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Friday 6 November 2026
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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
84.66
0.34
+0.40%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
14.02 | 12.42 | 9.79 | 11.26 | 4.56 | 7.06 | 4.20 | 7.43 | 9.22 | 11.43 |
Piotroski F-Score |
7 | 4 | 5 | 5 | 7 | 6 | 3 | 6 | 4 | 6 |
P/S ratio |
2.54 | 1.77 | 1.18 | 1.46 | 0.94 | 2.46 | 1.00 | 1.22 | 1.10 | 1.66 |
P/FCF ratio |
11.07 | 20.24 | 9.27 | 17.95 | 4.45 | 7.16 | 0.00 | 14.11 | 10.68 | 4.92 |
P/Operating CF |
1.55 | 25.10 | (631.40) | 110.04 | 9.61 | 100.51 | (3.09) | (14.80) | 11.50 | 19.48 |
P/B ratio |
1.51 | 1.14 | 0.76 | 0.87 | 0.64 | 1.72 | 0.72 | 1.17 | 0.90 | 1.12 |
Price to Tangible BV |
1.55 | 1.16 | 0.78 | 0.89 | 0.64 | 1.72 | 0.73 | 1.17 | 0.90 | 1.12 |
EV/Sales |
4.48 | 5.29 | 3.92 | 3.13 | 1.50 | 2.88 | 1.57 | (0.49) | (0.68) | (0.31) |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
18.56 | 38.45 | 19.18 | 37.81 | 6.83 | 8.38 | (69.20) | (5.68) | (6.49) | (0.88) |
EV/FCF |
19.50 | 60.52 | 30.80 | 38.54 | 7.07 | 8.39 | (57.95) | (5.70) | (6.55) | (0.91) |
Quick Ratio |
0.04 | 0.02 | 0.01 | 0.02 | 0.06 | 0.03 | 0.02 | 0.21 | 0.20 | 0.21 |
Current Ratio |
1.13 | 1.23 | 1.14 | 1.09 | 1.39 | 0.87 | 0.88 | 0.93 | 0.96 | 1.00 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
10.42% | 17.49% | 13.80% | 8.95% | 5.59% | 4.50% | 4.70% | 6.50% | 5.88% | 6.45% |
Debt/Equity |
1.14 | 1.87 | 1.42 | 0.98 | 0.92 | 0.65 | 0.70 | 0.85 | 0.71 | 0.76 |
Asset Turnover |
0.04 | 0.05 | 0.05 | 0.05 | 0.04 | 0.05 | 0.05 | 0.07 | 0.06 | 0.06 |
Operating CF/Net income |
1.32 | 0.97 | 1.70 | 0.64 | 1.13 | 0.98 | (0.10) | 0.53 | 0.87 | 2.37 |
Capex/Depreciation |
(0.61) | (1.96) | (2.43) | (0.05) | (0.29) | 0.00 | 0.16 | 0.01 | (0.89) | 3.00 |
| 12.17% | 9.60% | 7.93% | 8.24% | 13.66% | 28.21% | 17.52% | 17.03% | 10.40% | 10.97% | |
| 0.78% | 0.67% | 0.58% | 0.61% | 0.79% | 1.58% | 1.08% | 1.12% | 0.76% | 0.89% | |
ROIC |
5.01% | 3.11% | 2.65% | 3.60% | 8.21% | 15.94% | 9.44% | 0.00% | 0.00% | 0.00% |
Return on Tangible Assets |
7.01% | 3.88% | 5.24% | 7.93% | 2.56% | (13.18%) | (9.67%) | (18.73%) | (22.40%) | (1,355.25%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
47.53% | 49.02% | 45.51% | 39.14% | 43.10% | 35.39% | 37.24% | 27.64% | 32.99% | 34.44% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
1.87% | 1.59% | 2.04% | 1.97% | 2.12% | 1.61% | 1.54% | 0.88% | 1.04% | 1.29% |
Graham Net Nets |
0.00 | (0.09) | (0.49) | (0.31) | (1.50) | (1.50) | (3.55) | (1.51) | (1.34) | (0.69) |
Graham Number |
36.00 | 32.93 | 30.97 | 35.32 | 50.63 | 89.00 | 76.34 | 89.75 | 80.03 | 96.98 |
