For the year ending 2025-12-31, CUBI had $625,532K increase in cash & cash equivalents over the period. $481,020K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 224,088 |
| Provision for credit losses | 97,958 |
| Depreciation and amortization | 41,804 |
| Share-based compensation expense | 18,458 |
| Deferred taxes | -10,990 |
| Net amortization (accretion) of investment securities premiums and discounts | 3,941 |
| Unrealized (gain) loss on investment securities | 381 |
| Impairment loss on debt securities | -51,319 |
| Impairment loss on equity securities | 2,278 |
| Net (gain) loss on sale of investment securities | -1,638 |
| Unrealized gain on equity method investments | 0 |
| Impairment loss on fixed assets and leases | 0 |
| Unrealized (gain) loss on derivatives | 2,969 |
| Settlement of terminated fair value hedge derivatives | 0 |
| Fair value adjustment on loans held for sale | -431 |
| Fair value adjustment on loans held for investment | 2,038 |
| Net (gain) loss on sale of loans and leases | -60 |
| Loss on sale of capital call lines of credit | 0 |
| Origination and purchases of loans held for sale | 780,517 |
| Proceeds from the sales and repayments of loans held for sale | 855,937 |
| Amortization (accretion) of loan net deferred fees, discounts and premiums | -42,393 |
| Earnings on investment in bank-owned life insurance | 11,263 |
| (increase) decrease in accrued interest receivable and other assets | 26,147 |
| Increase (decrease) in accrued interest payable and other liabilities | 81,427 |
| Net cash provided by (used in) operating activities | 494,759 |
| Proceeds from maturities, calls and principal repayments of investment securities available for sale | 405,559 |
| Proceeds from maturities, calls and principal repayments of investment securities held to maturity | 295,766 |
| Proceeds from sales of investment securities available for sale | 594,182 |
| Purchases of investment securities available for sale | 940,815 |
| Purchases of investment securities held to maturity | 27,759 |
| Purchases of equity method investments | 0 |
| Origination of mortgage finance loans | 26,938,564 |
| Proceeds from repayments of mortgage finance loans | 26,670,664 |
| Net (increase) decrease in loans and leases, excluding mortgage finance loans | 1,583,202 |
| Proceeds from sales of loans and leases | 5,479 |
| Purchases of loans | 385,280 |
| Purchases of bank-owned life insurance | 1,462 |
| Proceeds from bank-owned life insurance | 5,634 |
| Net (purchases of) proceeds from sales of fhlb, federal reserve bank, and other restricted stock | 14,197 |
| Purchases of bank premises and equipment | 13,739 |
| Proceeds from sale of fixed assets | 18 |
| Proceeds from sales of other real estate owned | 118 |
| Proceeds from sales of leased assets under lessor operating leases | 17,963 |
| Purchases of leased assets under lessor operating leases | 147,318 |
| Net cash provided by (used in) investing activities | -2,056,953 |
| Net increase (decrease) in deposits | 1,905,969 |
| Net increase (decrease) in short-term borrowed funds from the fhlb | -100,000 |
| Proceeds from long-term borrowed funds from fhlb and frb | 490,000 |
| Repayments of long-term borrowed funds from fhlb and frb | 200,000 |
| Repayments of other borrowings | 0 |
| Proceeds from issuance of subordinated long-term debt | 98,350 |
| Redemption of preferred stock | 142,501 |
| Preferred stock dividends paid | 10,802 |
| Purchases of treasury stock | 5,641 |
| Payments of employee taxes withheld from share-based awards | 13,500 |
| Proceeds from issuance of common stock | 165,851 |
| Net cash provided by (used in) financing activities | 2,187,726 |
| Net increase (decrease) in cash and cash equivalents | 625,532 |
| Cash and cash equivalents beginning balance | 3,785,931 |
| Cash and cash equivalents ending balance | 4,411,463 |
Customers Bancorp, Inc. (CUBI)
Customers Bancorp, Inc. (CUBI)