Customers Bancorp (CUBI) Financials

$77.22 +0.72 (+0.93%)

Closing price 03:59 PM Eastern

Extended Trading

$76.04 -1.18 (-1.53%)

As of 04:31 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	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

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	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025
Period end date	6/30/2023	9/30/2023	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
Net Income / (Loss) Attributable to Common Shareholders	44	83	58	46	54	43	23	9.52	56	74	70
Consolidated Net Income / (Loss)	48	87	62	50	58	47	27	13	61	76	74
Net Income / (Loss) Continuing Operations	48	87	62	50	58	47	27	13	61	76	74
Total Pre-Tax Income	68	110	84	65	77	46	36	12	79	100	97
Total Revenue	181	218	191	182	199	167	167	143	206	232	237
Net Interest Income / (Expense)	165	200	173	160	168	159	168	167	177	202	204
Total Interest Income	330	376	346	332	334	332	330	315	328	361	355
Loans and Leases Interest Income	253	276	248	230	238	240	240	236	249	274	276
Investment Securities Interest Income	48	54	51	47	48	46	40	34	37	36	32
Deposits and Money Market Investments Interest Income	28	44	44	53	46	44	48	43	40	50	45
Other Interest Income	1.62	2.53	2.58	2.11	3.01	1.91	2.14	1.89	1.97	2.03	2.17
Total Interest Expense	165	177	173	171	166	174	162	147	151	160	151
Deposits Interest Expense	136	146	150	154	149	156	145	131	134	142	132
Short-Term Borrowings Interest Expense	-	-	-	13	13	13	-	12	13	13	14
Long-Term Debt Interest Expense	4.23	29	-31	2.69	2.73	3.54	-20	3.21	3.23	3.25	3.36
Federal Funds Purchased and Securities Sold Interest Expense	24	1.57	-26	1.49	1.43	1.61	-15	1.14	1.31	1.39	1.13
Total Non-Interest Income	16	18	19	21	31	8.56	-0.39	-24	30	30	33
Other Service Charges	7.88	7.68	7.71	8.31	8.66	11	14	11	18	16	16
Net Realized & Unrealized Capital Gains on Investments	-5.80	-0.78	-0.24	-0.02	10	-15	-27	-51	-1.80	0.19	-0.09
Other Non-Interest Income	14	11	11	13	12	12	13	15	13	14	16
Provision for Credit Losses	24	18	14	17	18	17	21	28	21	27	22
Total Non-Interest Expense	89	89	94	99	103	104	110	103	107	105	117
Salaries and Employee Benefits	33	34	34	36	45	48	47	43	46	49	52
Net Occupancy & Equipment Expense	19	18	19	24	19	17	17	15	14	15	16
Marketing Expense	0.55	0.65	0.85	0.68	1.25	0.91	1.65	0.53	0.46	0.64	0.81
Other Operating Expenses	29	29	28	30	30	31	36	36	38	32	37
Depreciation Expense	7.33	7.34	7.36	7.97	7.83	7.81	8.93	8.46	8.74	9.46	12
Income Tax Expense	21	23	22	16	19	-0.73	8.95	-1.02	18	25	23
Preferred Stock Dividends Declared	3.57	3.80	3.87	3.80	3.79	3.81	3.65	3.39	5.09	2.02	4.40
Basic Earnings per Share	$1.41	$2.65	$1.85	$1.46	$1.72	$1.36	$0.74	$0.30	$1.77	$2.28	$2.11
Weighted Average Basic Shares Outstanding	31.29M	31.41M	31.48M	31.65M	31.70M	31.35M	31.47M	31.59M	31.62M	34.17M	34.21M
Diluted Earnings per Share	$1.39	$2.58	$1.80	$1.40	$1.66	$1.31	$0.72	$0.29	$1.73	$2.20	$2.04
Weighted Average Diluted Shares Outstanding	31.29M	31.41M	31.48M	31.65M	31.70M	31.35M	31.47M	31.59M	31.62M	34.17M	34.21M
Weighted Average Basic & Diluted Shares Outstanding	31.29M	31.41M	31.48M	31.65M	31.70M	31.35M	31.47M	31.59M	31.62M	34.17M	34.21M

