Customers Bancorp (CUBI) Financials

$50.75 -0.43 (-0.84%)

Closing price 05/23/2025 03:59 PM Eastern

Extended Trading

$50.86 +0.11 (+0.21%)

As of 05/23/2025 04:57 PM Eastern

Annual Income Statements for Customers Bancorp

This table shows Customers Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015	12/31/2014
Net Income / (Loss) Attributable to Common Shareholders	166	235	218	300	119	65	57	64	69	56	43
Consolidated Net Income / (Loss)	181	250	228	315	133	79	72	79	79	59	43
Net Income / (Loss) Continuing Operations	181	250	228	354	143	81	72	79	79	59	45
Total Pre-Tax Income	224	331	291	441	190	108	91	124	125	88	66
Total Revenue	715	758	656	763	468	308	317	346	306	224	177
Net Interest Income / (Expense)	654	687	624	685	404	277	258	267	249	196	152
Total Interest Income	1,328	1,367	885	781	543	464	418	373	323	250	190
Loans and Leases Interest Income	948	1,033	745	737	512	431	373	340	303	234	177
Investment Securities Interest Income	180	201	119	40	24	24	33	25	14	10	10
Deposits and Money Market Investments Interest Income	191	126	11	1.59	3.30	-	-	-	-	-	-
Other Interest Income	9.17	8.04	9.87	2.06	3.75	8.54	12	7.76	5.43	5.61	2.85
Total Interest Expense	673	680	262	96	140	186	160	106	73	54	39
Deposits Interest Expense	603	576	226	63	92	141	111	68	48	34	24
Short-Term Borrowings Interest Expense	52	80	11	6.21	22	27	31	21	12	6.74	5.19
Long-Term Debt Interest Expense	18	17	24	11	26	6.98	6.74	6.74	13	13	8.86
Federal Funds Purchased and Securities Sold Interest Expense	0.00	6.29	0.00	16	-	11	11	10	-	-	-
Total Non-Interest Income	60	71	32	78	64	35	59	79	56	28	25
Other Service Charges	42	29	25	33	19	7.66	25	19	22	17	15
Net Realized & Unrealized Capital Gains on Investments	-31	-6.81	-36	15	20	0.76	-17	0.09	-3.55	3.96	6.32
Other Non-Interest Income	50	48	43	30	25	22	51	59	37	7.01	3.70
Provision for Credit Losses	73	75	60	27	63	24	5.64	6.77	3.04	21	15
Total Non-Interest Expense	417	353	305	294	215	181	220	216	178	115	97
Salaries and Employee Benefits	176	133	112	108	94	80	105	96	81	59	46
Net Occupancy & Equipment Expense	77	76	99	96	62	56	56	57	37	19	17
Marketing Expense	4.49	3.10	2.54	1.52	1.80	2.69	2.45	1.47	1.55	1.48	1.18
Property & Liability Insurance Claims	0.00	4.10	0.00	0.00	-	-	-	-	-	-	-
Other Operating Expenses	127	107	68	71	41	32	48	61	58	35	33
Depreciation Expense	33	30	23	18	15	9.47	4.39	0.52	0.00	-	-
Income Tax Expense	43	81	63	87	47	26	19	45	46	30	21
Preferred Stock Dividends Declared	15	15	9.63	15	14	14	14	14	9.52	2.49	0.00
Basic Earnings per Share	$5.28	$7.49	$6.69	$9.29	$3.76	$2.08	$1.81	$2.10	$2.51	$2.09	$1.62
Weighted Average Basic Shares Outstanding	31.47M	31.48M	31.60M	32.95M	31.93M	31.38M	31.08M	31.44M	27.60M	26.84M	26.70M
Diluted Earnings per Share	$5.09	$7.32	$6.51	$8.91	$3.74	$2.05	$1.78	$1.97	$2.31	$1.96	$1.55
Weighted Average Diluted Shares Outstanding	31.47M	31.48M	31.60M	32.95M	31.93M	31.38M	31.08M	31.44M	27.60M	26.84M	26.70M
Weighted Average Basic & Diluted Shares Outstanding	31.47M	31.48M	31.60M	32.95M	31.93M	31.38M	31.08M	31.44M	27.60M	26.84M	26.70M

This table shows Customers Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Income / (Loss) Attributable to Common Shareholders	23	43	54	46	58	83	44	50	26	61
Consolidated Net Income / (Loss)	27	47	58	50	62	87	48	54	29	64
Net Income / (Loss) Continuing Operations	27	47	58	50	62	87	48	54	29	64
Total Pre-Tax Income	36	46	77	65	84	110	68	68	36	82
Total Revenue	167	167	199	182	191	218	181	168	142	150
Net Interest Income / (Expense)	168	159	168	160	173	200	165	150	135	159
Total Interest Income	330	332	334	332	346	376	330	315	270	236
Loans and Leases Interest Income	240	240	238	230	248	276	253	256	219	200
Investment Securities Interest Income	40	46	48	47	51	54	48	47	43	31
Deposits and Money Market Investments Interest Income	48	44	46	53	44	44	28	10	6.75	2.95
Other Interest Income	2.14	1.91	3.01	2.11	2.58	2.53	1.62	1.32	1.20	1.96
Total Interest Expense	162	174	166	171	173	177	165	165	135	77
Deposits Interest Expense	145	156	149	154	150	146	136	144	124	65
Long-Term Debt Interest Expense	-20	16	4.16	18	-31	29	4.23	15	-1.32	12
Federal Funds Purchased and Securities Sold Interest Expense	-15	1.61	13	0.00	-26	1.57	24	6.29	-	0.00
Total Non-Interest Income	-0.39	8.56	31	21	19	18	16	18	7.35	-9.02
Other Service Charges	14	11	8.66	8.31	7.71	7.68	7.88	6.15	6.65	5.93
Net Realized & Unrealized Capital Gains on Investments	-27	-15	10	-0.02	-0.24	-0.78	-5.80	0.00	-9.42	-25
Other Non-Interest Income	13	12	12	13	11	11	14	12	10	11
Provision for Credit Losses	21	17	18	17	14	18	24	20	28	-7.99
Total Non-Interest Expense	110	104	103	99	94	89	89	80	78	76
Salaries and Employee Benefits	47	48	45	36	34	34	33	32	29	31
Net Occupancy & Equipment Expense	17	17	19	24	19	18	19	19	22	22
Marketing Expense	1.65	0.91	1.25	0.68	0.85	0.65	0.55	1.05	1.11	0.76
Other Operating Expenses	36	31	30	30	28	29	29	20	19	16
Depreciation Expense	8.93	7.81	7.83	7.97	7.36	7.34	7.33	7.88	6.52	5.97
Income Tax Expense	8.95	-0.73	19	16	22	23	21	15	7.14	18
Preferred Stock Dividends Declared	3.65	3.81	3.79	3.80	3.87	3.80	3.57	3.46	3.09	2.55
Basic Earnings per Share	$0.74	$1.36	$1.72	$1.46	$1.85	$2.65	$1.41	$1.58	$0.81	$1.89
Weighted Average Basic Shares Outstanding	31.47M	31.35M	31.70M	31.65M	31.48M	31.41M	31.29M	31.25M	31.60M	32.52M
Diluted Earnings per Share	$0.72	$1.31	$1.66	$1.40	$1.80	$2.58	$1.39	$1.55	$0.81	$1.85
Weighted Average Diluted Shares Outstanding	31.47M	31.35M	31.70M	31.65M	31.48M	31.41M	31.29M	31.25M	31.60M	32.52M
Weighted Average Basic & Diluted Shares Outstanding	31.47M	31.35M	31.70M	31.65M	31.48M	31.41M	31.29M	31.25M	31.60M	32.52M

