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Saturday 17 October 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. 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%
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% (at or above 15%: strong)
Next Y EPS Growth 14.25%
Next Y revenue growth (43.85%) (below 0%: weak)
Next 5Y EPS Growth 18.23% (at or above 15%: strong)

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.

Target Price Range

Analyst price targets

Recommendation Rating

1.9
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

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
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.

Customers Bancorp, Inc (CUBI) Latest News

27 Apr

Impact 5 ·
stockrow.com/CUBI · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com