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Customers Bancorp cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$56.1M in Q3 2026 · $316M over twelve months

Operating cash flow$56.6M
Capital spending−$432K
Free cash flow+$56.1M
Cash / net income0.7×

Analysis

In Q3 2026, Customers Bancorp generated $56.6M of operating cash flow and spent $432K on capital projects, leaving free cash flow of $56.1M. That is $50.3M less than in Q3 2025 ($106M).

Over the twelve months to Sep 30, 2026, operating cash flow was $321M; the largest uses were other investing ($3.8B), buybacks ($87.7M), taxes on employees’ shares ($11.5M); besides operations, cash came from other financing ($3.1B), shares issued ($2.2M); the cash balance fell by $561M.

Operating cash flow was $56.6M against net income of $78.4M — 0.7× profit, less cash than reported earnings, worth checking against working capital. The largest differences: prepaid and other assets −$46.2M, depreciation & amortization +$14.6M, deferred taxes −$6.1M.

Free cash flow

Customers Bancorp: free cash flow by quarterCustomers Bancorp: free cash flow by quarter$133MQ4 2024$93.4MQ1 2025$162MQ2 2025$106MQ3 2025$119MQ4 2025$35.0MQ1 2026$106MQ2 2026$56.1MQ3 2026
Operating cash flow less capital spending.
Customers Bancorp: operating cash flow against capital spendingCustomers Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending$133M$499KQ4 2024$94.1M$686KQ1 2025$162M$86KQ2 2025$117M$10.5MQ3 2025$122M$2.5MQ4 2025$35.1M$49KQ1 2026$107M$1.3MQ2 2026$56.6M$432KQ3 2026
Latest (Q3 2026): Operating cash flow $56.6M, Capital spending $432K.

Capital allocation, year by year

Customers Bancorp: where the cash came from (up) and went (down), by fiscal yearCustomers Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingBuybacksFY2021: Operating cash flow $296MFY2021: Net borrowing −$4.6BFY2021: Shares issued $54.4MFY2021: Capital spending −$613KFY2021: Buybacks −$27.7M$350MFY2021FY2022: Operating cash flow −$20.8MFY2022: Shares issued $1.0MFY2022: Capital spending −$4.0MFY2022: Buybacks −$33.2M$1.0MFY2022FY2023: Operating cash flow $125MFY2023: Shares issued $5.3MFY2023: Asset sales $73KFY2023: Capital spending −$590KFY2023: Buybacks −$39.8M$130MFY2023FY2024: Operating cash flow $145MFY2024: Shares issued $2.6MFY2024: Capital spending −$1.5MFY2024: Buybacks −$19.2M$148MFY2024FY2025: Operating cash flow $495MFY2025: Shares issued $167MFY2025: Asset sales $18KFY2025: Capital spending −$13.7MFY2025: Buybacks −$5.6M$662MFY2025
Over these 5 years operating cash flow totalled $1.0B; the largest uses were net borrowing ($4.6B) and buybacks ($126M). Cash-flow statements as filed.

Where the cash came from and went

Customers Bancorp: sources (+) and uses (−) of cash, Q3 2026Customers Bancorp: sources (+) and uses (−) of cash, Q3 2026Other investing−$1.5BOther financing$939MCash drawn (+) / kept (−)$554MOperating cash flow$56.6MBuybacks−$38.3MShares issued$1.6MCapital spending−$432KTaxes on employees’ shares−$306K
Customers Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Customers Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$3.8BOther financing$3.1BCash drawn (+) / kept (−)$561MOperating cash flow$321MBuybacks−$87.7MTaxes on employees’ shares−$11.5MCapital spending−$4.2MShares issued$2.2M

From profit to cash

Customers Bancorp: net income to operating cash flow, Q3 2026Customers Bancorp: net income to operating cash flow, Q3 2026Net income$78.4MDepreciation & amortization$14.6MStock-based pay$5.2MDeferred taxes−$6.1MPrepaid and other assets−$46.2MOther liabilities−$5.2MOperating cash flow$56.6M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksShares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$56.6M−$432K−$38.3M$1.6M$554M$56.1M
Q2 2026$107M−$1.3M−$6.7M$420K$619M$106M
Q1 2026$35.1M−$49K−$42.7M$246K−$387M$35.0M
Q4 2025$122M−$2.5M—−$37K−$226M$119M
Q3 2025$117M−$10.5M—$165M−$682M$106M
Q2 2025$162M−$86K—$488K−$74.8M$162M
Q1 2025$94.1M−$686K−$5.6M$645K$357M$93.4M
Q4 2024$133M−$499K−$1.0M$250K−$698M$133M

Customers Bancorp: income statement and cash flow

Customers Bancorp, Q3 2026: revenue $239M (+3% year over year), operating margin 42.0%. The chart follows the revenue to costs, profit and cash.

Customers Bancorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.