For the quarter ending 2026-03-31, CUBI had $386,741K increase in cash & cash equivalents over the period. $35,021K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 |
|---|---|---|---|
| Net income from continuing operations | 69,653 | 74,492 | 149,596 |
| Provision for credit losses | 23,372 | 22,337 | 75,621 |
| Depreciation and amortization | 14,235 | 12,625 | 29,179 |
| Share-based compensation expense | 5,728 | 5,395 | 13,063 |
| Deferred taxes | 3,338 | 1,713 | -12,703 |
| Net amortization (accretion) of investment securities premiums and discounts | 991 | 983 | 2,958 |
| Unrealized (gain) loss on investment securities | -86 | 74 | 307 |
| Impairment loss on debt securities | 0 | 0 | -51,319 |
| Impairment loss on equity securities | - | 0 | 2,278 |
| Net (gain) loss on sale of investment securities | 355 | -27 | -1,611 |
| Unrealized gain on equity method investments | - | 0 | 0 |
| Impairment loss on fixed assets and leases | - | 0 | - |
| Unrealized (gain) loss on derivatives | -11 | 1,085 | 1,884 |
| (gain) loss on sale of leased assets under lessor operating leases | - | - | 1,857 |
| Settlement of terminated fair value hedge derivatives | - | 0 | - |
| Fair value adjustment on loans held for sale | 347 | 55 | -486 |
| Fair value adjustment on loans held for investment | -231 | -240 | 2,278 |
| Net (gain) loss on sale of loans and leases | 1,044 | -62 | 2 |
| Loss on sale of capital call lines of credit | - | 0 | - |
| Origination and purchases of loans held for sale | 171,423 | 174,337 | 606,180 |
| Proceeds from sales and repayments of loans held for sale | 185,771 | 183,698 | 672,239 |
| Amortization (accretion) of loan net deferred fees, discounts and premiums | -7,266 | -14,431 | -27,962 |
| Earnings on investment in bank-owned life insurance | 3,084 | 2,189 | 9,074 |
| (increase) decrease in accrued interest receivable and other assets | 28,043 | 32,675 | -6,528 |
| Increase (decrease) in accrued interest payable and other liabilities | -54,802 | 44,953 | 36,474 |
| Net cash provided by (used in) operating activities | 35,070 | 121,570 | 373,189 |
| Proceeds from maturities, calls and principal repayments of investment securities available for sale | 130,026 | 159,391 | 246,168 |
| Proceeds from maturities, calls and principal repayments of investment securities held to maturity | 66,601 | 77,155 | 218,611 |
| Proceeds from sales of investment securities available for sale | 41,296 | 42,845 | 551,337 |
| Purchases of investment securities available for sale | 225,464 | 138,339 | 802,476 |
| Purchases of investment securities held to maturity | 0 | 3,754 | 24,005 |
| Purchases of equity method investments | - | 0 | 0 |
| Origination of mortgage finance loans | 7,335,209 | 7,673,533 | 19,265,031 |
| Proceeds from repayments of mortgage finance loans | 7,203,610 | 7,550,219 | 19,120,445 |
| Net (increase) decrease in loans and leases, excluding mortgage finance loans | 457,955 | 318,849 | 1,264,353 |
| Proceeds from sales of loans and leases | 19,194 | 4,398 | 1,081 |
| Purchases of loans | 57,826 | 50,394 | 334,886 |
| Purchases of bank-owned life insurance | 0 | 0 | 1,462 |
| Proceeds from bank-owned life insurance | 1,431 | 0 | 5,634 |
| Net purchases from sale of fhlb, federal reserve bank, and other restricted stock | 7,469 | 7,121 | 7,076 |
| Purchases of bank premises and equipment | 49 | 2,489 | 11,250 |
| Proceeds from sale of fixed assets | - | 18 | - |
| Proceeds from sales of other real estate owned | - | 0 | 118 |
| Proceeds from sales of leased assets under lessor operating leases | 434 | 6,872 | 11,091 |
| Purchases of leased assets under lessor operating leases | 4,905 | 58,509 | 88,809 |
| Net cash provided by (used in) investing activities | -626,285 | -412,090 | -1,644,863 |
| Net increase (decrease) in deposits | 824,059 | 375,944 | 1,530,025 |
| Net increase (decrease) in short-term borrowed funds from the fhlb | - | -50,000 | -50,000 |
| Net increase (decrease) in federal funds purchased | -70,000 | - | - |
| Proceeds from long-term borrowed funds from fhlb and frb | 420,000 | 180,000 | 310,000 |
| Repayments of long-term borrowed funds from fhlb and frb | 180,000 | 0 | 200,000 |
| Repayments of other borrowings | - | 0 | 0 |
| Proceeds from issuance of subordinated long-term debt | - | 98,350 | - |
| Redemption of preferred stock | - | 85,000 | 57,501 |
| Repayments of subordinated long-term debt | 110,000 | - | - |
| Preferred stock dividends paid | 0 | 1,947 | 8,855 |
| Purchase of treasury stock | 42,742 | 0 | 5,641 |
| Payments of employee taxes withheld from share-based awards | 3,607 | 966 | 12,534 |
| Proceeds from issuance of common stock | 246 | -37 | 165,888 |
| Net cash provided by (used in) financing activities | 977,956 | 516,344 | 1,671,382 |
| Net increase (decrease) in cash and cash equivalents | 386,741 | 225,824 | 399,708 |
| Cash and cash equivalents beginning | 4,411,463 | -399,708 | 3,785,931 |
| Cash and cash equivalents ending | 4,798,204 | 225,824 | 4,185,639 |
Customers Bancorp, Inc. (CUBI)
Customers Bancorp, Inc. (CUBI)