Pricing Log in Create free account
Friday 6 November 2026 Export CUBI’s income statement to Excel — free account

Customers Bancorp, Inc

CUBI Financial Banks Regional

Customers Bancorp, Inc’s revenue for fiscal 2025 (year ended December 2025) was $1.4 billion, up 2.82% from fiscal 2024.

Revenue
+2.67%
EPS
+2.19%
Free cash flow
−34.6%
Total debt
+67.5%

Quarter to September 2026, against a year earlier

84.61 2.56 −2.94%
Market cap
$2.8B
P/E
9.9×
Fwd P/E
9.9×
Dividend yield
—
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.07
Sold, $m 35.29
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — 1 — — — — — —
Sell 2 — — — — 3 — 1 2 — 2 1
Insider Ownership 8.12%

Capital & Financial Ratios $m

Size
Market Cap 2,810.00
Revenue ttm 1,539.17
Net income ttm 291.45
Free cash flow ttm 366.73
Net debt Q (1,315.92)
Valuation
P/E 9.91
Forward P/E 9.86
Price / sales 1.85
Forward P/S Powerpack
Price / FCF 7.78
Price / book 1.30
Financial health
Current ratio Q 0.96
Debt / equity Q 1.05
Interest coverage Q —
Growth
Revenue growth Q +2.67% (above 0%: growing)
Operating income growth Q +0.27% (above 0%: growing)
EPS, this year +36.29% (at or above 15%: strong)
EPS, next year A +15.50% (at or above 15%: strong)
Revenue, next year A −43.20% (below 0%: weak)
EPS, past 5 yrs +10.85%
EPS, next 5 yrs A +20.41% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 53.28%
10-year low 10-year high
P/S against its own 10 years 71.62%
10-year low 10-year high
P/B against its own 10 years 83.76%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 3,846 3,786 4,411 3,625
Receivables — — — —
Inventory — — — —
Other — — — —
17,028 18,411 21,142 22,078
2023 2024 2025 Q'26
Payables 17,920 18,846 20,779 22,564
ST’ Debt — — — —
Other — — — —
18,292 19,161 21,174 22,910

Compound Annual Growth %

10y 5y 3y
Sales 17.79% 18.65% 15.87%
Cash Flow 22.21% 29.97% 0.00%
Earnings 14.07% 12.03% (1.43%)
Book Value 14.34% 13.62% 14.67%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 2.15 Actual 2.27

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 2.04 2.06 Beat by 0.02
Q1 FY26 1.88 1.97 Beat by 0.09
Q2 FY26 2.00 2.05 Beat by 0.05
Q3 FY26 2.15 2.27 Beat by 0.12
Q4 FY26 2.28 — Reports 28 January 2027

