Customers Bancorp, Inc.
Customers Bancorp, Inc.
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Financial Statements
Values in Millions ($) | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Financial statements beyond 3 years are for subscribers only. Unlock 17+ years of income statements, balance sheets, and cash flow statements Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Cash And Due From Banks | 86 | 89 | 62 | 58 | 73 | 62 | 57 | 39 | 45 | 52 | 45 | 68 | |||||
Interest Bearing Deposits In Banks | 4,093 | 4,709 | 4,349 | 4,128 | 3,431 | 3,367 | 3,729 | 3,049 | 3,004 | 3,649 | 3,801 | 3,352 | |||||
Cash And Cash Equivalents At Carrying Value | 4,179 | 4,798 | 4,411 | 4,186 | 3,504 | 3,429 | 3,786 | 3,088 | 3,049 | 3,701 | 3,846 | 3,420 | |||||
Debt Securities Held To Maturity Excluding Accrued… | 632 | 664 | 729 | 801 | 853 | 938 | 992 | 1,064 | 963 | 1,032 | 1,103 | 1,178 | |||||
Loans Receivable Held For Sale Net Not Part Of Dis… | 59 | 20 | 26 | 31 | 33 | 38 | 205 | 275 | 376 | 358 | 340 | 150 | |||||
Assets | |||||||||||||||||
Assets | 26,521 | 25,881 | 24,896 | 24,260 | 22,551 | 22,423 | 22,308 | 21,456 | 20,943 | 21,347 | 21,316 | 21,857 | |||||
Financing Receivable Excluding Accrued Interest Be… | - | - | 15,041 | - | - | - | 13,128 | - | - | - | 11,964 | 12,463 | |||||
Financing Receivable Allowance For Credit Loss Exc… | - | -161 | -156 | -152 | -147 | -141 | -137 | -133 | -132 | -133 | -135 | -139 | |||||
Financing Receivable Excluding Accrued Interest Af… | - | 17,210 | 16,601 | 16,120 | 15,232 | 14,919 | 14,312 | 13,645 | 13,124 | 12,766 | 12,726 | 13,424 | |||||
Federal Home Loan Bank Stock And Federal Reserve B… | 145 | 118 | 110 | 103 | 101 | 97 | 96 | 95 | 92 | 100 | 110 | 126 | |||||
Interest Receivable | 103 | 105 | 104 | 106 | 101 | 106 | 108 | 116 | 113 | 120 | 115 | 124 | |||||
Property Plant And Equipment Net | 20 | 16 | 17 | 15 | 6 | 7 | 7 | 7 | 7 | 7 | 7 | 8 | |||||
Bank Owned Life Insurance | 310 | 307 | 306 | 303 | 301 | 299 | 298 | 296 | 293 | 293 | 292 | 292 | |||||
Other Real Estate And Foreclosed Assets | 13 | 13 | 12 | 12 | 12 | - | 0 | - | - | - | - | - | |||||
Intangible Assets Net Including Goodwill | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | |||||
Other Assets | 638 | 634 | 638 | 567 | 527 | 530 | 481 | 455 | 411 | 361 | 367 | 358 | |||||
Liabilities And Stockhold… | |||||||||||||||||
Liabilities | |||||||||||||||||
Deposits | |||||||||||||||||
Deposits | 21,733 | 21,593 | 20,779 | 20,405 | 18,976 | 18,933 | 18,846 | 18,069 | 17,678 | 17,961 | 17,920 | 18,195 | |||||
Noninterest Bearing Domestic Deposit Demand | 6,914 | 6,740 | 6,304 | 6,381 | 5,481 | 5,553 | 5,608 | 4,671 | 4,475 | 4,689 | 4,422 | 4,759 | |||||
Interest Bearing Deposit Liabilities | 14,819 | 14,853 | 14,475 | 14,024 | 13,495 | 13,380 | 13,238 | 13,399 | 13,203 | 13,273 | 13,498 | 13,437 | |||||
Federal Funds Purchased | - | 70 | - | - | - | - | - | - | - | - | - | - | |||||
Federal Home Loan Bank Advances Branch Of F H L B … | 2,059 | 1,562 | 1,325 | 1,195 | 1,195 | 1,133 | 1,128 | 1,117 | 1,018 | 1,195 | 1,203 | 1,530 | |||||
Other Borrowings | 99 | 99 | 99 | 99 | 99 | 99 | 99 | 99 | 124 | 124 | 124 | 124 | |||||