This table details how cash moves in and out of Customers Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015	12/31/2014
Net Change in Cash & Equivalents	-60	3,391	-62	-175	481	150	-84	-118	0.12	-106	138
Net Cash From Operating Activities	145	125	-21	296	133	41	97	62	91	67	-540
Net Cash From Continuing Operating Activities	145	125	-21	296	133	41	97	62	91	67	-540
Net Income / (Loss) Continuing Operations	181	250	228	354	143	81	72	79	79	59	45
Consolidated Net Income / (Loss)	181	250	228	354	143	-	72	79	79	59	45
Provision For Loan Losses	73	75	60	27	63	24	5.64	6.77	3.04	21	15
Depreciation Expense	34	32	27	22	19	14	14	11	5.90	4.00	3.58
Amortization Expense	-32	-102	-52	-221	-2.82	1.91	1.60	0.79	0.89	1.69	0.82
Non-Cash Adjustments to Reconcile Net Income	21	-172	-259	-37	-30	11	20	14	8.34	-13	-596
Changes in Operating Assets and Liabilities, net	-133	42	-25	150	-58	-91	-15	-49	-5.46	-5.75	-8.01
Net Cash From Investing Activities	-1,006	3,158	-1,298	-1,201	-6,425	-1,444	-104	-565	-962	-1,681	-1,922
Net Cash From Continuing Investing Activities	-1,006	3,158	-1,298	-1,201	-6,425	-1,444	-104	-565	-962	-1,681	-1,922
Purchase of Property, Leasehold Improvements and Equipment	-65	-41	-113	-33	-29	-50	-39	-24	-5.43	-2.94	-1.27
Purchase of Investment Securities	-2,132	1,449	-3,778	-60,615	-62,421	-32,950	-28,372	-32,231	-36,908	-31,483	-2,359
Sale of Property, Leasehold Improvements and Equipment	0.00	0.07	0.00	0.00	-	-	-	-	-	-	-
Sale and/or Maturity of Investments	23,339	21,807	31,559	59,443	56,025	31,556	28,306	31,691	35,954	29,801	433
Other Investing Activities, net	-22,148	-20,057	-28,966	-	-	-	0.53	-	-2.05	3.92	5.45
Net Cash From Financing Activities	801	108	1,257	755	6,773	1,517	-78	385	870	1,508	2,603
Net Cash From Continuing Financing Activities	801	108	1,257	755	6,773	1,517	-78	385	870	1,508	2,603
Net Change in Deposits	934	-238	1,379	5,468	2,661	1,507	342	-504	1,394	1,377	1,573
Issuance of Debt	155	2,565	500	-4,316	4,415	-302	0.00	842	75	25	1,034
Issuance of Common Equity	1.76	3.11	0.53	28	0.92	2.15	3.59	2.72	71	0.81	0.08
Repayment of Debt	-250	-2,165	-500	-150	0.00	-25	-427	0.00	-832	-18	-
Repurchase of Common Equity	-19	-40	-33	-28	0.00	-0.57	-13	0.00	0.00	-	0.00
Payment of Dividends	-15	-15	-9.33	-11	-14	-14	-14	-14	9.05	-2.31	0.00
Other Financing Activities, Net	-5.45	-2.43	-80	-154	-290	349	31	58	-5.57	70	0.01
Cash Interest Paid	715	650	227	108	131	183	160	102	71	51	38
Cash Income Taxes Paid	58	45	80	94	3.25	7.41	4.79	40	57	39	30

This table details how cash moves in and out of Customers Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Change in Cash & Equivalents	698	39	-653	-145	426	265	1,109	1,591	51	159
Net Cash From Operating Activities	133	24	6.08	-19	-118	136	89	18	-296	109
Net Cash From Continuing Operating Activities	133	24	6.08	-19	-118	136	89	18	-296	109
Net Income / (Loss) Continuing Operations	27	47	58	50	62	87	48	54	29	64
Consolidated Net Income / (Loss)	27	47	58	50	62	87	48	54	29	64
Provision For Loan Losses	21	17	18	17	14	18	24	20	28	-7.99
Depreciation Expense	9.09	9.75	6.46	8.25	7.59	7.66	7.74	8.83	7.13	6.70
Amortization Expense	-7.11	-3.36	-12	-9.65	-19	-77	20	-26	-4.57	-49
Non-Cash Adjustments to Reconcile Net Income	98	-27	-32	-18	-190	34	40	-56	-298	85
Changes in Operating Assets and Liabilities, net	-15	-19	-33	-66	8.01	67	-49	17	-58	10
Net Cash From Investing Activities	-261	-387	-195	-163	1,161	397	795	805	-213	15
Net Cash From Continuing Investing Activities	-261	-387	-195	-163	1,161	397	795	805	-213	15
Purchase of Property, Leasehold Improvements and Equipment	-33	-12	-16	-4.43	-21	-5.74	-13	-2.21	-26	-58
Purchase of Investment Securities	-787	-414	-612	-320	689	1,486	-1,326	600	21,090	-7,266
Sale and/or Maturity of Investments	6,211	6,148	5,882	5,098	5,164	4,198	7,536	4,909	7,689	7,339
Other Investing Activities, net	-5,652	-6,109	-5,450	-4,937	-4,671	-5,281	-5,402	-4,703	-	-
Net Cash From Financing Activities	826	402	-463	37	-616	-268	224	769	560	35
Net Cash From Continuing Financing Activities	826	402	-463	37	-616	-268	224	769	560	35
Net Change in Deposits	805	368	-281	42	-275	245	227	-436	635	578
Issuance of Common Equity	0.25	0.73	0.30	0.48	2.79	0.16	0.11	0.06	0.09	0.12
Repayment of Debt	25	-25	-250	0.00	-340	-510	-	-1,315	300	-700
Repurchase of Common Equity	-1.03	-18	-	0.00	-	-	-	-40	-5.34	-
Payment of Dividends	-3.65	-3.79	-3.91	-3.80	-3.81	-3.81	-3.56	-3.45	-2.95	-2.46
Other Financing Activities, Net	-0.30	-0.16	-3.56	-1.43	-0.00	-0.06	-0.09	-2.28	-366	-405

