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First Financial cash flow, quarter by quarter

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

Free cash flow$34.9M in Q3 2026 · $102M over twelve months

Operating cash flow$36.0M
Capital spending−$1.1M
Free cash flow+$34.9M
Cash / net income1.3×

Analysis

In Q3 2026, First Financial generated $36.0M of operating cash flow and spent $1.1M on capital projects, leaving free cash flow of $34.9M. That is $9.2M more than in Q3 2025 ($25.8M).

Over the twelve months to Sep 30, 2026, operating cash flow was $106M; the largest uses were other investing ($85.9M), dividends ($26.0M), capital spending ($4.3M); besides operations, cash came from other financing ($15.1M); the cash balance rose by $5.1M.

Operating cash flow was $36.0M against net income of $27.4M — 1.3× profit, cash ran ahead of reported earnings. The largest differences: depreciation & amortization +$3.0M.

Free cash flow

First Financial: free cash flow by quarterFirst Financial: free cash flow by quarter$14.8MQ4 2024$20.5MQ1 2025$11.6MQ2 2025$25.8MQ3 2025$28.6MQ4 2025$21.9MQ1 2026$16.8MQ2 2026$34.9MQ3 2026
Operating cash flow less capital spending.
First Financial: operating cash flow against capital spendingFirst Financial: operating cash flow against capital spendingOperating cash flowCapital spending$15.9M$1.0MQ4 2024$21.1M$566KQ1 2025$12.7M$1.1MQ2 2025$26.9M$1.1MQ3 2025$29.8M$1.2MQ4 2025$22.6M$687KQ1 2026$18.1M$1.3MQ2 2026$36.0M$1.1MQ3 2026
Latest (Q3 2026): Operating cash flow $36.0M, Capital spending $1.1M.

Capital allocation, year by year

First Financial: where the cash came from (up) and went (down), by fiscal yearFirst Financial: where the cash came from (up) and went (down), by fiscal yearOperating cash flowCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $55.1MFY2021: Capital spending −$3.8MFY2021: Acquisitions −$23.1MFY2021: Buybacks −$42.5MFY2021: Dividends −$14.2M$55.1MFY2021FY2022: Operating cash flow $78.8MFY2022: Capital spending −$1.4MFY2022: Buybacks −$27.7MFY2022: Dividends −$14.5M$78.8MFY2022FY2023: Operating cash flow $86.1MFY2023: Capital spending −$6.5MFY2023: Buybacks −$11.5MFY2023: Dividends −$15.4M$86.1MFY2023FY2024: Operating cash flow $60.4MFY2024: Capital spending −$6.1MFY2024: Acquisitions $28.2MFY2024: Buybacks −$376KFY2024: Dividends −$21.2M$88.5MFY2024FY2025: Operating cash flow $90.4MFY2025: Capital spending −$4.0MFY2025: Buybacks −$795KFY2025: Dividends −$24.2M$90.4MFY2025
Over these 5 years operating cash flow totalled $371M; the largest uses were dividends ($89.4M) and buybacks ($82.9M). Cash-flow statements as filed.

Where the cash came from and went

First Financial: sources (+) and uses (−) of cash, Q3 2026First Financial: sources (+) and uses (−) of cash, Q3 2026Other financing−$104MOther investing$71.9MOperating cash flow$36.0MDividends−$6.7MCash drawn (+) / kept (−)$4.1MCapital spending−$1.1MAcquisitions−$577K
First Financial: sources (+) and uses (−) of cash, TTM to Q3 2026First Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Operating cash flow$106MOther investing−$85.9MDividends−$26.0MOther financing$15.1MCash drawn (+) / kept (−)−$5.1MCapital spending−$4.3MBuybacks−$332K

From profit to cash

First Financial: net income to operating cash flow, Q3 2026First Financial: net income to operating cash flow, Q3 2026Net income$27.4MDepreciation & amortization$3.0MOperating cash flow$36.0M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingAcquisitionsBuybacksDividendsCash drawn (+) / kept (−)Free cash flow
Q3 2026$36.0M−$1.1M−$577K—−$6.7M$4.1M$34.9M
Q2 2026$18.1M−$1.3M−$434K—−$6.7M$254K$16.8M
Q1 2026$22.6M−$687K−$11.8M−$332K−$6.7M$33.5M$21.9M
Q4 2025$29.8M−$1.2M——−$6.0M−$42.9M$28.6M
Q3 2025$26.9M−$1.1M——−$6.0M$9.8M$25.8M
Q2 2025$12.7M−$1.1M——−$6.0M−$11.1M$11.6M
Q1 2025$21.1M−$566K—−$795K−$6.0M$7.3M$20.5M
Q4 2024$15.9M−$1.0M——−$5.3M−$16.2M$14.8M

First Financial: income statement and cash flow

First Financial, Q3 2026: revenue $75.0M (+14% year over year), operating margin 45.9%. The chart follows the revenue to costs, profit and cash.

First Financial: 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.