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Washington Trust Bancorp cash flow, quarter by quarter

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

Free cash flow$20.4M in Q3 2026 · $77.0M over twelve months

Operating cash flow$23.0M
Capital spending−$2.7M
Free cash flow+$20.4M
Cash / net income1.2×

Analysis

In Q3 2026, Washington Trust Bancorp generated $23.0M of operating cash flow and spent $2.7M on capital projects, leaving free cash flow of $20.4M. That is $18.9M less than in Q3 2025 ($39.3M).

Over the twelve months to Sep 30, 2026, operating cash flow was $83.2M; the largest uses were other financing ($202M), dividends ($43.0M), capital spending ($6.2M); besides operations, cash came from other investing ($71.9M); the cash balance fell by $96.8M.

Operating cash flow was $23.0M against net income of $19.4M — 1.2× profit, cash ran ahead of reported earnings. The largest differences: stock-based pay +$851K, depreciation & amortization +$818K, other liabilities +$808K.

Free cash flow

Washington Trust Bancorp: free cash flow by quarterWashington Trust Bancorp: free cash flow by quarter$18.3MQ4 2024$8.4MQ1 2025$10.9MQ2 2025$39.3MQ3 2025$19.7MQ4 2025$14.8MQ1 2026$22.0MQ2 2026$20.4MQ3 2026
Operating cash flow less capital spending.
Washington Trust Bancorp: operating cash flow against capital spendingWashington Trust Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending$18.8M$482KQ4 2024$8.4M$88KQ1 2025$11.3M$401KQ2 2025$39.6M$344KQ3 2025$20.9M$1.2MQ4 2025$16.1M$1.3MQ1 2026$23.1M$1.1MQ2 2026$23.0M$2.7MQ3 2026
Latest (Q3 2026): Operating cash flow $23.0M, Capital spending $2.7M.

Capital allocation, year by year

Washington Trust Bancorp: where the cash came from (up) and went (down), by fiscal yearWashington Trust Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowShares issuedAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $101MFY2021: Shares issued −$177KFY2021: Asset sales $50KFY2021: Capital spending −$3.5MFY2021: Dividends −$36.3M$101MFY2021FY2022: Operating cash flow $113MFY2022: Capital spending −$6.1MFY2022: Buybacks −$9.5MFY2022: Dividends −$37.6M$113MFY2022FY2023: Operating cash flow $31.6MFY2023: Capital spending −$5.0MFY2023: Buybacks −$8.8MFY2023: Dividends −$38.6M$31.6MFY2023FY2024: Operating cash flow $57.7MFY2024: Shares issued $70.5MFY2024: Asset sales $1.7MFY2024: Capital spending −$4.0MFY2024: Dividends −$38.4M$130MFY2024FY2025: Operating cash flow $80.3MFY2025: Asset sales $11.8MFY2025: Capital spending −$2.0MFY2025: Buybacks −$7.4MFY2025: Dividends −$43.3M$92.1MFY2025
Over these 5 years operating cash flow totalled $383M; the largest uses were dividends ($194M) and buybacks ($25.7M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$95.5M
Debtnone
Net cash$95.5M

Washington Trust Bancorp funds itself: free cash flow was $77.0M over the last twelve months, with $95.5M of cash and investments and no debt on the balance sheet.

Where the cash came from and went

Washington Trust Bancorp: sources (+) and uses (−) of cash, Q3 2026Washington Trust Bancorp: sources (+) and uses (−) of cash, Q3 2026Other investing−$39.0MCash drawn (+) / kept (−)$31.9MOperating cash flow$23.0MDividends−$10.7MOther financing−$2.9MCapital spending−$2.7MShares issued$306K
Washington Trust Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Washington Trust Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Other financing−$202MCash drawn (+) / kept (−)$96.8MOperating cash flow$83.2MOther investing$71.9MDividends−$43.0MCapital spending−$6.2MBuybacks−$629K

From profit to cash

Washington Trust Bancorp: net income to operating cash flow, Q3 2026Washington Trust Bancorp: net income to operating cash flow, Q3 2026Net income$19.4MDepreciation & amortization$818KStock-based pay$851KPrepaid and other assets−$548KOther liabilities$808KOperating cash flow$23.0M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsShares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$23.0M−$2.7M—−$10.7M$306K$31.9M$20.4M
Q2 2026$23.1M−$1.1M—−$10.9M−$314K−$27.2M$22.0M
Q1 2026$16.1M−$1.3M—−$10.7M−$103K$3.5M$14.8M
Q4 2025$20.9M−$1.2M−$629K−$10.7M—$88.6M$19.7M
Q3 2025$39.6M−$344K−$6.4M−$10.8M−$41K−$24.6M$39.3M
Q2 2025$11.3M−$401K—−$11.0M−$255K−$47.5M$10.9M
Q1 2025$8.4M−$88K—−$10.8M−$39K−$6.3M$8.4M
Q4 2024$18.8M−$482K—−$9.6M—$96.9M$18.3M

Washington Trust Bancorp: income statement and cash flow

Washington Trust Bancorp, Q3 2026: revenue $65.0M (+15% year over year), operating margin 37.5%. The chart follows the revenue to costs, profit and cash.

Washington Trust 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.