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First Trinity Financial cash flow, quarter by quarter

Latest: Q2 2026 · from the cash-flow statements filed with the SEC

Free cash flow$11.5M in Q2 2026 · $49.6M over twelve months

Operating cash flow$11.5M
Free cash flow+$11.5M
Cash / net income7.2×

Analysis

In Q2 2026, First Trinity Financial generated $11.5M of operating cash flow. That is $487K less than in Q2 2025 ($11.9M).

Over the twelve months to Jun 30, 2026, operating cash flow was $49.6M; the largest uses were other financing ($26.5M), other investing ($21.2M); besides operations, cash came from asset & business sales ($386K); the cash balance rose by $2.4M.

Operating cash flow was $11.5M against net income of $1.6M — 7.2× profit, cash ran ahead of reported earnings. The largest differences: depreciation & amortization +$2.1M, prepaid and other assets +$1.5M, other liabilities −$1.4M.

Free cash flow

First Trinity Financial: free cash flow by quarterFirst Trinity Financial: free cash flow by quarter$18.4MQ3 2024$730KQ4 2024$5.5MQ1 2025$11.9MQ2 2025$9.2MQ3 2025$15.0MQ4 2025$14.0MQ1 2026$11.5MQ2 2026
Operating cash flow less capital spending.
First Trinity Financial: operating cash flow against capital spendingFirst Trinity Financial: operating cash flow against capital spendingOperating cash flowCapital spending$18.4M$0Q3 2024$730K$0Q4 2024$5.5M$0Q1 2025$11.9M$0Q2 2025$9.2M$0Q3 2025$15.0M$0Q4 2025$14.0M$0Q1 2026$11.5M$0Q2 2026
Latest (Q2 2026): Operating cash flow $11.5M, Capital spending $0.

Capital allocation, year by year

First Trinity Financial: where the cash came from (up) and went (down), by fiscal yearFirst Trinity Financial: where the cash came from (up) and went (down), by fiscal yearOperating cash flowAsset salesBuybacksFY2021: Operating cash flow $19.1MFY2021: Asset sales $818K$19.9MFY2021FY2022: Operating cash flow $30.0MFY2022: Asset sales $200K$30.2MFY2022FY2023: Operating cash flow $40.4M$40.4MFY2023FY2024: Operating cash flow $90.0MFY2024: Asset sales $277K$90.3MFY2024FY2025: Operating cash flow $41.6MFY2025: Asset sales $496KFY2025: Buybacks −$85K$42.1MFY2025
Over these 5 years operating cash flow totalled $221M; the largest uses were buybacks ($85K). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$40.0M
Debtnone
Net cash$40.0M

First Trinity Financial funds itself: free cash flow was $49.6M over the last twelve months, with $40.0M of cash and investments and no debt on the balance sheet.

Where the cash came from and went

First Trinity Financial: sources (+) and uses (−) of cash, Q2 2026First Trinity Financial: sources (+) and uses (−) of cash, Q2 2026Other investing−$17.5MOperating cash flow$11.5MOther financing$6.8MCash drawn (+) / kept (−)−$779K
First Trinity Financial: sources (+) and uses (−) of cash, TTM to Q2 2026First Trinity Financial: sources (+) and uses (−) of cash, TTM to Q2 2026Operating cash flow$49.6MOther financing−$26.5MOther investing−$21.2MCash drawn (+) / kept (−)−$2.4MAsset & business sales$386K

From profit to cash

First Trinity Financial: net income to operating cash flow, Q2 2026First Trinity Financial: net income to operating cash flow, Q2 2026Net income$1.6MDepreciation & amortization$2.1MDeferred taxes$237KReceivables−$325KPrepaid and other assets$1.5MOther liabilities−$1.4MOperating cash flow$11.5M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCash drawn (+) / kept (−)Free cash flow
Q2 2026$11.5M−$779K$11.5M
Q1 2026$14.0M$291K$14.0M
Q4 2025$15.0M−$6.6M$15.0M
Q3 2025$9.2M$4.7M$9.2M
Q2 2025$11.9M$3.7M$11.9M
Q1 2025$5.5M$23.0M$5.5M
Q4 2024$730K$760K$730K
Q3 2024$18.4M−$3.3M$18.4M

First Trinity Financial: income statement and cash flow

First Trinity Financial, Q2 2026: revenue $21.4M (-4% year over year), operating margin 9.7%. The chart follows the revenue to costs, profit and cash.

First Trinity 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.