Commercial Bancgroup, Inc. (CBK)

Commercial Bancgroup Cash Flow Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023
Net Income	38.04	37.2	31.69	31.21
Depreciation & Amortization	2.15	2.14	2.3	2.12
Provision for Credit Losses	0.59	0.46	1.83	3.27
Stock-Based Compensation	0.16	0.12	2.14	0.46
Other Adjustments	-0.93	-1.71	-3.21	-0.88
Changes in Accrued Interest and Accounts Receivable	-0.49	-0.26	1.05	-2
Changes in Accrued Expenses	-2.51	-1.26	1.17	2.88
Changes in Other Operating Activities	1.57	0.49	-0.59	1.82
Operating Cash Flow	38.39	37.09	38.68	38.89
Operating Cash Flow Growth	-1.96%	-4.09%	-0.54%	-
Net Change in Loans Held-for-Investment	-98.43	-67.6	-121.08	-154.55
Net Change in Securities and Investments	27.67	37.82	34.04	18.71
Payments for Business Acquisitions	-	-	-	7.97
Capital Expenditures	-1.77	-1.87	-3.04	-3.17
Sale of Property, Plant & Equipment	0.28	0.29	3.47	0.09
Other Investing Activities	5.08	-1.31	1.68	2.99
Investing Cash Flow	-47.54	-32.66	-84.93	-127.96
Net Change in Deposits	-9.99	-122.86	118.71	176.13
Short-Term Debt Issued	139.26	184.96	69.36	78.98
Short-Term Debt Repaid	-	-100.1	-72.02	-80.67
Net Short-Term Debt Issued (Repaid)	139.26	84.86	-2.65	-1.69
Long-Term Debt Issued	-	8.33	2.15	27.13
Long-Term Debt Repaid	-38.94	-35.52	-40.18	-18.76
Net Long-Term Debt Issued (Repaid)	-38.94	-27.19	-38.03	8.37
Issuance of Common Stock	-	29.86	-	3.89
Repurchase of Common Stock	-	-0.98	-1.83	-2.11
Net Common Stock Issued (Repurchased)	-	28.88	-1.83	1.78
Common Dividends Paid	-1.37	-2	-2	-1.5
Other Financing Activities	-	-	-5.68	-
Financing Cash Flow	27.06	-38.31	68.51	183.1
Net Cash Flow	17.9	-33.88	22.26	94.03
Free Cash Flow	36.62	35.23	35.63	35.72
Free Cash Flow Growth	3.94%	-1.14%	-0.24%	-
Free Cash Flow Per Share	2.82	2.79	2.88	2.92

Updated May 13, 2026. Data Source: Fiscal.ai. financials template. Financial Sources.

SEC Filings: 10-K · 10-Q