Customers Bancorp, Inc. CUBI

Financials SIC 6022 - State Commercial Banks NYSE

Customers Bancorp is a bank holding company engaged in banking activities through its wholly owned subsidiary, Customers Bank, collectively referred to as "Customers" herein. Customers is a forward-thinking bank with strong risk management that provides commercial and consumer customers the stability and trust inherent in working with an established and regulated financial institution. The Bank has diversified lending activities that build overall franchise value and a high-tech, high-touch, branch-light strategy that serves its customers through a single-point-of-contact private banking strategy. The Bank serves commercial businesses, through community, SBA, and private client groups. The Bank also serves corporate businesses nationwide, including healthcare, real estate specialty finance, fund finance, technology and venture capital banking, financial institutions group, mortgage finance and commercial equipment financing, as well as commercial real estate companies in the Bank's geographic markets and provides payments and treasury services. The Bank serves consumers through its branch network, provides residential mortgages, and personal loan and deposit products including through relationships with fintech companies and Banking-as-a-Service to fintech companies.

Last close 81.07 2026-09-04
Market cap $2.74B 2026-06-30 share count
52-week range 59.34 - 84.38

Valuation FY2025 figures against the last close

P/S2.0x
P/E13.0x
P/FCF5.7x
EV/EBITDA
Dividend yield
Diluted EPS6.26

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $1.36B$1.33B$1.37B$885.4M$780.9M$543.3M$463.7M$43.2M$56.0M$322.5M
Interest expense $750.5M$654.4M$687.4M$623.7M$95.8M$139.6M$186.4M$160.1M$105.5M$73.0M
Pre-tax income $288.4M$224.4M$330.7M$291.3M$441.2M$189.8M$107.8M$91.1M$123.9M$124.6M
Income tax $64.3M$42.9M$80.6M$63.3M$86.9M$46.7M$26.4M$19.4M$45.0M$45.9M
Net income $224.1M$181.5M$250.1M$228.0M$314.6M$132.6M$79.3M$71.7M$78.8M$78.7M
EPS, basic 6.465.287.496.699.293.762.081.812.102.51
EPS, diluted 6.265.097.326.518.913.742.051.781.972.31
Shares, diluted (wtd. avg.) $33.4M$32.7M$32.2M$33.5M$33.7M$31.7M$31.6M$32.2M$32.6M$30.0M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $4.41B$3.79B$3.85B$455.8M$518.0M$693.4M$212.5M$62.1M$146.3M$264.7M
Property, plant and equipment $16.7M$6.7M$7.4M$9.0M$8.9M$11.2M$9.4M$11.1M$12.0M$12.8M
Total assets $24.90B$22.31B$21.32B$20.90B$19.58B$18.44B$11.52B$9.83B$9.84B$9.38B
Short-term debt $0$100.0M$0$300.0M$775.0M$1.10B$1.04B$1.44B$1.77B$771.8M
Long-term debt $0$4.42B$350.0M$0$180.0M
Total liabilities $22.78B$20.47B$19.68B$19.49B$18.21B$17.32B$10.47B$8.88B$8.92B$8.53B
Retained earnings $1.54B$1.33B$1.16B$924.1M$705.7M$438.6M$381.5M$316.7M$258.1M$193.7M
Total equity $2.12B$1.84B$1.64B$1.40B$1.37B$1.12B$1.05B$956.8M$921.0M$855.9M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $494.8M$145.1M$124.7M-$20.8M$295.5M$133.4M$41.3M$97.5M$62.2M$91.4M
Depreciation and amortisation $41.8M$33.6M$31.8M$27.2M$21.7M$18.5M$13.6M$14.2M$10.8M$5.9M
Stock-based compensation $18.5M$14.4M$12.6M$14.2M$13.9M$12.9M$9.9M$9.7M$7.2M$7.1M
Capital expenditure $13.7M$1.5M$590.0K$4.0M$613.0K$4.7M$1.5M$1.8M$2.1M$5.4M
Investing cash flow -$2.06B-$1.01B$3.16B-$1.30B-$1.20B-$6.42B-$1.44B-$104.1M-$565.1M-$961.5M
Financing cash flow $2.19B$800.6M$108.1M$1.26B$754.8M$6.77B$1.52B-$77.6M$384.5M$870.2M
Buybacks $5.6M$19.2M$39.8M$33.2M$27.7M$0$571.0K$13.0M$0$0

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001488813-26-000048.

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CFG CITIZENS FINANCIAL GROUP INC/RI $29.81B 18.3x 6.7%
FCNCA FIRST CITIZENS BANCSHARES INC /DE/ $25.48B 13.4x -2.2%
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