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First Business Financial Services FBIZ Free cash flow margin

Free cash flow margin at other companies

Southern First Bancshares logo
Southern First BancsharesSFST
28.1%-9.9pp
Bankwell Financial Group logo
Bankwell Financial GroupBWFG
26.6%-1.5pp
First Financial Corporation logo
First Financial CorporationTHFF
32.8%+5.6pp
Business First Bancshares logo
Business First BancsharesBFST
27%-0.7pp
Bank First Corporation logo
Bank First CorporationBFC
15.5%-22.6pp
First Mid Bancshares, Inc. logo
First Mid Bancshares, Inc.FMBH
27.9%-13.9pp

Other financials

Income statement

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Revenue$44.3M+8.5%
Net income$12.2M+9.2%
EPS (diluted)$1.44+9.1%

Balance sheet

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Cash & equivalents$137.1M-19.6%
Total debt$7.0M-7.5%
Total equity$380.1M+13.1%
Total assets$4.3B+9.5%

Cash flow

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Operating cash flow$3.1M-73.0%
CapEx$135.0K+68.8%
Free cash flow$2.9M-74.0%

Valuation

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Market cap$526.15M+34.1%
Enterprise value$396.05M+72.8%
P/E10.3×+1.8×
P/S3.1×+0.6×

Profitability

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Net margin29.8%+0.4pp

Returns & leverage

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Return on equity14.3%-0.4pp
Debt / equity0×0.0×

Where this comes from

Calculated from First Business Financial Services’s reported figures.

free cash flow/total revenue=30.7%

Based on trailing twelve months.

The official record: First Business Financial Services’s 10-Q, filed April 24, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is First Business Financial Services's free cash flow margin?
First Business Financial Services (FBIZ) reported free cash flow margin of 30.7% in Q1 2026.
How has First Business Financial Services's free cash flow margin changed year-over-year?
First Business Financial Services's free cash flow margin decreased by 19.5% year-over-year, from 38.1% to 30.7%.
What is the long-term trend for First Business Financial Services's free cash flow margin?
Over 5 years (2020 to 2025), First Business Financial Services's free cash flow margin has grown at a 7.4% compound annual growth rate (CAGR), from 25.4% to 36.2%.
What does free cash flow margin mean?
Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.