CUBI · Customers Bancorp, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - |
| Operating Income | $288.43M | $224.37M | $330.74M | $291.30M | $189.76M | $175.96M |
| Interest Expense | - | - | $679.91M | $261.65M | $95.81M | $139.62M |
| Income Tax | $64.34M | $42.90M | $80.60M | $63.26M | $86.94M | $43.38M |
| Net Income | $224.09M | $181.47M | $250.14M | $228.03M | $314.65M | $132.58M |
| EPS - Basic | $6.46 | $5.28 | $7.49 | $6.69 | $9.29 | $3.76 |
| EPS - Diluted | $6.26 | $5.09 | $7.32 | $6.51 | $8.91 | $3.74 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $4.41B | $3.79B | $3.85B | $455.81M | $518.03M | $693.35M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $24.90B | $22.31B | $21.32B | $20.90B | $19.58B | $18.44B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | $0 | $4.42B |
| Total Liabilities | $22.78B | $20.47B | $19.68B | $19.49B | $18.21B | $17.32B |
| Stockholders' Equity | $2.12B | $1.84B | $1.64B | $1.40B | $1.37B | $1.12B |
| Retained Earnings | $1.54B | $1.33B | $1.16B | $924.13M | $705.73M | $438.58M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $494.76M | $145.06M | $124.73M | ($20.82M) | $133.42M | $133.03M |
| Investing Cash Flow | ($2.06B) | ($1.01B) | ($1.20B) | ($1.30B) | ($6.42B) | ($6.42B) |
| Financing Cash Flow | $2.19B | $800.62M | $754.77M | $1.26B | $6.77B | $6.77B |
| CapEx | $13.74M | $1.49M | $590.0K | $4.05M | $613.0K | $4.74M |
| Free Cash Flow | $481.02M | $143.57M | $124.14M | ($24.87M) | $132.81M | $128.28M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | 2.15 | 0.79 | 0.50 | -0.11 | 0.42 | 0.97 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 22.3% | 19.1% | 24.4% | 21.7% | 21.6% | 24.7% |
| Return on assets | 0.9% | 0.8% | 1.2% | 1.1% | 1.6% | 0.7% |
| Return on equity | 10.6% | 9.9% | 15.3% | 16.3% | 23.0% | 11.9% |
| Return on invested capital | - | - | - | - | 10.9% | 2.4% |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | 0.00 | 3.95 |
| Debt / Assets | - | - | - | - | 0.00 | 0.24 |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | - | - | 0.5x | 1.1x | 2.0x | 1.3x |
| Equity multiplier | 11.77 | 12.15 | 13.01 | 14.89 | 14.33 | 16.51 |
| Liabilities / Assets | 0.92 | 0.92 | 0.92 | 0.93 | 0.93 | 0.94 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 11.7x | 9.6x | 7.9x | 4.4x | 7.3x | 4.9x |
| P / B | 1.2x | 0.9x | 1.1x | 0.7x | 1.6x | 0.5x |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 28.5% | -32.2% | 13.5% | 53.5% | 7.8% | 93.2% |
| Net income growth (YoY) | 23.5% | -27.5% | 9.7% | -27.5% | 137.3% | 67.1% |
| EPS growth (YoY) | 23.0% | -30.5% | 12.4% | -26.9% | 138.2% | 82.4% |
| EPS CAGR (3y) | -1.3% | -17.0% | 25.1% | 47.0% | 71.1% | 23.8% |
| EPS CAGR (5y) | 10.9% | 19.9% | 32.7% | 27.0% | 31.0% | 13.8% |
| FCF growth (YoY) | 235.1% | 15.6% | - | - | 3.5% | 67.5% |
| FCF CAGR (5y) | 30.3% | 13.4% | 6.7% | - | - | - |
| Book value growth (YoY) | 15.2% | 12.1% | 16.8% | 2.7% | 22.3% | 6.1% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
4/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✗No share dilution
- -Gross margin improved
- -Asset turnover improved
Peer comparison
Same SIC group: State Commercial Banks
Comparing Customers Bancorp against the 5 most active filers in the same SIC group.