This table presents Customers Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015	12/31/2014
Total Assets	22,308	21,316	20,896	19,575	18,439	11,521	9,833	9,840	9,383	8,398	6,825
Cash and Due from Banks	57	45	58	35	78	33	18	20	37	54	63
Interest Bearing Deposits at Other Banks	3,729	3,801	398	483	615	179	44	126	227	211	308
Trading Account Securities	3,216	3,849	4,156	3,833	1,289	1,082	667	617	494	2,357	1,852
Loans and Leases, Net of Allowance	14,312	12,726	867	12,131	11,048	2,189	8,504	8,524	8,234	5,417	4,281
Loans and Leases	14,449	12,862	998	12,268	11,192	2,246	8,543	8,562	8,271	5,453	4,312
Allowance for Loan and Lease Losses	137	135	131	138	144	56	40	38	37	36	31
Premises and Equipment, Net	6.67	7.37	9.03	8.89	11	9.39	11	12	13	11	11
Intangible Assets	3.63	3.63	3.63	3.74	3.97	15	16	16	18	3.65	-
Other Assets	984	883	14,081	796	5,394	8,012	574	524	359	344	306
Total Liabilities & Shareholders' Equity	22,308	21,316	20,896	19,575	18,439	11,521	9,833	9,840	9,383	8,398	6,825
Total Liabilities	20,472	19,678	19,493	18,209	17,322	10,468	8,877	8,919	8,527	7,844	6,382
Non-Interest Bearing Deposits	5,608	4,422	1,885	4,460	2,357	1,343	1,122	1,052	966	409	546
Interest Bearing Deposits	13,238	13,498	16,272	12,318	8,953	7,306	6,020	5,748	6,338	5,254	3,986
Short-Term Debt	99	124	-	-	124	124	-	186	-	86	88
Long-Term Debt	1,311	1,385	1,106	1,105	5,446	1,031	1,481	1,721	1,065	1,734	1,728
Other Long-Term Liabilities	215	248	231	251	192	126	66	56	75	291	33
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	1,837	1,638	1,403	1,366	1,117	1,053	957	921	856	554	443
Total Preferred & Common Equity	1,837	1,638	1,403	1,366	1,117	1,053	957	921	856	554	443
Preferred Stock	138	138	138	138	217	217	217	217	217	56	0.00
Total Common Equity	1,699	1,501	1,265	1,228	900	835	739	703	638	498	443
Common Stock	611	600	587	577	489	477	467	454	458	390	383
Retained Earnings	1,326	1,160	924	706	439	382	317	258	194	125	68
Treasury Stock	-142	-122	-83	-49	-22	-22	-21	-8.23	-8.23	-8.23	-8.25
Accumulated Other Comprehensive Income / (Loss)	-97	-137	-163	-4.98	-5.76	-1.25	-23	-0.36	-4.89	-7.98	-0.12

This table presents Customers Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2024	Q2 2024	Q1 2024	Q3 2023	Q2 2023	Q1 2023	Q3 2022
Period end date	9/30/2024	6/30/2024	3/31/2024	9/30/2023	6/30/2023	3/31/2023	9/30/2022
Total Assets	21,456	20,943	21,347	21,857	22,029	21,752	20,368
Cash and Due from Banks	39	45	52	68	54	77	42
Interest Bearing Deposits at Other Banks	3,049	3,004	3,649	3,352	3,101	1,969	363
Trading Account Securities	3,752	3,850	3,995	4,102	4,161	4,221	3,835
Loans and Leases, Net of Allowance	13,645	13,124	12,766	13,424	13,693	13,261	13,632
Loans and Leases	13,778	13,257	12,899	13,426	13,644	13,392	13,762
Allowance for Loan and Lease Losses	133	132	133	139	140	130	130
Premises and Equipment, Net	6.73	7.02	7.25	7.79	8.03	8.58	6.61
Intangible Assets	3.63	3.63	3.63	3.63	3.63	3.63	3.63
Other Assets	961	909	875	1,037	1,196	963	916
Total Liabilities & Shareholders' Equity	21,456	20,943	21,347	21,857	22,029	21,752	20,368
Total Liabilities	19,655	19,196	19,656	20,296	20,572	20,331	18,981
Non-Interest Bearing Deposits	4,671	4,475	4,689	4,759	4,490	3,488	2,994
Interest Bearing Deposits	13,399	13,203	13,273	13,437	13,460	14,236	14,529
Long-Term Debt	1,399	1,201	1,501	1,712	2,228	2,358	805
Other Long-Term Liabilities	187	193	193	264	270	249	288
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	1,801	1,747	1,692	1,562	1,457	1,421	1,387
Total Preferred & Common Equity	1,801	1,747	1,692	1,562	1,457	1,421	1,387
Preferred Stock	138	138	138	138	138	138	138
Total Common Equity	1,663	1,609	1,558	1,424	1,319	1,283	1,249
Common Stock	607	603	603	595	591	588	584
Retained Earnings	1,303	1,260	1,206	1,101	1,018	974	899
Treasury Stock	-141	-122	-118	-122	-122	-122	-77
Accumulated Other Comprehensive Income / (Loss)	-106	-131	-132	-150	-168	-156	-156

