ECB Bancorp Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	9.6	7.77	3.99	4.46	2.72	4.04
Depreciation & Amortization	0.29	0.3	0.3	0.28	0.3	0.3
Provision for Credit Losses	1.7	1.53	0.17	0.8	2.94	0.36
Stock-Based Compensation	1.93	1.81	1.8	0.74	0.56	-
Net Change in Loans Held-for-Sale	0.08	-0.36	0	0	1.3	-0.86
Other Adjustments	-0.38	-0.62	-0.44	-0.88	-1.72	1.04
Changes in Accrued Interest and Accounts Receivable	-0.99	-1.2	-0.25	-1.13	-1.15	0.34
Changes in Accounts Payable	-0.7	0.3	-0.02	1.46	0.69	-
Changes in Other Operating Activities	1.51	-0.33	0.74	0.43	2.14	1.23
Operating Cash Flow	12.66	9.22	6.23	6.43	7.77	6.45
Operating Cash Flow Growth	110.11%	48.04%	-3.20%	-17.19%	20.48%	27.02%
Net Change in Short-Term Interbank Lending and Reverse Repurchase Agreements	-3.4	-7.9	-0.1	0.3	-0.3	-
Net Change in Loans Held-for-Investment	-214.33	-237.12	-97.23	-155.48	-371.31	-50.51
Net Change in Securities and Investments	2.72	-9.83	2.21	0.57	-12.2	-12.94
Capital Expenditures	-0.2	-0.21	-0.06	-0.34	-0.22	-0.1
Other Investing Activities	-1.14	-4.84	-0.11	-2.35	-5.31	-4.67
Investing Cash Flow	-234.75	-259.9	-95.29	-157.29	-389.34	-68.22
Net Change in Deposits	162.78	133.81	130.32	150.07	146.4	80.33
Long-Term Debt Issued	25.82	30.82	55	195	110	4
Long-Term Debt Repaid	-24	-25	-70	-80	-20	-13
Net Long-Term Debt Issued (Repaid)	1.82	5.82	-15	115	90	-9
Issuance of Common Stock	-	-	-	-	79.25	-
Repurchase of Common Stock	-4.32	-4.64	-2.75	-2.23	-	-
Net Common Stock Issued (Repurchased)	-4.32	-4.64	-2.75	-2.23	79.25	-
Other Financing Activities	25	45	15	-55	75	-
Financing Cash Flow	185.27	179.99	127.64	207.84	390.64	71.33
Net Cash Flow	-36.82	-70.7	38.58	56.99	9.08	9.56
Free Cash Flow	12.46	9.01	6.17	6.1	7.55	6.35
Free Cash Flow Growth	38.36%	46.01%	1.13%	-19.26%	19.05%	27.74%
FCF Margin	35.82%	28.40%	23.69%	24.36%	34.18%	32.45%
Free Cash Flow Per Share	1.50	1.08	0.74	0.72	0.89	0.85
Levered Free Cash Flow	11.33	12.45	-10.3	120.15	94.48	-3.2
Unlevered Free Cash Flow	-0.09	-1.14	0.71	0.69	1.76	1.76

Updated May 8, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q