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    Customers Bancorp (CUBI) financials

    View CUBI earnings calls

    Price

    Market Cap

    Sector

    Rank

    Performance+15.1% 1Y

    Income Statement

    Financial Trajectories

    11
    Quarterly
    MetricQ3 FY24Q4 FY24Q1 FY25Q2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26Trend
    EarningsRevenue
    Operating Profit
    Net Profit
    $46.74M
    $26.91M
    $12.91M
    $60.94M
    $75.75M
    +62.0%
    $74.49M
    +176.8%
    $69.65M
    +439.4%
    $71.56M
    +17.4%
    Strengthening
    EPS
    $1.36
    $0.30
    $1.77
    $2.28
    +67.6%
    $2.04
    +580.0%
    $2.12
    +19.8%
    Strengthening
    Other Income
    Interest
    Depreciation
    Profit before Tax
    $46.02M
    $35.86M
    $11.89M
    $78.90M
    $100.34M
    +118.1%
    $97.30M
    +171.3%
    $90.31M
    +659.6%
    $89.45M
    +13.4%
    Strengthening
    MarginsOPM
    Tax
    -1.6%
    24.9%
    -8.6%
    22.8%
    24.5%
    23.4%
    -6.1%
    22.9%
    20.0%
    -12.2%
    Weakening
    ReturnsROIC
    2.7%
    1.6%
    0.8%
    3.6%
    4.4%
    +62.0%
    4.3%
    +176.8%
    4.1%
    +439.4%
    4.2%
    +17.4%
    Strengthening

    Balance Sheet

    Balance Sheet

    USD · Annual
    Line itemFY18FY19FY20FY21FY22FY23FY24FY25TTM
    AssetsCash & Equivalents$62.13M$212.50M$693.35M$518.03M$455.81M$3.85B$3.79B$4.41B$4.18B
    Short-Term Investments
    Total Current Assets
    Net PP&E$11.06M$29.62M$27.80M$21.57M$25.16M$23.02M$41.99M$51.09M$51.87M
    Goodwill
    Intangibles
    Total Assets$9.83B$11.52B$18.44B$19.58B$20.90B$21.32B$22.31B$24.90B$26.52B
    LiabilitiesTotal Current Liabilities
    Short-Term Debt$1.44B$1.04B$1.10B$775.00M$300.00M$0$100.00M$0
    Long-Term Debt$0$350.00M$4.42B$0
    Long-Term Leases
    Total Liabilities$8.88B$10.47B$17.32B$18.21B$19.49B$19.68B$20.47B$22.78B$24.32B
    EquityCommon Stock & APIC$32.25M$32.62M$32.99M$34.72M$35.01M$35.46M$35.76M$36.19M$36.48M
    Retained Earnings$316.65M$381.52M$438.58M$705.73M$924.13M$1.16B$1.33B$1.54B$1.68B
    Total Equity$956.82M$1.05B$1.12B$1.37B$1.40B$1.64B$1.84B$2.12B$2.21B
    HighlightsNet Cash / (Debt)-$1.37B-$1.18B-$4.82B-$256.97M

    Cash Flow

    Cash Flow

    USD · Annual
    Line itemFY18FY19FY20FY21FY22FY23FY24FY25TTM
    ActivitiesCash from Operating$97.47M$78.28M$133.03M-$20.82M$124.73M$145.06M$494.76M$380.86M
    Cash from Investing-$104.10M-$1.44B-$6.42B-$1.20B-$1.30B$3.16B-$1.01B-$2.06B-$3.36B
    Cash from Financing-$77.56M$1.52B$6.77B$754.77M$1.26B$108.09M$800.62M$2.19B$3.66B
    SummaryCapital Expenditure-$1.78M-$1.52M-$4.67M-$613.0K-$4.05M-$590.0K-$1.49M-$13.74M-$14.27M
    Free Cash Flow$95.70M$76.76M$128.36M-$24.87M$124.14M$143.57M$481.02M$366.59M
    FCF Margin221.3%164.3%319.3%

    Ratios