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Customers Bancorp (CUBI) Financials

Customers Bancorp logo
$80.81 +1.17 (+1.47%)
As of 09/4/2026 03:58 PM Eastern
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Annual Income Statements for Customers Bancorp

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 56 69 64 57 65 119 300 218 235 166 209
Consolidated Net Income / (Loss)		 59 79 79 72 79 133 315 228 250 181 224
Net Income / (Loss) Continuing Operations		 59 79 79 72 81 143 354 228 250 181 224
Total Pre-Tax Income 		88 125 124 91 108 190 441 291 331 224 288
Total Revenue		 224 306 346 317 308 468 763 656 758 715 818
Net Interest Income / (Expense)		 196 249 267 258 277 404 685 624 687 654 750
Total Interest Income		 250 323 373 418 464 543 781 885 1,367 1,328 1,360
Loans and Leases Interest Income		 234 303 340 373 431 512 737 745 1,033 948 1,034
Investment Securities Interest Income		 10 14 25 33 24 24 40 119 201 180 140
Deposits and Money Market Investments Interest Income		 - - - - - 3.30 1.59 11 126 191 177
Other Interest Income		 5.61 5.43 7.76 12 8.54 3.75 2.06 9.87 8.04 9.17 8.06
Total Interest Expense		 54 73 106 160 186 140 96 262 680 673 609
Deposits Interest Expense		 34 48 68 111 141 92 63 226 576 603 539
Short-Term Borrowings Interest Expense		 6.74 12 21 31 27 22 6.21 11 80 52 52
Long-Term Debt Interest Expense		 13 13 6.74 6.74 6.98 26 11 24 11 12 13
Federal Funds Purchased and Securities Sold Interest Expense		 - - 10 11 11 - 16 0.00 13 5.70 4.97
Total Non-Interest Income		 28 56 79 59 35 64 78 32 71 60 68
Other Service Charges		 17 22 19 25 7.66 19 33 25 29 42 62
Net Realized & Unrealized Capital Gains on Investments		 3.96 -3.55 0.09 -17 0.76 20 15 -36 -6.81 -31 -53
Other Non-Interest Income		 7.01 37 59 51 22 25 30 43 48 50 59
Provision for Credit Losses		 21 3.04 6.77 5.64 24 63 27 60 75 73 98
Total Non-Interest Expense		 115 178 216 220 181 215 294 305 353 417 432
Salaries and Employee Benefits		 59 81 96 105 80 94 108 112 133 176 189
Net Occupancy & Equipment Expense		 19 37 57 56 56 62 96 99 76 77 59
Marketing Expense		 1.48 1.55 1.47 2.45 2.69 1.80 1.52 2.54 3.10 4.49 2.44
Property & Liability Insurance Claims		 - - - - - - 0.00 0.00 4.10 0.00 0.00
Other Operating Expenses		 35 58 61 48 32 41 71 68 107 127 143
Depreciation Expense		 - 0.00 0.52 4.39 9.47 15 18 23 30 33 38
Income Tax Expense		 30 46 45 19 26 47 87 63 81 43 64
Preferred Stock Dividends Declared		 2.49 9.52 14 14 14 14 15 9.63 15 15 15
Basic Earnings per Share		 $2.09 $2.51 $2.10 $1.81 $2.08 $3.76 $9.29 $6.69 $7.49 $5.28 $6.46
Weighted Average Basic Shares Outstanding		 26.84M 27.60M 31.44M 31.08M 31.38M 31.93M 32.95M 31.60M 31.48M 31.47M 34.21M
Diluted Earnings per Share		 $1.96 $2.31 $1.97 $1.78 $2.05 $3.74 $8.91 $6.51 $7.32 $5.09 $6.26
Weighted Average Diluted Shares Outstanding		 26.84M 27.60M 31.44M 31.08M 31.38M 31.93M 32.95M 31.60M 31.48M 31.47M 34.21M
Weighted Average Basic & Diluted Shares Outstanding		 26.84M 27.60M 31.44M 31.08M 31.38M 31.93M 32.95M 31.60M 31.48M 31.47M 34.21M

Quarterly Income Statements for Customers Bancorp

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 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 58 46 54 43 23 9.52 56 74 70 70 72
Consolidated Net Income / (Loss)		 62 50 58 47 27 13 61 76 74 70 72
Net Income / (Loss) Continuing Operations		 62 50 58 47 27 13 61 76 74 70 72
Total Pre-Tax Income 		84 65 77 46 36 12 79 100 97 90 89
Total Revenue		 191 182 199 167 167 143 206 232 237 226 227
Net Interest Income / (Expense)		 173 160 168 159 168 167 177 202 204 191 193
Total Interest Income		 346 332 334 332 330 315 328 361 355 336 345
Loans and Leases Interest Income		 248 230 238 240 240 236 249 274 276 260 270
Investment Securities Interest Income		 51 47 48 46 40 34 37 36 32 32 35
Deposits and Money Market Investments Interest Income		 44 53 46 44 48 43 40 50 45 42 38
Other Interest Income		 2.58 2.11 3.01 1.91 2.14 1.89 1.97 2.03 2.17 2.37 2.39
Total Interest Expense		 173 171 166 174 162 147 151 160 151 145 151
Deposits Interest Expense		 150 154 149 156 145 131 134 142 132 126 130
Short-Term Borrowings Interest Expense		 - 13 13 13 - 12 13 13 14 13 17
Long-Term Debt Interest Expense		 -31 2.69 2.73 3.54 -20 4.35 4.54 3.25 3.36 5.89 3.79
Federal Funds Purchased and Securities Sold Interest Expense		 -26 1.49 1.43 1.61 -15 0.00 0.00 1.39 1.13 0.01 0.10
Total Non-Interest Income		 19 21 31 8.56 -0.39 -24 30 30 33 34 34
Other Service Charges		 7.71 8.31 8.66 11 14 11 18 16 16 14 15
Net Realized & Unrealized Capital Gains on Investments		 -0.24 -0.02 10 -15 -27 0.00 -1.80 0.19 -0.09 1.40 1.22
Other Non-Interest Income		 11 13 12 12 13 -36 13 14 16 19 18
Provision for Credit Losses		 14 17 18 17 21 28 21 27 22 23 23
Total Non-Interest Expense		 94 99 103 104 110 103 107 105 117 112 115
Salaries and Employee Benefits		 34 36 45 48 47 43 46 49 52 51 56
Net Occupancy & Equipment Expense		 19 24 19 17 17 15 14 15 16 16 16
Marketing Expense		 0.85 0.68 1.25 0.91 1.65 0.53 0.46 0.64 0.81 0.55 0.48
Other Operating Expenses		 28 30 30 31 36 36 38 32 37 32 29
Depreciation Expense		 7.36 7.97 7.83 7.81 8.93 8.46 8.74 9.46 12 13 13
Income Tax Expense		 22 16 19 -0.73 8.95 -1.02 18 25 23 21 18
Preferred Stock Dividends Declared		 3.87 3.80 3.79 3.81 3.65 3.39 5.09 2.02 4.40 0.00 0.00
Basic Earnings per Share		 $1.85 $1.46 $1.72 $1.36 $0.74 $0.30 $1.77 $2.28 $2.11 $2.04 $2.12
Weighted Average Basic Shares Outstanding		 31.48M 31.65M 31.70M 31.35M 31.47M 31.59M 31.62M 34.17M 34.21M 33.83M 33.78M
Diluted Earnings per Share		 $1.80 $1.40 $1.66 $1.31 $0.72 $0.29 $1.73 $2.20 $2.04 $1.97 $2.05
Weighted Average Diluted Shares Outstanding		 31.48M 31.65M 31.70M 31.35M 31.47M 31.59M 31.62M 34.17M 34.21M 33.83M 33.78M
Weighted Average Basic & Diluted Shares Outstanding		 31.48M 31.65M 31.70M 31.35M 31.47M 31.59M 31.62M 34.17M 34.21M 33.83M 33.78M

