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FB Financial cash flow, quarter by quarter

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

Free cash flow$18.2M in Q3 2026 · $173M over twelve months

Operating cash flow$19.7M
Capital spending−$1.4M
Free cash flow+$18.2M
Cash / net income0.3×

Analysis

In Q3 2026, FB Financial generated $19.7M of operating cash flow and spent $1.4M on capital projects, leaving free cash flow of $18.2M. That is $27.3M less than in Q3 2025 ($45.6M).

Over the twelve months to Sep 30, 2026, operating cash flow was $179M; the largest uses were other investing ($1.1B), buybacks ($223M), dividends ($42.3M); besides operations, cash came from other financing ($896M), shares issued ($1.1M); the cash balance fell by $262M.

Operating cash flow was $19.7M against net income of $60.2M — 0.3× profit, less cash than reported earnings, worth checking against working capital. The largest differences: accrued liabilities +$22.5M, depreciation & amortization +$3.1M, deferred taxes +$2.0M.

Free cash flow

FB Financial: free cash flow by quarterFB Financial: free cash flow by quarter$12.6MQ4 2024−$18.1MQ1 2025$68.4MQ2 2025$45.6MQ3 2025$51.2MQ4 2025$29.3MQ1 2026$73.8MQ2 2026$18.2MQ3 2026
Operating cash flow less capital spending.
FB Financial: operating cash flow against capital spendingFB Financial: operating cash flow against capital spendingOperating cash flowCapital spending$14.1M$1.6MQ4 2024−$16.5M$1.7MQ1 2025$71.8M$3.4MQ2 2025$47.7M$2.1MQ3 2025$52.8M$1.6MQ4 2025$31.0M$1.7MQ1 2026$75.5M$1.7MQ2 2026$19.7M$1.4MQ3 2026
Latest (Q3 2026): Operating cash flow $19.7M, Capital spending $1.4M.

Capital allocation, year by year

FB Financial: where the cash came from (up) and went (down), by fiscal yearFB Financial: where the cash came from (up) and went (down), by fiscal yearOperating cash flowShares issuedAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $54.9MFY2021: Shares issued $2.7MFY2021: Capital spending −$6.1MFY2021: Buybacks −$7.6MFY2021: Dividends −$20.9M$57.6MFY2021FY2022: Operating cash flow $800MFY2022: Shares issued $2.3MFY2022: Asset sales $875KFY2022: Capital spending −$10.6MFY2022: Buybacks −$40.0MFY2022: Dividends −$24.5M$803MFY2022FY2023: Operating cash flow $211MFY2023: Shares issued $1.4MFY2023: Asset sales $123KFY2023: Capital spending −$20.2MFY2023: Buybacks −$4.9MFY2023: Dividends −$28.1M$213MFY2023FY2024: Operating cash flow $139MFY2024: Shares issued $1.7MFY2024: Asset sales $1.0MFY2024: Capital spending −$6.5MFY2024: Buybacks −$12.7MFY2024: Dividends −$31.8M$142MFY2024FY2025: Operating cash flow $156MFY2025: Shares issued $897KFY2025: Asset sales $1.9MFY2025: Capital spending −$8.8MFY2025: Buybacks −$156MFY2025: Dividends −$37.9M$159MFY2025
Over these 5 years operating cash flow totalled $1.4B; the largest uses were buybacks ($221M) and dividends ($143M). Cash-flow statements as filed.

Where the cash came from and went

FB Financial: sources (+) and uses (−) of cash, Q3 2026FB Financial: sources (+) and uses (−) of cash, Q3 2026Other investing−$347MOther financing$273MCash drawn (+) / kept (−)$94.7MBuybacks−$29.3MOperating cash flow$19.7MDividends−$10.5MCapital spending−$1.4MShares issued$586KTaxes on employees’ shares−$27K
FB Financial: sources (+) and uses (−) of cash, TTM to Q3 2026FB Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$1.1BOther financing$896MCash drawn (+) / kept (−)$262MBuybacks−$223MOperating cash flow$179MDividends−$42.3MCapital spending−$6.5MTaxes on employees’ shares−$4.4MShares issued$1.1MPartners−$16K

From profit to cash

FB Financial: net income to operating cash flow, Q3 2026FB Financial: net income to operating cash flow, Q3 2026Net income$60.2MDepreciation & amortization$3.1MStock-based pay$1.6MDeferred taxes$2.0MAccrued liabilities$22.5MOperating cash flow$19.7M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsShares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$19.7M−$1.4M−$29.3M−$10.5M$586K$94.7M$18.2M
Q2 2026$75.5M−$1.7M−$84.2M−$10.8M—$45.4M$73.8M
Q1 2026$31.0M−$1.7M−$21.8M−$10.9M$509K−$1.9M$29.3M
Q4 2025$52.8M−$1.6M−$87.9M−$10.2M—$124M$51.2M
Q3 2025$47.7M−$2.1M−$23.9M−$10.2M$923K−$114M$45.6M
Q2 2025$71.8M−$3.4M−$34.3M−$8.7M—−$371M$68.4M
Q1 2025−$16.5M−$1.7M−$9.9M−$8.9M$764K$248M−$18.1M
Q4 2024$14.1M−$1.6M—−$7.9M—−$90.7M$12.6M

FB Financial: income statement and cash flow

FB Financial, Q3 2026: revenue $174M (+0.4% year over year), operating margin 44.1%. The chart follows the revenue to costs, profit and cash.

FB 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.