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Westamerica Bancorporation cash flow, quarter by quarter

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

Free cash flow$33.0M in Q3 2026 · $113M over twelve months

Operating cash flow$33.7M
Capital spending−$660K
Free cash flow+$33.0M
Cash / net income1.2×

Analysis

In Q3 2026, Westamerica Bancorporation generated $33.7M of operating cash flow and spent $660K on capital projects, leaving free cash flow of $33.0M. That is $4.3M more than in Q3 2025 ($28.7M).

Over the twelve months to Sep 30, 2026, operating cash flow was $116M; the largest uses were other investing ($327M), buybacks ($119M), dividends ($45.1M); besides operations, cash came from other financing ($22.2M), shares issued ($13.7M); the cash balance fell by $337M.

Operating cash flow was $33.7M against net income of $28.2M — 1.2× profit, cash ran ahead of reported earnings. The largest differences: other liabilities +$2.1M, prepaid and other assets −$1.3M, depreciation & amortization +$200K.

Free cash flow

Westamerica Bancorporation: free cash flow by quarterWestamerica Bancorporation: free cash flow by quarter$29.1MQ4 2024$42.2MQ1 2025$22.8MQ2 2025$28.7MQ3 2025$25.9MQ4 2025$38.7MQ1 2026$15.2MQ2 2026$33.0MQ3 2026
Operating cash flow less capital spending.
Westamerica Bancorporation: operating cash flow against capital spendingWestamerica Bancorporation: operating cash flow against capital spendingOperating cash flowCapital spending$29.8M$667KQ4 2024$42.4M$199KQ1 2025$23.5M$735KQ2 2025$29.4M$686KQ3 2025$26.6M$626KQ4 2025$39.7M$1.0MQ1 2026$15.5M$305KQ2 2026$33.7M$660KQ3 2026
Latest (Q3 2026): Operating cash flow $33.7M, Capital spending $660K.

Capital allocation, year by year

Westamerica Bancorporation: where the cash came from (up) and went (down), by fiscal yearWestamerica Bancorporation: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingBuybacksDividendsFY2021: Operating cash flow $88.7MFY2021: Net borrowing $43.7MFY2021: Shares issued $3.0MFY2021: Capital spending −$1.3MFY2021: Buybacks −$232KFY2021: Dividends −$44.3M$135MFY2021FY2022: Operating cash flow $114MFY2022: Net borrowing −$88.5MFY2022: Shares issued $2.3MFY2022: Capital spending −$811KFY2022: Buybacks −$218KFY2022: Dividends −$45.2M$116MFY2022FY2023: Operating cash flow $158MFY2023: Net borrowing $370KFY2023: Shares issued $950KFY2023: Capital spending −$1.2MFY2023: Buybacks −$13.7MFY2023: Dividends −$46.0M$160MFY2023FY2024: Operating cash flow $142MFY2024: Net borrowing $62.2MFY2024: Shares issued $1.5MFY2024: Capital spending −$1.7MFY2024: Buybacks −$210KFY2024: Dividends −$47.0M$205MFY2024FY2025: Operating cash flow $122MFY2025: Net borrowing $17.0MFY2025: Shares issued $376KFY2025: Capital spending −$2.2MFY2025: Buybacks −$104MFY2025: Dividends −$46.9M$139MFY2025
Over these 5 years operating cash flow totalled $624M; the largest uses were dividends ($229M) and buybacks ($118M). Cash-flow statements as filed.

Where the cash came from and went

Westamerica Bancorporation: sources (+) and uses (−) of cash, Q3 2026Westamerica Bancorporation: sources (+) and uses (−) of cash, Q3 2026Other investing−$56.6MOther financing$43.6MOperating cash flow$33.7MCash drawn (+) / kept (−)−$20.6MDividends−$11.1MShares issued$7.4MNet borrowing (+) / repaid (−)$7.2MBuybacks−$2.9MCapital spending−$660K
Westamerica Bancorporation: sources (+) and uses (−) of cash, TTM to Q3 2026Westamerica Bancorporation: sources (+) and uses (−) of cash, TTM to Q3 2026Cash drawn (+) / kept (−)$337MOther investing−$327MBuybacks−$119MOperating cash flow$116MDividends−$45.1MOther financing$22.2MShares issued$13.7MNet borrowing (+) / repaid (−)$5.4MCapital spending−$2.6M

From profit to cash

Westamerica Bancorporation: net income to operating cash flow, Q3 2026Westamerica Bancorporation: net income to operating cash flow, Q3 2026Net income$28.2MDepreciation & amortization$200KPrepaid and other assets−$1.3MOther liabilities$2.1MOperating cash flow$33.7M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$33.7M−$660K−$2.9M−$11.1M$7.2M$7.4M−$20.6M$33.0M
Q2 2026$15.5M−$305K−$41.5M−$11.3M−$12.6M—$95.3M$15.2M
Q1 2026$39.7M−$1.0M−$51.0M−$11.3M$7.2M—$171M$38.7M
Q4 2025$26.6M−$626K−$23.3M−$11.5M$3.6M—$91.5M$25.9M
Q3 2025$29.4M−$686K−$23.9M−$11.7M$32.4M$376K−$32.8M$28.7M
Q2 2025$23.5M−$735K−$38.3M−$12.0M−$12.0M—$101M$22.8M
Q1 2025$42.4M−$199K−$18.2M−$11.8M−$7.1M—−$126M$42.2M
Q4 2024$29.8M−$667K—−$11.7M−$12.2M$1.2M−$98.5M$29.1M

Westamerica Bancorporation: income statement and cash flow

Westamerica Bancorporation, Q3 2026: revenue $64.1M (+0.5% year over year), operating margin 59.1%. The chart follows the revenue to costs, profit and cash.

Westamerica Bancorporation: 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.