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Business First Bancshares cash flow, quarter by quarter

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

Free cash flow$43.7M in Q3 2026 · $115M over twelve months

Operating cash flow$43.7M
Free cash flow+$43.7M
Cash / net income1.8×

Analysis

In Q3 2026, Business First Bancshares generated $43.7M of operating cash flow. That is $11.6M more than in Q3 2025 ($32.1M).

Over the twelve months to Sep 30, 2026, operating cash flow was $115M; the largest uses were other investing ($144M), dividends ($19.1M), buybacks ($17.6M); besides operations, cash came from other financing ($157M); the cash balance rose by $91.0M.

Operating cash flow was $43.7M against net income of $24.6M — 1.8× profit, cash ran ahead of reported earnings. The largest differences: other liabilities +$26.5M, prepaid and other assets −$12.7M, deferred taxes +$1.9M.

Free cash flow

Business First Bancshares: free cash flow by quarterBusiness First Bancshares: free cash flow by quarter$17.6MQ4 2024$27.5MQ1 2025$13.8MQ2 2025$32.1MQ3 2025$18.6MQ4 2025$26.7MQ1 2026$27.1MQ2 2026$43.7MQ3 2026
Operating cash flow less capital spending.
Business First Bancshares: operating cash flow against capital spendingBusiness First Bancshares: operating cash flow against capital spendingOperating cash flowCapital spending$17.3M−$275KQ4 2024$28.6M$1.1MQ1 2025$14.0M$222KQ2 2025$32.4M$334KQ3 2025$17.1M−$1.6MQ4 2025$26.7M$0Q1 2026$27.1M$0Q2 2026$43.7M$0Q3 2026
Latest (Q3 2026): Operating cash flow $43.7M, Capital spending $0.

Capital allocation, year by year

Business First Bancshares: where the cash came from (up) and went (down), by fiscal yearBusiness First Bancshares: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingBuybacksDividendsFY2021: Operating cash flow $56.4MFY2021: Net borrowing −$5.0MFY2021: Shares issued $3.6MFY2021: Capital spending −$4.0MFY2021: Buybacks −$10.9MFY2021: Dividends −$9.4M$60.0MFY2021FY2022: Operating cash flow $69.6MFY2022: Net borrowing −$11KFY2022: Shares issued $120MFY2022: Capital spending −$7.8MFY2022: Dividends −$10.8M$190MFY2022FY2023: Operating cash flow $91.0MFY2023: Capital spending −$11.6MFY2023: Dividends −$12.7M$91.0MFY2023FY2024: Operating cash flow $61.4MFY2024: Capital spending −$1.6MFY2024: Dividends −$14.9M$61.4MFY2024FY2025: Operating cash flow $92.1MFY2025: Capital spending −$66KFY2025: Buybacks −$3.7MFY2025: Dividends −$16.8M$92.1MFY2025
Over these 5 years operating cash flow totalled $370M; the largest uses were dividends ($64.6M) and capital spending ($25.0M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$490M
Debtnone
Net cash$490M

Business First Bancshares funds itself: free cash flow was $115M over the last twelve months, with $490M of cash and investments and no debt on the balance sheet.

Where the cash came from and went

Business First Bancshares: sources (+) and uses (−) of cash, Q3 2026Business First Bancshares: sources (+) and uses (−) of cash, Q3 2026Other investing−$150MCash drawn (+) / kept (−)$85.6MOperating cash flow$43.7MOther financing$32.0MBuybacks−$6.3MDividends−$4.9M
Business First Bancshares: sources (+) and uses (−) of cash, TTM to Q3 2026Business First Bancshares: sources (+) and uses (−) of cash, TTM to Q3 2026Other financing$157MOther investing−$144MOperating cash flow$115MCash drawn (+) / kept (−)−$91.0MDividends−$19.1MBuybacks−$17.6M

From profit to cash

Business First Bancshares: net income to operating cash flow, Q3 2026Business First Bancshares: net income to operating cash flow, Q3 2026Net income$24.6MDepreciation & amortization$1.7MStock-based pay$980KDeferred taxes$1.9MGains on investments$21KPrepaid and other assets−$12.7MOther liabilities$26.5MOperating cash flow$43.7M
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$43.7M—−$6.3M−$4.9M$85.6M$43.7M
Q2 2026$27.1M—−$4.8M−$4.9M$14.2M$27.1M
Q1 2026$26.7M—−$2.8M−$4.9M−$179M$26.7M
Q4 2025$17.1M$1.6M−$3.7M−$4.4M−$12.1M$18.6M
Q3 2025$32.4M−$334K—−$4.1M$96.7M$32.1M
Q2 2025$14.0M−$222K—−$4.2M−$183M$13.8M
Q1 2025$28.6M−$1.1M—−$4.1M$6.2M$27.5M
Q4 2024$17.3M$275K—−$4.2M−$106M$17.6M

Business First Bancshares: income statement and cash flow

Business First Bancshares, Q3 2026: revenue $93.2M (+15% year over year), operating margin 33.0%. The chart follows the revenue to costs, profit and cash.

Business First Bancshares: 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.