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Enterprise Financial Services cash flow, quarter by quarter

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

Free cash flow$71.1M in Q3 2026 · $235M over twelve months

Operating cash flow$72.7M
Capital spending−$1.6M
Free cash flow+$71.1M
Cash / net income1.7×

Analysis

In Q3 2026, Enterprise Financial Services generated $72.7M of operating cash flow and spent $1.6M on capital projects, leaving free cash flow of $71.1M. That is $24.0M more than in Q3 2025 ($47.1M).

Over the twelve months to Sep 30, 2026, operating cash flow was $243M; the largest uses were other investing ($832M), buybacks ($87.6M), net borrowing (+) / repaid (−) ($61.0M); besides operations, cash came from other financing ($810M); the cash balance rose by $15.9M.

Operating cash flow was $72.7M against net income of $42.4M — 1.7× profit, cash ran ahead of reported earnings. The largest differences: deferred taxes +$4.6M, other operating capital −$4.3M, stock-based pay +$3.4M.

Free cash flow

Enterprise Financial Services: free cash flow by quarterEnterprise Financial Services: free cash flow by quarter$50.1MQ4 2024$35.6MQ1 2025$59.0MQ2 2025$47.1MQ3 2025$39.8MQ4 2025$57.5MQ1 2026$67.0MQ2 2026$71.1MQ3 2026
Operating cash flow less capital spending.
Enterprise Financial Services: operating cash flow against capital spendingEnterprise Financial Services: operating cash flow against capital spendingOperating cash flowCapital spending$52.0M$1.9MQ4 2024$40.0M$4.4MQ1 2025$61.3M$2.3MQ2 2025$49.4M$2.2MQ3 2025$42.8M$3.0MQ4 2025$58.5M$1.0MQ1 2026$68.7M$1.7MQ2 2026$72.7M$1.6MQ3 2026
Latest (Q3 2026): Operating cash flow $72.7M, Capital spending $1.6M.

Capital allocation, year by year

Enterprise Financial Services: where the cash came from (up) and went (down), by fiscal yearEnterprise Financial Services: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $161MFY2021: Net borrowing −$7.1MFY2021: Shares issued $72.0MFY2021: Capital spending −$2.5MFY2021: Acquisitions $213MFY2021: Buybacks −$60.6MFY2021: Dividends −$26.2M$445MFY2021FY2022: Operating cash flow $217MFY2022: Net borrowing −$5.7MFY2022: Asset sales $1.7MFY2022: Capital spending −$1.9MFY2022: Buybacks −$32.9MFY2022: Dividends −$33.6M$218MFY2022FY2023: Operating cash flow $268MFY2023: Net borrowing −$5.7MFY2023: Asset sales $357KFY2023: Capital spending −$6.6MFY2023: Dividends −$37.4M$269MFY2023FY2024: Operating cash flow $247MFY2024: Net borrowing −$11.4MFY2024: Capital spending −$7.5MFY2024: Buybacks −$29.6MFY2024: Dividends −$39.5M$247MFY2024FY2025: Operating cash flow $194MFY2025: Net borrowing $58.7MFY2025: Asset sales $277MFY2025: Capital spending −$12.0MFY2025: Buybacks −$14.1MFY2025: Dividends −$45.1M$529MFY2025
Over these 5 years operating cash flow totalled $1.1B; the largest uses were dividends ($182M) and buybacks ($137M). Cash-flow statements as filed.

Where the cash came from and went

Enterprise Financial Services: sources (+) and uses (−) of cash, Q3 2026Enterprise Financial Services: sources (+) and uses (−) of cash, Q3 2026Other investing−$534MOther financing$445MOperating cash flow$72.7MCash drawn (+) / kept (−)$64.2MBuybacks−$34.0MDividends−$12.5MCapital spending−$1.6M
Enterprise Financial Services: sources (+) and uses (−) of cash, TTM to Q3 2026Enterprise Financial Services: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$832MOther financing$810MOperating cash flow$243MBuybacks−$87.6MNet borrowing (+) / repaid (−)−$61.0MDividends−$48.8MCash drawn (+) / kept (−)−$15.9MCapital spending−$7.3M

From profit to cash

Enterprise Financial Services: net income to operating cash flow, Q3 2026Enterprise Financial Services: net income to operating cash flow, Q3 2026Net income$42.4MStock-based pay$3.4MDeferred taxes$4.6MOther operating capital−$4.3MOperating cash flow$72.7M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$72.7M−$1.6M−$34.0M−$12.5M—$64.2M$71.1M
Q2 2026$68.7M−$1.7M−$22.8M−$12.3M−$56.5M$82.4M$67.0M
Q1 2026$58.5M−$1.0M−$27.2M−$12.2M−$2.3M$47.4M$57.5M
Q4 2025$42.8M−$3.0M−$3.5M−$11.8M−$2.3M−$210M$39.8M
Q3 2025$49.4M−$2.2M—−$11.5M−$2.3M$19.6M$47.1M
Q2 2025$61.3M−$2.3M−$14K−$11.1M—−$9.8M$59.0M
Q1 2025$40.0M−$4.4M−$10.6M−$10.7M—$282M$35.6M
Q4 2024$52.0M−$1.9M−$11.3M−$10.4M—−$338M$50.1M

Enterprise Financial Services: income statement and cash flow

Enterprise Financial Services, Q3 2026: revenue $188M (-9% year over year), operating margin 29.3%. The chart follows the revenue to costs, profit and cash.

Enterprise Financial Services: 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.