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Ames National cash flow, quarter by quarter

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

Free cash flow$4.0M in Q3 2026 · $22.3M over twelve months

Operating cash flow$5.1M
Capital spending−$1.2M
Free cash flow+$4.0M
Cash / net income0.7×

Analysis

In Q3 2026, Ames National generated $5.1M of operating cash flow and spent $1.2M on capital projects, leaving free cash flow of $4.0M. That is $1.3M more than in Q3 2025 ($2.6M).

Over the twelve months to Sep 30, 2026, operating cash flow was $24.4M; the largest uses were other financing ($31.7M), other investing ($14.7M), dividends ($8.1M); the cash balance fell by $33.0M.

Operating cash flow was $5.1M against net income of $7.0M — 0.7× profit, less cash than reported earnings, worth checking against working capital. The largest differences: payables +$1.5M, depreciation & amortization +$457K, prepaid and other assets −$437K.

Free cash flow

Ames National: free cash flow by quarterAmes National: free cash flow by quarter$5.9MQ4 2024$6.9MQ1 2025$3.9MQ2 2025$2.6MQ3 2025$7.2MQ4 2025$8.0MQ1 2026$3.2MQ2 2026$4.0MQ3 2026
Operating cash flow less capital spending.
Ames National: operating cash flow against capital spendingAmes National: operating cash flow against capital spendingOperating cash flowCapital spending$5.9M$67KQ4 2024$7.1M$195KQ1 2025$4.0M$115KQ2 2025$2.8M$101KQ3 2025$7.5M$231KQ4 2025$8.4M$405KQ1 2026$3.4M$273KQ2 2026$5.1M$1.2MQ3 2026
Latest (Q3 2026): Operating cash flow $5.1M, Capital spending $1.2M.

Capital allocation, year by year

Ames National: where the cash came from (up) and went (down), by fiscal yearAmes National: where the cash came from (up) and went (down), by fiscal yearOperating cash flowAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $30.5MFY2021: Capital spending −$1.9MFY2021: Buybacks −$710KFY2021: Dividends −$9.4M$30.5MFY2021FY2022: Operating cash flow $21.2MFY2022: Asset sales $125KFY2022: Capital spending −$2.9MFY2022: Buybacks −$2.3MFY2022: Dividends −$9.7M$21.4MFY2022FY2023: Operating cash flow $19.2MFY2023: Capital spending −$4.9MFY2023: Dividends −$9.7M$19.2MFY2023FY2024: Operating cash flow $14.3MFY2024: Capital spending −$298KFY2024: Buybacks −$704KFY2024: Dividends −$9.1M$14.3MFY2024FY2025: Operating cash flow $21.3MFY2025: Capital spending −$642KFY2025: Buybacks −$1.7MFY2025: Dividends −$7.1M$21.3MFY2025
Over these 5 years operating cash flow totalled $107M; the largest uses were dividends ($45.0M) and capital spending ($10.6M). Cash-flow statements as filed.

Where the cash came from and went

Ames National: sources (+) and uses (−) of cash, Q3 2026Ames National: sources (+) and uses (−) of cash, Q3 2026Other financing−$34.6MCash drawn (+) / kept (−)$32.0MOperating cash flow$5.1MDividends−$2.1MCapital spending−$1.2MOther investing$757K
Ames National: sources (+) and uses (−) of cash, TTM to Q3 2026Ames National: sources (+) and uses (−) of cash, TTM to Q3 2026Cash drawn (+) / kept (−)$33.0MOther financing−$31.7MOperating cash flow$24.4MOther investing−$14.7MDividends−$8.1MCapital spending−$2.1MBuybacks−$733K

From profit to cash

Ames National: net income to operating cash flow, Q3 2026Ames National: net income to operating cash flow, Q3 2026Net income$7.0MDepreciation & amortization$457KPayables$1.5MPrepaid and other assets−$437KOperating cash flow$5.1M
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$5.1M−$1.2M—−$2.1M$32.0M$4.0M
Q2 2026$3.4M−$273K—−$2.1M$10.9M$3.2M
Q1 2026$8.4M−$405K—−$2.1M$8.6M$8.0M
Q4 2025$7.5M−$231K−$733K−$1.8M−$18.6M$7.2M
Q3 2025$2.8M−$101K−$122K−$1.8M−$12.9M$2.6M
Q2 2025$4.0M−$115K−$279K−$1.8M$68.2M$3.9M
Q1 2025$7.1M−$195K−$550K−$1.8M−$62.2M$6.9M
Q4 2024$5.9M−$67K−$704K−$1.8M−$42.3M$5.9M

Ames National: income statement and cash flow

Ames National, Q3 2026: revenue $20.4M (+23% year over year), operating margin 44.7%. The chart follows the revenue to costs, profit and cash.

Ames National: 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.