Annual Cash Flow Statements for Customers Bancorp

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -106 0.12 -118 -84 150 481 -175 -62 3,391 -60 626
Net Cash From Operating Activities		 67 91 62 97 41 133 296 -21 125 145 495
Net Cash From Continuing Operating Activities		 67 91 62 97 41 133 296 -21 125 145 495
Net Income / (Loss) Continuing Operations		 59 79 79 72 81 143 354 228 250 181 224
Consolidated Net Income / (Loss)		 59 79 79 72 - 143 354 228 250 181 224
Provision For Loan Losses		 21 3.04 6.77 5.64 24 63 27 60 75 73 98
Depreciation Expense		 4.00 5.90 11 14 14 19 22 27 32 34 42
Amortization Expense		 1.69 0.89 0.79 1.60 1.91 -2.82 -221 -52 -102 -32 -46
Non-Cash Adjustments to Reconcile Net Income		 -13 8.34 14 20 11 -30 -37 -259 -172 21 122
Changes in Operating Assets and Liabilities, net		 -5.75 -5.46 -49 -15 -91 -58 150 -25 42 -133 55
Net Cash From Investing Activities		 -1,681 -962 -565 -104 -1,444 -6,425 -1,201 -1,298 3,158 -1,006 -2,057
Net Cash From Continuing Investing Activities		 -1,681 -962 -565 -104 -1,444 -6,425 -1,201 -1,298 3,158 -1,006 -2,057
Purchase of Property, Leasehold Improvements and Equipment		 -2.94 -5.43 -24 -39 -50 -29 -33 -113 -41 -65 -161
Purchase of Investment Securities		 -31,483 -36,908 -32,231 -28,372 -32,950 -62,421 -60,615 -3,778 1,449 -2,132 -2,953
Sale of Property, Leasehold Improvements and Equipment		 - - - - - - 0.00 0.00 0.07 0.00 0.02
Sale and/or Maturity of Investments		 29,801 35,954 31,691 28,306 31,556 56,025 59,443 31,559 21,807 23,339 27,995
Other Investing Activities, net		 3.92 -2.05 - 0.53 - - - -28,966 -20,057 -22,148 -26,939
Net Cash From Financing Activities		 1,508 870 385 -78 1,517 6,773 755 1,257 108 801 2,188
Net Cash From Continuing Financing Activities		 1,508 870 385 -78 1,517 6,773 755 1,257 108 801 2,188
Net Change in Deposits		 1,377 1,394 -504 342 1,507 2,661 5,468 1,379 -238 934 1,906
Issuance of Debt		 25 75 842 0.00 -302 4,415 -4,316 500 2,565 155 588
Issuance of Common Equity		 0.81 71 2.72 3.59 2.15 0.92 28 0.53 3.11 1.76 166
Repayment of Debt		 -18 -832 0.00 -427 -25 0.00 -150 -500 -2,165 -250 -300
Repurchase of Preferred Equity		 - - - - 0.00 0.00 -82 - 0.00 0.00 -143
Repurchase of Common Equity		 - 0.00 0.00 -13 -0.57 0.00 -28 -33 -40 -19 -5.64
Payment of Dividends		 -2.31 9.05 -14 -14 -14 -14 -11 -9.33 -15 -15 -11
Other Financing Activities, Net		 70 -5.57 58 31 349 -290 -154 -80 -2.43 -5.45 -14
Cash Interest Paid		 51 71 102 160 183 131 108 227 650 715 601
Cash Income Taxes Paid		 39 57 40 4.79 7.41 3.25 94 80 45 58 36

Quarterly Cash Flow Statements for Customers Bancorp

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 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Change in Cash & Equivalents		 426 -145 -653 39 698 -357 75 682 226 387 -619
Net Cash From Operating Activities		 -118 -19 6.08 24 133 94 162 117 122 35 107
Net Cash From Continuing Operating Activities		 -118 -19 6.08 24 133 94 162 117 122 35 107
Net Income / (Loss) Continuing Operations		 62 50 58 47 27 13 61 76 74 70 72
Consolidated Net Income / (Loss)		 62 50 58 47 27 13 61 76 74 70 72
Provision For Loan Losses		 14 17 18 17 21 28 21 27 22 23 23
Depreciation Expense		 7.59 8.25 6.46 9.75 9.09 16 12 1.90 13 14 14
Amortization Expense		 -19 -2.29 -12 -3.36 -7.11 -5.09 -8.30 -18 -15 -8.26 -7.16
Non-Cash Adjustments to Reconcile Net Income		 -190 -26 -32 -27 98 52 37 17 15 19 12
Changes in Operating Assets and Liabilities, net		 8.01 -66 -33 -19 -15 -9.94 40 13 12 -83 -5.88
Net Cash From Investing Activities		 1,161 -163 -195 -387 -261 -500 -119 -1,026 -412 -626 -1,297
Net Cash From Continuing Investing Activities		 1,161 -163 -195 -387 -261 -500 -119 -1,026 -412 -626 -1,297
Purchase of Property, Leasehold Improvements and Equipment		 -21 -4.43 -16 -12 -33 -17 -23 -59 -61 -4.95 -26
Purchase of Investment Securities		 689 -320 -612 -414 -787 -616 -553 -1,265 -518 -749 -1,617
Sale and/or Maturity of Investments		 5,164 5,098 5,882 6,148 6,211 5,462 7,291 7,401 7,841 7,463 7,832
Other Investing Activities, net		 -4,671 -4,937 -5,450 -6,109 -5,652 -5,329 -6,833 -7,103 -7,674 -7,335 -7,485
Net Cash From Financing Activities		 -616 37 -463 402 826 49 32 1,591 516 978 570
Net Cash From Continuing Financing Activities		 -616 37 -463 402 826 49 32 1,591 516 978 570
Net Change in Deposits		 -275 42 -281 368 805 67 35 1,428 376 824 153
Issuance of Debt		 - 0.00 75 80 - 100 60 150 278 420 500
Issuance of Common Equity		 2.79 0.48 0.30 0.73 0.25 0.65 0.49 165 -0.04 0.25 0.42
Repurchase of Common Equity		 - 0.00 - -18 -1.03 -5.64 - - - -43 -6.65
Other Financing Activities, Net		 -0.00 -1.43 -3.56 -0.16 -0.30 -9.82 -2.47 -0.25 -0.97 66 -77