Subordinated Debt | 172 | 172 | 281 | 183 | 183 | 183 | 183 | 182 | 182 | 182 | 182 | 182 | |||||
Accounts Payable And Other Accrued Liabilities | 252 | 241 | 296 | 252 | 234 | 210 | 215 | 187 | 193 | 193 | 248 | 264 | |||||
Liabilities | 24,315 | 23,736 | 22,780 | 22,134 | 20,687 | 20,558 | 20,472 | 19,655 | 19,196 | 19,656 | 19,678 | 20,296 | |||||
Preferred Stock Value | - | - | 0 | 82 | 82 | 138 | 138 | 138 | 138 | 138 | 138 | 138 | |||||
Common Stock Value | 36 | 36 | 36 | 36 | 36 | 36 | 36 | 36 | 36 | 36 | 35 | 35 | |||||
Additional Paid In Capital | 669 | 669 | 667 | 662 | 572 | 570 | 575 | 572 | 567 | 567 | 565 | 559 | |||||
Stockholders Equity | |||||||||||||||||
Retained Earnings Accumulated Deficit | 1,676 | 1,605 | 1,535 | 1,465 | 1,391 | 1,336 | 1,326 | 1,303 | 1,260 | 1,206 | 1,160 | 1,101 | |||||
Stockholders Equity | 2,206 | 2,144 | 2,116 | 2,126 | 1,864 | 1,865 | 1,837 | 1,801 | 1,747 | 1,692 | 1,638 | 1,562 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -58 | -55 | -54 | -51 | -71 | -68 | -97 | -106 | -131 | -132 | -137 | -150 | |||||
Treasury Stock Common Value | -118 | -111 | -69 | -69 | -147 | -147 | -142 | -141 | -122 | -122 | -122 | -122 | |||||
Liabilities And Stockholders Equity | 26,521 | 25,881 | 24,896 | 24,260 | 22,551 | 22,423 | 22,308 | 21,456 | 20,943 | 21,347 | 21,316 | 21,857 | |||||
Debt Securities Available For Sale Amortized Cost … | 30 | 25 | 29 | 24 | 17 | 13 | 8 | 5 | 5 | 5 | 4 | 4 | |||||
Loans Held For Sale Fair Value Disclosure | 6 | 3 | 3 | 2 | 5 | 2 | 164 | 220 | 250 | 220 | 189 | 26 | |||||
Preferred Stock Par Or Stated Value Per Share | - | - | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Preferred Stock Liquidation Preference | - | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Preferred Stock Shares Authorized | - | - | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | |||||
Preferred Stock Shares Issued | - | - | 0 | 3 | 3 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | |||||
Preferred Stock Shares Outstanding | - | - | 0 | 3 | 3 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | |||||
Common Stock Par Or Stated Value Per Share | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Common Stock Shares Authorized | 200 | 200 | 200 | 200 | 200 | 200 | 200 | 200 | 200 | 200 | 200 | 200 | |||||
Common Stock Shares Issued | 36 | 36 | 36 | 36 | 36 | 36 | 36 | 36 | 36 | 36 | 35 | 35 | |||||
Shares Outstanding | 34 | 34 | 34 | 34 | 32 | 31 | 31 | 31 | 32 | 32 | 31 | 31 | |||||
Treasury Stock Common Shares | 3 | 3 | 2 | 2 | 5 | 5 | 4 | 4 | 4 | 4 | 4 | 4 | |||||
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -2.74% | 4.85% | -0.96% | - | - | - | - | - | - | - | - | - |
| 2025 | -2.00% | 13.42% | 18.63% | 17.12% | 10.19% | 14.54% | 1.98% | 12.00% | 10.30% | -1.79% | 14.80% | 7.37% |
| 2024 | -6.39% | -0.85% | 38.15% | 10.23% | -3.47% | -5.40% | -1.89% | -13.58% | 0.85% | -4.54% | -15.70% | 0.94% |
| 2023 | - | - | - | -7.63% | -12.07% | 1.48% | 17.19% | 40.26% | 32.50% | -4.33% | -11.21% | -10.09% |
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Performance and Valuation Metrics
