Customers Bancorp Cash Flow - Annual (NYSE:CUBI)

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$31.46 $0.76 (2.48%) CUBI stock closing price Apr 27, 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. Items like capital purchases, bank loan payments etc. which have a direct impact on the cash position of a company come out through the statemement of cash flows and help an investor who undertakes the Customers Bancorp stock analysis. Customers Bancorp generated $-263.04M cash from operating activities in 2016. The cash from operating activities for Customers Bancorp is $-263.04MĀ for 2016, which saw an increase of -26.24% from previous year. View details of Customers Bancorp cash flows for latest & last ten financial years.

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Annual
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Fiscal year is Jan - Dec. 2016 2015 2014 2013 2012 2011 2010 2009
Customers Bancorp Net Income Cash Flow
87.7M58.58M43.21M32.69M23.81M4.03M23.73M-13.23M
Depreciation Depletion Amortization Cash-Flow1.29M1.69M0.54M-0.43M2.82M0.13M-0.55M0.18M
Net Increase (Decrease) in Assets Liabilities-366.23M-429.45M-597.3M680.63M-1.27B24.77M-218.41M-1.41M
Cash From (used in) Discontinued Operations--------
Other Adjustments Net14.18M12.53M11.04M9.14M1.78M0.95M-26.31M12.04M
Customers Bancorp Net Cash from (used by) Operating Activities
-263.04M-356.64M-542.49M722.03M-1.24B29.9M-221.54M-2.42M
Increase (Decrease) in Prop Plant And Equipment-4.06M5.95M6.57M5.61M-13.4M2.85M-17.83M2.64M
Acquisition Disposition of Subsidiaires-----19.2M72.93M-
Increase (Decrease) in Investments193.6M97.41M265.67M-375.08M284.13M-179.94M173.57M-11.94M
Other Cash Inflow (Outflow) from Investment Activities-760.23M-1.36B-2.19B-1.22B-8.6M-602.59M-273.78M-14.5M
Customers Bancorp Net Cash from (used by) Invesment Activities
-570.69M-1.26B-1.92B-1.59B262.13M-760.47M-348.78M-23.81M
Issuance (Purchase) of Equity Shares228.52M56.47M0.08M90.01M94.58M24.97M59.72M16.67M
Issuance (Repayment) of Debt Securities75M25M398.14M95.33M49M---
Increase (Decrease) in Bank & Other Borrowings-831.5M-17.7M631.5M208.5M91M325M--4M
Payment of Dividends & Other Cash Distributions-9.05M-2.31M----0.04M--
Other Cash from (used by) Financing Activities
Customers Bancorp Net Cash from (used by) Financing Activities
660.52M1.51B2.6B913.03M1.09B565.42M740.24M88.75M
Effect of Exchange Rate Changes on Cash153.33M-------
Customers Bancorp Net Change in Cash & Cash Equivalents
-19.88M-106.43M137.95M47.05M112.44M-165.15M169.91M62.51M
Cash & Equivalents at Beginning of Year264.59M371.02M233.06M186.01M73.57M238.72M68.8M6.29M
Cash & Equivalents at Year End244.7M264.59M371.02M233.06M186.01M73.57M238.72M68.8M
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.
  • Customers Bancorp saw an increase in Net Change in Cash and Cash Equivalents from $-106.43M in 2015 to $-19.88M in 2016. Apart from the Customers Bancorp stock price, this is one of the things an investor looks for, as it shows the net change in cash on hand for a company, compared to previous period.
  • Cash Flow from operating activities: Customers Bancorp reported a negative operating cash flow of $-263.04M for 2016 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 Flow from investment activities: This includes buying/selling of land and equipment, acquisitions and mergers, sell-off, investment in other companies like buying bonds, stocks etc. , and was $-263.04M for CUBI in last year report.
  • Cash Flow from financing activities: Financing activities include the cash that comes into a company in the form of loans or interest earned or shareholders money, as well as the cash that goes out. Customers Bancorp spent $847.92M from financing activities,in the form of repayment of loans or interest paid, dividend pay-out to shareholders etc.
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Key Financial Ratios For Customers Bancorp Cash Flow

FCF margin
3.13