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Bancplus cash flow, quarter by quarter

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

Free cash flow$19.8M in Q3 2026 · $64.9M over twelve months

Operating cash flow$26.2M
Capital spending−$6.4M
Free cash flow+$19.8M
Cash / net income1.0×

Analysis

In Q3 2026, Bancplus generated $26.2M of operating cash flow and spent $6.4M on capital projects, leaving free cash flow of $19.8M. That is $22.5M less than in Q3 2025 ($42.3M).

Over the twelve months to Sep 30, 2026, operating cash flow was $85.7M; the largest uses were other investing ($435M), dividends ($24.5M), capital spending ($20.8M); besides operations, cash came from other financing ($384M), asset & business sales ($103K); the cash balance fell by $22.3M.

Operating cash flow was $26.2M against net income of $26.9M — 1.0× profit, roughly in line with earnings. The largest differences: payables +$4.8M, receivables −$4.3M, depreciation & amortization +$2.5M.

Free cash flow

Bancplus: free cash flow by quarterBancplus: free cash flow by quarter$20.2MQ4 2024$7.2MQ1 2025$2.6MQ2 2025$42.3MQ3 2025$17.2MQ4 2025$14.0MQ1 2026$13.9MQ2 2026$19.8MQ3 2026
Operating cash flow less capital spending.
Bancplus: operating cash flow against capital spendingBancplus: operating cash flow against capital spendingOperating cash flowCapital spending$24.0M$3.8MQ4 2024$12.4M$5.2MQ1 2025$7.2M$4.6MQ2 2025$45.6M$3.3MQ3 2025$20.2M$2.9MQ4 2025$19.1M$5.1MQ1 2026$20.2M$6.3MQ2 2026$26.2M$6.4MQ3 2026
Latest (Q3 2026): Operating cash flow $26.2M, Capital spending $6.4M.

Capital allocation, year by year

Bancplus: where the cash came from (up) and went (down), by fiscal yearBancplus: where the cash came from (up) and went (down), by fiscal yearOperating cash flowShares issuedAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $94.1MFY2021: Asset sales $81KFY2021: Capital spending −$8.0MFY2021: Buybacks −$2.4MFY2021: Dividends −$15.3M$94.2MFY2021FY2022: Operating cash flow $89.8MFY2022: Shares issued $250MFY2022: Asset sales $294KFY2022: Capital spending −$16.7MFY2022: Buybacks −$3.1MFY2022: Dividends −$18.4M$340MFY2022FY2023: Operating cash flow $84.0MFY2023: Asset sales $43KFY2023: Capital spending −$19.6MFY2023: Buybacks −$2.9MFY2023: Dividends −$20.9M$84.0MFY2023FY2024: Operating cash flow $67.0MFY2024: Asset sales $12.0MFY2024: Capital spending −$32.6MFY2024: Dividends −$21.9M$79.0MFY2024FY2025: Operating cash flow $85.4MFY2025: Capital spending −$16.0MFY2025: Buybacks −$4.8MFY2025: Dividends −$23.5M$85.4MFY2025
Over these 5 years operating cash flow totalled $420M; the largest uses were dividends ($100M) and capital spending ($93.0M). Cash-flow statements as filed.

Where the cash came from and went

Bancplus: sources (+) and uses (−) of cash, Q3 2026Bancplus: sources (+) and uses (−) of cash, Q3 2026Other financing−$75.3MCash drawn (+) / kept (−)$62.6MOperating cash flow$26.2MCapital spending−$6.4MDividends−$6.2MNet borrowing (+) / repaid (−)−$1.0MOther investing$81K
Bancplus: sources (+) and uses (−) of cash, TTM to Q3 2026Bancplus: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$435MOther financing$384MOperating cash flow$85.7MDividends−$24.5MCash drawn (+) / kept (−)$22.3MCapital spending−$20.8MBuybacks−$8.5MTaxes on employees’ shares−$3.1MAsset & business sales$103K

From profit to cash

Bancplus: net income to operating cash flow, Q3 2026Bancplus: net income to operating cash flow, Q3 2026Net income$26.9MDepreciation & amortization$2.5MStock-based pay$1.3MDeferred taxes$236KGains on disposals$77KReceivables−$4.3MPayables$4.8MOperating cash flow$26.2M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$26.2M−$6.4M—−$6.2M−$1.0M—$62.6M$19.8M
Q2 2026$20.2M−$6.3M—−$6.2M——$78.9M$13.9M
Q1 2026$19.1M−$5.1M—−$6.2M—$28K−$95.0M$14.0M
Q4 2025$20.2M−$2.9M−$4.8M−$5.9M——−$24.1M$17.2M
Q3 2025$45.6M−$3.3M—−$5.9M−$750K—$10.1M$42.3M
Q2 2025$7.2M−$4.6M—−$5.9M——$264M$2.6M
Q1 2025$12.4M−$5.2M—−$5.8M——−$188M$7.2M
Q4 2024$24.0M−$3.8M—−$5.5M——$19.6M$20.2M

Bancplus: income statement and cash flow

Bancplus, Q3 2026: revenue $93.3M (+16% year over year), operating margin 37.0%. The chart follows the revenue to costs, profit and cash.

Bancplus: 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.