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Metrics | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Metric history beyond 3 years is for subscribers only. Unlock 17+ years of history across 90+ calculated metrics Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | -0.51 | -0.52 | -0.62 | -0.71 | -0.78 | -0.27 | 0.33 | 0.91 | 1.47 | 1.46 | 1.46 | 1.45 | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | 8.59 | 8.05 | 6.70 | 4.69 | 3.83 | 3.89 | 5.09 | 6.16 | 7.51 | 7.04 | 7.32 | 6.83 | |||||
| Free Cash Flow Per Share TTM | 10.85 | 12.40 | 14.85 | 15.30 | 13.06 | 8.15 | 4.56 | -3.41 | 0.12 | 2.78 | 3.95 | -1.81 | |||||
| Dividend Per Share TTM | 0.12 | 0.22 | 0.33 | 0.39 | 0.45 | 0.47 | 0.48 | 0.49 | 0.48 | 0.48 | 0.47 | 0.44 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | 56.60% | 56.08% | 55.20% | 53.50% | 51.38% | 50.46% | 49.28% | 24.49% | 26.68% | 26.59% | 26.15% | 37.25% | |||||
| Operating Profit Margin TTM | 27.00% | 26.56% | 21.21% | 17.01% | 13.23% | 13.03% | 16.90% | 20.27% | 24.25% | 23.68% | 24.19% | 27.67% | |||||
| Net Profit Margin TTM | 21.46% | 20.58% | 16.48% | 11.75% | 9.50% | 9.63% | 12.53% | 15.01% | 17.69% | 16.72% | 17.22% | 21.51% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | 7.11% | 5.34% | 2.39% | -0.71% | -5.99% | -5.29% | -2.89% | 31.55% | 115.12% | 339.27% | 562,599.59% | 398,929.69% | |||||
| Net Income Growth (1Y) | 141.91% | 125.17% | 34.64% | -22.27% | -49.50% | -45.46% | -29.31% | -8.20% | 26.34% | 11.89% | 3.25% | -28.18% | |||||
| EPS Growth (1Y) | 126.08% | 107.77% | 30.97% | -24.13% | -49.40% | -45.42% | -29.48% | -9.01% | 24.76% | 13.12% | 7.18% | -25.50% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 8.91 | 8.32 | 10.57 | 13.48 | 14.96 | 12.51 | 9.22 | 7.27 | 6.18 | 7.22 | 7.69 | 4.91 | |||||
| P/B TTM | 1.21 | 1.10 | 1.12 | 0.99 | 1.00 | 0.85 | 0.84 | 0.81 | 0.87 | 0.99 | 1.11 | 0.69 | |||||
| P/S TTM | 1.91 | 1.71 | 1.74 | 1.58 | 1.42 | 1.20 | 1.16 | 1.09 | 1.09 | 1.21 | 1.32 | 1.06 | |||||
| Market Cap | 2.67B | 2.37B | 2.37B | 2.11B | 1.86B | 1.58B | 1.53B | 1.47B | 1.52B | 1.67B | 1.81B | 1.08B | |||||
| Enterprise Value | -1.51B | -2.43B | -2.04B | -2.07B | -1.65B | -1.85B | -2.25B | -1.62B | -1.53B | -2.03B | -2.04B | -2.34B | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 366.59M | 422.61M | 481.02M | 494.84M | 412.55M | 256.24M | 143.57M | -107.78M | 3.81M | 87.50M | 124.14M | -56.72M | |||||
| Net Debt | -4.18B | -4.80B | -4.41B | -4.19B | -3.50B | -3.43B | -3.79B | -3.09B | -3.05B | -3.70B | -3.85B | -3.42B | |||||
Per-Share and Margin | |||||||||||||||||
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| Adjusted EPS TTM | |||||||||||||||||
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| Pretax Margin TTM | |||||||||||||||||
| Stock Comp to Revenue TTM | |||||||||||||||||
Turnover Ratios and Averages | |||||||||||||||||
| Average Assets | |||||||||||||||||
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| Average Accounts Payables | |||||||||||||||||
| Inventory Turnover TTM | |||||||||||||||||
| Payables Turnover TTM | |||||||||||||||||
| Days Inventory Outstanding TTM | |||||||||||||||||
| Days Payables Outstanding TTM | |||||||||||||||||
| Cash Conversion Cycle TTM | |||||||||||||||||
| Working Capital to Revenue | |||||||||||||||||
| Deferred Revenue to Revenue | |||||||||||||||||