EPS $

Mar Jun Sep Dec Year
’26 1.97 2.05 2.25 — —
’25 0.29 1.73 2.20 1.98 6.26
’24 1.40 1.66 1.31 0.71 5.09
’23 1.55 1.39 2.58 1.79 7.32
’22 2.18 1.68 1.85 0.77 6.51
’21 1.01 1.72 3.25 2.87 8.91
’20 0.22 0.61 1.48 1.65 3.74
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 371 379 402 — —
’25 290 358 392 388 1,427
’24 353 365 341 330 1,388
’23 333 346 394 365 1,438
’22 205 209 227 277 918
’21 180 180 268 231 859
’20 137 137 165 169 607
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 35 107 — — —
’25 94 162 117 122 495
’24 (19) 6 24 133 145
’23 18 89 136 (118) 125
’22 117 49 109 (296) (21)
’21 200 89 (15) 21 296
’20 (35) 75 34 60 133
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 35 106 — — —
’25 93 162 107 119 481
’24 (19) 6 24 133 144
’23 17 89 136 (118) 124
’22 117 49 109 (299) (25)
’21 200 89 (15) 21 295
’20 (41) 81 30 59 129
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.9
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 379 452 477 499 607 859 918 1,438 1,388 1,427 1,539 +15.9% 811 913 987 (11.6%)
Gross margin, % 80.72 76.65 66.44 62.64 77.00 88.84 71.49 52.72 51.49 57.33 60.39 (23.4) pt
EBT 125 124 91 108 190 441 291 331 224 288 378 +9.8%
EBT margin, % 32.88 27.42 19.09 21.60 31.26 51.38 31.74 23.00 16.16 20.21 24.54 (12.7) pt
Net income 79 79 72 81 143 354 228 250 181 224 291 +12.3%
Per share, $
Per share, $ Revenue 13.73 14.74 15.11 16.00 19.27 26.58 28.12 45.74 44.06 44.07 45.66 +13.8%
Earnings 2.51 2.10 1.81 2.08 3.76 9.29 6.69 7.49 5.28 6.46 8.54 +11.1%
Cash flow 3.31 2.03 3.09 1.32 4.23 9.15 (0.64) 3.97 4.60 15.27 0.00 +18.5%
Capex (0.16) (0.74) (1.21) (0.03) (0.15) (0.02) (0.12) (0.02) (0.04) (0.42) 0.00 +11.4%
Free cash flow 3.15 1.29 1.88 1.30 4.09 9.13 (0.76) 3.95 4.56 14.85 0.00 +18.8%
Book value 31.01 30.04 30.31 33.76 35.46 42.28 42.99 52.12 58.29 65.31 65.05 +8.6%
Shares, m 28 31 32 31 32 32 33 31 32 32 33 +1.8%
Valuation, ×
Valuation, × P/E 14.02 12.42 9.79 11.26 4.56 7.06 4.20 7.43 9.22 11.43 9.91 9.1
P/S 2.54 1.77 1.18 1.46 0.94 2.46 1.00 1.22 1.10 1.66 1.85 1.5
P/B 1.51 1.14 0.76 0.87 0.64 1.72 0.72 1.17 0.90 1.12 1.30 1.1
EV/Sales 4.48 5.29 3.92 3.13 1.50 2.88 1.57 (0.49) (0.68) (0.31) — 2.1
EV/FCF 19.50 60.52 30.80 38.54 7.07 8.39 (57.95) (5.70) (6.55) (0.91) — 9.4
Cash, $m
Cash, $m Operating cash flow 91 62 97 41 133 296 (21) 125 145 495 381 +20.6%
Capex (4) (23) (38) (1) (5) (1) (4) 0 (1) (14) (14) +13.4%
Free cash flow 87 40 59 41 129 295 (25) 124 144 481 367 +20.9%
Balance, $m
Balance, $m Working capital 974 1,645 1,081 808 4,626 (2,286) (2,268) (1,265) (750) (32) (832) n/m
Net debt 713 1,574 1,295 819 338 364 526 (2,461) (2,475) (2,805) (1,316) n/m
Shareholders’ equity 856 921 957 1,053 1,117 1,366 1,403 1,638 1,837 2,116 2,193 +10.6%
Returns, %
Returns, % ROA 0.78 0.67 0.58 0.61 0.79 1.58 1.08 1.12 0.76 0.89 1.12 +0.1 pt
ROIC 5.01 3.11 2.65 3.60 8.21 15.94 9.44 0.00 0.00 0.00 26.92 (5.0) pt
ROE 12.17 9.60 7.93 8.24 13.66 28.21 17.52 17.03 10.40 10.97 13.68 (1.2) pt
People
People Employees 739 765 827 867 830 641 668 714 793 869 — +1.8%
Revenue/emp, $m 0.51 0.59 0.58 0.58 0.73 1.34 1.37 2.01 1.75 1.64 — +13.8%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

