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Financial Institutions cash flow, quarter by quarter

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

Free cash flow$31.8M in Q3 2026 · $95.9M over twelve months

Operating cash flow$33.6M
Capital spending−$1.8M
Free cash flow+$31.8M
Cash / net income1.7×

Analysis

In Q3 2026, Financial Institutions generated $33.6M of operating cash flow and spent $1.8M on capital projects, leaving free cash flow of $31.8M. That is $39.7M more than in Q3 2025 (−$7.9M).

Over the twelve months to Sep 30, 2026, operating cash flow was $101M; the largest uses were other investing ($320M), net borrowing (+) / repaid (−) ($115M), buybacks ($24.8M); besides operations, cash came from other financing ($281M); the cash balance fell by $83.1M.

Operating cash flow was $33.6M against net income of $20.0M — 1.7× profit, cash ran ahead of reported earnings. The largest differences: other liabilities +$36.6M, prepaid and other assets −$27.4M, depreciation & amortization +$1.9M.

Free cash flow

Financial Institutions: free cash flow by quarterFinancial Institutions: free cash flow by quarter$26.6MQ4 2024$9.2MQ1 2025−$7.3MQ2 2025−$7.9MQ3 2025$19.3MQ4 2025$23.0MQ1 2026$21.8MQ2 2026$31.8MQ3 2026
Operating cash flow less capital spending.
Financial Institutions: operating cash flow against capital spendingFinancial Institutions: operating cash flow against capital spendingOperating cash flowCapital spending$27.0M$403KQ4 2024$10.0M$816KQ1 2025−$5.7M$1.6MQ2 2025−$6.9M$1.0MQ3 2025$21.4M$2.1MQ4 2025$23.7M$650KQ1 2026$22.7M$848KQ2 2026$33.6M$1.8MQ3 2026
Latest (Q3 2026): Operating cash flow $33.6M, Capital spending $1.8M.

Capital allocation, year by year

Financial Institutions: where the cash came from (up) and went (down), by fiscal yearFinancial Institutions: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $73.0MFY2021: Net borrowing $24.7MFY2021: Capital spending −$9.4MFY2021: Acquisitions −$1.4MFY2021: Buybacks −$9.2MFY2021: Dividends −$17.0M$97.7MFY2021FY2022: Operating cash flow $134MFY2022: Net borrowing $175MFY2022: Capital spending −$8.4MFY2022: Buybacks −$15.3MFY2022: Dividends −$17.6M$309MFY2022FY2023: Operating cash flow $10.9MFY2023: Net borrowing $108MFY2023: Capital spending −$3.0MFY2023: Buybacks −$571KFY2023: Dividends −$18.3M$119MFY2023FY2024: Operating cash flow $77.1MFY2024: Net borrowing −$164MFY2024: Shares issued $109MFY2024: Asset sales $27.0MFY2024: Capital spending −$5.0MFY2024: Buybacks −$426KFY2024: Dividends −$18.5M$213MFY2024FY2025: Operating cash flow $18.8MFY2025: Net borrowing $80.0MFY2025: Capital spending −$5.5MFY2025: Buybacks −$11.4MFY2025: Dividends −$24.7M$98.8MFY2025
Over these 5 years operating cash flow totalled $313M; the largest uses were net borrowing ($164M) and dividends ($96.1M). Cash-flow statements as filed.

Where the cash came from and went

Financial Institutions: sources (+) and uses (−) of cash, Q3 2026Financial Institutions: sources (+) and uses (−) of cash, Q3 2026Other financing$175MOther investing−$174MOperating cash flow$33.6MNet borrowing (+) / repaid (−)−$15.0MBuybacks−$7.7MDividends−$6.7MCash drawn (+) / kept (−)−$3.7MCapital spending−$1.8M
Financial Institutions: sources (+) and uses (−) of cash, TTM to Q3 2026Financial Institutions: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$320MOther financing$281MNet borrowing (+) / repaid (−)−$115MOperating cash flow$101MCash drawn (+) / kept (−)$83.1MBuybacks−$24.8MCapital spending−$5.4M

From profit to cash

Financial Institutions: net income to operating cash flow, Q3 2026Financial Institutions: net income to operating cash flow, Q3 2026Net income$20.0MDepreciation & amortization$1.9MStock-based pay$947KDeferred taxes$1.7MPrepaid and other assets−$27.4MOther liabilities$36.6MOperating cash flow$33.6M
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$33.6M−$1.8M−$7.7M−$6.7M−$15.0M−$3.7M$31.8M
Q2 2026$22.7M−$848K−$65K−$6.6M$68.0M−$13.7M$21.8M
Q1 2026$23.7M−$650K−$6.1M−$6.6M−$110M$23.3M$23.0M
Q4 2025$21.4M−$2.1M−$10.9M—$54.0M$77.2M$19.3M
Q3 2025−$6.9M−$1.0M−$34K−$6.6M−$46.0M−$92.9M−$7.9M
Q2 2025−$5.7M−$1.6M—−$6.6M$36.0M$74.3M−$7.3M
Q1 2025$10.0M−$816K−$481K−$6.4M−$44.0M−$80.0M$9.2M
Q4 2024$27.0M−$403K−$4K—$29.0M$162M$26.6M

Financial Institutions: income statement and cash flow

Financial Institutions, Q3 2026: revenue $64.7M (+1% year over year), operating margin 37.1%. The chart follows the revenue to costs, profit and cash.

Financial Institutions: 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.