This table displays calculated financial ratios and metrics derived from Customers Bancorp's official financial filings.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015	12/31/2014
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-5.70%	15.55%	-14.02%	63.19%	52.00%	-2.94%	-8.48%	13.20%	36.54%	26.52%	39.90%
EBITDA Growth	-13.22%	-2.26%	10.06%	17.82%	73.70%	10.74%	-21.16%	3.11%	39.50%	34.70%	29.71%
EBIT Growth	-32.16%	13.54%	-33.98%	132.51%	84.66%	12.85%	-26.50%	-0.57%	40.79%	35.08%	30.25%
NOPAT Growth	-27.45%	9.70%	-35.63%	147.67%	75.75%	13.52%	-9.06%	0.17%	34.34%	31.55%	36.21%
Net Income Growth	-27.45%	9.70%	-27.53%	137.33%	67.13%	10.65%	-9.06%	0.17%	34.34%	35.56%	32.18%
EPS Growth	-30.46%	12.44%	-26.94%	138.24%	82.44%	10.65%	-9.06%	-14.72%	17.86%	26.45%	19.23%
Operating Cash Flow Growth	16.30%	698.94%	-107.05%	121.51%	223.13%	-57.64%	56.73%	-31.96%	37.31%	112.33%	-174.79%
Free Cash Flow Firm Growth	121.21%	-304.20%	-95.83%	205.39%	-1,491.92%	-32.58%	155.76%	-255.65%	1,044.66%	94.66%	-175.70%
Invested Capital Growth	3.14%	25.48%	1.52%	-63.05%	202.94%	-9.44%	-13.81%	47.26%	-19.11%	5.09%	95.05%
Revenue Q/Q Growth	-3.22%	6.87%	-9.42%	10.25%	22.88%	-8.53%	-8.56%	9.20%	6.62%	5.71%	9.38%
EBITDA Q/Q Growth	-13.19%	14.91%	-3.60%	-13.27%	32.27%	7.24%	-22.91%	32.72%	-1.21%	3.96%	14.22%
EBIT Q/Q Growth	-17.63%	16.99%	-21.42%	7.95%	33.05%	14.03%	-26.28%	34.52%	-1.24%	3.03%	15.47%
NOPAT Q/Q Growth	-16.24%	15.40%	-24.39%	14.07%	25.40%	16.83%	-4.97%	7.06%	-1.71%	5.94%	14.06%
Net Income Q/Q Growth	-16.24%	15.40%	-23.99%	16.44%	27.65%	13.87%	-4.97%	2.32%	2.66%	8.53%	10.69%
EPS Q/Q Growth	-17.50%	13.31%	16.88%	-20.80%	31.69%	13.87%	-4.97%	2.07%	-2.94%	5.95%	13.97%
Operating Cash Flow Q/Q Growth	235.92%	336.49%	-107.03%	-11.56%	65.95%	22.19%	-25.16%	-90.44%	156.48%	116.87%	-73.31%
Free Cash Flow Firm Q/Q Growth	-80.07%	60.64%	194.46%	-18.95%	5.95%	255.54%	-35.90%	-44.83%	342.00%	-110.18%	32.07%
Invested Capital Q/Q Growth	1.46%	-7.35%	14.42%	46.29%	-4.71%	-3.71%	20.53%	6.00%	-5.03%	37.87%	1.75%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	31.61%	34.35%	40.61%	31.73%	43.95%	38.45%	33.71%	39.12%	42.95%	42.04%	39.49%
EBIT Margin	31.39%	43.63%	44.41%	57.83%	40.59%	33.41%	28.74%	35.78%	40.74%	39.51%	37.00%
Profit (Net Income) Margin	25.39%	33.00%	34.76%	41.24%	28.36%	25.79%	22.63%	22.77%	25.73%	26.15%	24.41%
Tax Burden Percent	80.88%	75.63%	78.28%	71.31%	69.87%	73.60%	78.74%	63.64%	63.17%	66.20%	65.96%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	104.89%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	19.12%	24.37%	21.72%	19.71%	24.62%	24.49%	21.26%	36.36%	36.83%	33.80%	32.03%
Return on Invested Capital (ROIC)	5.68%	8.85%	9.16%	7.74%	3.22%	3.50%	2.72%	3.32%	3.66%	2.53%	2.61%
ROIC Less NNEP Spread (ROIC-NNEP)	5.68%	8.85%	9.16%	6.55%	2.91%	3.35%	2.72%	3.32%	3.66%	2.53%	2.50%
Return on Net Nonoperating Assets (RNNOA)	4.77%	7.60%	7.31%	17.60%	9.00%	4.39%	4.91%	5.55%	7.50%	9.22%	7.81%
Return on Equity (ROE)	10.44%	16.45%	16.47%	25.34%	12.22%	7.89%	7.64%	8.87%	11.17%	11.75%	10.42%
Cash Return on Invested Capital (CROIC)	2.58%	-13.76%	7.65%	99.82%	-97.51%	13.42%	17.55%	-34.91%	24.80%	-2.43%	-61.82%
Operating Return on Assets (OROA)	1.03%	1.57%	1.44%	2.32%	1.27%	0.96%	0.93%	1.29%	1.40%	1.16%	1.19%
Return on Assets (ROA)	0.83%	1.19%	1.13%	1.66%	0.89%	0.74%	0.73%	0.82%	0.89%	0.77%	0.79%
Return on Common Equity (ROCE)	9.62%	14.96%	14.83%	21.72%	9.77%	6.19%	5.87%	6.70%	9.00%	11.10%	10.42%
Return on Equity Simple (ROE_SIMPLE)	9.88%	15.27%	16.25%	23.03%	11.87%	7.53%	7.49%	8.56%	9.20%	10.58%	9.75%
Net Operating Profit after Tax (NOPAT)	181	250	228	354	143	81	72	79	79	59	45
NOPAT Margin	25.39%	33.00%	34.76%	46.43%	30.60%	26.46%	22.63%	22.77%	25.73%	26.15%	25.15%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	1.19%	0.31%	0.16%	0.00%	0.00%	0.00%	0.00%	0.10%
SG&A Expenses to Revenue	35.99%	27.97%	32.55%	26.92%	33.77%	45.25%	51.61%	44.49%	39.02%	35.50%	36.03%
Operating Expenses to Revenue	58.34%	46.52%	46.44%	38.58%	45.98%	58.71%	69.48%	62.27%	58.27%	51.31%	54.67%
Earnings before Interest and Taxes (EBIT)	224	331	291	441	190	103	91	124	125	88	66
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	226	260	266	242	205	118	107	135	131	94	70
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.90	1.21	0.73	1.72	0.73	0.89	0.78	1.14	1.55	1.47	1.17
Price to Tangible Book Value (P/TBV)	0.90	1.21	0.73	1.73	0.73	0.91	0.80	1.17	1.59	1.48	1.18
Price to Revenue (P/Rev)	2.13	2.39	1.40	2.78	1.40	2.42	1.82	2.31	3.23	3.27	2.94
Price to Earnings (P/E)	9.17	7.69	4.22	7.06	5.52	11.50	10.07	12.44	14.26	13.05	12.04
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	10.91%	13.01%	23.70%	14.17%	18.10%	8.70%	9.93%	8.04%	7.01%	7.67%	8.31%
Enterprise Value to Invested Capital (EV/IC)	0.00	0.00	0.68	1.15	0.86	0.86	0.91	0.98	1.04	0.99	0.87
Enterprise Value to Revenue (EV/Rev)	0.00	0.00	2.61	3.73	12.30	6.20	6.98	8.03	6.55	10.46	11.10
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.00	6.41	11.75	27.99	16.11	20.72	20.51	15.25	24.88	28.11
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	5.87	6.44	30.30	18.54	24.30	22.43	16.08	26.48	30.00
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.00	7.49	8.03	40.19	23.41	30.86	35.25	25.46	40.00	44.14
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	0.00	0.00	9.62	43.09	46.15	22.70	44.68	21.93	35.20	0.00
