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First Busey cash flow, quarter by quarter

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

Free cash flow$69.3M in Q3 2026 · $223M over twelve months

Operating cash flow$71.2M
Capital spending−$1.9M
Free cash flow+$69.3M
Cash / net income1.3×

Analysis

In Q3 2026, First Busey generated $71.2M of operating cash flow and spent $1.9M on capital projects, leaving free cash flow of $69.3M. That is $14.9M more than in Q3 2025 ($54.5M).

Over the twelve months to Sep 30, 2026, operating cash flow was $236M; the largest uses were buybacks ($220M), dividends ($107M), capital spending ($13.0M); besides operations, cash came from other financing ($502M), other investing ($112M); the cash balance rose by $510M.

Operating cash flow was $71.2M against net income of $55.8M — 1.3× profit, cash ran ahead of reported earnings. The largest differences: prepaid and other assets −$7.6M, stock-based pay +$4.0M, depreciation & amortization +$3.6M.

Free cash flow

First Busey: free cash flow by quarterFirst Busey: free cash flow by quarter$50.4MQ4 2024$6.6MQ1 2025$46.1MQ2 2025$54.5MQ3 2025$65.8MQ4 2025$49.1MQ1 2026$39.2MQ2 2026$69.3MQ3 2026
Operating cash flow less capital spending.
First Busey: operating cash flow against capital spendingFirst Busey: operating cash flow against capital spendingOperating cash flowCapital spending$52.3M$1.9MQ4 2024$8.4M$1.8MQ1 2025$49.5M$3.4MQ2 2025$62.5M$8.0MQ3 2025$72.2M$6.4MQ4 2025$51.5M$2.5MQ1 2026$41.5M$2.3MQ2 2026$71.2M$1.9MQ3 2026
Latest (Q3 2026): Operating cash flow $71.2M, Capital spending $1.9M.

Capital allocation, year by year

First Busey: where the cash came from (up) and went (down), by fiscal yearFirst Busey: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $162MFY2021: Asset sales $7.3MFY2021: Capital spending −$5.0MFY2021: Acquisitions $228MFY2021: Buybacks −$33.0MFY2021: Dividends −$50.8M$398MFY2021FY2022: Operating cash flow $166MFY2022: Asset sales $4.5MFY2022: Capital spending −$5.0MFY2022: Buybacks −$9.9MFY2022: Dividends −$50.9M$170MFY2022FY2023: Operating cash flow $173MFY2023: Net borrowing −$335MFY2023: Asset sales $4.4MFY2023: Capital spending −$9.5MFY2023: Buybacks −$4.5MFY2023: Dividends −$53.1M$178MFY2023FY2024: Operating cash flow $178MFY2024: Net borrowing −$36.0MFY2024: Asset sales $2.2MFY2024: Capital spending −$6.4MFY2024: Acquisitions $18.4MFY2024: Dividends −$54.2M$199MFY2024FY2025: Operating cash flow $193MFY2025: Net borrowing −$11.3MFY2025: Shares issued $207MFY2025: Asset sales $936KFY2025: Capital spending −$19.6MFY2025: Acquisitions $386MFY2025: Buybacks −$69.9MFY2025: Dividends −$91.0M$787MFY2025
Over these 5 years operating cash flow totalled $872M; the largest uses were net borrowing ($382M) and dividends ($300M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$883M
Debt$268M
Net cash$615M

First Busey funds itself: free cash flow was $223M over the last twelve months, and $883M of cash and investments stands against $268M of debt.

Where the cash came from and went

First Busey: sources (+) and uses (−) of cash, Q3 2026First Busey: sources (+) and uses (−) of cash, Q3 2026Other financing$430MCash drawn (+) / kept (−)−$218MOther investing−$201MOperating cash flow$71.2MBuybacks−$60.2MDividends−$26.1MNet borrowing (+) / repaid (−)$6.1MCapital spending−$1.9MTaxes on employees’ shares−$120KAsset & business sales$7K
First Busey: sources (+) and uses (−) of cash, TTM to Q3 2026First Busey: sources (+) and uses (−) of cash, TTM to Q3 2026Cash drawn (+) / kept (−)−$510MOther financing$502MOperating cash flow$236MBuybacks−$220MOther investing$112MDividends−$107MCapital spending−$13.0MTaxes on employees’ shares−$6.9MNet borrowing (+) / repaid (−)$5.9MAsset & business sales$529K

From profit to cash

First Busey: net income to operating cash flow, Q3 2026First Busey: net income to operating cash flow, Q3 2026Net income$55.8MDepreciation & amortization$3.6MStock-based pay$4.0MGains on investments−$137KGains on disposals−$4KPrepaid and other assets−$7.6MOther liabilities−$2.0MOperating cash flow$71.2M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingAcquisitionsBuybacksDividendsNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$71.2M−$1.9M—−$60.2M−$26.1M$6.1M−$218M$69.3M
Q2 2026$41.5M−$2.3M—−$63.8M−$26.7M−$170M−$377M$39.2M
Q1 2026$51.5M−$2.5M—−$66.1M−$27.2M$170M−$8.2M$49.1M
Q4 2025$72.2M−$6.4M—−$29.8M−$26.7M−$42K$93.1M$65.8M
Q3 2025$62.5M−$8.0M—−$13.5M−$27.4M−$99K$366M$54.5M
Q2 2025$49.5M−$3.4M—−$21.7M−$22.6M−$11.2M$448M$46.1M
Q1 2025$8.4M−$1.8M$386M−$4.8M−$14.2M—−$503M$6.6M
Q4 2024$52.3M−$1.9M——−$13.6M—−$144M$50.4M

First Busey: income statement and cash flow

First Busey, Q3 2026: revenue $194M (-1% year over year), operating margin 37.5%. The chart follows the revenue to costs, profit and cash.

First Busey: 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.