Annual Balance Sheets for Customers Bancorp

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 8,398 9,383 9,840 9,833 11,521 18,439 19,575 20,896 21,316 22,308 24,896
Cash and Due from Banks		 54 37 20 18 33 78 35 58 45 57 62
Interest Bearing Deposits at Other Banks		 211 227 126 44 179 615 483 398 3,801 3,729 4,349
Trading Account Securities		 2,357 494 617 667 1,082 1,289 3,833 4,156 3,849 3,216 2,693
Loans and Leases, Net of Allowance		 5,417 8,234 8,524 8,504 2,189 11,048 12,131 867 12,726 14,312 16,499
Loans and Leases		 5,453 8,271 8,562 8,543 2,246 11,192 12,268 998 12,862 14,449 16,654
Allowance for Loan and Lease Losses		 36 37 38 40 56 144 138 131 135 137 156
Premises and Equipment, Net		 11 13 12 11 9.39 11 8.89 9.03 7.37 6.67 17
Intangible Assets		 3.65 18 16 16 15 3.97 3.74 3.63 3.63 3.63 3.63
Other Assets		 344 359 524 574 8,012 5,394 796 14,081 883 984 1,272
Total Liabilities & Shareholders' Equity		 8,398 9,383 9,840 9,833 11,521 18,439 19,575 20,896 21,316 22,308 24,896
Total Liabilities		 7,844 8,527 8,919 8,877 10,468 17,322 18,209 19,493 19,678 20,472 22,780
Non-Interest Bearing Deposits		 409 966 1,052 1,122 1,343 2,357 4,460 1,885 4,422 5,608 6,304
Interest Bearing Deposits		 5,254 6,338 5,748 6,020 7,306 8,953 12,318 16,272 13,498 13,238 14,475
Short-Term Debt		 86 - 186 - 124 124 - - 124 99 99
Long-Term Debt		 1,734 1,065 1,721 1,481 1,031 5,446 1,105 1,106 1,385 1,311 1,606
Other Long-Term Liabilities		 291 75 56 66 126 192 251 231 248 215 296
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		 554 856 921 957 1,053 1,117 1,366 1,403 1,638 1,837 2,116
Total Preferred & Common Equity		 554 856 921 957 1,053 1,117 1,366 1,403 1,638 1,837 2,116
Total Common Equity		 498 638 703 739 835 900 1,228 1,265 1,501 1,699 2,116
Common Stock		 390 458 454 467 477 489 577 587 600 611 703
Retained Earnings		 125 194 258 317 382 439 706 924 1,160 1,326 1,535
Treasury Stock		 -8.23 -8.23 -8.23 -21 -22 -22 -49 -83 -122 -142 -69
Accumulated Other Comprehensive Income / (Loss)		 -7.98 -4.89 -0.36 -23 -1.25 -5.76 -4.98 -163 -137 -97 -54

Quarterly Balance Sheets for Customers Bancorp

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 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026 6/30/2026
Total Assets		 21,752 22,029 21,857 21,347 20,943 21,456 22,423 22,551 24,260 25,881 26,521
Cash and Due from Banks		 77 54 68 52 45 39 62 73 58 89 86
Interest Bearing Deposits at Other Banks		 1,969 3,101 3,352 3,649 3,004 3,049 3,367 3,431 4,128 4,709 4,093
Trading Account Securities		 4,221 4,161 4,102 3,995 3,850 3,752 3,033 2,763 2,843 2,677 3,317
Loans and Leases, Net of Allowance		 13,261 13,693 13,424 12,766 13,124 13,645 14,781 15,109 16,009 17,117 17,708
Loans and Leases		 13,392 13,644 13,426 12,899 13,257 13,778 14,922 15,256 16,161 17,278 17,872
Allowance for Loan and Lease Losses		 130 140 139 133 132 133 141 147 152 161 164
Premises and Equipment, Net		 8.58 8.03 7.79 7.25 7.02 6.73 6.65 5.98 15 16 20
Intangible Assets		 3.63 3.63 3.63 3.63 3.63 3.63 3.63 3.63 3.63 3.63 3.63
Other Assets		 963 1,196 1,037 875 909 961 1,170 1,166 1,204 1,269 1,294
Total Liabilities & Shareholders' Equity		 21,752 22,029 21,857 21,347 20,943 21,456 22,423 22,551 24,260 25,881 26,521
Total Liabilities		 20,331 20,572 20,296 19,656 19,196 19,655 20,558 20,687 22,134 23,736 24,315
Non-Interest Bearing Deposits		 3,488 4,490 4,759 4,689 4,475 4,671 5,553 5,481 6,381 6,740 6,914
Interest Bearing Deposits		 14,236 13,460 13,437 13,273 13,203 13,399 13,380 13,495 14,024 14,853 14,819
Short-Term Debt		 - 124 124 - 124 - - 99 99 99 99
Long-Term Debt		 2,358 2,228 1,712 1,501 1,201 1,399 1,415 1,378 1,378 1,733 2,231
Other Long-Term Liabilities		 249 270 264 193 193 187 210 234 252 241 252
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		 1,421 1,457 1,562 1,692 1,747 1,801 1,865 1,864 2,126 2,144 2,206
Total Preferred & Common Equity		 1,421 1,457 1,562 1,692 1,747 1,801 1,865 1,864 2,126 2,144 2,206
Total Common Equity		 1,283 1,319 1,424 1,558 1,609 1,663 1,727 1,781 2,044 2,144 2,206
Common Stock		 588 591 595 603 603 607 606 609 698 705 706
Retained Earnings		 974 1,018 1,101 1,206 1,260 1,303 1,336 1,391 1,465 1,605 1,676
Treasury Stock		 -122 -122 -122 -118 -122 -141 -147 -147 -69 -111 -118
Accumulated Other Comprehensive Income / (Loss)		 -156 -168 -150 -132 -131 -106 -68 -71 -51 -55 -58