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	8.97	0.62	0.00	6.12	4.79	0.00	3.76	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.77	0.92	0.79	0.81	4.99	1.10	1.55	2.07	1.24	3.29	4.10
Long-Term Debt to Equity	0.71	0.85	0.79	0.81	4.88	0.98	1.55	1.87	1.24	3.13	3.90
Financial Leverage	0.84	0.86	0.80	2.69	3.10	1.31	1.80	1.67	2.05	3.65	3.12
Leverage Ratio	12.55	13.88	14.61	15.31	13.81	10.63	10.48	10.82	12.61	15.27	13.23
Compound Leverage Factor	12.55	13.88	14.61	15.31	13.81	11.15	10.48	10.82	12.61	15.27	13.23
Debt to Total Capital	43.43%	47.95%	44.07%	44.71%	83.30%	52.31%	60.75%	67.44%	55.44%	76.67%	80.39%
Short-Term Debt to Total Capital	3.05%	3.93%	0.00%	0.00%	1.85%	5.60%	0.00%	6.59%	0.00%	3.64%	3.91%
Long-Term Debt to Total Capital	40.38%	44.01%	44.07%	44.71%	81.44%	46.71%	60.75%	60.84%	55.44%	73.03%	76.48%
Preferred Equity to Total Capital	4.24%	4.38%	5.49%	5.58%	3.25%	9.85%	8.92%	7.69%	11.32%	2.34%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	52.33%	47.67%	50.44%	49.71%	13.45%	37.84%	30.33%	24.87%	33.24%	20.99%	19.61%
Debt to EBITDA	6.24	5.80	4.15	4.56	27.11	9.76	13.87	14.08	8.10	19.33	25.98
Net Debt to EBITDA	-10.52	-8.98	2.44	2.42	23.74	7.97	13.28	13.00	6.09	16.52	20.67
Long-Term Debt to EBITDA	5.80	5.32	4.15	4.56	26.51	8.72	13.87	12.70	8.10	18.41	24.71
Debt to NOPAT	7.77	6.03	4.85	3.12	38.94	14.19	20.66	24.19	13.53	31.07	40.79
Net Debt to NOPAT	-13.09	-9.34	2.85	1.66	34.10	11.58	19.79	22.34	10.16	26.56	32.45
Long-Term Debt to NOPAT	7.22	5.54	4.85	3.12	38.08	12.67	20.66	21.83	13.53	29.60	38.80
Noncontrolling Interest Sharing Ratio	7.93%	9.06%	9.95%	14.31%	20.04%	21.64%	23.16%	24.48%	19.37%	5.57%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	83	-389	191	4,571	-4,337	312	462	-829	532	-56	-1,056
Operating Cash Flow to CapEx	222.52%	302.23%	-18.37%	896.91%	463.39%	82.46%	250.04%	255.33%	1,684.54%	2,265.02%	-42,518.74%
Free Cash Flow to Firm to Interest Expense	0.12	-0.57	0.73	47.71	-31.06	1.67	2.89	-7.86	7.29	-1.05	-27.44
Operating Cash Flow to Interest Expense	0.22	0.18	-0.08	3.08	0.96	0.22	0.61	0.59	1.25	1.24	-14.02
Operating Cash Flow Less CapEx to Interest Expense	0.12	0.12	-0.51	2.74	0.75	-0.05	0.37	0.36	1.18	1.19	-14.06
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.03	0.04	0.03	0.04	0.03	0.03	0.03	0.04	0.03	0.03	0.03
Fixed Asset Turnover	101.84	92.46	73.23	75.86	45.36	30.08	27.53	28.01	25.58	20.41	15.78
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	3,247	3,148	2,508	2,471	6,688	2,208	2,438	2,828	1,921	2,374	2,259
Invested Capital Turnover	0.22	0.27	0.26	0.17	0.11	0.13	0.12	0.15	0.14	0.10	0.10
Increase / (Decrease) in Invested Capital	99	639	38	-4,217	4,480	-230	-390	908	-454	115	1,101
Enterprise Value (EV)	-712	-389	1,709	2,843	5,749	1,905	2,213	2,779	2,004	2,343	1,965
Market Capitalization	1,526	1,810	921	2,119	655	746	576	801	987	732	520
Book Value per Share	$54.19	$47.77	$38.91	$37.90	$28.47	$26.67	$23.35	$22.84	$23.18	$18.54	$16.58
Tangible Book Value per Share	$54.08	$47.65	$38.80	$37.78	$28.34	$26.19	$22.82	$22.31	$22.54	$18.40	$16.44
Total Capital	3,247	3,148	2,508	2,471	6,688	2,208	2,438	2,828	1,921	2,374	2,259
Total Debt	1,410	1,509	1,106	1,105	5,570	1,155	1,481	1,907	1,065	1,820	1,816
Total Long-Term Debt	1,311	1,385	1,106	1,105	5,446	1,031	1,481	1,721	1,065	1,734	1,728
Net Debt	-2,376	-2,337	650	587	4,877	942	1,419	1,761	800	1,556	1,445
Capital Expenditures (CapEx)	65	41	113	33	29	50	39	24	5.43	2.94	1.27
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	40	10	2.06	0.00	0.00	0.00	0.00	1.32
Net Nonoperating Obligations (NNO)	1,410	1,509	1,106	1,105	5,570	1,155	1,481	1,907	1,065	1,820	1,816
Total Depreciation and Amortization (D&A)	1.58	-70	-25	-199	16	16	16	12	6.79	5.69	4.40
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$5.28	$7.49	$6.69	$9.29	$3.76	$1.82	$1.59	$1.84	$2.20	$1.83	$1.42
Adjusted Weighted Average Basic Shares Outstanding	31.47M	31.48M	31.60M	32.95M	31.93M	35.77M	35.43M	35.84M	34.73M	30.70M	30.56M
Adjusted Diluted Earnings per Share	$5.09	$7.32	$6.51	$8.91	$3.74	$1.80	$1.56	$1.73	$2.03	$1.72	$1.36
Adjusted Weighted Average Diluted Shares Outstanding	31.47M	31.48M	31.60M	32.95M	31.93M	35.77M	35.43M	35.84M	34.73M	30.70M	30.56M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$1.83	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	31.47M	31.48M	31.60M	32.95M	31.93M	35.77M	35.43M	35.84M	34.73M	30.70M	30.56M
Normalized Net Operating Profit after Tax (NOPAT)	181	250	228	354	144	81	75	79	79	59	45
Normalized NOPAT Margin	25.39%	33.00%	34.76%	46.43%	30.82%	26.46%	23.72%	22.84%	25.98%	26.15%	25.15%
Pre Tax Income Margin	31.39%	43.63%	44.41%	57.83%	40.59%	35.04%	28.74%	35.78%	40.74%	39.51%	37.00%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.33	0.49	1.11	4.61	1.36	0.55	0.57	1.17	1.71	1.65	1.70
NOPAT to Interest Expense	0.27	0.37	0.87	3.70	1.02	0.44	0.45	0.75	1.08	1.09	1.16
EBIT Less CapEx to Interest Expense	0.24	0.43	0.68	4.26	1.15	0.28	0.33	0.94	1.63	1.60	1.67
NOPAT Less CapEx to Interest Expense	0.17	0.31	0.44	3.35	0.82	0.17	0.20	0.52	1.00	1.04	1.12
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	8.35%	5.85%	4.09%	3.44%	10.62%	18.23%	20.17%	18.34%	-11.50%	3.95%	0.00%
Augmented Payout Ratio	18.95%	21.76%	18.63%	12.23%	10.62%	18.95%	38.27%	18.34%	-11.50%	3.95%	0.00%

