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First Northern Community Bancorp cash flow, quarter by quarter

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

Free cash flow$3.9M in Q3 2026 · $17.7M over twelve months

Operating cash flow$4.7M
Capital spending−$790K
Free cash flow+$3.9M
Cash / net income0.8×

Analysis

In Q3 2026, First Northern Community Bancorp generated $4.7M of operating cash flow and spent $790K on capital projects, leaving free cash flow of $3.9M. That is $11.4M more than in Q3 2025 (−$7.5M).

Over the twelve months to Sep 30, 2026, operating cash flow was $20.0M; the largest uses were other investing ($113M), buybacks ($4.7M), capital spending ($2.3M); besides operations, cash came from other financing ($74.2M); the cash balance fell by $26.3M.

Operating cash flow was $4.7M against net income of $6.2M — 0.8× profit, less cash than reported earnings, worth checking against working capital. The largest differences: accrued liabilities +$9.1M, depreciation & amortization +$510K, stock-based pay +$256K.

Free cash flow

First Northern Community Bancorp: free cash flow by quarterFirst Northern Community Bancorp: free cash flow by quarter$6.2MQ4 2024$3.3MQ1 2025$2.2MQ2 2025−$7.5MQ3 2025$7.1MQ4 2025$3.8MQ1 2026$2.9MQ2 2026$3.9MQ3 2026
Operating cash flow less capital spending.
First Northern Community Bancorp: operating cash flow against capital spendingFirst Northern Community Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending$6.3M$122KQ4 2024$3.4M$96KQ1 2025$2.5M$335KQ2 2025−$6.6M$838KQ3 2025$7.6M$431KQ4 2025$4.3M$498KQ1 2026$3.5M$561KQ2 2026$4.7M$790KQ3 2026
Latest (Q3 2026): Operating cash flow $4.7M, Capital spending $790K.

Capital allocation, year by year

First Northern Community Bancorp: where the cash came from (up) and went (down), by fiscal yearFirst Northern Community Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowShares issuedCapital spendingBuybacksDividendsFY2021: Operating cash flow $25.3MFY2021: Shares issued $97KFY2021: Capital spending −$803KFY2021: Buybacks −$5.4M$25.4MFY2021FY2022: Operating cash flow $21.8MFY2022: Shares issued $116KFY2022: Capital spending −$344KFY2022: Buybacks −$187K$21.9MFY2022FY2023: Operating cash flow $27.3MFY2023: Shares issued $96KFY2023: Capital spending −$1.2MFY2023: Buybacks −$143K$27.4MFY2023FY2024: Operating cash flow $19.5MFY2024: Shares issued $102KFY2024: Capital spending −$343KFY2024: Buybacks −$3.8MFY2024: Dividends −$6.4M$19.6MFY2024FY2025: Operating cash flow $6.9MFY2025: Shares issued $93KFY2025: Capital spending −$1.7MFY2025: Buybacks −$4.7MFY2025: Dividends −$7.5M$7.0MFY2025
Over these 5 years operating cash flow totalled $101M; the largest uses were buybacks ($14.2M) and dividends ($13.9M). Cash-flow statements as filed.

Where the cash came from and went

First Northern Community Bancorp: sources (+) and uses (−) of cash, Q3 2026First Northern Community Bancorp: sources (+) and uses (−) of cash, Q3 2026Other financing$68.6MOther investing−$60.9MCash drawn (+) / kept (−)−$9.7MOperating cash flow$4.7MBuybacks−$1.8MCapital spending−$790K
First Northern Community Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026First Northern Community Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$113MOther financing$74.2MCash drawn (+) / kept (−)$26.3MOperating cash flow$20.0MBuybacks−$4.7MCapital spending−$2.3M

From profit to cash

First Northern Community Bancorp: net income to operating cash flow, Q3 2026First Northern Community Bancorp: net income to operating cash flow, Q3 2026Net income$6.2MDepreciation & amortization$510KStock-based pay$256KAccrued liabilities$9.1MOperating cash flow$4.7M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksCash drawn (+) / kept (−)Free cash flow
Q3 2026$4.7M−$790K−$1.8M−$9.7M$3.9M
Q2 2026$3.5M−$561K−$244K$26.1M$2.9M
Q1 2026$4.3M−$498K−$1.2M$6.0M$3.8M
Q4 2025$7.6M−$431K−$1.5M$4.0M$7.1M
Q3 2025−$6.6M−$838K−$1.1M−$22.7M−$7.5M
Q2 2025$2.5M−$335K−$876K−$15.1M$2.2M
Q1 2025$3.4M−$96K−$1.3M$7.7M$3.3M
Q4 2024$6.3M−$122K−$969K$44.5M$6.2M

First Northern Community Bancorp: income statement and cash flow

First Northern Community Bancorp, Q3 2026: revenue $21.0M (+14% year over year), operating margin 39.5%. The chart follows the revenue to costs, profit and cash.

First Northern Community Bancorp: 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.