Annual Metrics And Ratios for Customers Bancorp

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

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 - - - - - - - - - - 34,168,077.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 34,168,077.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 6.56
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 26.52% 36.54% 13.20% -8.48% -2.94% 52.00% 63.19% -14.02% 15.55% -5.70% 14.48%
EBITDA Growth		 34.70% 39.50% 3.11% -21.16% 10.74% 73.70% 17.82% 10.06% -2.26% -13.22% 25.64%
EBIT Growth		 35.08% 40.79% -0.57% -26.50% 12.85% 84.66% 132.51% -33.98% 13.54% -32.16% 28.55%
NOPAT Growth		 31.55% 34.34% 0.17% -9.06% 13.52% 75.75% 147.67% -35.63% 9.70% -27.45% 23.49%
Net Income Growth		 35.56% 34.34% 0.17% -9.06% 10.65% 67.13% 137.33% -27.53% 9.70% -27.45% 23.49%
EPS Growth		 26.45% 17.86% -14.72% -9.06% 10.65% 82.44% 138.24% -26.94% 12.44% -30.46% 22.99%
Operating Cash Flow Growth		 112.33% 37.31% -31.96% 56.73% -57.64% 223.13% 121.51% -107.05% 698.94% 16.30% 241.08%
Free Cash Flow Firm Growth		 94.66% 1,044.66% -255.65% 155.76% -32.58% -1,491.92% 205.39% -95.83% -304.20% 121.21% -524.39%
Invested Capital Growth		 5.09% -19.11% 47.26% -13.81% -9.44% 202.94% -63.05% 1.52% 25.48% 3.14% 17.69%
Revenue Q/Q Growth		 5.71% 6.62% 9.20% -8.56% -8.53% 22.88% 10.25% -9.42% 6.87% -3.22% 9.28%
EBITDA Q/Q Growth		 3.96% -1.21% 32.72% -22.91% 7.24% 32.27% -13.27% -3.60% 14.91% -13.19% 38.04%
EBIT Q/Q Growth		 3.03% -1.24% 34.52% -26.28% 14.03% 33.05% 7.95% -21.42% 16.99% -17.63% 27.07%
NOPAT Q/Q Growth		 5.94% -1.71% 7.06% -4.97% 16.83% 25.40% 14.07% -24.39% 15.40% -16.24% 26.95%
Net Income Q/Q Growth		 8.53% 2.66% 2.32% -4.97% 13.87% 27.65% 16.44% -23.99% 15.40% -16.24% 26.95%
EPS Q/Q Growth		 5.95% -2.94% 2.07% -4.97% 13.87% 31.69% -20.80% 16.88% 13.31% -17.50% 26.72%
Operating Cash Flow Q/Q Growth		 116.87% 156.48% -90.44% -25.16% 22.19% 65.95% -11.56% -107.03% 336.49% 235.92% -2.34%
Free Cash Flow Firm Q/Q Growth		 -110.18% 342.00% -44.83% -35.90% 255.54% 5.95% -18.95% 194.46% 60.64% -80.07% -54.29%
Invested Capital Q/Q Growth		 37.87% -5.03% 6.00% 20.53% -3.71% -4.71% 46.29% 14.42% -7.35% 1.46% 6.04%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 42.04% 42.95% 39.12% 33.71% 38.45% 43.95% 31.73% 40.61% 34.35% 31.61% 34.69%
EBIT Margin		 39.51% 40.74% 35.78% 28.74% 33.41% 40.59% 57.83% 44.41% 43.63% 31.39% 35.25%
Profit (Net Income) Margin		 26.15% 25.73% 22.77% 22.63% 25.79% 28.36% 41.24% 34.76% 33.00% 25.39% 27.38%
Tax Burden Percent		 66.20% 63.17% 63.64% 78.74% 73.60% 69.87% 71.31% 78.28% 75.63% 80.88% 77.69%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 104.89% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 33.80% 36.83% 36.36% 21.26% 24.49% 24.62% 19.71% 21.72% 24.37% 19.12% 22.31%
Return on Invested Capital (ROIC)		 2.53% 3.66% 3.32% 2.72% 3.50% 3.22% 7.74% 9.16% 8.85% 5.68% 6.34%
ROIC Less NNEP Spread (ROIC-NNEP)		 2.53% 3.66% 3.32% 2.72% 3.35% 2.91% 6.55% 9.16% 8.85% 5.68% 6.34%
Return on Net Nonoperating Assets (RNNOA)		 9.22% 7.50% 5.55% 4.91% 4.39% 9.00% 17.60% 7.31% 7.60% 4.77% 5.00%
Return on Equity (ROE)		 11.75% 11.17% 8.87% 7.64% 7.89% 12.22% 25.34% 16.47% 16.45% 10.44% 11.34%
Cash Return on Invested Capital (CROIC)		 -2.43% 24.80% -34.91% 17.55% 13.42% -97.51% 99.82% 7.65% -13.76% 2.58% -9.91%
Operating Return on Assets (OROA)		 1.16% 1.40% 1.29% 0.93% 0.96% 1.27% 2.32% 1.44% 1.57% 1.03% 1.22%
Return on Assets (ROA)		 0.77% 0.89% 0.82% 0.73% 0.74% 0.89% 1.66% 1.13% 1.19% 0.83% 0.95%
Return on Common Equity (ROCE)		 11.10% 9.00% 6.70% 5.87% 6.19% 9.77% 21.72% 14.83% 14.96% 9.62% 10.94%
Return on Equity Simple (ROE_SIMPLE)		 10.58% 9.20% 8.56% 7.49% 7.53% 11.87% 23.03% 16.25% 15.27% 9.88% 10.59%
Net Operating Profit after Tax (NOPAT)		 59 79 79 72 81 143 354 228 250 181 224
NOPAT Margin		 26.15% 25.73% 22.77% 22.63% 26.46% 30.60% 46.43% 34.76% 33.00% 25.39% 27.38%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.16% 0.31% 1.19% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 35.50% 39.02% 44.49% 51.61% 45.25% 33.77% 26.92% 32.55% 27.97% 35.99% 30.62%
Operating Expenses to Revenue		 51.31% 58.27% 62.27% 69.48% 58.71% 45.98% 38.58% 46.44% 46.52% 58.34% 52.78%
Earnings before Interest and Taxes (EBIT)		 88 125 124 91 103 190 441 291 331 224 288
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 94 131 135 107 118 205 242 266 260 226 284
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.47 1.55 1.14 0.78 0.89 0.73 1.72 0.73 1.21 0.90 1.18
Price to Tangible Book Value (P/TBV)		 1.48 1.59 1.17 0.80 0.91 0.73 1.73 0.73 1.21 0.90 1.18
Price to Revenue (P/Rev)		 3.27 3.23 2.31 1.82 2.42 1.40 2.78 1.40 2.39 2.13 3.05
Price to Earnings (P/E)		 13.05 14.26 12.44 10.07 11.50 5.52 7.06 4.22 7.69 9.17 11.94
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		 7.67% 7.01% 8.04% 9.93% 8.70% 18.10% 14.17% 23.70% 13.01% 10.91% 8.37%
Enterprise Value to Invested Capital (EV/IC)		 0.99 1.04 0.98 0.91 0.86 0.86 1.15 0.68 0.00 0.00 0.00
Enterprise Value to Revenue (EV/Rev)		 10.46 6.55 8.03 6.98 6.20 12.30 3.73 2.61 0.00 0.00 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 24.88 15.25 20.51 20.72 16.11 27.99 11.75 6.41 0.00 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)		 26.48 16.08 22.43 24.30 18.54 30.30 6.44 5.87 0.00 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 40.00 25.46 35.25 30.86 23.41 40.19 8.03 7.49 0.00 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 35.20 21.93 44.68 22.70 46.15 43.09 9.62 0.00 0.00 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 3.76 0.00 4.79 6.12 0.00 0.62 8.97 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 3.29 1.24 2.07 1.55 1.10 4.99 0.81 0.79 0.92 0.77 0.81
