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Wilson Bank Holding cash flow, quarter by quarter

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

Free cash flow$35.5M in Q3 2026 · $94.2M over twelve months

Operating cash flow$37.5M
Capital spending−$2.0M
Free cash flow+$35.5M
Cash / net income1.7×

Analysis

In Q3 2026, Wilson Bank Holding generated $37.5M of operating cash flow and spent $2.0M on capital projects, leaving free cash flow of $35.5M. That is $8.1M more than in Q3 2025 ($27.4M).

Over the twelve months to Sep 30, 2026, operating cash flow was $99.6M; the largest uses were other investing ($371M), dividends ($11.6M), capital spending ($5.3M); besides operations, cash came from other financing ($228M), shares issued ($666K); the cash balance fell by $59.8M.

Operating cash flow was $37.5M against net income of $22.3M — 1.7× profit, cash ran ahead of reported earnings. The largest differences: other liabilities +$8.5M, prepaid and other assets +$2.6M, deferred taxes −$1.7M.

Free cash flow

Wilson Bank Holding: free cash flow by quarterWilson Bank Holding: free cash flow by quarter$7.2MQ4 2024$21.6MQ1 2025$18.8MQ2 2025$27.4MQ3 2025$18.4MQ4 2025$24.4MQ1 2026$16.0MQ2 2026$35.5MQ3 2026
Operating cash flow less capital spending.
Wilson Bank Holding: operating cash flow against capital spendingWilson Bank Holding: operating cash flow against capital spendingOperating cash flowCapital spending$8.0M$875KQ4 2024$22.5M$866KQ1 2025$19.9M$1.1MQ2 2025$28.1M$716KQ3 2025$19.4M$1.0MQ4 2025$25.6M$1.3MQ1 2026$17.0M$1.0MQ2 2026$37.5M$2.0MQ3 2026
Latest (Q3 2026): Operating cash flow $37.5M, Capital spending $2.0M.

Capital allocation, year by year

Wilson Bank Holding: where the cash came from (up) and went (down), by fiscal yearWilson Bank Holding: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $61.4MFY2021: Shares issued $862KFY2021: Capital spending −$8.9MFY2021: Dividends −$14.9M$62.3MFY2021FY2022: Operating cash flow $73.2MFY2022: Net borrowing −$26KFY2022: Shares issued $635KFY2022: Asset sales $1.8MFY2022: Capital spending −$5.0MFY2022: Dividends −$20.9M$75.6MFY2022FY2023: Operating cash flow $86.1MFY2023: Net borrowing −$30KFY2023: Shares issued $1.0MFY2023: Capital spending −$4.6MFY2023: Dividends −$4.3M$87.1MFY2023FY2024: Operating cash flow $62.0MFY2024: Net borrowing −$34KFY2024: Shares issued $575KFY2024: Capital spending −$3.5MFY2024: Buybacks −$2.2MFY2024: Dividends −$5.8M$62.6MFY2024FY2025: Operating cash flow $90.0MFY2025: Net borrowing −$81KFY2025: Shares issued $654KFY2025: Asset sales $36KFY2025: Capital spending −$3.7MFY2025: Dividends −$8.3M$90.6MFY2025
Over these 5 years operating cash flow totalled $373M; the largest uses were dividends ($54.3M) and capital spending ($25.8M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$319M
Debt$10.1M
Net cash$309M

Wilson Bank Holding funds itself: free cash flow was $94.2M over the last twelve months, and $319M of cash and investments stands against $10.1M of debt.

Where the cash came from and went

Wilson Bank Holding: sources (+) and uses (−) of cash, Q3 2026Wilson Bank Holding: sources (+) and uses (−) of cash, Q3 2026Other financing$140MOther investing−$95.2MCash drawn (+) / kept (−)−$74.0MOperating cash flow$37.5MDividends−$6.0MCapital spending−$2.0MAsset & business sales$209KBuybacks−$155KShares issued−$42KNet borrowing (+) / repaid (−)−$36K
Wilson Bank Holding: sources (+) and uses (−) of cash, TTM to Q3 2026Wilson Bank Holding: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$371MOther financing$228MOperating cash flow$99.6MCash drawn (+) / kept (−)$59.8MDividends−$11.6MCapital spending−$5.3MShares issued$666KBuybacks−$212KAsset & business sales$187KNet borrowing (+) / repaid (−)−$131K

From profit to cash

Wilson Bank Holding: net income to operating cash flow, Q3 2026Wilson Bank Holding: net income to operating cash flow, Q3 2026Net income$22.3MDepreciation & amortization$1.1MStock-based pay$434KDeferred taxes−$1.7MGains on disposals−$136KPrepaid and other assets$2.6MOther liabilities$8.5MOperating cash flow$37.5M
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$37.5M−$2.0M−$155K−$6.0M−$36K−$42K−$74.0M$35.5M
Q2 2026$17.0M−$1.0M−$29K—−$37K$17K$112M$16.0M
Q1 2026$25.6M−$1.3M−$28K−$5.6M−$36K$101K$9.7M$24.4M
Q4 2025$19.4M−$1.0M——−$22K$590K$11.6M$18.4M
Q3 2025$28.1M−$716K—−$4.9M−$20K−$18K−$134M$27.4M
Q2 2025$19.9M−$1.1M——−$18K$29K$77.3M$18.8M
Q1 2025$22.5M−$866K—−$3.4M−$21K$53K−$75.1M$21.6M
Q4 2024$8.0M−$875K—$1K−$8K$494K$4.2M$7.2M

Wilson Bank Holding: income statement and cash flow

Wilson Bank Holding, Q3 2026: revenue $97.3M (+9% year over year), operating margin 29.5%. The chart follows the revenue to costs, profit and cash.

Wilson Bank Holding: 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.