This table displays calculated financial ratios and metrics derived from Customers Bancorp's official financial filings.

Metric	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-12.42%	-23.19%	9.61%	8.09%	34.18%	45.02%	2.07%	-9.62%	-32.37%	-38.89%
EBITDA Growth	-47.57%	28.49%	-25.29%	24.46%	87.96%	3.69%	12.16%	-50.13%	-20.58%	308.17%
EBIT Growth	-57.25%	-58.25%	12.84%	-4.26%	134.02%	34.73%	-11.87%	-28.94%	-68.90%	-46.28%
NOPAT Growth	-56.65%	-46.12%	22.09%	-7.44%	116.27%	35.74%	-18.88%	-30.02%	-71.92%	-44.92%
Net Income Growth	-56.65%	-46.12%	22.09%	-7.44%	116.27%	35.74%	-18.88%	-30.02%	-71.48%	-44.92%
EPS Growth	-60.00%	-49.22%	19.42%	-9.68%	122.22%	39.46%	-17.26%	-28.90%	331.43%	-43.08%
Operating Cash Flow Growth	212.69%	-82.07%	-93.21%	-207.30%	59.99%	24.87%	82.27%	-85.00%	-1,507.72%	836.42%
Free Cash Flow Firm Growth	87.52%	121.84%	154.19%	132.72%	-6,453.33%	-154.53%	-146.04%	-149.52%	-100.20%	-108.07%
Invested Capital Growth	3.14%	-5.81%	-19.35%	-15.51%	25.48%	54.97%	66.05%	112.01%	1.52%	29.80%
Revenue Q/Q Growth	0.20%	-15.90%	9.40%	-5.00%	-12.12%	20.01%	7.88%	17.92%	-5.02%	-15.53%
EBITDA Q/Q Growth	-27.78%	-26.95%	12.14%	-11.38%	76.99%	-57.52%	86.83%	33.82%	-2.36%	-54.06%
EBIT Q/Q Growth	-22.07%	-40.33%	17.96%	-22.07%	-23.89%	61.29%	0.08%	90.49%	-56.18%	5.50%
NOPAT Q/Q Growth	-42.42%	-19.53%	16.81%	-19.92%	-28.43%	82.36%	-11.44%	87.11%	-55.08%	8.97%
Net Income Q/Q Growth	-42.42%	-19.53%	16.81%	-19.92%	-28.43%	82.36%	-11.44%	87.11%	-55.08%	8.97%
EPS Q/Q Growth	-45.04%	-21.08%	18.57%	-22.22%	-30.23%	85.61%	-10.32%	91.36%	-56.22%	10.12%
Operating Cash Flow Q/Q Growth	446.77%	301.61%	132.28%	84.10%	-186.98%	52.12%	410.13%	105.93%	-371.42%	122.06%
Free Cash Flow Firm Q/Q Growth	-129.49%	-69.28%	25.09%	210.15%	48.40%	23.79%	24.47%	-21,961.44%	98.00%	-113.78%
Invested Capital Q/Q Growth	1.46%	4.18%	-3.80%	1.44%	-7.35%	-10.80%	0.79%	50.64%	14.42%	-4.42%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	22.60%	31.36%	36.10%	35.22%	37.76%	18.75%	52.97%	30.59%	26.96%	26.22%
EBIT Margin	21.42%	27.54%	38.81%	36.00%	43.88%	50.67%	37.70%	40.64%	25.16%	54.54%
Profit (Net Income) Margin	16.08%	27.97%	29.23%	27.38%	32.48%	39.88%	26.25%	31.97%	20.15%	42.60%
Tax Burden Percent	75.05%	101.58%	75.32%	76.06%	74.02%	78.71%	69.61%	78.67%	80.09%	78.12%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	24.95%	-1.58%	24.68%	23.94%	25.98%	21.29%	30.39%	21.33%	19.91%	21.88%
Return on Invested Capital (ROIC)	3.59%	6.26%	6.71%	6.06%	8.71%	10.12%	5.52%	7.34%	5.31%	15.90%
ROIC Less NNEP Spread (ROIC-NNEP)	3.59%	6.26%	6.71%	6.06%	8.71%	10.12%	5.52%	7.34%	5.31%	15.90%
Return on Net Nonoperating Assets (RNNOA)	3.02%	6.02%	7.70%	7.51%	7.48%	9.07%	6.47%	7.24%	4.24%	7.20%
Return on Equity (ROE)	6.61%	12.29%	14.40%	13.57%	16.19%	19.19%	11.99%	14.58%	9.55%	23.10%
Cash Return on Invested Capital (CROIC)	2.58%	12.56%	28.89%	23.87%	-13.76%	-35.36%	-43.30%	-64.43%	7.65%	-10.39%
Operating Return on Assets (OROA)	0.70%	0.94%	1.43%	1.29%	1.58%	1.70%	1.14%	1.27%	0.82%	2.00%
Return on Assets (ROA)	0.53%	0.95%	1.07%	0.98%	1.17%	1.34%	0.80%	1.00%	0.65%	1.56%
Return on Common Equity (ROCE)	6.09%	11.28%	13.16%	12.39%	14.72%	17.39%	10.81%	13.15%	8.60%	20.72%
Return on Equity Simple (ROE_SIMPLE)	0.00%	12.03%	14.69%	14.55%	0.00%	13.88%	13.31%	14.43%	0.00%	21.63%
Net Operating Profit after Tax (NOPAT)	27	47	58	50	62	87	48	54	29	64
NOPAT Margin	16.08%	27.97%	29.23%	27.38%	32.48%	39.88%	26.25%	31.97%	20.15%	42.60%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	39.16%	39.02%	32.99%	33.56%	28.26%	24.19%	29.01%	31.39%	36.90%	36.12%
Operating Expenses to Revenue	65.92%	62.25%	52.07%	54.60%	49.05%	41.12%	49.26%	47.69%	55.04%	50.79%
Earnings before Interest and Taxes (EBIT)	36	46	77	65	84	110	68	68	36	82
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	38	52	72	64	72	41	96	51	38	39
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.90	0.89	0.94	1.07	1.21	0.76	0.72	0.46	0.73	0.77
Price to Tangible Book Value (P/TBV)	0.90	0.89	0.95	1.07	1.21	0.76	0.72	0.46	0.73	0.77
Price to Revenue (P/Rev)	2.13	1.99	1.92	2.17	2.39	1.52	1.47	0.92	1.40	1.32
Price to Earnings (P/E)	9.17	7.31	6.29	7.23	7.69	5.31	5.22	3.02	4.22	5.28
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	10.91%	13.68%	15.90%	13.83%	13.01%	18.82%	19.17%	33.11%	23.70%	18.94%
Enterprise Value to Invested Capital (EV/IC)	0.00	0.00	0.00	0.00	0.00	0.00	0.07	0.27	0.68	0.68
Enterprise Value to Revenue (EV/Rev)	0.00	0.00	0.00	0.00	0.00	0.00	0.44	1.62	2.61	2.07
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.00	0.00	0.00	0.00	0.00	1.24	4.82	6.41	5.41
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	0.00	0.00	0.00	0.00	1.10	3.93	5.87	4.03
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.00	0.00	0.00	0.00	0.00	1.44	5.05	7.49	4.96
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	5.05