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

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	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025
Period end date	6/30/2023	9/30/2023	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
Net Change in Cash & Equivalents	1,109	265	426	-145	-653	39	698	-357	75	682	226
Net Cash From Operating Activities	89	136	-118	-19	6.08	24	133	94	162	117	122
Net Cash From Continuing Operating Activities	89	136	-118	-19	6.08	24	133	94	162	117	122
Net Income / (Loss) Continuing Operations	48	87	62	50	58	47	27	13	61	76	74
Consolidated Net Income / (Loss)	48	87	62	50	58	47	27	13	61	76	74
Provision For Loan Losses	24	18	14	17	18	17	21	28	21	27	22
Depreciation Expense	7.74	7.66	7.59	8.25	6.46	9.75	9.09	16	12	1.90	13
Amortization Expense	20	-77	-19	-2.29	-12	-3.36	-7.11	-5.09	-8.30	-18	-15
Non-Cash Adjustments to Reconcile Net Income	40	34	-190	-26	-32	-27	98	52	37	17	15
Changes in Operating Assets and Liabilities, net	-49	67	8.01	-66	-33	-19	-15	-9.94	40	13	12
Net Cash From Investing Activities	795	397	1,161	-163	-195	-387	-261	-500	-119	-1,026	-412
Net Cash From Continuing Investing Activities	795	397	1,161	-163	-195	-387	-261	-500	-119	-1,026	-412
Purchase of Property, Leasehold Improvements and Equipment	-13	-5.74	-21	-4.43	-16	-12	-33	-17	-23	-59	-61
Purchase of Investment Securities	-1,326	1,486	689	-320	-612	-414	-787	-616	-553	-1,265	-518
Sale and/or Maturity of Investments	7,536	4,198	5,164	5,098	5,882	6,148	6,211	5,462	7,291	7,401	7,841
Other Investing Activities, net	-5,402	-5,281	-4,671	-4,937	-5,450	-6,109	-5,652	-5,329	-6,833	-7,103	-7,674
Net Cash From Financing Activities	224	-268	-616	37	-463	402	826	49	32	1,591	516
Net Cash From Continuing Financing Activities	224	-268	-616	37	-463	402	826	49	32	1,591	516
Net Change in Deposits	227	245	-275	42	-281	368	805	67	35	1,428	376
Issuance of Debt	-	-	-	0.00	75	80	-	100	60	150	278
Issuance of Common Equity	0.11	0.16	2.79	0.48	0.30	0.73	0.25	0.65	0.49	165	-0.04
Repayment of Debt	-	-510	-340	0.00	-250	-25	25	-100	-	-150	-50
Repurchase of Preferred Equity	-	-	-	-	-	-	-	-	-	-	-85
Payment of Dividends	-3.56	-3.81	-3.81	-3.80	-3.91	-3.79	-3.65	-3.43	-3.41	-2.01	-1.95
Other Financing Activities, Net	-0.09	-0.06	-0.00	-1.43	-3.56	-0.16	-0.30	-9.82	-2.47	-0.25	-0.97

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
Preferred Stock	56	217	217	217	217	217	138	138	138	138	0.00
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

