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Burke & Herbert Financial Services cash flow, quarter by quarter

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

Free cash flow$43.5M in Q3 2026 · $94.5M over twelve months

Operating cash flow$42.3M
Capital spending$1.2M
Free cash flow+$43.5M
Cash / net income1.2×

Analysis

In Q3 2026, Burke & Herbert Financial Services generated $42.3M of operating cash flow and spent −$1.2M on capital projects, leaving free cash flow of $43.5M. That is $8.0M more than in Q3 2025 ($35.4M).

Over the twelve months to Sep 30, 2026, operating cash flow was $100M; the largest uses were net borrowing (+) / repaid (−) ($100M), other investing ($94.4M), dividends ($39.6M); besides operations, cash came from other financing ($78.7M), acquisitions ($73.2M); the cash balance rose by $12.7M.

Operating cash flow was $42.3M against net income of $36.4M — 1.2× profit, cash ran ahead of reported earnings. The largest differences: prepaid and other assets +$18.2M, deferred taxes +$9.6M, depreciation & amortization +$2.2M.

Free cash flow

Burke & Herbert Financial Services: free cash flow by quarterBurke & Herbert Financial Services: free cash flow by quarter$76.6MQ4 2024$35.9MQ1 2025−$3.4MQ2 2025$35.4MQ3 2025$28.3MQ4 2025$24.6MQ1 2026−$1.9MQ2 2026$43.5MQ3 2026
Operating cash flow less capital spending.
Burke & Herbert Financial Services: operating cash flow against capital spendingBurke & Herbert Financial Services: operating cash flow against capital spendingOperating cash flowCapital spending$76.9M$294KQ4 2024$37.6M$1.8MQ1 2025$41K$3.4MQ2 2025$39.3M$3.9MQ3 2025$30.9M$2.6MQ4 2025$26.5M$1.9MQ1 2026$313K$2.2MQ2 2026$42.3M−$1.2MQ3 2026
Latest (Q3 2026): Operating cash flow $42.3M, Capital spending −$1.2M.

Capital allocation, year by year

Burke & Herbert Financial Services: where the cash came from (up) and went (down), by fiscal yearBurke & Herbert Financial Services: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingAcquisitionsDividendsFY2021: Operating cash flow $55.0MFY2021: Net borrowing $49.8MFY2021: Asset sales $2.6MFY2021: Capital spending −$1.1MFY2021: Dividends −$14.9M$107MFY2021FY2022: Operating cash flow $61.1MFY2022: Net borrowing $67.9MFY2022: Asset sales $8.3MFY2022: Capital spending −$23.1MFY2022: Dividends −$15.7M$137MFY2022FY2023: Operating cash flow $42.5MFY2023: Net borrowing −$71.2MFY2023: Shares issued $206KFY2023: Asset sales $3.4MFY2023: Capital spending −$14.2MFY2023: Dividends −$15.7M$46.1MFY2023FY2024: Operating cash flow $85.8MFY2024: Net borrowing $92.8MFY2024: Shares issued $3.5MFY2024: Capital spending −$4.6MFY2024: Acquisitions $52.6MFY2024: Dividends −$28.6M$235MFY2024FY2025: Operating cash flow $108MFY2025: Net borrowing $84.8MFY2025: Shares issued $709KFY2025: Capital spending −$11.7MFY2025: Dividends −$33.9M$193MFY2025
Over these 5 years operating cash flow totalled $352M; the largest uses were dividends ($109M) and net borrowing ($71.2M). Cash-flow statements as filed.

Where the cash came from and went

Burke & Herbert Financial Services: sources (+) and uses (−) of cash, Q3 2026Burke & Herbert Financial Services: sources (+) and uses (−) of cash, Q3 2026Other investing−$140MOther financing$85.2MOperating cash flow$42.3MCash drawn (+) / kept (−)$22.8MDividends−$11.3MCapital spending$1.2MShares issued$147KNet borrowing (+) / repaid (−)−$77KAcquisitions−$30K
Burke & Herbert Financial Services: sources (+) and uses (−) of cash, TTM to Q3 2026Burke & Herbert Financial Services: sources (+) and uses (−) of cash, TTM to Q3 2026Net borrowing (+) / repaid (−)−$100MOperating cash flow$100MOther investing−$94.4MOther financing$78.7MAcquisitions$73.2MDividends−$39.6MCash drawn (+) / kept (−)−$12.7MCapital spending−$5.5MShares issued$635K

From profit to cash

Burke & Herbert Financial Services: net income to operating cash flow, Q3 2026Burke & Herbert Financial Services: net income to operating cash flow, Q3 2026Net income$36.4MDepreciation & amortization$2.2MStock-based pay$1.4MDeferred taxes$9.6MGains on disposals−$1.1MPrepaid and other assets$18.2MOperating cash flow$42.3M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingAcquisitionsDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$42.3M$1.2M−$30K−$11.3M−$77K$147K$22.8M$43.5M
Q2 2026$313K−$2.2M$74.6M−$11.3M−$175M$244K−$97.6M−$1.9M
Q1 2026$26.5M−$1.9M−$1.3M−$8.5M$74.9M$193K$220M$24.6M
Q4 2025$30.9M−$2.6M—−$8.5M−$66K$51K−$157M$28.3M
Q3 2025$39.3M−$3.9M—−$8.5M−$200M$169K$193M$35.4M
Q2 2025$41K−$3.4M—−$8.5M$350M$323K−$176M−$3.4M
Q1 2025$37.6M−$1.8M—−$8.5M−$65.1M$166K−$13.5M$35.9M
Q4 2024$76.9M−$294K$53.4M−$8.5M−$65.5M$822K$156M$76.6M

Burke & Herbert Financial Services: income statement and cash flow

Burke & Herbert Financial Services, Q3 2026: revenue $120M (+40% year over year), operating margin 37.2%. The chart follows the revenue to costs, profit and cash.

Burke & Herbert Financial Services: 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.