Saturday 17 October 2026 Export CUBI’s income statement to Excel — free account

Customers Bancorp, Inc

Customers Bancorp, Inc’s revenue for fiscal 2025 (year ended December 2025) was $1.4 billion, up 2.82% from fiscal 2024. In the quarter to June 2026, revenue grew 5.90%, EPS grew 19.8%, free cash flow fell 34.6% and total debt rose 61.9%, each against the same quarter a year earlier. Operating cash flow growth for three consecutive years; insiders bought in the last twelve months.

74.78 0.43 +0.58%

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Market cap: $2.5B
P/E: 8.8×
Fwd P/E: 8.7×
Dividend yield: —
F-score: 6/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.07

Total sells 31.98

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	1	—	—	—	—	—
Sell	5	2	—	—	—	—	3	—	1	2	—	—

Insider Ownership 7.15%

Capital & Financial Ratios $m

Market Cap 2,510.00

Revenue 1,528.71

Net Income 291.45

Free Cash Flow 366.73

Net Debt (1,947.95)

Current Ratio 1.00

Debt/Equity 1.01

P/E ratio 8.81

Fwd P/E 8.71

P/S ratio 1.65

P/B ratio 1.15

Past 5Y EPS Growth 10.85%

This Y EPS Growth 34.75%

Next Y EPS Growth 14.25%

Next Y revenue growth (43.85%)

Next 5Y EPS Growth 18.23%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 44.71%

10-year low 10-year high

P/S against its own 10 years 60.01%

10-year low 10-year high

P/B against its own 10 years 58.90%

10-year low 10-year high

Dividends

Payout Ratio —

Annual Dividend Rate —

Annual Dividend Yield —

	total	individual payouts
2024	Powerpack
2023	Powerpack
2022	Powerpack
2021	Powerpack
2020	Powerpack
2019	Powerpack
2017	Powerpack

special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	3,846	3,786	4,411	4,179
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	17,028	18,411	21,142	22,133

	2023	2024	2025	Q'26
Payables	17,920	18,846	20,779	21,733
ST’ Debt	—	—	—	—
Other	—	—	—	—
	18,292	19,161	21,174	22,084

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%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	371	379	—	—	—
’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.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	1.97	2.05	—	—	—
’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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	21.66	24.75	16.72	17.35	8.36	17.77	26.43	6.87	42.31	40.75	Analyst estimates 2026–2028 Powerpack
	High	36.77	36.93	32.34	25.72	24.49	66.36	76.13	60.09	68.49	78.33
People
People	Employees	739	765	827	867	830	641	668	714	793	869
	Revenue/emp, $m	0.51	0.59	0.58	0.58	0.73	1.34	1.37	2.01	1.75	1.64
Income, $m
Income, $m	Revenue	379	452	477	499	607	859	918	1,438	1,388	1,427
	Gross margin, %	80.72	76.65	66.44	62.64	77.00	88.84	71.49	52.72	51.49	57.33
	EBT	125	124	91	108	190	441	291	331	224	288
	EBT margin, %	32.88	27.42	19.09	21.60	31.26	51.38	31.74	23.00	16.16	20.21
	Net income	79	79	72	81	143	354	228	250	181	224
	Depreciation	7	12	16	16	16	(199)	(25)	(70)	2	(5)
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
	Earnings	2.51	2.10	1.81	2.08	3.76	9.29	6.69	7.49	5.28	6.46
	Cash flow	3.31	2.03	3.09	1.32	4.23	9.15	(0.64)	3.97	4.60	15.27
	Capex	(0.16)	(0.74)	(1.21)	(0.03)	(0.15)	(0.02)	(0.12)	(0.02)	(0.04)	(0.42)
	Free cash flow	3.15	1.29	1.88	1.30	4.09	9.13	(0.76)	3.95	4.56	14.85
	Book value	31.01	30.04	30.31	33.76	35.46	42.28	42.99	52.12	58.29	65.31
	Shares, m	28	31	32	31	32	32	33	31	32	32
Valuation, ×
Valuation, ×	P/E	14.32	12.69	10.00	11.50	4.56	7.06	4.20	7.43	9.22	11.43
	P/S	2.60	1.81	1.20	1.49	0.94	2.46	1.00	1.22	1.10	1.66
	P/B	1.54	1.16	0.78	0.89	0.64	1.72	0.72	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/FCF	19.50	60.52	30.80	38.54	7.07	8.39	(57.95)	(5.70)	(6.55)	(0.91)
Cash, $m
Cash, $m	Operating cash flow	91	62	97	41	133	296	(21)	125	145	495
	Capex	(4)	(23)	(38)	(1)	(5)	(1)	(4)	0	(1)	(14)
	Free cash flow	87	40	59	41	129	295	(25)	124	144	481
Balance, $m
Balance, $m	Working capital	974	1,645	1,081	808	4,626	(2,286)	(2,268)	(1,265)	(750)	(32)
	Total debt	978	1,721	1,357	1,031	1,031	882	982	1,385	1,311	1,606
	Net debt	713	1,574	1,295	819	338	364	526	(2,461)	(2,475)	(2,805)
	Shareholders’ equity	856	921	957	1,053	1,117	1,366	1,403	1,638	1,837	2,116
Returns, %
Returns, %	ROA	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
	ROE	12.17	9.60	7.93	8.24	13.66	28.21	17.52	17.03	10.40	10.97