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 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025	Q2 2025	Q3 2025
Period end date	9/30/2022	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
Total Assets	20,368	21,752	22,029	21,857	21,347	20,943	21,456	22,423	22,551	24,260
Cash and Due from Banks	42	77	54	68	52	45	39	62	73	58
Interest Bearing Deposits at Other Banks	363	1,969	3,101	3,352	3,649	3,004	3,049	3,367	3,431	4,128
Trading Account Securities	3,835	4,221	4,161	4,102	3,995	3,850	3,752	3,033	2,763	2,843
Loans and Leases, Net of Allowance	13,632	13,261	13,693	13,424	12,766	13,124	13,645	14,781	15,109	16,009
Loans and Leases	13,762	13,392	13,644	13,426	12,899	13,257	13,778	14,922	15,256	16,161
Allowance for Loan and Lease Losses	130	130	140	139	133	132	133	141	147	152
Premises and Equipment, Net	6.61	8.58	8.03	7.79	7.25	7.02	6.73	6.65	5.98	15
Intangible Assets	3.63	3.63	3.63	3.63	3.63	3.63	3.63	3.63	3.63	3.63
Other Assets	916	963	1,196	1,037	875	909	961	1,170	1,166	1,204
Total Liabilities & Shareholders' Equity	20,368	21,752	22,029	21,857	21,347	20,943	21,456	22,423	22,551	24,260
Total Liabilities	18,981	20,331	20,572	20,296	19,656	19,196	19,655	20,558	20,687	22,134
Non-Interest Bearing Deposits	2,994	3,488	4,490	4,759	4,689	4,475	4,671	5,553	5,481	6,381
Interest Bearing Deposits	14,529	14,236	13,460	13,437	13,273	13,203	13,399	13,380	13,495	14,024
Short-Term Debt	-	-	124	124	-	124	-	-	99	99
Long-Term Debt	805	2,358	2,228	1,712	1,501	1,201	1,399	1,415	1,378	1,378
Other Long-Term Liabilities	288	249	270	264	193	193	187	210	234	252
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	1,387	1,421	1,457	1,562	1,692	1,747	1,801	1,865	1,864	2,126
Total Preferred & Common Equity	1,387	1,421	1,457	1,562	1,692	1,747	1,801	1,865	1,864	2,126
Preferred Stock	138	138	138	138	138	138	138	138	82	82
Total Common Equity	1,249	1,283	1,319	1,424	1,558	1,609	1,663	1,727	1,781	2,044
Common Stock	584	588	591	595	603	603	607	606	609	698
Retained Earnings	899	974	1,018	1,101	1,206	1,260	1,303	1,336	1,391	1,465
Treasury Stock	-77	-122	-122	-122	-118	-122	-141	-147	-147	-69
Accumulated Other Comprehensive Income / (Loss)	-156	-156	-168	-150	-132	-131	-106	-68	-71	-51

