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Magnolia Bancorp cash flow, quarter by quarter

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

Free cash flow$23K in Q3 2026 · −$279K over twelve months

Operating cash flow$23K
Free cash flow+$23K

Analysis

In Q3 2026, Magnolia Bancorp generated $23K of operating cash flow. That is $20K more than in Q3 2025 ($3K).

Over the twelve months to Sep 30, 2026, operating cash flow was −$231K; the largest uses were operating cash flow ($231K), other financing ($58K), capital spending ($48K); besides operations, cash came from other investing ($5K); the cash balance fell by $332K.

Operating cash flow was $23K against net income of −$55K. The largest differences: receivables +$29K, accrued liabilities +$22K, stock-based pay +$12K.

Free cash flow

Magnolia Bancorp: free cash flow by quarterMagnolia Bancorp: free cash flow by quarter$144KQ4 2024−$32KQ1 2025−$25KQ2 2025$3KQ3 2025−$432KQ4 2025$162KQ1 2026−$31KQ2 2026$23KQ3 2026
Operating cash flow less capital spending.
Magnolia Bancorp: operating cash flow against capital spendingMagnolia Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending$144K$0Q4 2024−$32K$0Q1 2025−$25K$0Q2 2025$3K$0Q3 2025−$385K$47KQ4 2025$162K$0Q1 2026−$31K$0Q2 2026$23K$0Q3 2026
Latest (Q3 2026): Operating cash flow $23K, Capital spending $0.

Capital allocation, year by year

Magnolia Bancorp: where the cash came from (up) and went (down), by fiscal yearMagnolia Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingCapital spendingFY2023: Operating cash flow $12KFY2023: Net borrowing $500KFY2023: Capital spending −$65K$512KFY2023FY2024: Operating cash flow −$470KFY2024: Net borrowing −$500KFY2024FY2025: Operating cash flow −$439KFY2025: Capital spending −$47KFY2025
Over these 3 years operating cash flow totalled −$897K; the largest uses were operating cash flow ($909K) and net borrowing ($500K). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$0
Debtnone
Net cash$0

Magnolia Bancorp's operations consume cash (free cash flow −$279K a year), and no cash balance is on file to set against it.

Where the cash came from and went

Magnolia Bancorp: sources (+) and uses (−) of cash, Q3 2026Magnolia Bancorp: sources (+) and uses (−) of cash, Q3 2026Cash drawn (+) / kept (−)$1.3MOther investing−$1.2MOther financing−$112KOperating cash flow$23K
Magnolia Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Magnolia Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Cash drawn (+) / kept (−)$332KOperating cash flow−$231KOther financing−$58KCapital spending−$48KOther investing$5K

From profit to cash

Magnolia Bancorp: net income to operating cash flow, Q3 2026Magnolia Bancorp: net income to operating cash flow, Q3 2026Net income−$55KDepreciation & amortization$5KStock-based pay$12KReceivables$29KAccrued liabilities$22KOperating cash flow$23K
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$23K——$1.3M$23K
Q2 2026−$31K——$1.3M−$31K
Q1 2026$162K—−$17K−$625K$162K
Q4 2025−$385K−$47K—−$1.6M−$432K
Q3 2025$3K——$1.2M$3K
Q2 2025−$25K——$915K−$25K
Q1 2025−$32K——$4.9M−$32K
Q4 2024$144K——−$8.3M$144K

Magnolia Bancorp: income statement and cash flow

Magnolia Bancorp, Q3 2026: revenue $347K (+2% year over year), operating margin -15.9%. The chart follows the revenue to costs, profit and cash.

Magnolia 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.