Earnings Yield |
7.13% | 8.05% | 10.21% | 8.88% | 21.95% | 14.17% | 23.82% | 13.45% | 10.85% | 8.75% |
Free Cash Flow Yield |
9.04% | 4.94% | 10.79% | 5.57% | 22.49% | 13.96% | (2.72%) | 7.09% | 9.36% | 20.31% |
Revenue per Share |
13.73 | 14.74 | 15.11 | 16.00 | 19.27 | 26.58 | 28.12 | 45.74 | 44.06 | 44.07 |
Operating CF per Share |
3.31 | 2.03 | 3.09 | 1.32 | 4.23 | 9.15 | (0.64) | 3.97 | 4.60 | 15.27 |
Capex per Share |
(0.16) | (0.74) | (1.21) | (0.03) | (0.15) | (0.02) | (0.12) | (0.02) | (0.04) | (0.42) |
Free Cash Flow per Share |
3.15 | 1.29 | 1.88 | 1.30 | 4.09 | 9.13 | (0.76) | 3.95 | 4.56 | 14.85 |
Cash per Share |
9.59 | 4.77 | 1.97 | 6.81 | 22.01 | 16.03 | 13.97 | 122.35 | 120.15 | 136.19 |
Shareholders Equity per Share |
31.01 | 30.04 | 30.31 | 33.76 | 35.46 | 42.28 | 42.99 | 52.12 | 58.29 | 65.31 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
31.01 | 30.04 | 30.31 | 33.76 | 35.46 | 42.28 | 42.99 | 52.12 | 58.29 | 65.31 |
Free Cash Flow |
87.03 | 39.52 | 59.20 | 40.51 | 128.85 | 294.97 | (24.87) | 124.25 | 143.65 | 481.16 |
Working Capital |
973.95 | 1,645.22 | 1,080.56 | 808.46 | 4,625.79 | (2,285.79) | (2,268.27) | (1,264.55) | (749.64) | (32.18) |
Capital Expenditures |
(4.37) | (22.68) | (38.27) | (0.78) | (4.57) | (0.57) | (4.05) | (0.48) | (1.41) | (13.60) |
Net Current Asset Value |
(3.63) | (75.52) | (276.49) | (222.65) | (860.32) | (3,167.46) | (3,250.22) | (2,649.99) | (2,060.50) | (1,638.40) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.01 | 0.05 | 0.08 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 |
Price to Operating Income |
7.66 | 6.41 | 5.89 | 6.74 | 3.00 | 4.79 | 3.14 | 5.30 | 6.84 | 8.21 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.56 | 0.97 | 1.42 | 1.65 | 1.40 | (22.40) | (2.76) | (9.54) | 0.24 | (0.27) |
Cash ROIC |
4.15% | 1.42% | 2.49% | 1.76% | 4.53% | 10.66% | (0.88%) | 1.81% | 2.07% | 5.92% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.01 | 0.02 | 0.02 | 0.02 | 0.01 | 0.01 | 0.02 | 0.04 | 0.04 | 0.03 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
36,497.88 | 23,525.00 | 16,285.69 | 16,933.32 | 29,567.70 | 63,917.55 | 25,328.53 | 9,620.21 | 10,214.81 | 12,451.57 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
6,483.10 | 7,051.96 | 6,971.19 | 7,895.59 | 9,979.43 | 14,043.93 | 17,467.44 | 18,038.60 | 18,383.35 | 19,812.58 |
Average Assets |
8,890.47 | 9,611.15 | 9,836.49 | 10,677.07 | 14,979.99 | 19,007.14 | 20,235.57 | 21,106.19 | 21,812.26 | 23,602.06 |
Average Common Equity |
568.37 | 670.95 | 721.42 | 787.33 | 867.47 | 1,064.02 | 1,246.80 | 1,382.88 | 1,599.74 | 1,907.20 |
Columns are period end dates · fundamentals updated 2 Nov 2026