Long-Term Debt to Equity		 3.13 1.24 1.87 1.55 0.98 4.88 0.81 0.79 0.85 0.71 0.76
Financial Leverage		 3.65 2.05 1.67 1.80 1.31 3.10 2.69 0.80 0.86 0.84 0.79
Leverage Ratio		 15.27 12.61 10.82 10.48 10.63 13.81 15.31 14.61 13.88 12.55 11.94
Compound Leverage Factor		 15.27 12.61 10.82 10.48 11.15 13.81 15.31 14.61 13.88 12.55 11.94
Debt to Total Capital		 76.67% 55.44% 67.44% 60.75% 52.31% 83.30% 44.71% 44.07% 47.95% 43.43% 44.63%
Short-Term Debt to Total Capital		 3.64% 0.00% 6.59% 0.00% 5.60% 1.85% 0.00% 0.00% 3.93% 3.05% 2.60%
Long-Term Debt to Total Capital		 73.03% 55.44% 60.84% 60.75% 46.71% 81.44% 44.71% 44.07% 44.01% 40.38% 42.04%
Preferred Equity to Total Capital		 2.34% 11.32% 7.69% 8.92% 9.85% 3.25% 5.58% 5.49% 4.38% 4.24% 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		 20.99% 33.24% 24.87% 30.33% 37.84% 13.45% 49.71% 50.44% 47.67% 52.33% 55.37%
Debt to EBITDA		 19.33 8.10 14.08 13.87 9.76 27.11 4.56 4.15 5.80 6.24 6.01
Net Debt to EBITDA		 16.52 6.09 13.00 13.28 7.97 23.74 2.42 2.44 -8.98 -10.52 -9.53
Long-Term Debt to EBITDA		 18.41 8.10 12.70 13.87 8.72 26.51 4.56 4.15 5.32 5.80 5.66
Debt to NOPAT		 31.07 13.53 24.19 20.66 14.19 38.94 3.12 4.85 6.03 7.77 7.61
Net Debt to NOPAT		 26.56 10.16 22.34 19.79 11.58 34.10 1.66 2.85 -9.34 -13.09 -12.08
Long-Term Debt to NOPAT		 29.60 13.53 21.83 20.66 12.67 38.08 3.12 4.85 5.54 7.22 7.17
Noncontrolling Interest Sharing Ratio		 5.57% 19.37% 24.48% 23.16% 21.64% 20.04% 14.31% 9.95% 9.06% 7.93% 3.49%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -56 532 -829 462 312 -4,337 4,571 191 -389 83 -350
Operating Cash Flow to CapEx		 2,265.02% 1,684.54% 255.33% 250.04% 82.46% 463.39% 896.91% -18.37% 302.23% 222.52% 307.23%
Free Cash Flow to Firm to Interest Expense		 -1.05 7.29 -7.86 2.89 1.67 -31.06 47.71 0.73 -0.57 0.12 -0.58
Operating Cash Flow to Interest Expense		 1.24 1.25 0.59 0.61 0.22 0.96 3.08 -0.08 0.18 0.22 0.81
Operating Cash Flow Less CapEx to Interest Expense		 1.19 1.18 0.36 0.37 -0.05 0.75 2.74 -0.51 0.12 0.12 0.55
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.04 0.03 0.03 0.03 0.04 0.03 0.04 0.03 0.03
Fixed Asset Turnover		 20.41 25.58 28.01 27.53 30.08 45.36 75.86 73.23 92.46 101.84 69.90
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 2,374 1,921 2,828 2,438 2,208 6,688 2,471 2,508 3,148 3,247 3,821
Invested Capital Turnover		 0.10 0.14 0.15 0.12 0.13 0.11 0.17 0.26 0.27 0.22 0.23
Increase / (Decrease) in Invested Capital		 115 -454 908 -390 -230 4,480 -4,217 38 639 99 574
Enterprise Value (EV)		 2,343 2,004 2,779 2,213 1,905 5,749 2,843 1,709 -389 -712 -208
Market Capitalization		 732 987 801 576 746 655 2,119 921 1,810 1,526 2,498
Book Value per Share		 $18.54 $23.18 $22.84 $23.35 $26.67 $28.47 $37.90 $38.91 $47.77 $54.19 $61.92
Tangible Book Value per Share		 $18.40 $22.54 $22.31 $22.82 $26.19 $28.34 $37.78 $38.80 $47.65 $54.08 $61.81
Total Capital		 2,374 1,921 2,828 2,438 2,208 6,688 2,471 2,508 3,148 3,247 3,821
Total Debt		 1,820 1,065 1,907 1,481 1,155 5,570 1,105 1,106 1,509 1,410 1,705
Total Long-Term Debt		 1,734 1,065 1,721 1,481 1,031 5,446 1,105 1,106 1,385 1,311 1,606
Net Debt		 1,556 800 1,761 1,419 942 4,877 587 650 -2,337 -2,376 -2,706
Capital Expenditures (CapEx)		 2.94 5.43 24 39 50 29 33 113 41 65 161
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 2.06 10 40 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 1,820 1,065 1,907 1,481 1,155 5,570 1,105 1,106 1,509 1,410 1,705
Total Depreciation and Amortization (D&A)		 5.69 6.79 12 16 16 16 -199 -25 -70 1.58 -4.53
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.83 $2.20 $1.84 $1.59 $1.82 $3.76 $9.29 $6.69 $7.49 $5.28 $6.46
Adjusted Weighted Average Basic Shares Outstanding		 30.70M 34.73M 35.84M 35.43M 35.77M 31.93M 32.95M 31.60M 31.48M 31.47M 34.21M
Adjusted Diluted Earnings per Share		 $1.72 $2.03 $1.73 $1.56 $1.80 $3.74 $8.91 $6.51 $7.32 $5.09 $6.26
Adjusted Weighted Average Diluted Shares Outstanding		 30.70M 34.73M 35.84M 35.43M 35.77M 31.93M 32.95M 31.60M 31.48M 31.47M 34.21M
Adjusted Basic & Diluted Earnings per Share		 $1.83 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 30.70M 34.73M 35.84M 35.43M 35.77M 31.93M 32.95M 31.60M 31.48M 31.47M 34.21M
Normalized Net Operating Profit after Tax (NOPAT)		 59 79 79 75 81 144 354 228 250 181 224
Normalized NOPAT Margin		 26.15% 25.98% 22.84% 23.72% 26.46% 30.82% 46.43% 34.76% 33.00% 25.39% 27.38%
Pre Tax Income Margin		 39.51% 40.74% 35.78% 28.74% 35.04% 40.59% 57.83% 44.41% 43.63% 31.39% 35.25%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.65 1.71 1.17 0.57 0.55 1.36 4.61 1.11 0.49 0.33 0.47
NOPAT to Interest Expense		 1.09 1.08 0.75 0.45 0.44 1.02 3.70 0.87 0.37 0.27 0.37
EBIT Less CapEx to Interest Expense		 1.60 1.63 0.94 0.33 0.28 1.15 4.26 0.68 0.43 0.24 0.21
NOPAT Less CapEx to Interest Expense		 1.04 1.00 0.52 0.20 0.17 0.82 3.35 0.44 0.31 0.17 0.10
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 3.95% -11.50% 18.34% 20.17% 18.23% 10.62% 3.44% 4.09% 5.85% 8.35% 4.82%
Augmented Payout Ratio		 3.95% -11.50% 18.34% 38.27% 18.95% 10.62% 12.23% 18.63% 21.76% 18.95% 7.34%

