Customers Bancorp Cash Flow - Annual (NYSE:CUBI)

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$34.99 $0.37 (1.05%) CUBI stock closing price Feb 17, 2017 (Closing)

The financial analysis of CUBI requires an investor to check the cash flows for Customers Bancorp. While its important to look at the Customers Bancorp debt position, the cash flow statement becomes equally important because public companies use accrual accounting. For example, if a company sells a product which gets counted as Customers Bancorp revenue but does not convert to cash because it does not receive payment in the same quarter, it affects the cash position for that period. This statement can tell if a company is running out of money while still being profitable and is useful in Customers Bancorp stock analysis. Customers Bancorp had a positive net income cash flow of $58.58M for the latest year. This report is very useful in measuring the short term viability of a company. Customers Bancorp saw a inflow of $663.7M from investing activities for 2015. View details of Customers Bancorp cash flows for latest & last ten financial years.

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Annual
Quarterly
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Fiscal year is Jan - Dec. 2015 2014 2013 2012 2011 2010 2009
Customers Bancorp Net Income Cash Flow
58.58M43.21M32.69M23.81M4.03M23.73M-13.23M
Depreciation Depletion Amortization Cash-Flow1.69M0.54M-0.43M2.82M0.13M-0.55M0.18M
Net Increase (Decrease) in Assets Liabilities-429.45M-597.3M680.63M-1.27B24.77M-218.41M-1.41M
Cash From (used in) Discontinued Operations-------
Other Adjustments Net12.53M11.04M9.14M1.78M0.95M-26.31M12.04M
Customers Bancorp Net Cash from (used by) Operating Activities
-356.64M-542.49M722.03M-1.24B29.9M-221.54M-2.42M
Increase (Decrease) in Prop Plant And Equipment5.95M6.57M5.61M-13.4M2.85M-17.83M2.64M
Acquisition Disposition of Subsidiaires----19.2M72.93M-
Increase (Decrease) in Investments97.41M265.67M-375.08M284.13M-179.94M173.57M-11.94M
Other Cash Inflow (Outflow) from Investment Activities-1.36B-2.19B-1.22B-8.6M-602.59M-273.78M-14.5M
Customers Bancorp Net Cash from (used by) Invesment Activities
-1.26B-1.92B-1.59B262.13M-760.47M-348.78M-23.81M
Issuance (Purchase) of Equity Shares56.47M0.08M90.01M94.58M24.97M59.72M16.67M
Issuance (Repayment) of Debt Securities25M398.14M95.33M49M---
Increase (Decrease) in Bank & Other Borrowings-17.7M631.5M208.5M91M325M--4M
Payment of Dividends & Other Cash Distributions-2.31M----0.04M--
Other Cash from (used by) Financing Activities
Customers Bancorp Net Cash from (used by) Financing Activities
1.51B2.6B913.03M1.09B565.42M740.24M88.75M
Effect of Exchange Rate Changes on Cash-------
Customers Bancorp Net Change in Cash & Cash Equivalents
-106.43M137.95M47.05M112.44M-165.15M169.91M62.51M
Cash & Equivalents at Beginning of Year371.02M233.06M186.01M73.57M238.72M68.8M6.29M
Cash & Equivalents at Year End264.59M371.02M233.06M186.01M73.57M238.72M68.8M
All figures in USD. M: Millions of USD, B: Billions of USD.
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The statement of cash flows comprises of cash flow from financing, cash flow from operations and cash flow from investing activities. All the three can have an impact on the stock price. The Customers Bancorp stock price history and Customers Bancorp stock comparison chart inevitably reflect its cash flow situation.
  • Net Change in Cash and Cash Equivalents: Customers Bancorp cash grew YoY to $58.58M, meaning the company is able to meet its expenditure and grow cash which will also eventually reflect in the Customers Bancorp stock price movement.
  • Cash Flow from operating activities: Customers Bancorp reported a negative operating cash flow of $-356.64M for 2015 and has seen an increase from the previous year. Operating cash flow or working capital comes from main business activities. Investors look for positive cash flow from recurring operating activities.
  • Cash from investing stood at a positive value of $-1.26B for CUBI stock. A company with surplus cash usually thinks of re-investing it in the form of buying fixed assests, or purchasing plant/ machinery which will help grow the business further. By looking at cash flow from investment activities one can check where the company is putting its cash.
  • Cash Flow from financing activities: The cash inflow/outflow from financing activities was $1.51B for Customers Bancorp. The money accounted for under this head comes from external sources which includes lenders, investors and shareholders. Positive cash flow is generated when the company gets cash because of issuance of stocks or bonds. Similarly negative cash flow is generated when shares are repurchased, dividend payments are made, and loans or interest on loans are paid back.
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