: sources (+) and uses (−) of cash, Q3 2026Cash drawn (+) / kept (−)$71.1MOther investing−$70.6MOperating cash flow$5.5MDividends−$2.8MOther financing−$2.0MBuybacks−$849KCapital spending−$300K
First Business Financial Services: sources (+) and uses (−) of cash, TTM to Q3 2026First Business Financial Services: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$343MOther financing$337MOperating cash flow$68.5MCash drawn (+) / kept (−)−$47.9MDividends−$11.1MBuybacks−$2.6MCapital spending−$638KAsset & business sales$42K

From profit to cash

First Business Financial Services: net income to operating cash flow, Q3 2026First Business Financial Services: net income to operating cash flow, Q3 2026Net income$16.6MDepreciation & amortization$1.0MStock-based pay$707KDeferred taxes$265KReceivables−$25.8MAccrued liabilities$27.0MOperating cash flow$5.5M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsCash drawn (+) / kept (−)Free cash flow
Q3 2026$5.5M−$300K−$849K−$2.8M$71.1M$5.2M
Q2 2026$43.8M−$164K−$878K−$3.0M−$26.2M$43.6M
Q1 2026$3.1M−$135K−$811K−$2.9M−$97.6M$2.9M
Q4 2025$16.1M−$39K−$16K−$2.4M$4.9M$16.1M
Q3 2025$18.4M−$146K−$11K−$2.4M$78.9M$18.3M
Q2 2025$15.8M−$330K−$586K−$2.4M$47.4M$15.5M
Q1 2025$11.3M−$80K−$777K−$2.4M−$12.9M$11.2M
Q4 2024$22.0M−$42K−$13K−$2.1M−$25.7M$21.9M

First Business Financial Services: income statement and cash flow

First Business Financial Services, Q3 2026: revenue $47.5M (+7% year over year), operating margin 41.0%. The chart follows the revenue to costs, profit and cash.

First Business Financial Services: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.