Capital Bancorp (CBNK) Cash Flow: Operating & Free Cash Flow

Capital Bancorp (CBNK) Cash Flow Statement

In fiscal 2025 (fiscal year ended Dec 31, 2025), Capital Bancorp generated $69.72M of operating cash flow and spent $2.37M on capital expenditures. That left free cash flow of $67.35M, up 105.5% from $32.77M a year earlier, or 22.2% of revenue. It returned $19.03M to shareholders through $7.30M in dividends and $11.73M in share buybacks.

Capital Bancorp 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 Capital Bancorp, Inc. (CBNK) - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Operating Activities
Net Income	57.17	30.97	35.87	41.80	39.98	25.82	16.90	12.77	7.11
Depreciation & Amortization	3.87	2.21	0.47	1.43	1.21	1.89	2.35	1.09	0.98
Deferred Income Tax	1.10	-1.81	0.14	1.24	-1.93	-3.17	-0.84	-0.14	-0.24
Stock Based Compensation	1.61	1.90	1.76	1.66	1.35	0.98	0.80	0.57	0.51
Change in Working Capital	-2.51	1.59	0.22	-10.19	-4.86	3.02	2.48	2.75	-0.66
Change in Accounts Receivable	-0.03	-0.76	-2.01	-1.59	0.23	-3.36	-0.31	-0.60	-0.65
Change in Accounts Payable	-3.67	2.53	4.55	0.28	-0.66	-0.67	0.24	0.48	0.31
Change in Other Working Capital	-8.65	-0.18	-2.33	7.54	-4.43	7.05	2.55	2.87	-0.32
Other Operating Activities	-8.65	0.07	8.96	7.54	96.33	-23.09	-48.89	11.27	27.12
Net Cash from Operating Activities	69.72	34.93	47.42	51.39	132.08	5.46	-27.21	28.30	34.81
Investing Activities
Capital Expenditures	-2.37	-2.16	-2.16	-1.55	-0.02	-0.27	-0.30	-1.74	-1.42
Acquisitions	0.00	65.17	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Purchases of Investments	-54.88	-65.40	-6.96	-113.08	-169.67	-53.93	-38.59	0.00	-12.81
Sales/Maturities of Investments	56.11	53.21	55.99	23.85	80.42	17.01	25.45	6.39	6.20
Other Investing Activities	-349.74	-320.78	-177.71	-107.67	-148.95	-348.33	-174.49	-113.92	-125.34
Net Cash from Investing Activities	-350.88	-269.95	-130.84	-198.46	-238.23	-385.51	-187.98	-109.26	-133.37
Financing Activities
Debt Repayment	-10.00	-15.00	-70.00	85.00	-1.95	-11.77	30.22	0.00	-4.00
Common Stock Issued	1.16	0.00	0.00	1.24	0.00	0.00	0.00	19.96	0.00
Common Stock Repurchased	-11.73	-1.40	-8.83	0.00	0.00	-3.72	-0.37	-0.05	-0.51
Dividends Paid	-7.30	-5.28	-3.92	-3.09	-1.38	0.00	0.00	0.00	0.00
Other Financing Activities	18.00	408.07	139.72	85.00	145.98	427.63	265.44	43.46	117.24
Net Cash from Financing Activities	331.39	386.39	56.97	44.09	142.64	412.14	295.29	63.37	112.73
Summary
Net Change in Cash	50.23	151.37	-26.45	-102.98	36.49	32.09	80.10	-17.59	14.18
Cash at Beginning of Period	205.33	53.96	80.42	183.40	146.91	114.82	34.72	52.31	38.13
Cash at End of Period	255.57	205.33	53.96	80.42	183.40	146.91	114.82	34.72	52.31
Free Cash Flow	67.35	32.77	45.26	49.84	132.05	5.19	-27.52	26.57	33.39
Supplemental Disclosures
Interest Paid	-	54.75	37.13	9.48	7.21	-	-	-	-
Income Taxes Paid	-	9.10	7.70	11.73	15.92	-	-	-	-

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

Frequently Asked Questions About Capital Bancorp Cash Flow

What is Capital Bancorp's free cash flow?

Capital Bancorp generated free cash flow of $67.35M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of $69.72M minus $2.37M of capital expenditures. That was up 105.5% from $32.77M a year earlier. Free cash flow equaled 22.2% of revenue.

How much does Capital Bancorp spend on capital expenditures?

Capital Bancorp spent $2.37M on capital expenditures in fiscal 2025, compared with $2.16M a year earlier. That equals 3.4% of operating cash flow.

Does Capital Bancorp pay dividends or buy back shares?

Yes. In fiscal 2025 Capital Bancorp returned $7.30M in dividends and $11.73M 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