Capital Bancorp, Inc. (CBNK)

Capital Bancorp Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	49.67	30.97	35.87	41.8	39.98	25.82
Depreciation & Amortization	5.92	2.21	0.47	1.43	1.21	1.89
Provision for Credit Losses	19.18	18.04	9.32	6.59	3.32	12.38
Stock-Based Compensation	3.7	2.93	2.45	2.42	3.21	1.25
Net Change in Loans Held-for-Sale	6.43	-11.46	-0.07	8.57	91.17	-36.12
Other Adjustments	-7.27	-9.36	-0.85	0.77	-1.95	-2.78
Changes in Accrued Interest and Accounts Receivable	-2.14	-0.76	-2.01	-1.59	0.23	-3.36
Changes in Accounts Payable	-1.74	2.53	4.55	0.56	-0.66	-0.67
Changes in Other Operating Activities	6.5	-0.18	-2.33	-9.16	-4.43	7.05
Operating Cash Flow	77.17	34.93	47.42	51.39	132.08	5.46
Operating Cash Flow Growth	407.21%	-26.34%	-7.73%	-61.09%	2320.30%	-
Net Change in Loans Held-for-Investment	-311.96	-320.65	-180.72	-103.92	-117.36	-348.34
Net Change in Securities and Investments	-23.17	-12.31	52.04	-93.1	-89.04	-36.91
Capital Expenditures	-3.97	-2.16	-2.16	-1.55	-0.02	-0.27
Sale of Property, Plant & Equipment	-	-	-	0.11	3.19	-
Other Investing Activities	-	65.17	-	-	-35	-
Investing Cash Flow	-272.51	-269.95	-130.84	-198.46	-238.23	-385.51
Net Change in Deposits	266.88	406.99	137.92	-39.07	145.01	426.71
Issuance of Common Stock	0.77	1.08	1.79	1.24	0.97	0.92
Repurchase of Common Stock	-3.18	-1.4	-8.83	-	-	-
Net Common Stock Issued (Repurchased)	-2.41	-0.32	-7.04	1.24	0.97	0.92
Common Dividends Paid	-6.97	-5.28	-3.92	-3.09	-1.38	-3.72
Other Financing Activities	-30	-15	-70	85	-1.95	-11.77
Financing Cash Flow	227.5	386.39	56.97	44.09	142.64	412.14
Net Cash Flow	32.16	151.37	-26.45	-102.98	36.49	32.09
Free Cash Flow	73.2	32.77	45.26	49.84	132.05	5.19
Free Cash Flow Growth	123.38%	-27.60%	-9.19%	-62.26%	2444.36%	-
FCF Margin	38.97%	23.97%	34.24%	37.19%	116.48%	7.24%
Free Cash Flow Per Share	4.35	2.24	3.21	3.47	9.38	0.38
Levered Free Cash Flow	12.12	138.36	130.74	123.72	109.69	76.34
Unlevered Free Cash Flow	4.58	1.65	-1.47	-10.3	-3.68	4.65

Updated Jan 26, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q