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Princeton Bancorp cash flow, quarter by quarter

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

Free cash flow$7.0M in Q3 2026 · $25.7M over twelve months

Operating cash flow$6.3M
Capital spending$726K
Free cash flow+$7.0M
Cash / net income6.2×

Analysis

In Q3 2026, Princeton Bancorp generated $6.3M of operating cash flow and spent −$726K on capital projects, leaving free cash flow of $7.0M. That is $2.4M more than in Q3 2025 ($4.7M).

Over the twelve months to Sep 30, 2026, operating cash flow was $26.3M; the largest uses were other investing ($106M), dividends ($9.3M), buybacks ($631K); besides operations, cash came from other financing ($74.9M), shares issued ($546K); the cash balance fell by $15.1M.

Operating cash flow was $6.3M against net income of $1.0M — 6.2× profit, cash ran ahead of reported earnings. The largest differences: deferred taxes −$2.8M, accrued liabilities −$1.2M, stock-based pay +$353K.

Free cash flow

Princeton Bancorp: free cash flow by quarterPrinceton Bancorp: free cash flow by quarter$3.8MQ4 2024$1.1MQ1 2025$2.9MQ2 2025$4.7MQ3 2025$12.0MQ4 2025$4.9MQ1 2026$1.8MQ2 2026$7.0MQ3 2026
Operating cash flow less capital spending.
Princeton Bancorp: operating cash flow against capital spendingPrinceton Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending$4.4M$663KQ4 2024$1.3M$200KQ1 2025$3.1M$251KQ2 2025$4.9M$234KQ3 2025$12.2M$204KQ4 2025$5.2M$274KQ1 2026$2.6M$825KQ2 2026$6.3M−$726KQ3 2026
Latest (Q3 2026): Operating cash flow $6.3M, Capital spending −$726K.

Capital allocation, year by year

Princeton Bancorp: where the cash came from (up) and went (down), by fiscal yearPrinceton Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowShares issuedCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $12.9MFY2021: Shares issued $297KFY2021: Capital spending −$1.2MFY2021: Buybacks −$10.0MFY2021: Dividends −$4.4M$13.2MFY2021FY2022: Operating cash flow $24.0MFY2022: Shares issued $1.1MFY2022: Capital spending −$607KFY2022: Buybacks −$9.4MFY2022: Dividends −$6.5M$25.1MFY2022FY2023: Operating cash flow $23.1MFY2023: Shares issued $989KFY2023: Capital spending −$1.7MFY2023: Acquisitions −$25.4MFY2023: Dividends −$7.4M$24.1MFY2023FY2024: Operating cash flow $14.7MFY2024: Shares issued $685KFY2024: Capital spending −$1.5MFY2024: Buybacks −$842KFY2024: Dividends −$7.6M$15.4MFY2024FY2025: Operating cash flow $21.5MFY2025: Shares issued $1.8MFY2025: Capital spending −$889KFY2025: Buybacks −$7.9MFY2025: Dividends −$8.7M$23.3MFY2025
Over these 5 years operating cash flow totalled $96.2M; the largest uses were dividends ($34.6M) and buybacks ($28.2M). Cash-flow statements as filed.

Where the cash came from and went

Princeton Bancorp: sources (+) and uses (−) of cash, Q3 2026Princeton Bancorp: sources (+) and uses (−) of cash, Q3 2026Other investing−$81.1MOther financing$68.0MCash drawn (+) / kept (−)$8.4MOperating cash flow$6.3MDividends−$2.3MCapital spending$726K
Princeton Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Princeton Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$106MOther financing$74.9MOperating cash flow$26.3MCash drawn (+) / kept (−)$15.1MDividends−$9.3MBuybacks−$631KCapital spending−$577KShares issued$546K

From profit to cash

Princeton Bancorp: net income to operating cash flow, Q3 2026Princeton Bancorp: net income to operating cash flow, Q3 2026Net income$1.0MStock-based pay$353KDeferred taxes−$2.8MAccrued liabilities−$1.2MOperating cash flow$6.3M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsShares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$6.3M$726K—−$2.3M—$8.4M$7.0M
Q2 2026$2.6M−$825K−$272K−$2.1M$520K$53.6M$1.8M
Q1 2026$5.2M−$274K−$55K−$2.5M$41K$15.9M$4.9M
Q4 2025$12.2M−$204K−$304K−$2.4M−$15K−$62.8M$12.0M
Q3 2025$4.9M−$234K−$1.9M−$2.1M$502K−$51.8M$4.7M
Q2 2025$3.1M−$251K−$5.5M−$2.1M$899K$46.6M$2.9M
Q1 2025$1.3M−$200K−$163K−$2.1M$443K$49.7M$1.1M
Q4 2024$4.4M−$663K—−$2.0M$95K$63.7M$3.8M

Princeton Bancorp: income statement and cash flow

Princeton Bancorp, Q3 2026: revenue $22.5M (+4% year over year), operating margin 5.7%. The chart follows the revenue to costs, profit and cash.

Princeton Bancorp: 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.