Capital Bancorp, Inc. (FRA:316)

Capital Bancorp Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	30.97	35.87	41.8	39.98
Depreciation & Amortization	2.21	0.47	1.43	1.21
Gain (Loss) on Sale of Assets	-	-	-0.01	0.05
Gain (Loss) on Sale of Investments	0.1	0.2	0.55	0.44
Provision for Credit Losses	18.04	9.32	6.59	3.32
Net Decrease (Increase) in Loans Originated / Sold - Operating	-12.48	-0.07	8.57	90.92
Accrued Interest Receivable	-0.76	-2.01	-1.59	0.23
Change in Income Taxes	3.36	0.18	-0.28	-
Change in Other Net Operating Assets	-3.54	-2.51	-8.87	-4.43
Other Operating Activities	-8.46	-1.05	0.22	-2.43
Operating Cash Flow	34.93	47.42	51.39	132.08
Operating Cash Flow Growth	-26.34%	-7.73%	-61.09%	2320.30%
Capital Expenditures	-2.16	-2.16	-1.55	-0.02
Cash Acquisitions	65.17	-	-	-
Investment in Securities	-12.19	49.03	-89.23	-89.26
Net Decrease (Increase) in Loans Originated / Sold - Investing	-320.65	-180.72	-103.92	-117.36
Other Investing Activities	-0.13	3.01	-3.76	-31.59
Investing Cash Flow	-269.95	-130.84	-198.46	-238.23
Long-Term Debt Issued	-	15	85	-
Total Debt Issued	-	15	85	-
Long-Term Debt Repaid	-15	-85	-	-1.95
Total Debt Repaid	-15	-85	-	-1.95
Net Debt Issued (Repaid)	-15	-70	85	-1.95
Issuance of Common Stock	1.08	1.79	1.24	0.97
Repurchase of Common Stock	-1.4	-8.83	-	-
Common Dividends Paid	-5.28	-3.92	-3.09	-1.38
Net Increase (Decrease) in Deposit Accounts	406.99	137.92	-39.07	145.01
Financing Cash Flow	386.39	56.97	44.09	142.64
Net Cash Flow	151.37	-26.45	-102.98	36.49
Free Cash Flow	32.77	45.26	49.84	132.05
Free Cash Flow Growth	-27.60%	-9.19%	-62.26%	2444.36%
Free Cash Flow Margin	19.20%	28.83%	30.51%	80.53%
Free Cash Flow Per Share	2.24	3.21	3.47	9.38
Cash Interest Paid	54.75	37.13	9.48	7.21
Cash Income Tax Paid	9.1	7.7	11.73	15.92

Source: S&P Global Market Intelligence. Banks template. Financial Sources.