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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	43.27	30.97	35.87	41.8	39.98	25.82
Depreciation & Amortization	3.02	2.21	0.47	1.43	1.21	1.89
Provision for Credit Losses	18.01	18.04	9.32	6.59	3.32	12.38
Stock-Based Compensation	0.71	2.93	2.45	2.42	3.21	1.25
Net Change in Loans Held-for-Sale	4.84	-11.46	-0.07	8.57	91.17	-36.12
Other Adjustments	-2.61	-9.36	-0.85	0.77	-1.95	-2.78
Changes in Accrued Interest and Accounts Receivable	1.42	-0.76	-2.01	-1.59	0.23	-3.36
Changes in Accrued Expenses	-10.05	5.89	4.73	0.28	-0.66	-0.67
Changes in Other Operating Activities	-10.5	-3.54	-2.51	-8.87	-4.43	7.05
Operating Cash Flow	43.81	34.93	47.42	51.39	132.08	5.46
Operating Cash Flow Growth	14.85%	-26.34%	-7.73%	-61.09%	2320.30%	-
Net Change in Loans Held-for-Investment	-315.61	-320.65	-180.72	-103.92	-117.36	-348.34
Net Change in Securities and Investments	-15.65	-12.31	52.04	-93.1	-89.04	-36.91
Proceeds from Business Divestments	-	65.17	-	-	-	-
Capital Expenditures	-2.08	-2.16	-2.16	-1.55	-0.02	-0.27
Sale of Property, Plant & Equipment	-	-	-	0.11	3.19	-
Other Investing Activities	-	-	-	-	-35	-
Investing Cash Flow	-268.17	-269.95	-130.84	-198.46	-238.23	-385.51
Net Change in Deposits	381.36	406.99	137.92	-39.07	145.01	426.71
Issuance of Common Stock	0.96	1.08	1.79	1.24	0.97	0.92
Repurchase of Common Stock	-	-1.4	-8.83	-	-	-
Net Common Stock Issued (Repurchased)	0.96	-0.32	-7.04	1.24	0.97	0.92
Common Dividends Paid	-6.37	-5.28	-3.92	-3.09	-1.38	-3.72
Other Financing Activities	-	-15	-70	85	-1.95	-11.77
Financing Cash Flow	362.46	386.39	56.97	44.09	142.64	412.14
Net Cash Flow	138.1	151.37	-26.45	-102.98	36.49	32.09
Beginning Cash & Cash Equivalents	136.51	53.96	80.42	183.4	146.91	114.82
Ending Cash & Cash Equivalents	274.61	205.33	53.96	80.42	183.4	146.91
Free Cash Flow	41.73	32.77	45.26	49.84	132.05	5.19
Free Cash Flow Growth	27.34%	-27.60%	-9.19%	-62.26%	2444.36%	-
FCF Margin	22.37%	18.90%	28.80%	30.50%	80.52%	4.26%
Free Cash Flow Per Share	2.59	2.24	3.21	3.47	9.38	0.38
Levered Free Cash Flow	25.08	32.62	34.4	31.5	36.3	30.47
Unlevered Free Cash Flow	-18.19	1.65	-1.47	-10.3	-3.68	4.65

Updated Jun 30, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q