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%

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

Metric	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025
Period end date	6/30/2023	9/30/2023	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
DEI Shares Outstanding	-	-	-	-	-	-	-	-	-	-	34,168,077.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	-	34,168,077.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	-	2.18
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	2.07%	45.02%	34.18%	8.09%	9.61%	-23.19%	-12.42%	-21.29%	3.83%	38.90%	41.52%
EBITDA Growth	12.16%	3.69%	87.96%	24.46%	-25.29%	28.49%	-47.57%	-68.55%	27.77%	14.50%	480.99%
EBIT Growth	-11.87%	34.73%	134.02%	-4.26%	12.84%	-58.25%	-57.25%	-81.82%	2.31%	118.05%	171.32%
NOPAT Growth	-18.88%	35.74%	116.27%	-7.44%	22.09%	-46.12%	-56.65%	-74.03%	4.91%	62.05%	176.77%
Net Income Growth	-18.88%	35.74%	116.27%	-7.44%	22.09%	-46.12%	-56.65%	-74.03%	4.91%	62.05%	176.77%
EPS Growth	-17.26%	39.46%	122.22%	-9.68%	19.42%	-49.22%	-60.00%	-79.29%	4.22%	67.94%	183.33%
Operating Cash Flow Growth	82.27%	24.87%	59.99%	-207.30%	-93.21%	-82.07%	212.69%	600.16%	2,569.20%	379.20%	-8.87%
Free Cash Flow Firm Growth	-146.04%	-154.53%	-6,453.33%	132.72%	154.19%	121.84%	87.52%	-111.62%	-126.19%	-234.19%	-593.97%
Invested Capital Growth	66.05%	54.97%	25.48%	-15.51%	-19.35%	-5.81%	3.14%	2.72%	8.76%	12.61%	17.69%
Revenue Q/Q Growth	7.88%	20.01%	-12.12%	-5.00%	9.40%	-15.90%	0.20%	-14.62%	44.32%	12.50%	2.09%
EBITDA Q/Q Growth	86.83%	-57.52%	76.99%	-11.38%	12.14%	-26.95%	-27.78%	-40.72%	266.56%	2.99%	11.57%
EBIT Q/Q Growth	0.08%	61.29%	-23.89%	-22.07%	17.96%	-40.33%	-22.07%	-66.85%	563.71%	27.17%	-3.03%
NOPAT Q/Q Growth	-11.44%	82.36%	-28.43%	-19.92%	16.81%	-19.53%	-42.42%	-52.03%	371.96%	24.30%	-1.65%
Net Income Q/Q Growth	-11.44%	82.36%	-28.43%	-19.92%	16.81%	-19.53%	-42.42%	-52.03%	371.96%	24.30%	-1.65%
EPS Q/Q Growth	-10.32%	85.61%	-30.23%	-22.22%	18.57%	-21.08%	-45.04%	-59.72%	496.55%	27.17%	-7.27%
Operating Cash Flow Q/Q Growth	410.13%	52.12%	-186.98%	84.10%	132.28%	301.61%	446.77%	-29.45%	72.28%	-27.90%	3.98%
Free Cash Flow Firm Q/Q Growth	24.47%	23.79%	48.40%	210.15%	25.09%	-69.28%	-129.49%	-2.57%	-181.86%	-57.40%	-52.50%
Invested Capital Q/Q Growth	0.79%	-10.80%	-7.35%	1.44%	-3.80%	4.18%	1.46%	1.02%	1.86%	7.86%	6.04%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	52.97%	18.75%	37.76%	35.22%	36.10%	31.36%	22.60%	15.70%	39.87%	36.50%	39.89%
EBIT Margin	37.70%	50.67%	43.88%	36.00%	38.81%	27.54%	21.42%	8.32%	38.24%	43.23%	41.06%
Profit (Net Income) Margin	26.25%	39.88%	32.48%	27.38%	29.23%	27.97%	16.08%	9.03%	29.54%	32.63%	31.44%
Tax Burden Percent	69.61%	78.71%	74.02%	76.06%	75.32%	101.58%	75.05%	108.61%	77.23%	75.49%	76.56%
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	30.39%	21.29%	25.98%	23.94%	24.68%	-1.58%	24.95%	-8.61%	22.77%	24.51%	23.44%
Return on Invested Capital (ROIC)	5.52%	10.12%	8.71%	6.06%	6.71%	6.26%	3.59%	1.89%	6.30%	7.18%	7.28%
ROIC Less NNEP Spread (ROIC-NNEP)	5.52%	10.12%	8.71%	6.06%	6.71%	6.26%	3.59%	1.89%	6.30%	7.18%	7.28%
Return on Net Nonoperating Assets (RNNOA)	6.47%	9.07%	7.48%	7.51%	7.70%	6.02%	3.02%	1.55%	4.89%	5.26%	5.74%
Return on Equity (ROE)	11.99%	19.19%	16.19%	13.57%	14.40%	12.29%	6.61%	3.43%	11.19%	12.44%	13.02%
Cash Return on Invested Capital (CROIC)	-43.30%	-35.36%	-13.76%	23.87%	28.89%	12.56%	2.58%	1.79%	-3.79%	-6.67%	-9.91%
Operating Return on Assets (OROA)	1.14%	1.70%	1.58%	1.29%	1.43%	0.94%	0.70%	0.26%	1.20%	1.42%	1.42%
