ECB Bancorp, Inc. (ECBK)

ECB Bancorp Cash Flow Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	3.99	4.46	2.72	4.04
Depreciation & Amortization	0.3	0.28	0.3	0.3
Other Amortization	0.28	-0.03	-	-
Gain (Loss) on Sale of Investments	-0.06	0.03	0.18	0.34
Provision for Credit Losses	0.17	0.8	2.94	0.36
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.12	0.02	1.39	-0.41
Accrued Interest Receivable	-0.25	-1.13	-1.15	0.34
Change in Other Net Operating Assets	0.74	0.43	2.14	1.23
Other Operating Activities	-0.72	-0.59	-1.91	0.7
Operating Cash Flow	6.3	6.43	7.77	6.45
Operating Cash Flow Growth	-2.13%	-17.19%	20.48%	27.02%
Capital Expenditures	-0.06	-0.34	-0.22	-0.1
Investment in Securities	2.11	0.87	-12.5	-12.94
Net Decrease (Increase) in Loans Originated / Sold - Investing	-97.23	-155.48	-371.31	-50.51
Other Investing Activities	-0.11	-2.35	-5.31	-4.67
Investing Cash Flow	-95.29	-157.29	-389.34	-68.22
Short-Term Debt Issued	15	-	75	-
Long-Term Debt Issued	55	195	110	4
Total Debt Issued	70	195	185	4
Short-Term Debt Repaid	-	-55	-	-
Long-Term Debt Repaid	-70	-80	-20	-13
Total Debt Repaid	-70	-135	-20	-13
Net Debt Issued (Repaid)	-	60	165	-9
Issuance of Common Stock	-	-	79.25	-
Repurchase of Common Stock	-2.72	-2.23	-	-
Net Increase (Decrease) in Deposit Accounts	130.32	150.07	146.4	80.33
Other Financing Activities	-0.02	-	-	-
Financing Cash Flow	127.57	207.84	390.64	71.33
Net Cash Flow	38.58	56.99	9.08	9.56
Free Cash Flow	6.24	6.1	7.55	6.35
Free Cash Flow Growth	2.26%	-19.26%	19.05%	27.74%
Free Cash Flow Margin	23.95%	24.36%	34.18%	32.45%
Free Cash Flow Per Share	0.75	0.72	0.89	-
Cash Interest Paid	42.04	28.53	4.83	3.66
Cash Income Tax Paid	1.57	2.26	1.98	2.41

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

SEC Filings: 10-K · 10-Q