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Capital Bancorp cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$35.4M in Q3 2026 · $78.7M over twelve months

Operating cash flow$35.4M
Free cash flow+$35.4M
Cash / net income2.7×

Analysis

In Q3 2026, Capital Bancorp generated $35.4M of operating cash flow. That is $10.6M more than in Q3 2025 ($24.8M).

Over the twelve months to Sep 30, 2026, operating cash flow was $78.7M; the largest uses were other investing ($356M), buybacks ($12.1M), dividends ($8.2M); besides operations, cash came from other financing ($368M), shares issued ($2.5M); the cash balance rose by $73.2M.

Operating cash flow was $35.4M against net income of $13.1M — 2.7× profit, cash ran ahead of reported earnings. The largest differences: prepaid and other assets +$9.1M, other liabilities +$4.4M, deferred taxes −$782K.

Free cash flow

Capital Bancorp: free cash flow by quarterCapital Bancorp: free cash flow by quarter$25.9MQ4 2024$22.6MQ1 2025−$4.2MQ2 2025$24.8MQ3 2025$26.6MQ4 2025$21.8MQ1 2026−$5.0MQ2 2026$35.4MQ3 2026
Operating cash flow less capital spending.
Capital Bancorp: operating cash flow against capital spendingCapital Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending$25.9M$0Q4 2024$22.6M$0Q1 2025−$4.2M$0Q2 2025$24.8M$0Q3 2025$26.6M$0Q4 2025$21.8M$0Q1 2026−$5.0M$0Q2 2026$35.4M$0Q3 2026
Latest (Q3 2026): Operating cash flow $35.4M, Capital spending $0.

Capital allocation, year by year

Capital Bancorp: where the cash came from (up) and went (down), by fiscal yearCapital Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAcquisitionsBuybacksDividendsFY2021: Operating cash flow $132MFY2021: Net borrowing −$2.0MFY2021: Shares issued $967KFY2021: Dividends −$1.4M$133MFY2021FY2022: Operating cash flow $51.4MFY2022: Shares issued $1.2MFY2022: Dividends −$3.1M$52.6MFY2022FY2023: Operating cash flow $47.4MFY2023: Net borrowing $15.0MFY2023: Shares issued $1.8MFY2023: Buybacks −$8.8MFY2023: Dividends −$3.9M$64.2MFY2023FY2024: Operating cash flow $34.9MFY2024: Net borrowing −$15.0MFY2024: Shares issued $1.1MFY2024: Acquisitions $65.2MFY2024: Buybacks −$1.4MFY2024: Dividends −$5.3M$101MFY2024FY2025: Operating cash flow $69.7MFY2025: Net borrowing −$10.0MFY2025: Shares issued $1.2MFY2025: Buybacks −$11.7MFY2025: Dividends −$7.3M$70.9MFY2025
Over these 5 years operating cash flow totalled $336M; the largest uses were net borrowing ($27.0M) and buybacks ($22.0M). Cash-flow statements as filed.

Where the cash came from and went

Capital Bancorp: sources (+) and uses (−) of cash, Q3 2026Capital Bancorp: sources (+) and uses (−) of cash, Q3 2026Cash drawn (+) / kept (−)$156MOther financing−$102MOther investing−$88.5MOperating cash flow$35.4MDividends−$2.3MShares issued$729K
Capital Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Capital Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Other financing$368MOther investing−$356MOperating cash flow$78.7MCash drawn (+) / kept (−)−$73.2MBuybacks−$12.1MDividends−$8.2MShares issued$2.5M

From profit to cash

Capital Bancorp: net income to operating cash flow, Q3 2026Capital Bancorp: net income to operating cash flow, Q3 2026Net income$13.1MStock-based pay$611KDeferred taxes−$782KPrepaid and other assets$9.1MOther liabilities$4.4MIncome taxes payable−$23KOperating cash flow$35.4M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$35.4M—−$2.3M—$729K$156M$35.4M
Q2 2026−$5.0M−$36K−$2.0M——−$18.9M−$5.0M
Q1 2026$21.8M−$3.6M−$2.0M—$708K−$144M$21.8M
Q4 2025$26.6M−$8.6M−$2.0M−$10.0M$1.1M−$66.7M$26.6M
Q3 2025$24.8M$312K−$2.0M—−$194K$85.7M$24.8M
Q2 2025−$4.2M−$2.9M−$1.7M—$236K$19.4M−$4.2M
Q1 2025$22.6M−$618K−$1.7M—$43K−$88.7M$22.6M
Q4 2024$25.9M—−$1.7M—$682K−$48.6M$25.9M

Capital Bancorp: income statement and cash flow

Capital Bancorp, Q3 2026: revenue $68.1M (+8% year over year), operating margin 25.8%. The chart follows the revenue to costs, profit and cash.

Capital Bancorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.