Customers Bancorp, Inc vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
FHB First Hawaiian, Inc. $3.1B 11.2× 12.4× −2.99% (below 0%: shrinking) −11.86% (below 0%: shrinking) +105.64% (above 0%: growing) 79.21% 0.00% Compare
PFS Provident Financial Services, Inc $3.0B 9.7× 9.5× +4.27% (above 0%: growing) −3.56% (below 0%: shrinking) −40.48% (below 0%: shrinking) 64.68% 0.00% Compare
CLBK Columbia Financial $3.0B 32.8× 20.1× +5.07% (above 0%: growing) +15.99% (above 0%: growing) +34.28% (above 0%: growing) 55.42% 0.00% Compare
BANC Banc of California, Inc. $2.9B — (loss-making) — (loss-making) +1.56% (above 0%: growing) +37.95% (above 0%: growing) +158.46% (above 0%: growing) 64.08% 0.00% Compare
CUBI Customers Bancorp, Inc $2.8B 9.9× 9.9× +2.67% (above 0%: growing) +2.19% (above 0%: growing) −34.56% (below 0%: shrinking) 59.54% 0.00%
NBTB NBT Bancorp Inc. $2.8B 12.7× 12.4× +1.43% (above 0%: growing) +7.69% (above 0%: growing) +37.10% (above 0%: growing) 79.49% 0.00% Compare
BOH Bank of Hawaii Corporation $2.7B 12.0× 11.9× −0.66% (below 0%: shrinking) +35.07% (above 0%: growing) +211.82% (above 0%: growing) 73.11% 0.00% Compare
FBNC First Bancorp $2.7B 16.3× 13.5× +28.80% (above 0%: growing) +154.02% (above 0%: growing) +103.23% (above 0%: growing) 76.83% 0.00% Compare
FBK FB Financial Corporation $2.7B 12.0× 11.6× −1.10% (below 0%: shrinking) +179.07% (above 0%: growing) −58.85% (below 0%: shrinking) 66.94% 0.00% Compare
Median of peers $2.8B 12.0× 12.4× +1.50% +25.53% +70.17% 70.03% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 14 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 2.95m 6.89m 402.20
2024 3.36m 1.91m 267.77
2023 3.76m 9.75m 316.94
2022 2.65m (24.38m) 155.89
2021 3.90m 46.21m 359.57

Ownership

Directors and executive officers, together 10.45%
BlackRock, Inc. 13.76%
Wellington Management Group LLP, Wellington Group Holdings LLP, Wellington Investment Advisors Holdings LLP, and Wellington Management Company LLP c/o Wellington Management Company LLP 10.81%
Jay S. Sidhu 5.89%
Dimensional Fund Advisors LP 5.57%
State Street CorporationOne Congress Street, Suite 5.34%
Hood River Capital Management LLC2373 PGA Blvd., Suite 5.12%
Bay Pond Partners, L.P. c/o Wellington Management Company LLP 5.12%
Bay Pond Investors (Bermuda) L.P.c/o Wellington Management Company LLP280 Congress StreetBoston, MA 5.12%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Customers Bancorp, Inc (CUBI) Latest News

26 Oct

Impact 4 · · StockStory
Impact 4 · · The Motley Fool
Impact 3 · · StockStory

23 Oct

Impact 4 · · Simply Wall St.
Impact 4 · · Simply Wall St.
Impact 4 · · Simply Wall St.
Impact 4 · · The Motley Fool transcript
Impact 4 · · Simply Wall St.
Impact 4 · · MarketBeat transcript
Impact 4 · · Moby

22 Oct

Impact 4 · · Associated Press
Impact 3 · · Zacks
Impact 3 · · Zacks

21 Oct

Impact 3 · · Zacks
Impact 3 · · StockStory

15 Oct

Impact 4 · · Business Wire
Impact 3 · · Zacks

5 Oct

Impact 3 · · Business Wire

26 Sep

Impact 3 · · Simply Wall St.

1 Aug

Impact 3 ·

27 Jul

Impact 4 ·

25 Jul

Impact 3 ·

24 Jul

Impact 4 ·
Impact 4 · · Moby
Impact 3 · · MarketBeat

23 Jul

Impact 4 ·
Impact 3 ·
Impact 3 ·

22 Jul

Impact 3 ·

14 Jul

Impact 3 ·

CUBI metrics, ten years each

stockrow.com/CUBI · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com