First Business Financial Services, Inc. FBIZ NASDAQ

First Business Financial Services, Inc. (FBIZ) generated $16.14M in operating cash flow for quarter ending 2025-12-31. After capital expenditures of $39K, free cash flow was $16.1M.

Free cash flow margin was 22.9% of revenue. Cash conversion ratio was 1.21x, indicating earnings are backed by cash.

The company returned $2.42M in dividends and $16K in share buybacks to shareholders during the quarter.

Criteria supported by this page:

• HEALTH (17/100, Fail) — weak cash flow raises concerns about debt servicing
• MOAT (43/100, Fail) — limited free cash flow weakens the competitive position
• INCOME (70/100) — Cash conversion ratio was 1.21x confirms earnings are backed by real cash flow

Overall SharesGrow Score: 70/100 with 5/7 criteria passed.