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	8.97	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.77	0.78	0.76	0.89	0.92	1.18	1.61	1.66	0.79	0.58
Long-Term Debt to Equity	0.71	0.78	0.69	0.89	0.85	1.10	1.53	1.66	0.79	0.58
Financial Leverage	0.84	0.96	1.15	1.24	0.86	0.90	1.17	0.99	0.80	0.45
Leverage Ratio	12.55	12.88	13.41	13.85	13.88	14.32	15.05	14.62	14.61	14.78
Compound Leverage Factor	12.55	12.88	13.41	13.85	13.88	14.32	15.05	14.62	14.61	14.78
Debt to Total Capital	43.43%	43.71%	43.13%	47.02%	47.95%	54.04%	61.75%	62.40%	44.07%	36.74%
Short-Term Debt to Total Capital	3.05%	0.00%	4.04%	0.00%	3.93%	3.64%	3.25%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	40.38%	43.71%	39.09%	47.02%	44.01%	50.39%	58.51%	62.40%	44.07%	36.74%
Preferred Equity to Total Capital	4.24%	4.31%	4.49%	4.32%	4.38%	4.06%	3.62%	3.65%	5.49%	6.29%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	52.33%	51.98%	52.39%	48.79%	47.67%	41.91%	34.63%	33.96%	50.44%	56.98%
Debt to EBITDA	6.24	5.37	5.33	5.50	5.80	8.10	10.45	10.98	4.15	2.91
Net Debt to EBITDA	-10.52	-6.49	-6.93	-8.06	-8.98	-6.99	-3.57	1.45	2.44	1.45
Long-Term Debt to EBITDA	5.80	5.37	4.83	5.50	5.32	7.55	9.90	10.98	4.15	2.91
Debt to NOPAT	7.77	6.46	5.16	6.10	6.03	8.47	12.13	11.50	4.85	2.67
Net Debt to NOPAT	-13.09	-7.80	-6.72	-8.94	-9.34	-7.31	-4.14	1.52	2.85	1.33
Long-Term Debt to NOPAT	7.22	6.46	4.68	6.10	5.54	7.90	11.49	11.50	4.85	2.67
Noncontrolling Interest Sharing Ratio	7.93%	8.20%	8.60%	8.72%	9.06%	9.35%	9.81%	9.85%	9.95%	10.32%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-72	244	795	636	-577	-1,118	-1,467	-1,943	-8.81	-439
Operating Cash Flow to CapEx	405.53%	204.10%	38.18%	-425.27%	-575.65%	2,369.86%	697.38%	795.01%	-1,139.49%	186.92%
Free Cash Flow to Firm to Interest Expense	-0.44	1.41	4.78	3.71	-3.33	-6.33	-8.90	-11.77	-0.07	-5.71
Operating Cash Flow to Interest Expense	0.82	0.14	0.04	-0.11	-0.68	0.77	0.54	0.11	-2.20	1.42
Operating Cash Flow Less CapEx to Interest Expense	0.62	0.07	-0.06	-0.14	-0.80	0.74	0.46	0.09	-2.39	0.66
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.03	0.03	0.04	0.04	0.04	0.03	0.03	0.03	0.03	0.04
Fixed Asset Turnover	101.84	101.74	104.85	97.46	92.46	98.52	86.81	75.90	73.23	87.49
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	3,247	3,200	3,072	3,193	3,148	3,397	3,809	3,779	2,508	2,192
Invested Capital Turnover	0.22	0.22	0.23	0.22	0.27	0.25	0.21	0.23	0.26	0.37
Increase / (Decrease) in Invested Capital	99	-198	-737	-586	639	1,205	1,515	1,996	38	503
Enterprise Value (EV)	-712	-79	-67	-391	-389	-368	280	1,034	1,709	1,495
Market Capitalization	1,526	1,472	1,519	1,671	1,810	1,078	946	585	921	957
Book Value per Share	$54.19	$52.48	$50.84	$49.48	$47.77	$45.50	$42.20	$40.61	$38.91	$38.49
Tangible Book Value per Share	$54.08	$52.36	$50.72	$49.36	$47.65	$45.39	$42.09	$40.49	$38.80	$38.38
Total Capital	3,247	3,200	3,072	3,193	3,148	3,397	3,809	3,779	2,508	2,192
Total Debt	1,410	1,399	1,325	1,501	1,509	1,836	2,352	2,358	1,106	805
Total Long-Term Debt	1,311	1,399	1,201	1,501	1,385	1,712	2,228	2,358	1,106	805
Net Debt	-2,376	-1,689	-1,724	-2,200	-2,337	-1,584	-803	311	650	401
Capital Expenditures (CapEx)	33	12	16	4.43	21	5.74	13	2.21	26	58
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	1,410	1,399	1,325	1,501	1,509	1,836	2,352	2,358	1,106	805
Total Depreciation and Amortization (D&A)	1.99	6.39	-5.38	-1.41	-12	-69	28	-17	2.56	-42
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.74	$1.36	$1.72	$1.46	$1.85	$2.65	$1.41	$1.58	$0.81	$1.89
Adjusted Weighted Average Basic Shares Outstanding	31.47M	31.35M	31.70M	31.65M	31.48M	31.41M	31.29M	31.25M	31.60M	32.52M
Adjusted Diluted Earnings per Share	$0.72	$1.31	$1.66	$1.40	$1.80	$2.58	$1.39	$1.55	$0.81	$1.85
Adjusted Weighted Average Diluted Shares Outstanding	31.47M	31.35M	31.70M	31.65M	31.48M	31.41M	31.29M	31.25M	31.60M	32.52M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.81	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	31.47M	31.35M	31.70M	31.65M	31.48M	31.41M	31.29M	31.25M	31.60M	32.52M
Normalized Net Operating Profit after Tax (NOPAT)	27	32	58	50	62	87	48	54	29	64
Normalized NOPAT Margin	16.08%	19.28%	29.23%	27.38%	32.48%	39.88%	26.25%	31.97%	20.15%	42.60%
Pre Tax Income Margin	21.42%	27.54%	38.81%	36.00%	43.88%	50.67%	37.70%	40.64%	25.16%	54.54%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.22	0.27	0.46	0.38	0.48	0.62	0.41	0.41	0.27	1.06
NOPAT to Interest Expense	0.17	0.27	0.35	0.29	0.36	0.49	0.29	0.33	0.21	0.83
EBIT Less CapEx to Interest Expense	0.02	0.20	0.37	0.36	0.37	0.59	0.34	0.40	0.07	0.31
NOPAT Less CapEx to Interest Expense	-0.04	0.20	0.25	0.26	0.24	0.46	0.21	0.31	0.02	0.07
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	8.35%	7.07%	5.98%	6.09%	5.85%	6.35%	6.41%	5.34%	4.09%	2.80%
Augmented Payout Ratio	18.95%	15.47%	5.98%	6.09%	21.76%	27.18%	29.69%	37.86%	18.63%	21.30%

