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First US Bancshares cash flow, quarter by quarter

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

Free cash flow$3.7M in Q3 2026 · $8.9M over twelve months

Operating cash flow$3.9M
Capital spending−$173K
Free cash flow+$3.7M
Cash / net income2.0×

Analysis

In Q3 2026, First US Bancshares generated $3.9M of operating cash flow and spent $173K on capital projects, leaving free cash flow of $3.7M. That is $115K more than in Q3 2025 ($3.6M).

Over the twelve months to Sep 30, 2026, operating cash flow was $11.1M; the largest uses were other investing ($13.9M), buybacks ($11.3M), capital spending ($2.3M); besides operations, cash came from other financing ($14.7M), net borrowing (+) / repaid (−) ($10.0M); the cash balance rose by $6.9M.

Operating cash flow was $3.9M against net income of $2.0M — 2.0× profit, cash ran ahead of reported earnings. The largest differences: other liabilities +$545K, prepaid and other assets +$447K, stock-based pay +$196K.

Free cash flow

First US Bancshares: free cash flow by quarterFirst US Bancshares: free cash flow by quarter$2.2MQ4 2024$1.7MQ1 2025$1.6MQ2 2025$3.6MQ3 2025$2.2MQ4 2025$3.6MQ1 2026−$644KQ2 2026$3.7MQ3 2026
Operating cash flow less capital spending.
First US Bancshares: operating cash flow against capital spendingFirst US Bancshares: operating cash flow against capital spendingOperating cash flowCapital spending$2.4M$270KQ4 2024$1.8M$70KQ1 2025$3.9M$2.3MQ2 2025$4.2M$624KQ3 2025$2.5M$296KQ4 2025$4.1M$474KQ1 2026$697K$1.3MQ2 2026$3.9M$173KQ3 2026
Latest (Q3 2026): Operating cash flow $3.9M, Capital spending $173K.

Capital allocation, year by year

First US Bancshares: where the cash came from (up) and went (down), by fiscal yearFirst US Bancshares: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingCapital spendingBuybacksDividendsFY2021: Operating cash flow $9.8MFY2021: Net borrowing $10.7MFY2021: Capital spending −$822KFY2021: Buybacks −$525KFY2021: Dividends −$745K$20.5MFY2021FY2022: Operating cash flow $12.5MFY2022: Net borrowing $10.0MFY2022: Capital spending −$1.3MFY2022: Buybacks −$4.5MFY2022: Dividends −$832K$22.5MFY2022FY2023: Operating cash flow $13.1MFY2023: Net borrowing −$10.0MFY2023: Capital spending −$1.5MFY2023: Buybacks −$1.4MFY2023: Dividends −$1.2M$13.1MFY2023FY2024: Operating cash flow $7.8MFY2024: Capital spending −$2.1MFY2024: Buybacks −$1.6MFY2024: Dividends −$1.3M$7.8MFY2024FY2025: Operating cash flow $12.3MFY2025: Net borrowing −$10.0MFY2025: Capital spending −$3.2MFY2025: Buybacks −$1.8MFY2025: Dividends −$1.6M$12.3MFY2025
Over these 5 years operating cash flow totalled $55.5M; the largest uses were net borrowing ($20.0M) and buybacks ($9.8M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$61.6M
Debt$41.0M
Net cash$20.6M

First US Bancshares funds itself: free cash flow was $8.9M over the last twelve months, and $61.6M of cash and investments stands against $41.0M of debt.

Where the cash came from and went

First US Bancshares: sources (+) and uses (−) of cash, Q3 2026First US Bancshares: sources (+) and uses (−) of cash, Q3 2026Other financing$19.2MOther investing−$18.5MBuybacks−$6.4MNet borrowing (+) / repaid (−)$5.0MOperating cash flow$3.9MCash drawn (+) / kept (−)−$2.6MDividends−$362KCapital spending−$173K
First US Bancshares: sources (+) and uses (−) of cash, TTM to Q3 2026First US Bancshares: sources (+) and uses (−) of cash, TTM to Q3 2026Other financing$14.7MOther investing−$13.9MBuybacks−$11.3MOperating cash flow$11.1MNet borrowing (+) / repaid (−)$10.0MCash drawn (+) / kept (−)−$6.9MCapital spending−$2.3MDividends−$1.5M

From profit to cash

First US Bancshares: net income to operating cash flow, Q3 2026First US Bancshares: net income to operating cash flow, Q3 2026Net income$2.0MStock-based pay$196KDeferred taxes−$89KPrepaid and other assets$447KOther liabilities$545KOperating cash flow$3.9M
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$3.9M−$173K−$6.4M−$362K$5.0M−$2.6M$3.7M
Q2 2026$697K−$1.3M−$1.4M−$386K$25.0M$7.6M−$644K
Q1 2026$4.1M−$474K−$2.2M−$395K—$7.0M$3.6M
Q4 2025$2.5M−$296K−$1.2M−$400K−$20.0M−$18.9M$2.2M
Q3 2025$4.2M−$624K—−$404K—−$735K$3.6M
Q2 2025$3.9M−$2.3M—−$403K−$10.0M$2.1M$1.6M
Q1 2025$1.8M−$70K−$535K−$401K$35.0M−$8.8M$1.7M
Q4 2024$2.4M−$270K−$507K−$400K$10.0M$35.1M$2.2M

First US Bancshares: income statement and cash flow

First US Bancshares, Q3 2026: revenue $10.8M (+3% year over year), operating margin 23.3%. The chart follows the revenue to costs, profit and cash.

First US 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.