Customers Bancorp, Inc. CUBI

Financials SIC 6022 - State Commercial Banks NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Commercial Banking derived 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 84.54 2026-10-23
Market cap $2.86B 2026-06-30 share count
52-week range 63.44 - 86.26

Valuation FY2025 figures against the last close

P/S2.1x
P/E13.5x
P/FCF5.9x
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.) 33.4M32.7M32.2M33.5M33.7M31.7M31.6M32.2M32.6M30.0M

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.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 500M 1B 1.5B Revenue, FY2016: 322.5M Net income, FY2016: 78.7M Revenue, FY2017: 56M Net income, FY2017: 78.8M Revenue, FY2018: 43.2M Net income, FY2018: 71.7M Revenue, FY2019: 463.7M Net income, FY2019: 79.3M Revenue, FY2020: 543.3M Net income, FY2020: 132.6M Revenue, FY2021: 780.9M Net income, FY2021: 314.6M Revenue, FY2022: 885.4M Net income, FY2022: 228M Revenue, FY2023: 1.4B Net income, FY2023: 250.1M Revenue, FY2024: 1.3B Net income, FY2024: 181.5M Revenue, FY2025: 1.4B Net income, FY2025: 224.1M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $322.5M $56.0M $43.2M $463.7M $543.3M $780.9M $885.4M $1.37B $1.33B $1.36B
Gross profit — — — — — — — — — —
Net income $78.7M $78.8M $71.7M $79.3M $132.6M $314.6M $228.0M $250.1M $181.5M $224.1M

Recent filings and events

  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Officer or director change Item 5.02
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Officer or director change Item 5.02
  • Shareholder vote Item 5.07
  • Results announced Item 2.02
  • Regulation FD disclosure Item 7.01
  • Regulation FD disclosure Item 7.01
  • Officer or director change Item 5.02
  • Officer or director change Item 5.02

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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