Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | $56.0M | $43.2M | $46.7M | $40.2M | — | — | — | — | — |
| Revenue growth | — | — | -22.7% | 8.1% | -14.0% | — | — | — | — | — |
| Net income | $78.7M | $78.8M | $71.7M | $79.3M | $133M | $315M | $228M | $250M | $181M | $224M |
| Net margin | — | 140.9% | 165.8% | 169.8% | 329.8% | — | — | — | — | — |
| EPS (diluted) | $2.31 | $1.97 | $1.78 | $2.05 | $3.74 | $8.91 | $6.51 | $7.32 | $5.09 | $6.26 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $91.4M | $62.2M | $97.5M | $78.3M | $133M | $296M | -$20.8M | $125M | $145M | $495M |
| Capital expenditures | $5.43M | $2.13M | $1.78M | $1.52M | $4.67M | $613K | $4.05M | $590K | $1.49M | $13.7M |
| Free cash flow | $86.0M | $60.1M | $95.7M | $76.8M | $128M | $295M | -$24.9M | $124M | $144M | $481M |
| Share buybacks | $0.00 | $0.00 | $13.0M | $571K | $0.00 | $27.7M | $33.2M | $39.8M | $19.2M | $5.64M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $265M | $146M | $62.1M | $213M | $693M | $518M | $456M | $3.85B | $3.79B | $4.41B |
| Total assets | $9.38B | $9.84B | $9.83B | $11.5B | $18.4B | $19.6B | $20.9B | $21.3B | $22.3B | $24.9B |
| Total liabilities | $8.53B | $8.92B | $8.88B | $10.5B | $17.3B | $18.2B | $19.5B | $19.7B | $20.5B | $22.8B |
| Long-term debt | $180M | — | $0.00 | $350M | $4.42B | $0.00 | — | — | — | — |
| Shareholders' equity | $856M | $921M | $957M | $1.05B | $1.12B | $1.37B | $1.40B | $1.64B | $1.84B | $2.12B |
| Retained earnings | $194M | $258M | $317M | $382M | $439M | $706M | $924M | $1.16B | $1.33B | $1.54B |
| Shares (wtd avg diluted) | 30.0M | 32.6M | 32.2M | 31.6M | 31.7M | 33.7M | 33.5M | 32.2M | 32.7M | 33.4M |
Every figure is extracted from Customers Bancorp, Inc.’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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