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
BBAR BBVA Banco Frances S.A.	$2.6B	9.3×	—	+7.57% (above 0%: growing)	+83.33% (above 0%: growing)	−107.66% (below 0%: shrinking)	69.86%	0.00%	Compare
NBTB NBT Bancorp Inc.	$2.6B	12.4×	11.1×	+4.89% (above 0%: growing)	+126.67% (above 0%: growing)	+37.10% (above 0%: growing)	79.28%	0.00%	Compare
TRMK Trustmark Corporation	$2.6B	11.4×	11.3×	+0.97% (above 0%: growing)	+18.48% (above 0%: growing)	+48.33% (above 0%: growing)	74.36%	0.00%	Compare
CUBI Customers Bancorp, Inc	$2.5B	8.8×	8.7×	+5.90% (above 0%: growing)	+19.77% (above 0%: growing)	−34.56% (below 0%: shrinking)	60.05%	0.00%
FBNC First Bancorp	$2.5B	18.7×	12.6×	+8.82% (above 0%: growing)	+31.18% (above 0%: growing)	+49.87% (above 0%: growing)	77.46%	0.00%	Compare
FBK FB Financial Corporation	$2.5B	11.4×	11.4×	−1.10% (below 0%: shrinking)	+180.40% (above 0%: growing)	+8.46% (above 0%: growing)	66.94%	0.00%	Compare
FRME First Merchants Corporation	$2.5B	12.7×	10.9×	+14.16% (above 0%: growing)	−28.57% (below 0%: shrinking)	+64.02% (above 0%: growing)	65.81%	0.00%	Compare
BANR Banner Corporation	$2.5B	11.1×	11.1×	+1.33% (above 0%: growing)	+9.92% (above 0%: growing)	−29.43% (below 0%: shrinking)	77.84%	0.00%	Compare
BUSE First Busey Corporation	$2.4B	12.2×	11.2×	−8.06% (below 0%: shrinking)	+30.19% (above 0%: growing)	−15.02% (below 0%: shrinking)	73.20%	0.00%	Compare
Median of peers	$2.5B	11.8×	11.2×	+3.11%	+30.69%	+22.78%	73.78%	0.00%

All 323 Banks Regional stocks →

Customers Bancorp, Inc (CUBI) key facts

Strength: Customers Bancorp, Inc’s revenue for fiscal 2025 (year ended December 2025) was $1.4 billion, up 2.82% from fiscal 2024.
Customers Bancorp, Inc (CUBI) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
As of October 16, 2026, CUBI traded at $74.78, a market capitalization of $2.5 billion.
Return on equity was 11.0% and debt-to-equity 1.01.
Its Piotroski F-score is 6 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.