Growth Rates | |||||||||||||||||
| Total Assets Growth (1Y) | |||||||||||||||||
| Total Assets Growth (3Y) | |||||||||||||||||
| Total Assets Growth (5Y) | |||||||||||||||||
| Dividends Paid Growth (1Y) | |||||||||||||||||
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| Dividends Paid Growth (5Y) | |||||||||||||||||
| EPS Growth (3Y) | |||||||||||||||||
| EPS Growth (5Y) | |||||||||||||||||
| Net Income Growth (3Y) | |||||||||||||||||
| Net Income Growth (5Y) | |||||||||||||||||
| Net Profit Margin Growth (1Y) | |||||||||||||||||
| Net Profit Margin Growth (3Y) | |||||||||||||||||
| Net Profit Margin Growth (5Y) | |||||||||||||||||
| Net Revenue Growth (3Y) | |||||||||||||||||
| Net Revenue Growth (5Y) | |||||||||||||||||
| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to Equity | |||||||||||||||||
| Altman A | |||||||||||||||||
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| Altman C | |||||||||||||||||
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| Altman E | |||||||||||||||||
| Altman Z-Score | |||||||||||||||||
| ROA TTM | |||||||||||||||||
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| NOPAT TTM | |||||||||||||||||
| ROIC TTM | |||||||||||||||||
| Effective Tax Rate TTM | |||||||||||||||||
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| Dilution Ratio | |||||||||||||||||
| Retained Earnings to Equity | |||||||||||||||||
| Treasury Stock to Equity | |||||||||||||||||
| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
| NCAV | |||||||||||||||||
| NCAV Per Share TTM | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
| P/CF TTM | |||||||||||||||||
| Dividend Yield TTM | |||||||||||||||||
| Free Cash Flow Yield TTM | |||||||||||||||||
| EV EBITDA TTM | |||||||||||||||||
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| Stock Compensation TTM | |||||||||||||||||
| Adjusted Net Income TTM | |||||||||||||||||
| Billings TTM | |||||||||||||||||
| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
Customers Bancorp, Inc. (CUBI) — SEC Financial Statements & Analysis
Customers Bancorp, Inc. (CUBI) is a state commercial banks company, incorporated in PA. Customers Bancorp, Inc. trades on NYSE as: CUBI, CUBB. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), Customers Bancorp, Inc. reported a 7.11% year-over-year revenue growth, a Gross Profit Margin of 56.60% (TTM), a Price-to-Sales (P/S) ratio of 1.91x (TTM), a Price-to-Book (P/B) ratio of 1.21x (TTM), at a market cap of $2.67B. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- 7.11%
- Gross Profit Margin TTM
- 56.60%
- P/S TTM
- 1.91x
- P/B TTM
- 1.21x
- Market Cap
- $2.67B
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is Customers Bancorp, Inc. in?
Customers Bancorp, Inc. (CUBI) operates in the State Commercial Banks industry.
What is CUBI's market cap?
Customers Bancorp, Inc. (CUBI) has a market capitalization of $2.67B as of 2026-06-30.
What is CUBI's P/E ratio?
Customers Bancorp, Inc. (CUBI)'s trailing twelve month P/E ratio is 8.91x as of 2026-06-30.
What exchange does CUBI trade on?
Customers Bancorp, Inc. (CUBI) trades on the NYSE.
Where is Customers Bancorp, Inc. incorporated?
Customers Bancorp, Inc. is incorporated in PA.