CUBI NYSE
Customers Bancorp, Inc.
1W: +2.5%
1M: -1.2%
3M: +3.7%
YTD: +1.6%
1Y: +40.7%
3Y: +286.4%
5Y: +116.3%
$75.15
-0.54 (-0.71%)
Weekly Expected Move ±4.5%
$66
$69
$72
$76
$79
Overview
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Financials
Income Statement
Cash Flow
Balance Sheet
Earnings
Dividends
Analysis
Technicals
Weather
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ESG
Institutions
ETF Exposure
Dark Pool
Short Interest
Cash Flow Trends
Operating Cash Flow
$495M
+241.1% ▲
5Y CAGR: +26.6%
Capital Expenditures
$14M
+78.9% ▲
5Y CAGR: -13.8%
Free Cash Flow
$481M
+502.3% ▲
5Y CAGR: +31.3%
Dividends Paid
$11M
+28.7% ▲
Buybacks
$148M
-669.8% ▼
Net Change in Cash
$626M
+1135.4% ▲
Cash Flow Composition
Year-over-Year Growth
View Full Cash Flow Statement
| Line Item | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| — Operating Activities — | |||||
| Net Income | $354M | $228M | $250M | $181M | $224M |
| Depreciation & Amort. | $22M | $27M | $32M | $34M | $38M |
| Stock-Based Comp. | $14M | $14M | $13M | $14M | $18M |
| Change in Working Capital | $150M | -$25M | $42M | -$133M | $55M |
| Other Non-Cash Items | -$286M | -$272M | -$234M | $50M | $170M |
| Operating Cash Flow | $271M | -$21M | $125M | $145M | $495M |
| — Investing Activities — | |||||
| Capital Expenditures | -$33M | -$113M | -$41M | -$65M | $0 |
| Acquisitions (Net) | $4M | $0 | $0 | $0 | $0 |
| Investment Purchases | -$3.6B | -$1.4B | -$74M | -$866M | -$969M |
| Investment Sales | $1.0B | $1.5B | $873M | $1.5B | $1.0B |
| Other Investing | $1.4B | -$1.3B | $2.4B | -$1.6B | -$2.1B |
| Investing Cash Flow | -$1.2B | -$1.3B | $3.2B | -$1.0B | -$2.1B |
| — Financing Activities — | |||||
| Net Debt Issuance | -$4.5B | -$75M | $400M | -$95M | $288M |
| Stock Repurchased | -$110M | -$33M | -$40M | -$19M | -$148M |
| Dividends Paid | -$11M | -$9M | -$15M | -$15M | -$11M |
| Other Financing | $5.3B | $1.4B | -$241M | $928M | $1.9B |
| Financing Cash Flow | $755M | $1.3B | $108M | $801M | $2.2B |
| Net Change in Cash | -$175M | -$62M | $3.4B | -$60M | $626M |
| Cash End of Period | $518M | $456M | $3.8B | $3.8B | $4.4B |
| Free Cash Flow | $238M | -$134M | $83M | $80M | $481M |