Return on Assets (ROA)	0.80%	1.34%	1.17%	0.98%	1.07%	0.95%	0.53%	0.28%	0.93%	1.07%	1.09%
Return on Common Equity (ROCE)	10.81%	17.39%	14.72%	12.39%	13.16%	11.28%	6.09%	3.17%	10.51%	11.75%	12.57%
Return on Equity Simple (ROE_SIMPLE)	13.31%	13.88%	0.00%	14.55%	14.69%	12.03%	0.00%	7.76%	7.92%	8.30%	0.00%
Net Operating Profit after Tax (NOPAT)	48	87	62	50	58	47	27	13	61	76	74
NOPAT Margin	26.25%	39.88%	32.48%	27.38%	29.23%	27.97%	16.08%	9.03%	29.54%	32.63%	31.44%
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	29.01%	24.19%	28.26%	33.56%	32.99%	39.02%	39.16%	40.52%	29.20%	27.64%	28.80%
Operating Expenses to Revenue	49.26%	41.12%	49.05%	54.60%	52.07%	62.25%	65.92%	71.89%	51.68%	45.33%	49.51%
Earnings before Interest and Taxes (EBIT)	68	110	84	65	77	46	36	12	79	100	97
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	96	41	72	64	72	52	38	22	82	85	95
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.72	0.76	1.21	1.07	0.94	0.89	0.90	0.91	1.04	1.01	1.18
Price to Tangible Book Value (P/TBV)	0.72	0.76	1.21	1.07	0.95	0.89	0.90	0.92	1.04	1.01	1.18
Price to Revenue (P/Rev)	1.47	1.52	2.39	2.17	1.92	1.99	2.13	2.34	2.71	2.76	3.05
Price to Earnings (P/E)	5.22	5.31	7.69	7.23	6.29	7.31	9.17	12.15	14.10	12.73	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	19.17%	18.82%	13.01%	13.83%	15.90%	13.68%	10.91%	8.23%	7.09%	7.85%	8.37%
Enterprise Value to Invested Capital (EV/IC)	0.07	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to Revenue (EV/Rev)	0.44	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to EBITDA (EV/EBITDA)	1.24	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to EBIT (EV/EBIT)	1.10	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to NOPAT (EV/NOPAT)	1.44	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
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	0.00
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	1.61	1.18	0.92	0.89	0.76	0.78	0.77	0.76	0.79	0.69	0.81
Long-Term Debt to Equity	1.53	1.10	0.85	0.89	0.69	0.78	0.71	0.76	0.74	0.65	0.76
Financial Leverage	1.17	0.90	0.86	1.24	1.15	0.96	0.84	0.82	0.78	0.73	0.79
Leverage Ratio	15.05	14.32	13.88	13.85	13.41	12.88	12.55	12.31	12.05	11.64	11.94
Compound Leverage Factor	15.05	14.32	13.88	13.85	13.41	12.88	12.55	12.31	12.05	11.64	11.94
Debt to Total Capital	61.75%	54.04%	47.95%	47.02%	43.13%	43.71%	43.43%	43.15%	44.22%	41.00%	44.63%
Short-Term Debt to Total Capital	3.25%	3.64%	3.93%	0.00%	4.04%	0.00%	3.05%	0.00%	2.97%	2.75%	2.60%
Long-Term Debt to Total Capital	58.51%	50.39%	44.01%	47.02%	39.09%	43.71%	40.38%	43.15%	41.25%	38.25%	42.04%
Preferred Equity to Total Capital	3.62%	4.06%	4.38%	4.32%	4.49%	4.31%	4.24%	4.20%	2.46%	2.28%	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	34.63%	41.91%	47.67%	48.79%	52.39%	51.98%	52.33%	52.65%	53.32%	56.72%	55.37%
Debt to EBITDA	10.45	8.10	5.80	5.50	5.33	5.37	6.24	7.99	7.58	7.18	6.01
Net Debt to EBITDA	-3.57	-6.99	-8.98	-8.06	-6.93	-6.49	-10.52	-11.37	-10.40	-13.17	-9.53
Long-Term Debt to EBITDA	9.90	7.55	5.32	5.50	4.83	5.37	5.80	7.99	7.07	6.70	5.66
Debt to NOPAT	12.13	8.47	6.03	6.10	5.16	6.46	7.77	9.78	10.01	8.37	7.61
Net Debt to NOPAT	-4.14	-7.31	-9.34	-8.94	-6.72	-7.80	-13.09	-13.92	-13.74	-15.34	-12.08
Long-Term Debt to NOPAT	11.49	7.90	5.54	6.10	4.68	6.46	7.22	9.78	9.34	7.81	7.17
Noncontrolling Interest Sharing Ratio	9.81%	9.35%	9.06%	8.72%	8.60%	8.20%	7.93%	7.64%	6.09%	5.60%	3.49%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-1,467	-1,118	-577	636	795	244	-72	-74	-208	-328	-500
