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Trico Bancshares cash flow, quarter by quarter

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

Free cash flow$39.1M in Q3 2026 · $129M over twelve months

Operating cash flow$41.1M
Capital spending−$2.0M
Free cash flow+$39.1M
Cash / net income1.1×

Analysis

In Q3 2026, Trico Bancshares generated $41.1M of operating cash flow and spent $2.0M on capital projects, leaving free cash flow of $39.1M. That is $4.1M less than in Q3 2025 ($43.2M).

Over the twelve months to Sep 30, 2026, operating cash flow was $134M; the largest uses were other investing ($244M), dividends ($46.2M), buybacks ($33.9M); besides operations, cash came from other financing ($109M); the cash balance fell by $103M.

Operating cash flow was $41.1M against net income of $38.0M — 1.1× profit, roughly in line with earnings. The largest differences: other liabilities +$2.1M, depreciation & amortization +$1.7M, stock-based pay +$1.0M.

Free cash flow

Trico Bancshares: free cash flow by quarterTrico Bancshares: free cash flow by quarter$22.9MQ4 2024$22.8MQ1 2025$28.2MQ2 2025$43.2MQ3 2025$33.7MQ4 2025$33.0MQ1 2026$23.2MQ2 2026$39.1MQ3 2026
Operating cash flow less capital spending.
Trico Bancshares: operating cash flow against capital spendingTrico Bancshares: operating cash flow against capital spendingOperating cash flowCapital spending$24.2M$1.3MQ4 2024$24.5M$1.7MQ1 2025$29.2M$1.0MQ2 2025$45.1M$1.9MQ3 2025$34.5M$777KQ4 2025$33.7M$712KQ1 2026$25.1M$1.9MQ2 2026$41.1M$2.0MQ3 2026
Latest (Q3 2026): Operating cash flow $41.1M, Capital spending $2.0M.

Capital allocation, year by year

Trico Bancshares: where the cash came from (up) and went (down), by fiscal yearTrico Bancshares: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $132MFY2021: Net borrowing $23.2MFY2021: Shares issued $144KFY2021: Asset sales $2.7MFY2021: Capital spending −$3.2MFY2021: Buybacks −$4.3MFY2021: Dividends −$29.7M$158MFY2021FY2022: Operating cash flow $163MFY2022: Net borrowing $215MFY2022: Shares issued $1.2MFY2022: Asset sales $6.7MFY2022: Capital spending −$3.6MFY2022: Buybacks −$27.1MFY2022: Dividends −$35.8M$385MFY2022FY2023: Operating cash flow $139MFY2023: Net borrowing $368MFY2023: Shares issued $156KFY2023: Capital spending −$4.9MFY2023: Buybacks −$9.2MFY2023: Dividends −$39.9M$507MFY2023FY2024: Operating cash flow $110MFY2024: Net borrowing −$543MFY2024: Shares issued $174KFY2024: Capital spending −$4.6MFY2024: Buybacks −$15.5MFY2024: Dividends −$43.6M$110MFY2024FY2025: Operating cash flow $133MFY2025: Net borrowing −$77.9MFY2025: Capital spending −$5.4MFY2025: Buybacks −$32.0MFY2025: Dividends −$45.0M$133MFY2025
Over these 5 years operating cash flow totalled $677M; the largest uses were net borrowing ($621M) and dividends ($194M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$196M
Debtnone
Net cash$196M

Trico Bancshares funds itself: free cash flow was $129M over the last twelve months, with $196M of cash and investments and no debt on the balance sheet.

Where the cash came from and went

Trico Bancshares: sources (+) and uses (−) of cash, Q3 2026Trico Bancshares: sources (+) and uses (−) of cash, Q3 2026Cash drawn (+) / kept (−)−$90.5MOther financing$74.6MOperating cash flow$41.1MDividends−$11.5MNet borrowing (+) / repaid (−)−$10.5MCapital spending−$2.0MOther investing−$1.2M
Trico Bancshares: sources (+) and uses (−) of cash, TTM to Q3 2026Trico Bancshares: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$244MOperating cash flow$134MOther financing$109MCash drawn (+) / kept (−)$103MDividends−$46.2MBuybacks−$33.9MNet borrowing (+) / repaid (−)−$17.0MCapital spending−$5.4M

From profit to cash

Trico Bancshares: net income to operating cash flow, Q3 2026Trico Bancshares: net income to operating cash flow, Q3 2026Net income$38.0MDepreciation & amortization$1.7MStock-based pay$1.0MGains on disposals$66KOther liabilities$2.1MOperating cash flow$41.1M
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$41.1M−$2.0M—−$11.5M−$10.5M−$90.5M$39.1M
Q2 2026$25.1M−$1.9M−$1.8M−$11.5M−$936K$196M$23.2M
Q1 2026$33.7M−$712K−$22.4M−$11.5M−$258K−$144M$33.0M
Q4 2025$34.5M−$777K−$9.7M−$11.7M−$5.3M$142M$33.7M
Q3 2025$45.1M−$1.9M−$2.5M−$11.7M−$749K$15.4M$43.2M
Q2 2025$29.2M−$1.0M−$15.7M−$10.8M−$73.9M−$6.0M$28.2M
Q1 2025$24.5M−$1.7M−$4.1M−$10.9M$2.1M−$163M$22.8M
Q4 2024$24.2M−$1.3M−$1.9M−$10.9M−$177M$175M$22.9M

Trico Bancshares: income statement and cash flow

Trico Bancshares, Q3 2026: revenue $117M (+8% year over year), operating margin 44.6%. The chart follows the revenue to costs, profit and cash.

Trico 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.