Frequently Asked Questions About Customers Bancorp's Financials

When does Customers Bancorp's fiscal year end?

According to the most recent income statement we have on file, Customers Bancorp's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Customers Bancorp's net income changed over the last 10 years?

Customers Bancorp's net income appears to be on an upward trend, with a most recent value of $181.47 million in 2024, rising from $43.21 million in 2014. The previous period was $250.14 million in 2023. View Customers Bancorp's forecast to see where analysts expect Customers Bancorp to go next.

How has Customers Bancorp revenue changed over the last 10 years?

Over the last 10 years, Customers Bancorp's total revenue changed from $177.05 million in 2014 to $714.84 million in 2024, a change of 303.8%.

How much debt does Customers Bancorp have?

Customers Bancorp's total liabilities were at $20.47 billion at the end of 2024, a 4.0% increase from 2023, and a 220.8% increase since 2014.

How much cash does Customers Bancorp have?

In the past 10 years, Customers Bancorp's cash and equivalents has ranged from $17.70 million in 2018 to $78.09 million in 2020, and is currently $56.79 million as of their latest financial filing in 2024.

How has Customers Bancorp's book value per share changed over the last 10 years?

Over the last 10 years, Customers Bancorp's book value per share changed from 16.58 in 2014 to 54.19 in 2024, a change of 226.9%.

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This page (NYSE:CUBI) was last updated on 5/24/2025 by MarketBeat.com Staff

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