Quarterly Metrics And Ratios for Customers Bancorp

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

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
DEI Shares Outstanding		 - - - - - - - - 34,168,077.00 34,212,174.00 33,825,088.00
DEI Adjusted Shares Outstanding		 - - - - - - - - 34,168,077.00 34,212,174.00 33,825,088.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - 2.18 2.04 2.12
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 34.18% 8.09% 9.61% -23.19% -12.42% -21.29% 3.83% 38.90% 41.52% 57.86% 10.23%
EBITDA Growth		 87.96% 24.46% -25.29% 28.49% -47.57% -68.55% 27.77% 14.50% 480.99% 329.13% 16.97%
EBIT Growth		 134.02% -4.26% 12.84% -58.25% -57.25% -81.82% 2.31% 118.05% 171.32% 659.65% 13.37%
NOPAT Growth		 116.27% -7.44% 22.09% -46.12% -56.65% -74.03% 4.91% 62.05% 176.77% 439.44% 17.43%
Net Income Growth		 116.27% -7.44% 22.09% -46.12% -56.65% -74.03% 4.91% 62.05% 176.77% 439.44% 17.43%
EPS Growth		 122.22% -9.68% 19.42% -49.22% -60.00% -79.29% 4.22% 67.94% 183.33% 579.31% 18.50%
Operating Cash Flow Growth		 59.99% -207.30% -93.21% -82.07% 212.69% 600.16% 2,569.20% 379.20% -8.87% -62.74% -33.83%
Free Cash Flow Firm Growth		 -6,453.33% 132.72% 154.19% 121.84% 87.52% -111.62% -126.19% -234.19% -593.97% -749.34% -439.59%
Invested Capital Growth		 25.48% -15.51% -19.35% -5.81% 3.14% 2.72% 8.76% 12.61% 17.69% 21.26% 35.78%
Revenue Q/Q Growth		 -12.12% -5.00% 9.40% -15.90% 0.20% -14.62% 44.32% 12.50% 2.09% -4.76% 0.77%
EBITDA Q/Q Growth		 76.99% -11.38% 12.14% -26.95% -27.78% -40.72% 266.56% 2.99% 11.57% 1.88% -0.09%
EBIT Q/Q Growth		 -23.89% -22.07% 17.96% -40.33% -22.07% -66.85% 563.71% 27.17% -3.03% -7.19% -0.95%
NOPAT Q/Q Growth		 -28.43% -19.92% 16.81% -19.53% -42.42% -52.03% 371.96% 24.30% -1.65% -6.50% 2.74%
Net Income Q/Q Growth		 -28.43% -19.92% 16.81% -19.53% -42.42% -52.03% 371.96% 24.30% -1.65% -6.50% 2.74%
EPS Q/Q Growth		 -30.23% -22.22% 18.57% -21.08% -45.04% -59.72% 496.55% 27.17% -7.27% -3.43% 4.06%
Operating Cash Flow Q/Q Growth		 -186.98% 84.10% 132.28% 301.61% 446.77% -29.45% 72.28% -27.90% 3.98% -71.15% 205.97%
Free Cash Flow Firm Q/Q Growth		 48.40% 210.15% 25.09% -69.28% -129.49% -2.57% -181.86% -57.40% -52.50% -25.53% -79.07%
Invested Capital Q/Q Growth		 -7.35% 1.44% -3.80% 4.18% 1.46% 1.02% 1.86% 7.86% 6.04% 4.08% 14.06%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 37.76% 35.22% 36.10% 31.36% 22.60% 15.70% 39.87% 36.50% 39.89% 42.67% 42.30%
EBIT Margin		 43.88% 36.00% 38.81% 27.54% 21.42% 8.32% 38.24% 43.23% 41.06% 40.02% 39.33%
Profit (Net Income) Margin		 32.48% 27.38% 29.23% 27.97% 16.08% 9.03% 29.54% 32.63% 31.44% 30.87% 31.47%
Tax Burden Percent		 74.02% 76.06% 75.32% 101.58% 75.05% 108.61% 77.23% 75.49% 76.56% 77.13% 80.00%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 25.98% 23.94% 24.68% -1.58% 24.95% -8.61% 22.77% 24.51% 23.44% 22.87% 20.00%
Return on Invested Capital (ROIC)		 8.71% 6.06% 6.71% 6.26% 3.59% 1.89% 6.30% 7.18% 7.28% 7.67% 7.37%
ROIC Less NNEP Spread (ROIC-NNEP)		 8.71% 6.06% 6.71% 6.26% 3.59% 1.89% 6.30% 7.18% 7.28% 7.67% 7.37%
Return on Net Nonoperating Assets (RNNOA)		 7.48% 7.51% 7.70% 6.02% 3.02% 1.55% 4.89% 5.26% 5.74% 6.21% 6.89%
Return on Equity (ROE)		 16.19% 13.57% 14.40% 12.29% 6.61% 3.43% 11.19% 12.44% 13.02% 13.87% 14.26%
Cash Return on Invested Capital (CROIC)		 -13.76% 23.87% 28.89% 12.56% 2.58% 1.79% -3.79% -6.67% -9.91% -11.47% -22.95%
Operating Return on Assets (OROA)		 1.58% 1.29% 1.43% 0.94% 0.70% 0.26% 1.20% 1.42% 1.42% 1.49% 1.48%
Return on Assets (ROA)		 1.17% 0.98% 1.07% 0.95% 0.53% 0.28% 0.93% 1.07% 1.09% 1.15% 1.18%
Return on Common Equity (ROCE)		 14.72% 12.39% 13.16% 11.28% 6.09% 3.17% 10.51% 11.75% 12.57% 13.40% 13.97%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 14.55% 14.69% 12.03% 0.00% 7.76% 7.92% 8.30% 0.00% 13.10% 13.21%
Net Operating Profit after Tax (NOPAT)		 62 50 58 47 27 13 61 76 74 70 72
NOPAT Margin		 32.48% 27.38% 29.23% 27.97% 16.08% 9.03% 29.54% 32.63% 31.44% 30.87% 31.47%
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% 0.00%
SG&A Expenses to Revenue		 28.26% 33.56% 32.99% 39.02% 39.16% 40.52% 29.20% 27.64% 28.80% 29.89% 32.06%
Operating Expenses to Revenue		 49.05% 54.60% 52.07% 62.25% 65.92% 71.89% 51.68% 45.33% 49.51% 49.63% 50.52%
Earnings before Interest and Taxes (EBIT)		 84 65 77 46 36 12 79 100 97 90 89
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 72 64 72 52 38 22 82 85 95 96 96
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.21 1.07 0.94 0.89 0.90 0.91 1.04 1.01 1.18 1.11 1.21
Price to Tangible Book Value (P/TBV)		 1.21 1.07 0.95 0.89 0.90 0.92 1.04 1.01 1.18 1.11 1.22
Price to Revenue (P/Rev)		 2.39 2.17 1.92 1.99 2.13 2.34 2.71 2.76 3.05 2.64 2.90
Price to Earnings (P/E)		 7.69 7.23 6.29 7.31 9.17 12.15 14.10 12.73 11.94 8.82 9.39
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		 13.01% 13.83% 15.90% 13.68% 10.91% 8.23% 7.09% 7.85% 8.37% 11.34% 10.65%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.18
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.90
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2.22
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2.19
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2.84
