Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|
| Operating income | — | — | — | — | — | -$4.47M | -$4.61M | -$3.71M | — |
| Net income | $7.11M | $12.8M | $16.9M | $25.8M | $40.0M | $41.8M | $35.9M | $31.0M | $57.2M |
| EPS (diluted) | $0.62 | $1.02 | $1.21 | $1.87 | $2.84 | $2.91 | $2.55 | $2.12 | $3.41 |
| Fiscal year | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $34.8M | $28.3M | -$27.2M | $5.46M | $132M | $51.4M | $47.4M | $34.9M | $69.7M |
| Capital expenditures | $1.42M | $1.74M | — | — | — | — | — | — | — |
| Free cash flow | $33.4M | $26.6M | — | — | — | — | — | — | — |
| Share buybacks | $512K | $45.0K | $371K | $3.72M | $0.00 | $0.00 | $8.83M | $1.40M | $11.7M |
| Dividends paid | — | — | — | $0.00 | $1.38M | $3.08M | $3.92M | $5.28M | $7.30M |
| Fiscal year | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $52.3M | $34.7M | $115M | $147M | $183M | $80.4M | $54.0M | $205M | $256M |
| Total assets | $1.03B | $1.11B | $1.43B | $1.88B | $2.06B | $2.12B | $2.23B | $3.21B | $3.61B |
| Total liabilities | $946M | $990M | $1.29B | $1.72B | $1.86B | $1.90B | $1.97B | $2.85B | $3.20B |
| Shareholders' equity | $80.1M | $115M | $133M | $159M | $198M | $224M | $255M | $355M | $402M |
| Retained earnings | $53.2M | $65.7M | $81.6M | $107M | $145M | $182M | $213M | $243M | $293M |
| Shares (wtd avg diluted) | 11.4M | 12.5M | 14.0M | 13.8M | 14.1M | 14.4M | 14.1M | 14.6M | 16.8M |
Every figure is extracted from Capital Bancorp Inc’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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