Customers Bancorp, Inc. (CUBI)

Customers Bancorp Cash Flow Statement

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

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	280.83	224.09	181.47	250.14	228.03	354.27
Depreciation & Amortization	40.4	41.8	33.55	31.81	27.16	21.67
Provision for Credit Losses	93.03	97.96	73.45	74.61	60.07	27.43
Stock-Based Compensation	19.94	18.46	14.44	12.59	14.15	13.86
Net Change in Loans Held-for-Sale	63.22	75.42	-12.68	-206.09	-306.9	-8.71
Other Adjustments	-46.59	-18.25	-12.23	-80.72	-18.75	-262.61
Changes in Accrued Interest and Accounts Receivable	3.06	-26.15	-99.98	23.58	-3.59	46.66
Changes in Accounts Payable	26.1	81.43	-32.83	18.68	-20.99	102.99
Operating Cash Flow	435.71	494.76	145.06	124.73	-20.83	-24.38
Operating Cash Flow Growth	68.88%	241.08%	16.30%	-	-	-

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Change in Loans Held-for-Investment	-2,375	-2,231	-1,658	2,376	-1,351	1,475
Net Change in Securities and Investments	341.52	326.93	684.86	798.65	149.79	-2,619
Proceeds from Business Divestments	-	-	-	-	-	3.77
Capital Expenditures	-13.1	-13.74	-1.49	-0.59	-4.05	-0.61
Sale of Property, Plant & Equipment	-	0.02	0.07	-	-	-
Other Investing Activities	-137	-139.26	-31.83	-16.65	-93.18	-59.88
Investing Cash Flow	-2,183	-2,057	-1,006	3,158	-1,298	-1,201

Financing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Change in Deposits	2,663	1,906	933.7	-238.15	1,379	5,468
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	70	-100	100	-300	-475	-4,740
Long-Term Debt Issued	810	588.35	155	2,565	500	98.8
Long-Term Debt Repaid	390	200	350	1,865	100	-
Net Long-Term Debt Issued (Repaid)	1,200	788.35	505	4,430	600	98.8
Issuance of Common Stock	165.45	165.85	1.76	3.11	0.53	27.76
Repurchase of Common Stock	50.03	19.14	24.7	42.24	38.23	33.23
Net Common Stock Issued (Repurchased)	215.49	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	-7.37	-10.8	-15.15	-14.64	-9.33	-10.83
Other Financing Activities	-	-	-	-	-	26.8
Financing Cash Flow	3,117	2,188	800.62	108.09	1,257	754.78

Net Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Cash Flow	1,370	625.53	-60.42	3,391	-62.23	-175.32

Free Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	422.61	481.02	143.57	124.14	-24.87	-24.99
Free Cash Flow Growth	64.93%	235.05%	15.65%	-	-	-
FCF Margin	52.30%	66.78%	22.38%	18.16%	-4.17%	-3.40%
Free Cash Flow Per Share	12.38	14.39	4.39	3.86	-0.74	-0.74

SEC Filings: 10-K · 10-Q

Data Source: Fiscal.ai Last updated: Jul 23, 2026

Financial data is provided by Fiscal.ai and updates within minutes after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Jul 27, 2026

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