Commercial Bancgroup Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023
Net Income	37.2	31.41	30.69
Depreciation & Amortization	3.71	4.11	2.12
Gain (Loss) on Sale of Assets	-0.19	-0.87	-0.11
Gain (Loss) on Sale of Investments	-1.64	0.48	1.42
Provision for Credit Losses	0.46	1.83	3.27
Accrued Interest Receivable	-0.26	1.05	-2
Change in Other Net Operating Assets	-0.8	-1.79	0.16
Other Operating Activities	-0.23	-0.86	-0.19
Operating Cash Flow	37.09	38.68	38.89
Operating Cash Flow Growth	-4.09%	-0.54%	-
Capital Expenditures	-1.87	-3.04	-3.17
Sale of Property, Plant and Equipment	0.29	3.47	0.09
Cash Acquisitions	-	-	7.97
Investment in Securities	37.82	34.04	18.71
Net Decrease (Increase) in Loans Originated / Sold - Investing	-67.6	-121.08	-154.55
Other Investing Activities	-1.31	1.68	2.99
Investing Cash Flow	-32.66	-84.93	-127.96
Short-Term Debt Issued	184.95	69.36	78.98
Long-Term Debt Issued	8.33	2.15	27.13
Total Debt Issued	193.29	71.51	106.11
Short-Term Debt Repaid	-100.1	-72.02	-80.67
Long-Term Debt Repaid	-35.52	-40.18	-18.76
Total Debt Repaid	-135.61	-112.2	-99.43
Net Debt Issued (Repaid)	57.67	-40.69	6.68
Issuance of Common Stock	29.86	-	3.89
Repurchase of Common Stock	-0.98	-1.83	-2.11
Common Dividends Paid	-2	-2	-1.5
Net Increase (Decrease) in Deposit Accounts	-122.86	118.71	176.13
Other Financing Activities	-	-5.68	-
Financing Cash Flow	-38.31	68.51	183.1
Net Cash Flow	-33.88	22.26	94.03
Free Cash Flow	35.23	35.63	35.72
Free Cash Flow Growth	-1.14%	-0.24%	-
Free Cash Flow Margin	39.19%	41.13%	45.54%
Free Cash Flow Per Share	2.79	2.88	2.92
Cash Interest Paid	42.44	44.46	27.64
Cash Income Tax Paid	9.5	9.75	6.8

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

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