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Western New England Bancorp cash flow, quarter by quarter

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

Free cash flow$7.1M in Q3 2026 · $19.0M over twelve months

Operating cash flow$7.5M
Capital spending−$364K
Free cash flow+$7.1M
Cash / net income1.2×

Analysis

In Q3 2026, Western New England Bancorp generated $7.5M of operating cash flow and spent $364K on capital projects, leaving free cash flow of $7.1M. That is $1.8M more than in Q3 2025 ($5.3M).

Over the twelve months to Sep 30, 2026, operating cash flow was $21.1M; the largest uses were other investing ($32.5M), buybacks ($9.5M), dividends ($5.6M); besides operations, cash came from other financing ($5.2M), net borrowing (+) / repaid (−) ($3.2M); the cash balance fell by $20.2M.

Operating cash flow was $7.5M against net income of $6.3M — 1.2× profit, cash ran ahead of reported earnings. The largest differences: other liabilities +$2.4M, gains on disposals −$712K, stock-based pay +$348K.

Free cash flow

Western New England Bancorp: free cash flow by quarterWestern New England Bancorp: free cash flow by quarter$5.2MQ4 2024−$1.1MQ1 2025$6.5MQ2 2025$5.3MQ3 2025$6.4MQ4 2025−$388KQ1 2026$5.9MQ2 2026$7.1MQ3 2026
Operating cash flow less capital spending.
Western New England Bancorp: operating cash flow against capital spendingWestern New England Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending$6.1M$815KQ4 2024−$829K$287KQ1 2025$6.8M$295KQ2 2025$5.5M$193KQ3 2025$6.7M$298KQ4 2025$346K$734KQ1 2026$6.6M$768KQ2 2026$7.5M$364KQ3 2026
Latest (Q3 2026): Operating cash flow $7.5M, Capital spending $364K.

Capital allocation, year by year

Western New England Bancorp: where the cash came from (up) and went (down), by fiscal yearWestern New England Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $28.8MFY2021: Net borrowing −$55.2MFY2021: Shares issued $193KFY2021: Asset sales $36KFY2021: Capital spending −$3.5MFY2021: Buybacks −$23.3MFY2021: Dividends −$4.7M$29.0MFY2021FY2022: Operating cash flow $36.8MFY2022: Net borrowing $39.9MFY2022: Shares issued $1.2MFY2022: Capital spending −$1.1MFY2022: Buybacks −$6.4MFY2022: Dividends −$5.3M$77.8MFY2022FY2023: Operating cash flow $14.8MFY2023: Net borrowing $94.2MFY2023: Asset sales $18KFY2023: Capital spending −$2.9MFY2023: Buybacks −$5.0MFY2023: Dividends −$6.1M$109MFY2023FY2024: Operating cash flow $12.2MFY2024: Net borrowing −$33.4MFY2024: Asset sales $74KFY2024: Capital spending −$1.2MFY2024: Buybacks −$7.6MFY2024: Dividends −$5.9M$12.2MFY2024FY2025: Operating cash flow $18.2MFY2025: Net borrowing −$17.1MFY2025: Capital spending −$1.1MFY2025: Buybacks −$6.1MFY2025: Dividends −$5.7M$18.2MFY2025
Over these 5 years operating cash flow totalled $111M; the largest uses were net borrowing ($106M) and buybacks ($48.4M). Cash-flow statements as filed.

Where the cash came from and went

Western New England Bancorp: sources (+) and uses (−) of cash, Q3 2026Western New England Bancorp: sources (+) and uses (−) of cash, Q3 2026Other financing$26.7MCash drawn (+) / kept (−)−$25.1MNet borrowing (+) / repaid (−)−$11.6MOperating cash flow$7.5MOther investing$4.9MBuybacks−$2.9MAsset & business sales$2.2MDividends−$1.4MCapital spending−$364K
Western New England Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Western New England Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$32.5MOperating cash flow$21.1MCash drawn (+) / kept (−)$20.2MBuybacks−$9.5MDividends−$5.6MOther financing$5.2MNet borrowing (+) / repaid (−)$3.2MCapital spending−$2.2M

From profit to cash

Western New England Bancorp: net income to operating cash flow, Q3 2026Western New England Bancorp: net income to operating cash flow, Q3 2026Net income$6.3MStock-based pay$348KGains on disposals−$712KPrepaid and other assets−$271KOther liabilities$2.4MOperating cash flow$7.5M
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$7.5M−$364K−$2.9M−$1.4M−$11.6M−$25.1M$7.1M
Q2 2026$6.6M−$768K−$2.7M−$1.4M−$6.1M$18.5M$5.9M
Q1 2026$346K−$734K−$2.8M−$1.4M$10.5M−$15.8M−$388K
Q4 2025$6.7M−$298K−$1.2M−$1.4M$10.3M$42.6M$6.4M
Q3 2025$5.5M−$193K−$24K−$1.4M−$1.1M$10.4M$5.3M
Q2 2025$6.8M−$295K−$2.8M−$1.4M−$480K$17.3M$6.5M
Q1 2025−$829K−$287K−$2.1M−$1.4M−$870K−$44.1M−$1.1M
Q4 2024$6.1M−$815K−$2.0M−$1.4M−$29.3M$6.4M$5.2M

Western New England Bancorp: income statement and cash flow

Western New England Bancorp, Q3 2026: revenue $23.9M (+12% year over year), operating margin 35.0%. The chart follows the revenue to costs, profit and cash.

Western New England 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.