First Business Financial Servic — Earnings Quality Grade F
FBIZ · Financial Services
Major red flags
Screening Summary
管理层信号
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 28 days, change -2 days YoY
AR growth 1.7% vs revenue growth 9.9%
Revenue 9.9%, CFFO 7.3%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 166.8% is >2x revenue growth 9.9%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.23. Profits backed by cash
FCF $0.1B, FCF/NI = 1.21
Accruals ratio = -0.3%. Low accruals
Cash $0.0B covers only 15% of debt $0.3B
Balance Sheet Health
Goodwill+Intangibles $0.0B = 3% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change 1% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
First Business Financial Servic is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25