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Dime Commercial Bancshares cash flow, quarter by quarter

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

Free cash flow$108M in Q3 2026 · $258M over twelve months

Operating cash flow$108M
Free cash flow+$108M
Cash / net income2.6×

Analysis

In Q3 2026, Dime Commercial Bancshares generated $108M of operating cash flow. That is $56.7M more than in Q3 2025 ($51.2M).

Over the twelve months to Sep 30, 2026, operating cash flow was $258M; the largest uses were other investing ($587M), dividends ($43.1M), taxes on employees’ shares ($5.8M); besides operations, cash came from other financing ($844M), asset & business sales ($2.7M); the cash balance rose by $470M.

Operating cash flow was $108M against net income of $41.6M — 2.6× profit, cash ran ahead of reported earnings. The largest differences: other liabilities +$61.4M, prepaid and other assets −$6.7M, stock-based pay +$2.3M.

Free cash flow

Dime Commercial Bancshares: free cash flow by quarterDime Commercial Bancshares: free cash flow by quarter$89.0MQ4 2024$65.4MQ1 2025$23.1MQ2 2025$51.2MQ3 2025$46.0MQ4 2025$48.0MQ1 2026$56.1MQ2 2026$108MQ3 2026
Operating cash flow less capital spending.
Dime Commercial Bancshares: operating cash flow against capital spendingDime Commercial Bancshares: operating cash flow against capital spendingOperating cash flowCapital spending$89.0M$0Q4 2024$65.4M$0Q1 2025$23.1M$0Q2 2025$52.1M$864KQ3 2025$46.0M$0Q4 2025$48.0M$0Q1 2026$56.1M$0Q2 2026$108M$0Q3 2026
Latest (Q3 2026): Operating cash flow $108M, Capital spending $0.

Capital allocation, year by year

Dime Commercial Bancshares: where the cash came from (up) and went (down), by fiscal yearDime Commercial Bancshares: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $146MFY2021: Net borrowing −$118MFY2021: Shares issued $431KFY2021: Asset sales $14KFY2021: Buybacks −$59.3MFY2021: Dividends −$39.4M$147MFY2021FY2022: Operating cash flow $295MFY2022: Net borrowing −$502KFY2022: Shares issued $1.2MFY2022: Asset sales $1.9MFY2022: Capital spending −$3.7MFY2022: Buybacks −$46.8MFY2022: Dividends −$36.8M$298MFY2022FY2023: Operating cash flow $90.9MFY2023: Shares issued $1.2MFY2023: Asset sales $25KFY2023: Buybacks −$947KFY2023: Dividends −$37.3M$92.1MFY2023FY2024: Operating cash flow $99.1MFY2024: Net borrowing $50.0MFY2024: Shares issued $137MFY2024: Asset sales $19.3MFY2024: Dividends −$38.0M$305MFY2024FY2025: Operating cash flow $187MFY2025: Net borrowing −$50.0MFY2025: Shares issued $924KFY2025: Asset sales $2.2MFY2025: Dividends −$42.9M$190MFY2025
Over these 5 years operating cash flow totalled $818M; the largest uses were dividends ($194M) and net borrowing ($169M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$2.2B
Debtnone
Net cash$2.2B

Dime Commercial Bancshares funds itself: free cash flow was $258M over the last twelve months, with $2.2B of cash and investments and no debt on the balance sheet.

Where the cash came from and went

Dime Commercial Bancshares: sources (+) and uses (−) of cash, Q3 2026Dime Commercial Bancshares: sources (+) and uses (−) of cash, Q3 2026Other financing$397MCash drawn (+) / kept (−)−$250MOther investing−$242MOperating cash flow$108MDividends−$10.8MTaxes on employees’ shares−$2.1MShares issued$268K
Dime Commercial Bancshares: sources (+) and uses (−) of cash, TTM to Q3 2026Dime Commercial Bancshares: sources (+) and uses (−) of cash, TTM to Q3 2026Other financing$844MOther investing−$587MCash drawn (+) / kept (−)−$470MOperating cash flow$258MDividends−$43.1MTaxes on employees’ shares−$5.8MAsset & business sales$2.7MShares issued$857K

From profit to cash

Dime Commercial Bancshares: net income to operating cash flow, Q3 2026Dime Commercial Bancshares: net income to operating cash flow, Q3 2026Net income$41.6MDepreciation & amortization$1.1MStock-based pay$2.3MPrepaid and other assets−$6.7MOther liabilities$61.4MOperating cash flow$108M
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$108M—−$10.8M—$268K−$250M$108M
Q2 2026$56.1M—−$10.8M—$148K$125M$56.1M
Q1 2026$48.0M—−$10.8M—$159K$294M$48.0M
Q4 2025$46.0M—−$10.8M—$282K−$639M$46.0M
Q3 2025$52.1M−$864K−$10.7M—$159K−$558M$51.2M
Q2 2025$23.1M—−$10.7M—$315K−$126M$23.1M
Q1 2025$65.4M—−$10.7M−$50.0M$168K$253M$65.4M
Q4 2024$89.0M—−$9.5M—$342K−$658M$89.0M

Dime Commercial Bancshares: income statement and cash flow

Dime Commercial Bancshares, Q3 2026: revenue $135M (+17% year over year), operating margin 41.4%. The chart follows the revenue to costs, profit and cash.

Dime Commercial Bancshares: 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.