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 0.00 2.17
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.92 0.89 0.76 0.78 0.77 0.76 0.79 0.69 0.81 0.85 1.06
Long-Term Debt to Equity		 0.85 0.89 0.69 0.78 0.71 0.76 0.74 0.65 0.76 0.81 1.01
Financial Leverage		 0.86 1.24 1.15 0.96 0.84 0.82 0.78 0.73 0.79 0.81 0.94
Leverage Ratio		 13.88 13.85 13.41 12.88 12.55 12.31 12.05 11.64 11.94 12.05 12.06
Compound Leverage Factor		 13.88 13.85 13.41 12.88 12.55 12.31 12.05 11.64 11.94 12.05 12.06
Debt to Total Capital		 47.95% 47.02% 43.13% 43.71% 43.43% 43.15% 44.22% 41.00% 44.63% 46.08% 51.37%
Short-Term Debt to Total Capital		 3.93% 0.00% 4.04% 0.00% 3.05% 0.00% 2.97% 2.75% 2.60% 2.50% 2.19%
Long-Term Debt to Total Capital		 44.01% 47.02% 39.09% 43.71% 40.38% 43.15% 41.25% 38.25% 42.04% 43.58% 49.18%
Preferred Equity to Total Capital		 4.38% 4.32% 4.49% 4.31% 4.24% 4.20% 2.46% 2.28% 0.00% 0.00% 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		 47.67% 48.79% 52.39% 51.98% 52.33% 52.65% 53.32% 56.72% 55.37% 53.92% 48.63%
Debt to EBITDA		 5.80 5.50 5.33 5.37 6.24 7.99 7.58 7.18 6.01 5.12 6.27
Net Debt to EBITDA		 -8.98 -8.06 -6.93 -6.49 -10.52 -11.37 -10.40 -13.17 -9.53 -8.29 -4.97
Long-Term Debt to EBITDA		 5.32 5.50 4.83 5.37 5.80 7.99 7.07 6.70 5.66 4.84 6.00
Debt to NOPAT		 6.03 6.10 5.16 6.46 7.77 9.78 10.01 8.37 7.61 6.53 8.00
Net Debt to NOPAT		 -9.34 -8.94 -6.72 -7.80 -13.09 -13.92 -13.74 -15.34 -12.08 -10.56 -6.34
Long-Term Debt to NOPAT		 5.54 6.10 4.68 6.46 7.22 9.78 9.34 7.81 7.17 6.17 7.65
Noncontrolling Interest Sharing Ratio		 9.06% 8.72% 8.60% 8.20% 7.93% 7.64% 6.09% 5.60% 3.49% 3.44% 2.02%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -577 636 795 244 -72 -74 -208 -328 -500 -627 -1,124
Operating Cash Flow to CapEx		 -575.65% -425.27% 38.18% 204.10% 405.53% 550.93% 690.05% 196.57% 199.30% 707.91% 406.73%
Free Cash Flow to Firm to Interest Expense		 -3.33 3.71 4.78 1.41 -0.44 -0.50 -1.38 -2.05 -3.32 -4.33 -7.43
Operating Cash Flow to Interest Expense		 -0.68 -0.11 0.04 0.14 0.82 0.64 1.07 0.73 0.81 0.24 0.71
Operating Cash Flow Less CapEx to Interest Expense		 -0.80 -0.14 -0.06 0.07 0.62 0.52 0.92 0.36 0.40 0.21 0.53
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.03 0.03 0.03 0.03 0.03 0.03 0.04 0.04
Fixed Asset Turnover		 92.46 97.46 104.85 101.74 101.84 97.25 105.22 67.86 69.90 80.44 71.62
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 3,148 3,193 3,072 3,200 3,247 3,280 3,341 3,603 3,821 3,977 4,536
Invested Capital Turnover		 0.27 0.22 0.23 0.22 0.22 0.21 0.21 0.22 0.23 0.25 0.23
Increase / (Decrease) in Invested Capital		 639 -586 -737 -198 99 87 269 404 574 697 1,195
Enterprise Value (EV)		 -389 -391 -67 -79 -712 -296 -89 -559 -208 -591 827
Market Capitalization		 1,810 1,671 1,519 1,472 1,526 1,580 1,855 2,067 2,498 2,375 2,676
Book Value per Share		 $47.77 $49.48 $50.84 $52.48 $54.19 $54.88 $56.39 $64.63 $61.92 $62.68 $65.21
Tangible Book Value per Share		 $47.65 $49.36 $50.72 $52.36 $54.08 $54.76 $56.28 $64.52 $61.81 $62.57 $65.10
Total Capital		 3,148 3,193 3,072 3,200 3,247 3,280 3,341 3,603 3,821 3,977 4,536
Total Debt		 1,509 1,501 1,325 1,399 1,410 1,415 1,477 1,477 1,705 1,833 2,330
Total Long-Term Debt		 1,385 1,501 1,201 1,399 1,311 1,415 1,378 1,378 1,606 1,733 2,231
Net Debt		 -2,337 -2,200 -1,724 -1,689 -2,376 -2,014 -2,026 -2,708 -2,706 -2,966 -1,849
Capital Expenditures (CapEx)		 21 4.43 16 12 33 17 23 59 61 4.95 26
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 1,509 1,501 1,325 1,399 1,410 1,415 1,477 1,477 1,705 1,833 2,330
Total Depreciation and Amortization (D&A)		 -12 -1.41 -5.38 6.39 1.99 11 3.34 -16 -2.79 5.98 6.75
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.85 $1.46 $1.72 $1.36 $0.74 $0.30 $1.77 $2.28 $2.11 $2.04 $2.12
Adjusted Weighted Average Basic Shares Outstanding		 31.48M 31.65M 31.70M 31.35M 31.47M 31.59M 31.62M 34.17M 34.21M 33.83M 33.78M
Adjusted Diluted Earnings per Share		 $1.80 $1.40 $1.66 $1.31 $0.72 $0.29 $1.73 $2.20 $2.04 $1.97 $2.05
Adjusted Weighted Average Diluted Shares Outstanding		 31.48M 31.65M 31.70M 31.35M 31.47M 31.59M 31.62M 34.17M 34.21M 33.83M 33.78M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 31.48M 31.65M 31.70M 31.35M 31.47M 31.59M 31.62M 34.17M 34.21M 33.83M 33.78M
Normalized Net Operating Profit after Tax (NOPAT)		 62 50 58 32 27 8.32 61 76 74 70 72
Normalized NOPAT Margin		 32.48% 27.38% 29.23% 19.28% 16.08% 5.82% 29.54% 32.63% 31.44% 30.87% 31.47%
Pre Tax Income Margin		 43.88% 36.00% 38.81% 27.54% 21.42% 8.32% 38.24% 43.23% 41.06% 40.02% 39.33%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.48 0.38 0.46 0.27 0.22 0.08 0.52 0.63 0.65 0.62 0.59
NOPAT to Interest Expense		 0.36 0.29 0.35 0.27 0.17 0.09 0.40 0.47 0.49 0.48 0.47
EBIT Less CapEx to Interest Expense		 0.37 0.36 0.37 0.20 0.02 -0.04 0.37 0.26 0.24 0.59 0.42
NOPAT Less CapEx to Interest Expense		 0.24 0.26 0.25 0.20 -0.04 -0.03 0.25 0.10 0.09 0.45 0.30
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 5.85% 6.09% 5.98% 7.07% 8.35% 10.22% 9.68% 7.08% 4.82% 2.62% 1.36%
Augmented Payout Ratio		 21.76% 6.09% 5.98% 15.47% 18.95% 27.42% 26.55% 10.86% 7.34% 17.84% 18.31%

