Customers Bancorp, Inc. financials

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CUBI CIK 0001488813

Source: EDGAR filings · Built 2026-06-02T02:47:08Z

Key metrics by reporting period

Up to six most-recent periods side-by-side. Rows are the curated key lines — revenue, margins, cash, debt, equity, cash-flow totals, plus the derived and valuation metrics we compute on top. For every tag a filer reported in one period, use the single-filing drilldown below.

Derived Metrics

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Free Cash Flow 481.02M 143.57M 124.14M -24.87M 294.93M 128.36M
Net Debt -4.27B -3.55B -3.70B -13.18M 494.58M 4.84B
Net Margin — — — — — 329.85%
Return on Equity (ROE) 10.59% 9.88% 15.27% 16.25% 23.03% 11.87%
Return on Assets (ROA) 0.90% 0.81% 1.17% 1.09% 1.61% 0.72%
Debt-to-Equity 0.07× 0.13× 0.09× 0.32× 0.74× 4.95×
Effective Tax Rate 22.31% 19.12% 24.37% 21.72% 19.70% 24.62%
Cash Conversion Ratio 2.21× 0.80× 0.50× -0.09× 0.94× 1.00×
Accruals Ratio -0.01× 0.00× 0.01× 0.01× 0.00× 0.00×
SBC % of Revenue — — — — — 32.05%
CapEx Coverage 36.01× 97.29× 211.41× -5.15× 482.12× 28.50×
Free Cash Flow Per Share $14.39 $4.39 $3.86 $-0.74 $8.75 $4.05

Valuation Metrics

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
P/E Trailing (Diluted) 11.68× 9.56× 7.87× 4.35× 7.34× 4.86×
P/FCF 5.08× 11.09× 14.93× — 7.47× 4.49×
FCF Yield 19.67% 9.01% 6.70% — 13.39% 22.25%
P/S — — — — — 14.34×
P/B 1.18× 0.90× 1.21× 0.73× 1.75× 0.64×

Income Statement

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Income Tax Expense (Benefit) 64.34M 42.90M 80.60M 63.26M 86.94M 46.72M
Net Income (Loss) Attributable to Parent 224.09M 181.47M 250.14M 228.03M 314.65M 132.58M
Earnings Per Share, Basic $6.46 $5.28 $7.49 $6.69 $9.29 $3.76
Weighted Average Number of Shares Outstanding, Basic 32.39M 31.51M 31.44M 32.63M 32.31M 31.51M
Earnings Per Share, Diluted $6.26 $5.09 $7.32 $6.51 $8.91 $3.74
Weighted Average Number of Shares Outstanding, Diluted 33.44M 32.72M 32.16M 33.55M 33.70M 31.73M

Balance Sheet

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Cash and Cash Equivalents, at Carrying Value 4.41B 3.79B 3.85B 455.81M 518.03M 693.35M
Assets 24.90B 22.31B 21.32B 20.90B 19.58B 18.44B
Long-term Debt — — — — 0 4.42B
Liabilities 22.78B 20.47B 19.68B 19.49B 18.21B 17.32B
Stockholders' Equity Attributable to Parent 2.12B 1.84B 1.64B 1.40B 1.37B 1.12B
Common Stock, Shares, Outstanding 34.19M 31.35M 31.44M 32.37M 32.91M 31.71M

Cash Flow Statement

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Net Cash Provided by (Used in) Operating Activities 494.76M 145.06M 124.73M -20.82M — 133.03M
Payments to Acquire Property, Plant, and Equipment 13.74M 1.49M 590.00K 4.05M 613.00K 4.67M
Net Cash Provided by (Used in) Investing Activities -2.06B -1.01B 3.16B -1.30B -1.20B -6.42B
Payments for Repurchase of Common Stock 5.64M 19.24M 39.81M 33.16M 27.66M 0
Net Cash Provided by (Used in) Financing Activities 2.19B 800.62M 108.09M 1.26B 754.77M 6.77B

Raw XBRL tagging for a single filing

Every us-gaap and custom concept the filer tagged for one fiscal period, grouped by statement. Start here when a number in the trend table above surprises you and you want to see the exact tag behind it. Derived and valuation rows are omitted here because they already appear in the trend table.

Most recent filing shown by default.

Compare filings side-by-side

Diff any two filings with deltas and added / removed tags.

Immaterial rows are USD line items under 1% of the period's revenue — the noise floor below which a single tag rarely moves the investment thesis. Revenue is read from the filer's top-line concept (Revenues / RevenueFromContractWithCustomerExcludingAssessedTax, with a fallback chain). Non-USD rows, rows without a numeric value, and every row on a filing with no identifiable revenue anchor stay visible. Flip the switch off to see every tag the filer reported for the period.

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Methodology

All facts on this page come straight from SEC EDGAR XBRL company-facts filings (CUBI CIK 0001488813), grouped by financial statement using FASB's base us-gaap presentation taxonomy. Filers may re-parent concepts onto different statements in their own extension taxonomy, so a handful of rows can show up under a different statement than on the actual 10-K / 10-Q; custom concepts and any we couldn't map fall into Other. Hover a cell to see the fully-qualified concept name and the filer's description.

For the full methodology — statement grouping, the Other bucket, derived metrics, and fact tooltips — see the methodology reference for the statement grouping, the "Other" bucket, derived metrics, and fact tooltips.

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