Operating Cash Flow to CapEx	697.38%	2,369.86%	-575.65%	-425.27%	38.18%	204.10%	405.53%	550.93%	690.05%	196.57%	199.30%
Free Cash Flow to Firm to Interest Expense	-8.90	-6.33	-3.33	3.71	4.78	1.41	-0.44	-0.50	-1.38	-2.05	-3.32
Operating Cash Flow to Interest Expense	0.54	0.77	-0.68	-0.11	0.04	0.14	0.82	0.64	1.07	0.73	0.81
Operating Cash Flow Less CapEx to Interest Expense	0.46	0.74	-0.80	-0.14	-0.06	0.07	0.62	0.52	0.92	0.36	0.40
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.03	0.03	0.04	0.04	0.04	0.03	0.03	0.03	0.03	0.03	0.03
Fixed Asset Turnover	86.81	98.52	92.46	97.46	104.85	101.74	101.84	97.25	105.22	67.86	69.90
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	3,809	3,397	3,148	3,193	3,072	3,200	3,247	3,280	3,341	3,603	3,821
Invested Capital Turnover	0.21	0.25	0.27	0.22	0.23	0.22	0.22	0.21	0.21	0.22	0.23
Increase / (Decrease) in Invested Capital	1,515	1,205	639	-586	-737	-198	99	87	269	404	574
Enterprise Value (EV)	280	-368	-389	-391	-67	-79	-712	-296	-89	-559	-208
Market Capitalization	946	1,078	1,810	1,671	1,519	1,472	1,526	1,580	1,855	2,067	2,498
Book Value per Share	$42.20	$45.50	$47.77	$49.48	$50.84	$52.48	$54.19	$54.88	$56.39	$64.63	$61.92
Tangible Book Value per Share	$42.09	$45.39	$47.65	$49.36	$50.72	$52.36	$54.08	$54.76	$56.28	$64.52	$61.81
Total Capital	3,809	3,397	3,148	3,193	3,072	3,200	3,247	3,280	3,341	3,603	3,821
Total Debt	2,352	1,836	1,509	1,501	1,325	1,399	1,410	1,415	1,477	1,477	1,705
Total Long-Term Debt	2,228	1,712	1,385	1,501	1,201	1,399	1,311	1,415	1,378	1,378	1,606
Net Debt	-803	-1,584	-2,337	-2,200	-1,724	-1,689	-2,376	-2,014	-2,026	-2,708	-2,706
Capital Expenditures (CapEx)	13	5.74	21	4.43	16	12	33	17	23	59	61
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)	2,352	1,836	1,509	1,501	1,325	1,399	1,410	1,415	1,477	1,477	1,705
Total Depreciation and Amortization (D&A)	28	-69	-12	-1.41	-5.38	6.39	1.99	11	3.34	-16	-2.79
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.41	$2.65	$1.85	$1.46	$1.72	$1.36	$0.74	$0.30	$1.77	$2.28	$2.11
Adjusted Weighted Average Basic Shares Outstanding	31.29M	31.41M	31.48M	31.65M	31.70M	31.35M	31.47M	31.59M	31.62M	34.17M	34.21M
Adjusted Diluted Earnings per Share	$1.39	$2.58	$1.80	$1.40	$1.66	$1.31	$0.72	$0.29	$1.73	$2.20	$2.04
Adjusted Weighted Average Diluted Shares Outstanding	31.29M	31.41M	31.48M	31.65M	31.70M	31.35M	31.47M	31.59M	31.62M	34.17M	34.21M
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	31.29M	31.41M	31.48M	31.65M	31.70M	31.35M	31.47M	31.59M	31.62M	34.17M	34.21M
Normalized Net Operating Profit after Tax (NOPAT)	48	87	62	50	58	32	27	8.32	61	76	74
Normalized NOPAT Margin	26.25%	39.88%	32.48%	27.38%	29.23%	19.28%	16.08%	5.82%	29.54%	32.63%	31.44%
Pre Tax Income Margin	37.70%	50.67%	43.88%	36.00%	38.81%	27.54%	21.42%	8.32%	38.24%	43.23%	41.06%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.41	0.62	0.48	0.38	0.46	0.27	0.22	0.08	0.52	0.63	0.65
NOPAT to Interest Expense	0.29	0.49	0.36	0.29	0.35	0.27	0.17	0.09	0.40	0.47	0.49
EBIT Less CapEx to Interest Expense	0.34	0.59	0.37	0.36	0.37	0.20	0.02	-0.04	0.37	0.26	0.24
NOPAT Less CapEx to Interest Expense	0.21	0.46	0.24	0.26	0.25	0.20	-0.04	-0.03	0.25	0.10	0.09
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	6.41%	6.35%	5.85%	6.09%	5.98%	7.07%	8.35%	10.22%	9.68%	7.08%	4.82%
Augmented Payout Ratio	29.69%	27.18%	21.76%	6.09%	5.98%	15.47%	18.95%	27.42%	26.55%	10.86%	7.34%

