Filing Flows

Filing Flows › Companies › Amalgamated Financial › Cash flow

Amalgamated Financial cash flow, quarter by quarter

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

Free cash flow$33.0M in Q3 2026 · $141M over twelve months

Operating cash flow$41.4M
Capital spending−$8.4M
Free cash flow+$33.0M
Cash / net income1.1×

Analysis

In Q3 2026, Amalgamated Financial generated $41.4M of operating cash flow and spent $8.4M on capital projects, leaving free cash flow of $33.0M. That is $5.3M less than in Q3 2025 ($38.3M).

Over the twelve months to Sep 30, 2026, operating cash flow was $166M; the largest uses were other investing ($884M), capital spending ($24.5M), dividends ($19.6M); besides operations, cash came from other financing ($931M), shares issued ($1.4M); the cash balance rose by $147M.

Operating cash flow was $41.4M against net income of $36.4M — 1.1× profit, cash ran ahead of reported earnings. The largest differences: stock-based pay +$1.9M, prepaid and other assets +$839K, deferred taxes −$158K.

Free cash flow

Amalgamated Financial: free cash flow by quarterAmalgamated Financial: free cash flow by quarter$28.3MQ4 2024$32.5MQ1 2025$25.6MQ2 2025$38.3MQ3 2025$38.0MQ4 2025$50.7MQ1 2026$19.6MQ2 2026$33.0MQ3 2026
Operating cash flow less capital spending.
Amalgamated Financial: operating cash flow against capital spendingAmalgamated Financial: operating cash flow against capital spendingOperating cash flowCapital spending$29.0M$738KQ4 2024$34.2M$1.8MQ1 2025$24.9M−$712KQ2 2025$39.5M$1.2MQ3 2025$37.1M−$855KQ4 2025$56.8M$6.1MQ1 2026$30.5M$10.9MQ2 2026$41.4M$8.4MQ3 2026
Latest (Q3 2026): Operating cash flow $41.4M, Capital spending $8.4M.

Capital allocation, year by year

Amalgamated Financial: where the cash came from (up) and went (down), by fiscal yearAmalgamated Financial: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $70.5MFY2021: Capital spending −$2.4MFY2021: Buybacks −$2.9MFY2021: Dividends −$10.0M$70.5MFY2021FY2022: Operating cash flow $147MFY2022: Net borrowing $580MFY2022: Shares issued $665KFY2022: Capital spending −$1.7MFY2022: Buybacks −$12.5MFY2022: Dividends −$11.2M$728MFY2022FY2023: Operating cash flow $117MFY2023: Net borrowing −$346MFY2023: Shares issued $804KFY2023: Capital spending −$1.5MFY2023: Buybacks −$8.3MFY2023: Dividends −$12.3M$118MFY2023FY2024: Operating cash flow $124MFY2024: Net borrowing $16.3MFY2024: Shares issued $789KFY2024: Capital spending −$1.8MFY2024: Buybacks −$1.1MFY2024: Dividends −$14.2M$141MFY2024FY2025: Operating cash flow $136MFY2025: Net borrowing −$245MFY2025: Shares issued $1.4MFY2025: Asset sales $46KFY2025: Capital spending −$1.4MFY2025: Buybacks −$32.3MFY2025: Dividends −$17.2M$137MFY2025
Over these 5 years operating cash flow totalled $595M; the largest uses were net borrowing ($591M) and dividends ($65.0M). Cash-flow statements as filed.

Where the cash came from and went

Amalgamated Financial: sources (+) and uses (−) of cash, Q3 2026Amalgamated Financial: sources (+) and uses (−) of cash, Q3 2026Other financing$246MOther investing−$173MCash drawn (+) / kept (−)−$94.7MOperating cash flow$41.4MCapital spending−$8.4MBuybacks−$6.5MDividends−$5.1MShares issued$271K
Amalgamated Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Amalgamated Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Other financing$931MOther investing−$884MOperating cash flow$166MCash drawn (+) / kept (−)−$147MCapital spending−$24.5MDividends−$19.6MBuybacks−$18.0MNet borrowing (+) / repaid (−)−$5.8MShares issued$1.4M

From profit to cash

Amalgamated Financial: net income to operating cash flow, Q3 2026Amalgamated Financial: net income to operating cash flow, Q3 2026Net income$36.4MDepreciation & amortization−$83KStock-based pay$1.9MDeferred taxes−$158KPrepaid and other assets$839KOther liabilities$39KOperating cash flow$41.4M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$41.4M−$8.4M−$6.5M−$5.1M—$271K−$94.7M$33.0M
Q2 2026$30.5M−$10.9M—−$5.1M$164K$278K$11.9M$19.6M
Q1 2026$56.8M−$6.1M−$2.8M−$5.3M—$750K$111M$50.7M
Q4 2025$37.1M$855K−$8.7M−$4.2M−$6.0M$150K−$176M$38.0M
Q3 2025$39.5M−$1.2M−$10.4M−$4.2M—$204K$55.5M$38.3M
Q2 2025$24.9M$712K−$9.7M−$4.5M$5.8M$243K−$105M$25.6M
Q1 2025$34.2M−$1.8M−$3.5M−$4.3M−$245M$790K−$5.0M$32.5M
Q4 2024$29.0M−$738K−$845K−$3.7M$246M$157K$88.5M$28.3M

Amalgamated Financial: income statement and cash flow

Amalgamated Financial, Q3 2026: revenue $102M (+19% year over year), operating margin 48.4%. The chart follows the revenue to costs, profit and cash.

Amalgamated Financial: 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.