Customers Bancorp, Inc.
S&P 600
Cash Flow
Cash Flow Breakdown
Figures in US$OperatingInvestingFinancing
How to read this: the three bars show where cash moved each year. Operating is cash from the core business (you generally want this positive and growing). Investing is usually negative — money spent on assets or acquisitions. Financing shows money raised from, or returned to, lenders and shareholders. Bars above the line are cash in; bars below are cash out.
Operating Cash Flow vs Capex
Figures in US$Operating Cash FlowCapital Expenditure
How to read this: operating cash flow is the cash the business generated; capital expenditure is what it spent on long-term assets like plant and equipment. The gap between them is roughly free cash flow — the cash left over. A wide gap (operating well above capex) means the business funds its investment comfortably from its own earnings.
| Period | Operating Cash Flow | Investing Cash Flow | Financing Cash Flow | Capital Expenditure |
|---|---|---|---|---|
| FY2014 | $-542.50M | $-1.92B | $2.60B | $1.27M |
| FY2015 | $-356.65M | $-1.26B | $1.51B | $2.94M |
| FY2016 | $91.40M | $-961.53M | $870.25M | $5.43M |
| FY2017 | $62.19M | $-565.13M | $384.55M | $2.14M |
| FY2018 | $97.47M | $-104.10M | $-77.56M | $1.78M |
| FY2019 | $78.28M | $-1.44B | $1.52B | $1.52M |
| FY2020 | $133.03M | $-6.42B | $6.77B | $4.67M |
| FY2021 | $295.54M | $-1.20B | $754.78M | $613.00K |
| FY2022 | $-20.83M | $-1.30B | $1.26B | $4.05M |
| FY2023 | $124.73M | $3.16B | $108.09M | $590.00K |
| FY2024 | $145.06M | $-1.01B | $800.62M | $1.49M |
| FY2025 | $494.76M | $-2.06B | $2.19B | $13.74M |
Figures in USD. Educational data only.
Understanding these terms
Plain-English explanations of each figure in the table above, and what a beginner typically looks at. These are educational descriptions only, not advice.
- Operating Cash Flow
- Cash produced by the company's core operations during the period. The US equivalent of "Cash from Operating Activity".How a beginner reads it: A beginner uses this as a reality check on profit, since it reflects cash actually collected. Healthy, consistent operating cash flow underpins a company's ability to invest and repay debt.
- Investing Cash Flow
- Cash used for or generated by buying and selling long-term assets and investments. The US equivalent of "Cash from Investing Activity".How a beginner reads it: A beginner expects this to be negative for companies investing in growth. Reading it next to operating cash flow shows whether the business funds its investments from its own earnings.
- Financing Cash Flow
- Cash flows with lenders and shareholders — borrowing, repaying, issuing shares, buybacks, and dividends. The US equivalent of "Cash from Financing Activity".How a beginner reads it: A beginner reads this to understand whether the company is taking in money (borrowing/issuing) or paying it out (repaying/dividends), and how that fits the operating picture.
- Capital Expenditure
- Money spent on buying or upgrading long-lived assets like plant, equipment, and buildings. Often shortened to "capex".How a beginner reads it: A beginner reads capex against operating cash flow to see whether a company funds its investment from its own earnings. Operating cash flow minus capex is roughly free cash flow.