Financials Breakdown Chart

Key Financial Trends

Here’s a concise, bullet-point style read on Customers Bancorp (NYSE:CUBI) using the last four fiscal quarters (through Q4 2025). The focus is on profitability, credit, funding, and cash flow trends that may affect retail investors.

Strong quarterly profitability in Q4 2025: Consolidated net income of $74.49M and diluted earnings per share (EPS) of $2.04, with basic EPS at $2.11.
Solid net interest income: $204.43M in Q4 2025, continuing a trend of robust interest income that supports overall profitability.
Total revenue reached $236.94M in Q4 2025, marking a notable increase from earlier 2025 quarters as both interest and non-interest income contributed.
Funding and loan growth: Deposits near $20.4B and Loans & Leases net of allowance around $16.01B in the latest period, signaling funding stability and loan book expansion.
Healthy cash generation: Net cash from continuing operating activities around $121.6M in Q4 2025, with substantial net cash from financing activities helping liquidity management.
Strong net cash from financing activities in Q4 2025 (positive financing flow), contributing to overall liquidity and balance-sheet flexibility.
Salaries and employee benefits rose modestly to $51.74M in Q4 2025, consistent with ongoing expense investments supporting operations.
Total non-interest expense was about $117.31M in Q4 2025, up from the prior quarter, indicating scale-related cost dynamics as the business grows.
Provision for credit losses stood at roughly $22.34M in Q4 2025, signaling ongoing credit-risk management rather than a dramatic near-term deterioration or improvement.
Expense and credit-cost headwinds: Non-interest expense rose in Q4 2025 vs Q3 2025, and elevated provisions for credit losses remain a potential drag on margins if loan quality or reserve needs worsen.

05/05/26 05:53 PM ETAI Generated. May Contain Errors.

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 2025 ended on December 31, 2025.

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 $224.09 million in 2025, rising from $58.58 million in 2015. The previous period was $181.47 million in 2024. See Customers Bancorp's forecast for analyst expectations on whatâ€™s next for the company.

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

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%.

How much debt does Customers Bancorp have?

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.

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

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 18.54 in 2015 to 61.92 in 2025, a change of 234.0%.

Related Companies

Financial statements for NYSE:CUBI last updated on 3/4/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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Customers Bancorp (CUBI) Financials

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Customers Bancorp (CUBI) Financials

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