Financials Breakdown Chart

Key Financial Trends

Customers Bancorp (NYSE:CUBI) has shown a substantial recovery in earnings and balance-sheet growth since the weak first quarter of 2025. The latest quarter, Q2 2026, produced $71.6 million of net income, or $2.05 in diluted EPS, compared with $12.9 million and $0.29 per diluted share in Q1 2025. However, earnings remain below the $86.8 million reported in Q3 2023, indicating that results have improved but remain somewhat cyclical.

Net interest income has generally trended higher. It increased from $159.0 million in Q3 2022 to $193.4 million in Q2 2026, after reaching $204.4 million in Q4 2025. Loan interest income has been the primary driver, rising to $269.9 million in the latest quarter from $200.5 million in Q3 2022. This growth has supported total revenue of $227.4 million in Q2 2026, although higher funding costs continue to limit margin expansion.

The balance sheet has also expanded. Total assets reached $26.5 billion at June 30, 2026, up from $20.4 billion in Q3 2022. Net loans increased to $17.7 billion from $13.6 billion over the same period, while total deposits grew to approximately $21.6 billion. Equity rose to $2.2 billion, providing a larger capital base to support the bank’s growth.

Cash generation has improved from the levels reported in 2024 and early 2025. Operating cash flow was $107.3 million in Q2 2026, compared with only $6.1 million in Q2 2024 and negative operating cash flow in Q1 2024. Nevertheless, investing cash flow has remained strongly negative because of significant investment-security activity, and financing inflows—particularly deposits and debt issuance—have frequently funded balance-sheet expansion.

  • Earnings recovery: Net income has remained near $70 million for the last two quarters, a significant improvement from the $12.9 million reported in Q1 2025.
  • Higher net interest income: Net interest income rose approximately 22% from $158.5 million in Q3 2024 to $193.4 million in Q2 2026, supported by loan growth.
  • Loan growth: Net loans increased from $13.6 billion in Q3 2022 to $17.7 billion in Q2 2026, expanding the company’s earning-asset base.
  • Stronger capital base: Total common equity grew from $1.25 billion in Q3 2022 to $2.21 billion in Q2 2026, helped by retained earnings and the return to consistent profitability.
  • Improved operating cash flow: Operating cash flow was positive in each quarter from Q2 2025 through Q2 2026, including $107.3 million in the latest quarter.
  • Credit provisions remain elevated but stable: The provision for credit losses was $23.1 million in Q2 2026, down modestly from $26.5 million in Q3 2025 but above the $17.9 million recorded in Q3 2022.
  • Noninterest income is modest: Noninterest income has generally remained between roughly $18 million and $34 million in recent quarters, leaving CUBI heavily dependent on interest-based revenue.
  • Rising funding costs: Interest expense was $151.3 million in Q2 2026, compared with $134.5 million in Q4 2022. Deposit interest expense remains the largest cost and could pressure margins if deposit pricing stays high.
  • Greater reliance on debt: Long-term debt increased to $2.23 billion at June 30, 2026, from $805.4 million in Q3 2022. Debt issuance supported growth but also increases leverage and interest-rate sensitivity.
  • Volatile cash and investment flows: The company reported a $1.30 billion investing cash outflow and a $619.4 million decline in cash and equivalents during Q2 2026, highlighting the volatility created by large investment-security transactions and balance-sheet repositioning.

Overall, the statements point to a bank that is larger, more profitable and better capitalized than it was several years ago. The main issues for investors are whether loan growth can continue without a meaningful rise in credit losses, whether deposit and debt costs will compress net interest margins, and whether the company can fund expansion without relying too heavily on wholesale financing.

09/06/26 02:38 AM ETAI Generated. May Contain Errors.

Customers Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Customers Bancorp's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Customers Bancorp's net income appears to be on an upward trend, with a most recent value of $224.09 million in 2025, rising from $58.58 million in 2015. The previous period was $181.47 million in 2024. Check out Customers Bancorp's forecast to explore projected trends and price targets.

Over the last 10 years, Customers Bancorp's total revenue changed from $224.01 million in 2015 to $818.31 million in 2025, a change of 265.3%.

Customers Bancorp's total liabilities were at $22.78 billion at the end of 2025, a 11.3% increase from 2024, and a 190.4% increase since 2015.

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 $62.05 million as of their latest financial filing in 2025.

Over the last 10 years, Customers Bancorp's book value per share changed from 18.54 in 2015 to 61.92 in 2025, a change of 234.0%.


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Financial statements for NYSE:CUBI last updated on 8/7/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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