Commercial Bancgroup Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023
Net Income	32.67	31.41	30.69
Depreciation & Amortization	2.2	2.3	2.12
Gain (Loss) on Sale of Assets	-0.48	-0.87	-0.11
Gain (Loss) on Sale of Investments	0.63	2.29	1.42
Provision for Credit Losses	0.01	1.83	3.27
Accrued Interest Receivable	0.88	1.05	-2
Change in Other Net Operating Assets	2.67	-1.79	0.16
Other Operating Activities	-1.14	-0.86	-0.19
Operating Cash Flow	38.21	38.68	38.89
Operating Cash Flow Growth	-1.75%	-0.54%	-
Capital Expenditures	-2.02	-3.04	-3.17
Sale of Property, Plant and Equipment	2.96	3.47	0.09
Cash Acquisitions	-	-	7.97
Investment in Securities	21.55	34.04	18.71
Net Decrease (Increase) in Loans Originated / Sold - Investing	-21.27	-121.08	-154.55
Other Investing Activities	2.17	1.68	2.99
Investing Cash Flow	3.39	-84.93	-127.96
Short-Term Debt Issued	-	69.36	78.98
Long-Term Debt Issued	-	2.15	27.13
Total Debt Issued	130.78	71.51	106.11
Short-Term Debt Repaid	-	-72.02	-80.67
Long-Term Debt Repaid	-	-40.18	-18.76
Total Debt Repaid	-80.73	-112.2	-99.43
Net Debt Issued (Repaid)	50.05	-40.69	6.68
Issuance of Common Stock	-	-	3.89
Repurchase of Common Stock	-2.77	-1.83	-2.11
Common Dividends Paid	-2	-2	-1.5
Net Increase (Decrease) in Deposit Accounts	-112.42	118.71	176.13
Other Financing Activities	-	-5.68	-
Financing Cash Flow	-67.13	68.51	183.1
Net Cash Flow	-25.53	22.26	94.03
Free Cash Flow	36.19	35.63	35.72
Free Cash Flow Growth	1.31%	-0.24%	-
Free Cash Flow Margin	40.35%	41.13%	45.54%
Free Cash Flow Per Share	2.96	2.88	2.92
Cash Interest Paid	44.45	44.46	27.64
Cash Income Tax Paid	8.54	9.75	6.8

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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