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Columbia Banking System cash flow, quarter by quarter

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

Free cash flow$365M in Q3 2026 · $1.4B over twelve months

Operating cash flow$365M
Free cash flow+$365M
Cash / net income1.7×

Analysis

In Q3 2026, Columbia Banking System generated $365M of operating cash flow. That is $129M more than in Q3 2025 ($236M).

Over the twelve months to Sep 30, 2026, operating cash flow was $1.4B; the largest uses were other financing ($1.8B), buybacks ($721M), dividends ($425M); besides operations, cash came from other investing ($886M), shares issued ($4.0M); the cash balance fell by $605M.

Operating cash flow was $365M against net income of $220M — 1.7× profit, cash ran ahead of reported earnings. The largest differences: other liabilities +$246M, prepaid and other assets −$162M, depreciation & amortization +$23.0M.

Free cash flow

Columbia Banking System: free cash flow by quarterColumbia Banking System: free cash flow by quarter$256MQ4 2024$122MQ1 2025$107MQ2 2025$236MQ3 2025$281MQ4 2025$494MQ1 2026$295MQ2 2026$365MQ3 2026
Operating cash flow less capital spending.
Columbia Banking System: operating cash flow against capital spendingColumbia Banking System: operating cash flow against capital spendingOperating cash flowCapital spending$256M$0Q4 2024$122M$0Q1 2025$107M$0Q2 2025$236M$0Q3 2025$281M$0Q4 2025$494M$0Q1 2026$295M$0Q2 2026$365M$0Q3 2026
Latest (Q3 2026): Operating cash flow $365M, Capital spending $0.

Capital allocation, year by year

Columbia Banking System: where the cash came from (up) and went (down), by fiscal yearColumbia Banking System: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $663MFY2021: Shares issued $2.4MFY2021: Capital spending −$15.5MFY2021: Buybacks −$80.7MFY2021: Dividends −$184M$665MFY2021FY2022: Operating cash flow $1.1BFY2022: Net borrowing $1.6BFY2022: Shares issued $2.2MFY2022: Capital spending −$27.1MFY2022: Buybacks −$4.2MFY2022: Dividends −$182M$2.7BFY2022FY2023: Operating cash flow $670MFY2023: Net borrowing $17.4BFY2023: Shares issued $1.0MFY2023: Asset sales $40.7MFY2023: Buybacks −$6.0MFY2023: Dividends −$270M$18.1BFY2023FY2024: Operating cash flow $659MFY2024: Net borrowing $4.9BFY2024: Buybacks −$6.0MFY2024: Dividends −$300M$5.6BFY2024FY2025: Operating cash flow $746MFY2025: Net borrowing $11.7BFY2025: Shares issued $3.0MFY2025: Buybacks −$109MFY2025: Dividends −$335M$12.4BFY2025
Over these 5 years operating cash flow totalled $3.8B; the largest uses were dividends ($1.3B) and buybacks ($206M). Cash-flow statements as filed.

Where the cash came from and went

Columbia Banking System: sources (+) and uses (−) of cash, Q3 2026Columbia Banking System: sources (+) and uses (−) of cash, Q3 2026Operating cash flow$365MBuybacks−$203MDividends−$104MOther investing−$48.0MOther financing−$44.0MCash drawn (+) / kept (−)$32.0MShares issued$2.0M
Columbia Banking System: sources (+) and uses (−) of cash, TTM to Q3 2026Columbia Banking System: sources (+) and uses (−) of cash, TTM to Q3 2026Other financing−$1.8BOperating cash flow$1.4BOther investing$886MBuybacks−$721MCash drawn (+) / kept (−)$605MDividends−$425MShares issued$4.0M

From profit to cash

Columbia Banking System: net income to operating cash flow, Q3 2026Columbia Banking System: net income to operating cash flow, Q3 2026Net income$220MDepreciation & amortization$23.0MStock-based pay$10.0MPrepaid and other assets−$162MOther liabilities$246MOperating cash flow$365M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$365M−$203M−$104M—$2.0M$32.0M$365M
Q2 2026$295M−$203M−$105M$4.7B—$330M$295M
Q1 2026$494M−$215M−$107M$3.4B$2.0M$281M$494M
Q4 2025$281M−$100M−$109M$3.4B—−$38.0M$281M
Q3 2025$236M—−$76.0M$2.8B$2.0M−$400M$236M
Q2 2025$107M−$2.0M−$75.0M$3.5B—$130M$107M
Q1 2025$122M−$7.0M−$75.0M$2.0B$1.0M−$194M$122M
Q4 2024$256M—−$75.0M$1.0B—$233M$256M

Columbia Banking System: income statement and cash flow

Columbia Banking System, Q3 2026: revenue $695M (+19% year over year), operating margin 42.0%. The chart follows the revenue to costs, profit and cash.

Columbia Banking System: 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.