Filing Flows

Filing Flows › Companies › Muncy Columbia Financial › Cash flow

Muncy Columbia Financial cash flow, quarter by quarter

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

Free cash flow$7.2M in Q3 2026 · $34.2M over twelve months

Operating cash flow$7.3M
Capital spending−$113K
Free cash flow+$7.2M
Cash / net income1.2×

Analysis

In Q3 2026, Muncy Columbia Financial generated $7.3M of operating cash flow and spent $113K on capital projects, leaving free cash flow of $7.2M. That is $257K less than in Q3 2025 ($7.4M).

Over the twelve months to Sep 30, 2026, operating cash flow was $35.3M; the largest uses were other investing ($58.9M), dividends ($10.0M), net borrowing (+) / repaid (−) ($9.4M); besides operations, cash came from other financing ($33.8M), asset & business sales ($625K); the cash balance fell by $9.6M.

Operating cash flow was $7.3M against net income of $6.0M — 1.2× profit, cash ran ahead of reported earnings. The largest differences: deferred taxes +$695K, other non-cash −$0.

Free cash flow

Muncy Columbia Financial: free cash flow by quarterMuncy Columbia Financial: free cash flow by quarter$4.4MQ4 2024$4.1MQ1 2025$4.6MQ2 2025$7.4MQ3 2025$5.7MQ4 2025$16.5MQ1 2026$4.8MQ2 2026$7.2MQ3 2026
Operating cash flow less capital spending.
Muncy Columbia Financial: operating cash flow against capital spendingMuncy Columbia Financial: operating cash flow against capital spendingOperating cash flowCapital spending$4.5M$121KQ4 2024$4.7M$576KQ1 2025$5.1M$518KQ2 2025$7.6M$147KQ3 2025$5.9M$154KQ4 2025$16.6M$101KQ1 2026$5.6M$827KQ2 2026$7.3M$113KQ3 2026
Latest (Q3 2026): Operating cash flow $7.3M, Capital spending $113K.

Capital allocation, year by year

Muncy Columbia Financial: where the cash came from (up) and went (down), by fiscal yearMuncy Columbia Financial: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingAcquisitionsBuybacksDividendsFY2013: Operating cash flow $8.7MFY2013: Net borrowing $19.5MFY2013: Shares issued $548KFY2013: Capital spending −$293KFY2013: Buybacks −$625KFY2013: Dividends −$2.9M$28.8MFY2013FY2022: Operating cash flow $9.7MFY2022: Net borrowing $29.0MFY2022: Shares issued $74KFY2022: Capital spending −$299KFY2022: Buybacks −$25KFY2022: Dividends −$3.5M$38.8MFY2022FY2023: Operating cash flow $7.1MFY2023: Net borrowing $20.7MFY2023: Shares issued $77KFY2023: Capital spending −$968KFY2023: Acquisitions $7.8MFY2023: Dividends −$3.6M$35.7MFY2023FY2024: Operating cash flow $16.9MFY2024: Net borrowing −$184MFY2024: Shares issued $187KFY2024: Asset sales $248KFY2024: Capital spending −$407KFY2024: Buybacks −$1.5MFY2024: Dividends −$6.3M$17.3MFY2024FY2025: Operating cash flow $23.3MFY2025: Net borrowing −$55.9MFY2025: Shares issued $163KFY2025: Asset sales $80KFY2025: Capital spending −$1.4MFY2025: Dividends −$8.1M$23.5MFY2025
Over these 5 years operating cash flow totalled $65.6M; the largest uses were net borrowing ($240M) and dividends ($24.4M). Cash-flow statements as filed.

Where the cash came from and went

Muncy Columbia Financial: sources (+) and uses (−) of cash, Q3 2026Muncy Columbia Financial: sources (+) and uses (−) of cash, Q3 2026Other financing$38.2MNet borrowing (+) / repaid (−)−$16.8MCash drawn (+) / kept (−)−$15.6MOther investing−$11.4MOperating cash flow$7.3MDividends−$1.6MCapital spending−$113KShares issued$41K
Muncy Columbia Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Muncy Columbia Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$58.9MOperating cash flow$35.3MOther financing$33.8MDividends−$10.0MCash drawn (+) / kept (−)$9.6MNet borrowing (+) / repaid (−)−$9.4MCapital spending−$1.2MAsset & business sales$625KShares issued$143K

From profit to cash

Muncy Columbia Financial: net income to operating cash flow, Q3 2026Muncy Columbia Financial: net income to operating cash flow, Q3 2026Net income$6.0MDeferred taxes$695KOperating cash flow$7.3M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$7.3M−$113K−$1.6M−$16.8M$41K−$15.6M$7.2M
Q2 2026$5.6M−$827K−$5.2M$13.6M$35K$40.3M$4.8M
Q1 2026$16.6M−$101K−$1.6M−$1.8M$33K−$11.9M$16.5M
Q4 2025$5.9M−$154K−$1.6M−$4.4M$34K−$3.2M$5.7M
Q3 2025$7.6M−$147K−$1.6M−$1.2M$43K−$4.6M$7.4M
Q2 2025$5.1M−$518K−$3.4M−$9.6M$38K−$17.0M$4.6M
Q1 2025$4.7M−$576K−$1.6M—$48K−$6.4M$4.1M
Q4 2024$4.5M−$121K−$1.6M−$4.6M$37K$10.7M$4.4M

Muncy Columbia Financial: income statement and cash flow

Muncy Columbia Financial, Q3 2026: revenue $18.2M (-2% year over year), operating margin 39.8%. The chart follows the revenue to costs, profit and cash.

Muncy Columbia Financial: 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.