Commercial Bancgroup (CBK) Cash Flow Statement

In fiscal 2025 (fiscal year ended Dec 31, 2025), Commercial Bancgroup generated $37.09M of operating cash flow and spent $1.87M on capital expenditures. That left free cash flow of $35.23M, down 1.1% from $35.63M a year earlier, or 26.8% of revenue. It returned $2.98M to shareholders through $2.00M in dividends and $980.80K in share buybacks.

Commercial Bancgroup Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Cash flow statement showing operating, investing, and financing activities for Commercial Bancgroup, Inc. (CBK) - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023
Period ending	Dec 2025	Dec 2024	Dec 2023
Operating Activities
Net Income	37.20	31.69	31.21
Depreciation & Amortization	2.14	4.11	2.12
Deferred Income Tax	-0.23	0.00	0.00
Stock Based Compensation	0.12	2.14	0.46
Change in Working Capital	-2.33	-0.70	0.34
Change in Accounts Receivable	-0.26	1.05	-2.00
Change in Accounts Payable	-1.26	1.17	2.88
Change in Other Working Capital	0.49	-0.15	1.82
Other Operating Activities	-1.71	-0.15	-0.88
Net Cash from Operating Activities	37.09	38.68	38.89
Investing Activities
Capital Expenditures	-1.87	-3.04	-3.17
Acquisitions	0.29	0.00	7.97
Purchases of Investments	-134.95	-47.27	-16.65
Sales/Maturities of Investments	174.06	81.31	35.36
Other Investing Activities	-1.31	1.68	2.99
Net Cash from Investing Activities	-32.66	-84.93	-127.96
Financing Activities
Debt Repayment	-35.52	-112.20	-18.76
Common Stock Issued	29.86	0.00	3.89
Common Stock Repurchased	-0.98	-1.83	-2.11
Dividends Paid	-2.00	-2.00	-1.50
Other Financing Activities	-122.86	-5.68	176.13
Net Cash from Financing Activities	-38.31	68.51	183.10
Summary
Net Change in Cash	-33.88	22.26	94.03
Cash at Beginning of Period	178.20	155.94	61.91
Cash at End of Period	144.32	178.20	155.94
Free Cash Flow	35.23	35.63	35.72
Supplemental Disclosures
Interest Paid	42.44	44.46	27.64
Income Taxes Paid	9.50	9.75	6.80

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Commercial Bancgroup Cash Flow

What is Commercial Bancgroup's free cash flow?

Commercial Bancgroup generated free cash flow of $35.23M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of $37.09M minus $1.87M of capital expenditures. That was down 1.1% from $35.63M a year earlier. Free cash flow equaled 26.8% of revenue.

How much does Commercial Bancgroup spend on capital expenditures?

Commercial Bancgroup spent $1.87M on capital expenditures in fiscal 2025, compared with $3.04M a year earlier. That equals 5.0% of operating cash flow.

Does Commercial Bancgroup pay dividends or buy back shares?

Yes. In fiscal 2025 Commercial Bancgroup returned $2.00M in dividends and $980.80K in share buybacks to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition