Customers Bancorp Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	224.09	181.47	250.14	228.03	354.27
Depreciation & Amortization	41.8	33.55	31.81	27.16	21.67
Provision for Credit Losses	97.96	73.45	74.61	60.07	27.43
Stock-Based Compensation	18.46	14.44	12.59	14.15	13.86
Net Change in Loans Held-for-Sale	75.42	-12.68	-206.09	-306.9	-8.71
Other Adjustments	-18.25	-12.23	-80.72	-18.75	-262.61
Changes in Accrued Interest and Accounts Receivable	-26.15	-99.98	23.58	-3.59	46.66
Changes in Accounts Payable	81.43	-32.83	18.68	-20.99	102.99
Operating Cash Flow	494.76	145.06	124.73	-20.83	-24.38
Operating Cash Flow Growth	241.08%	16.30%	-	-	-
Net Change in Loans Held-for-Investment	-2,231	-1,658	2,376	-1,351	1,475
Net Change in Securities and Investments	326.93	684.86	798.65	149.79	-2,619
Proceeds from Business Divestments	-	-	-	-	3.77
Capital Expenditures	-13.74	-1.49	-0.59	-4.05	-0.61
Sale of Property, Plant & Equipment	0.02	0.07	-	-	-
Other Investing Activities	-139.26	-31.83	-16.65	-93.18	-59.88
Investing Cash Flow	-2,057	-1,006	3,158	-1,298	-1,201
Net Change in Deposits	1,906	933.7	-238.15	1,379	5,468
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-100	100	-300	-475	-4,740
Long-Term Debt Issued	588.35	155	2,565	500	98.8
Long-Term Debt Repaid	200	350	1,865	100	-
Net Long-Term Debt Issued (Repaid)	788.35	505	4,430	600	98.8
Issuance of Common Stock	165.85	1.76	3.11	0.53	27.76
Repurchase of Common Stock	19.14	24.7	42.24	38.23	33.23
Net Common Stock Issued (Repurchased)	184.99	26.46	45.35	38.76	60.99
Repurchase of Preferred Stock	142.5	-	-	-	82.5
Net Preferred Stock Issued (Repurchased)	142.5	-	-	-	82.5
Preferred Share Dividends Paid	-10.8	-15.15	-14.64	-9.33	-10.83
Other Financing Activities	-	-	-	-	26.8
Financing Cash Flow	2,188	800.62	108.09	1,257	754.78
Net Cash Flow	625.53	-60.42	3,391	-62.23	-175.32
Free Cash Flow	481.02	143.57	124.14	-24.87	-24.99
Free Cash Flow Growth	235.05%	15.65%	-	-	-
FCF Margin	66.78%	22.38%	18.16%	-4.17%	-3.40%
Free Cash Flow Per Share	14.39	4.39	3.86	-0.74	-0.74
Levered Free Cash Flow	1,081	570.68	4,739	816.93	569.63
Unlevered Free Cash Flow	83.35	-100.75	73.49	-1.47	170.69

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q