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Bancorp cash flow, quarter by quarter

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

Free cash flow$24.4M in Q3 2026 · $207M over twelve months

Operating cash flow$24.8M
Capital spending−$401K
Free cash flow+$24.4M
Cash / net income0.4×

Analysis

In Q3 2026, Bancorp generated $24.8M of operating cash flow and spent $401K on capital projects, leaving free cash flow of $24.4M. That is $26.2M less than in Q3 2025 ($50.5M).

Over the twelve months to Sep 30, 2026, operating cash flow was $214M; the largest uses were other investing ($818M), buybacks ($303M), capital spending ($6.5M); besides operations, cash came from net borrowing (+) / repaid (−) ($910M), other financing ($6.7M); the cash balance rose by $3.7M.

Operating cash flow was $24.8M against net income of $62.8M — 0.4× profit, less cash than reported earnings, worth checking against working capital. The largest differences: prepaid and other assets −$51.6M, other liabilities +$11.2M, stock-based pay +$4.4M.

Free cash flow

Bancorp: free cash flow by quarterBancorp: free cash flow by quarter$83.7MQ4 2024$93.8MQ1 2025$50.0MQ2 2025$50.5MQ3 2025$63.6MQ4 2025$84.8MQ1 2026$34.4MQ2 2026$24.4MQ3 2026
Operating cash flow less capital spending.
Bancorp: operating cash flow against capital spendingBancorp: operating cash flow against capital spendingOperating cash flowCapital spending$84.3M$607KQ4 2024$94.5M$765KQ1 2025$50.5M$507KQ2 2025$51.2M$634KQ3 2025$68.8M$5.2MQ4 2025$85.2M$468KQ1 2026$34.9M$466KQ2 2026$24.8M$401KQ3 2026
Latest (Q3 2026): Operating cash flow $24.8M, Capital spending $401K.

Capital allocation, year by year

Bancorp: where the cash came from (up) and went (down), by fiscal yearBancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingBuybacksFY2021: Operating cash flow $83.9MFY2021: Shares issued $6.9MFY2021: Capital spending −$1.5MFY2021: Buybacks −$40.0M$90.7MFY2021FY2022: Operating cash flow $120MFY2022: Shares issued $640KFY2022: Capital spending −$5.1MFY2022: Buybacks −$60.0M$120MFY2022FY2023: Operating cash flow $187MFY2023: Net borrowing −$3.3MFY2023: Shares issued $104KFY2023: Capital spending −$12.7MFY2023: Buybacks −$100M$187MFY2023FY2024: Operating cash flow $228MFY2024: Asset sales $133KFY2024: Capital spending −$5.0MFY2024: Buybacks −$252M$228MFY2024FY2025: Operating cash flow $265MFY2025: Net borrowing $299MFY2025: Shares issued $2.1MFY2025: Asset sales $174KFY2025: Capital spending −$7.1MFY2025: Buybacks −$378M$566MFY2025
Over these 5 years operating cash flow totalled $883M; the largest uses were buybacks ($831M) and capital spending ($31.4M). Cash-flow statements as filed.

Where the cash came from and went

Bancorp: sources (+) and uses (−) of cash, Q3 2026Bancorp: sources (+) and uses (−) of cash, Q3 2026Net borrowing (+) / repaid (−)$366MOther investing−$193MOther financing−$139MBuybacks−$50.5MOperating cash flow$24.8MCash drawn (+) / kept (−)−$8.3MCapital spending−$401KAsset & business sales$152K
Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Net borrowing (+) / repaid (−)$910MOther investing−$818MBuybacks−$303MOperating cash flow$214MOther financing$6.7MCapital spending−$6.5MCash drawn (+) / kept (−)−$3.7MAsset & business sales$201K

From profit to cash

Bancorp: net income to operating cash flow, Q3 2026Bancorp: net income to operating cash flow, Q3 2026Net income$62.8MStock-based pay$4.4MGains on disposals−$37KPrepaid and other assets−$51.6MOther liabilities$11.2MOperating cash flow$24.8M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$24.8M−$401K−$50.5M$366M−$8.3M$24.4M
Q2 2026$34.9M−$466K−$50.5M$274M−$12.9M$34.4M
Q1 2026$85.2M−$468K−$50.3M$271M$45.5M$84.8M
Q4 2025$68.8M−$5.2M−$151M−$1.0M−$28.0M$63.6M
Q3 2025$51.2M−$634K−$151M$200M$256M$50.5M
Q2 2025$50.5M−$507K−$37.9M—$681M$50.0M
Q1 2025$94.5M−$765K−$37.7M—−$451M$93.8M
Q4 2024$84.3M−$607K−$50.5M—−$514M$83.7M

Bancorp: income statement and cash flow

Bancorp, Q3 2026: revenue $176M (+0.7% year over year), operating margin 40.8%. The chart follows the revenue to costs, profit and cash.

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.