Redwood Capital Bancorp (RWCB)

Redwood 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	5.27	7.04	6.02	5.59
Depreciation & Amortization	0.5	0.54	0.63	0.98
Other Amortization	0.07	-0.09	-	-
Gain (Loss) on Sale of Assets	-	0.37	-0.02	-
Provision for Credit Losses	0.23	0.06	0.24	0.14
Accrued Interest Receivable	0.1	-0.72	0.04	0.16
Change in Other Net Operating Assets	0.12	0.09	-0.05	4.96
Other Operating Activities	-0.39	-0.35	-0.55	-0.66
Operating Cash Flow	6.69	7.63	7.49	11.96
Operating Cash Flow Growth	-12.25%	1.86%	-37.38%	687.33%
Capital Expenditures	-0.19	-3.3	-0.21	-0.64
Sale of Property, Plant and Equipment	-	0.65	0.06	-
Investment in Securities	0.11	1.55	-16.78	-15.39
Net Decrease (Increase) in Loans Originated / Sold - Investing	5.72	-8.76	-47.27	7.74
Other Investing Activities	-0.41	-0.55	-0.16	-3.45
Investing Cash Flow	5.23	-10.4	-64.36	-11.74
Long-Term Debt Issued	-	-	-	2
Long-Term Debt Repaid	-6	-	-	-
Net Debt Issued (Repaid)	-6	-	-	2
Repurchase of Common Stock	-0.19	-1.16	-0.14	-0.19
Common Dividends Paid	-0.62	-0.62	-0.57	-0.55
Total Dividends Paid	-0.62	-0.62	-0.57	-0.55
Net Increase (Decrease) in Deposit Accounts	11.27	-11	-70.12	93.3
Financing Cash Flow	4.46	-12.78	-70.83	94.56
Net Cash Flow	16.38	-15.55	-127.7	94.79
Free Cash Flow	6.5	4.33	7.28	11.32
Free Cash Flow Growth	50.13%	-40.48%	-35.71%	719.06%
Free Cash Flow Margin	30.13%	18.30%	34.55%	57.52%
Free Cash Flow Per Share	3.26	2.20	3.66	5.72
Cash Interest Paid	4.86	2	1.02	1.29
Cash Income Tax Paid	2.12	3.36	2	2.92

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.