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Bank7 cash flow, quarter by quarter

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

Free cash flow$14.4M in Q3 2026 · $42.0M over twelve months

Operating cash flow$15.9M
Capital spending−$1.5M
Free cash flow+$14.4M
Cash / net income1.6×

Analysis

In Q3 2026, Bank7 generated $15.9M of operating cash flow and spent $1.5M on capital projects, leaving free cash flow of $14.4M. That is $2.0M less than in Q3 2025 ($16.4M).

Over the twelve months to Sep 30, 2026, operating cash flow was $49.1M; the largest uses were other investing ($79.1M), dividends ($10.2M), capital spending ($7.1M); besides operations, cash came from other financing ($84.3M); the cash balance rose by $35.4M.

Operating cash flow was $15.9M against net income of $10.2M — 1.6× profit, cash ran ahead of reported earnings. The largest differences: stock-based pay +$803K, deferred taxes +$321K, depreciation & amortization +$304K.

Free cash flow

Bank7: free cash flow by quarterBank7: free cash flow by quarter$11.8MQ4 2024$8.2MQ1 2025$8.8MQ2 2025$16.4MQ3 2025$8.0MQ4 2025$14.2MQ1 2026$5.4MQ2 2026$14.4MQ3 2026
Operating cash flow less capital spending.
Bank7: operating cash flow against capital spendingBank7: operating cash flow against capital spendingOperating cash flowCapital spending$13.1M$1.3MQ4 2024$11.0M$2.8MQ1 2025$9.4M$639KQ2 2025$16.6M$214KQ3 2025$9.1M$1.1MQ4 2025$16.6M$2.5MQ1 2026$7.5M$2.0MQ2 2026$15.9M$1.5MQ3 2026
Latest (Q3 2026): Operating cash flow $15.9M, Capital spending $1.5M.

Capital allocation, year by year

Bank7: where the cash came from (up) and went (down), by fiscal yearBank7: where the cash came from (up) and went (down), by fiscal yearOperating cash flowShares issuedAsset salesCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $30.1MFY2021: Shares issued $1KFY2021: Asset sales $17KFY2021: Capital spending −$599KFY2021: Acquisitions $20.4MFY2021: Buybacks −$178KFY2021: Dividends −$4.0M$50.6MFY2021FY2022: Operating cash flow $39.7MFY2022: Asset sales $3.4MFY2022: Capital spending −$294KFY2022: Buybacks −$454KFY2022: Dividends −$4.4M$43.1MFY2022FY2023: Operating cash flow $49.1MFY2023: Shares issued $1KFY2023: Asset sales $78KFY2023: Capital spending −$2.8MFY2023: Acquisitions −$16.5MFY2023: Buybacks −$513KFY2023: Dividends −$6.3M$49.2MFY2023FY2024: Operating cash flow $55.0MFY2024: Shares issued $2KFY2024: Asset sales $218KFY2024: Capital spending −$4.2MFY2024: Buybacks −$666KFY2024: Dividends −$8.1M$55.3MFY2024FY2025: Operating cash flow $46.1MFY2025: Shares issued $1KFY2025: Capital spending −$4.7MFY2025: Acquisitions −$2.8MFY2025: Buybacks −$1.3MFY2025: Dividends −$9.3M$46.1MFY2025
Over these 5 years operating cash flow totalled $220M; the largest uses were dividends ($32.1M) and acquisitions ($19.2M). Cash-flow statements as filed.

Where the cash came from and went

Bank7: sources (+) and uses (−) of cash, Q3 2026Bank7: sources (+) and uses (−) of cash, Q3 2026Other financing$83.3MCash drawn (+) / kept (−)−$56.6MOther investing−$38.4MOperating cash flow$15.9MDividends−$2.6MCapital spending−$1.5MBuybacks−$141K
Bank7: sources (+) and uses (−) of cash, TTM to Q3 2026Bank7: sources (+) and uses (−) of cash, TTM to Q3 2026Other financing$84.3MOther investing−$79.1MOperating cash flow$49.1MCash drawn (+) / kept (−)−$35.4MDividends−$10.2MCapital spending−$7.1MBuybacks−$1.6M

From profit to cash

Bank7: net income to operating cash flow, Q3 2026Bank7: net income to operating cash flow, Q3 2026Net income$10.2MDepreciation & amortization$304KStock-based pay$803KDeferred taxes$321KGains on disposals−$17KOperating cash flow$15.9M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingAcquisitionsBuybacksDividendsShares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$15.9M−$1.5M—−$141K−$2.6M—−$56.6M$14.4M
Q2 2026$7.5M−$2.0M——−$2.6M—$26.1M$5.4M
Q1 2026$16.6M−$2.5M—−$1.2M−$2.6M—−$2.1M$14.2M
Q4 2025$9.1M−$1.1M—−$251K−$2.6M—−$2.9M$8.0M
Q3 2025$16.6M−$214K—−$9K−$2.3M$1K−$22.9M$16.4M
Q2 2025$9.4M−$639K—−$2K−$2.3M—$21.7M$8.8M
Q1 2025$11.0M−$2.8M−$2.8M−$1.0M−$2.3M—−$6.4M$8.2M
Q4 2024$13.1M−$1.3M—−$241K−$2.2M$1K−$47.5M$11.8M

Bank7: income statement and cash flow

Bank7, Q3 2026: revenue $23.4M (-7% year over year), operating margin 58.3%. The chart follows the revenue to costs, profit and cash.

Bank7: 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.