Customers Bancorp, Inc. (CUBI)

78.58 -0.57% (-0.45)

Over 5Y: +96.6%

2026-08-28
20 40 60 80
2021 2022 2023 2024 2025 2026

Financials Quarterly

Q3 '23 — Operating Cash Flow: 136.1M Q3 '23 — Free Cash Flow: 135.7M Q3 '23 — Net Income: 86.8M Q4 '23 — Net Income: 62.1M Q1 '24 — Operating Cash Flow: -18.8M Q1 '24 — Free Cash Flow: -19.2M Q1 '24 — Net Income: 49.7M Q2 '24 — Operating Cash Flow: 6.1M Q2 '24 — Free Cash Flow: 5.8M Q2 '24 — Net Income: 58.1M Q3 '24 — Operating Cash Flow: 24.4M Q3 '24 — Free Cash Flow: 24.1M Q3 '24 — Net Income: 46.7M Q4 '24 — Operating Cash Flow: 133.4M Q4 '24 — Free Cash Flow: 132.9M Q4 '24 — Net Income: 26.9M Q1 '25 — Operating Cash Flow: 94.1M Q1 '25 — Free Cash Flow: 93.4M Q1 '25 — Net Income: 12.9M Q2 '25 — Operating Cash Flow: 162.2M Q2 '25 — Free Cash Flow: 162.1M Q2 '25 — Net Income: 60.9M Q3 '25 — Operating Cash Flow: 116.9M Q3 '25 — Free Cash Flow: 106.4M Q3 '25 — Net Income: 75.7M Q4 '25 — Operating Cash Flow: 121.6M Q4 '25 — Free Cash Flow: 119.1M Q4 '25 — Net Income: 74.5M Q1 '26 — Operating Cash Flow: 35.1M Q1 '26 — Free Cash Flow: 35M Q1 '26 — Net Income: 69.7M Q2 '26 — Operating Cash Flow: 107.3M Q2 '26 — Free Cash Flow: 106.1M Q2 '26 — Net Income: 71.6M 0 40M 80M 120M 160M 200M
Q4 '23 Q2 '24 Q4 '24 Q2 '25 Q4 '25 Q2 '26
Revenue Operating Cash Flow Free Cash Flow Net Income

Figures as at 2020-12-31, reported in USD. The newest fact in the filings is dated 2026-06-30, 61 days ago. Nothing on this page is advice.

How it scores

Five questions, each answered by the measures under it. Every figure is the company's own; the bar beside it is where that figure sits among the companies read here — the top fifth, the bottom fifth, or somewhere between. Not among all listed companies, and for a valuation multiple the low end is the good end.

Quality

How much of the revenue is really kept — and what did it take to earn it?

10.0
Asset turnover 0.0015×
Accruals —
Capex / sales —
EBITDA margin —
FCF margin —
Gross margin —
OCF / EBIT —
OCF margin —
OE margin —
Oper. margin —
Profit margin —
ROA —
ROCE —
ROE —
ROIC —

1 of 17 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Valuation

What does the price ask for what the company earns, owns and pays out?

0.5
Div. yield —
EV/EBIT —
EV/GP —
EV/OE —
EV/Sales —
FCF yield —
Fwd P/E —
P/B —
P/C —
P/E —
PEG —

0 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Durability

How predictable is the revenue, and how much of it is already committed?

1.0
RPO / sales —
RPO growth —
Segment HHI —

2 of 7 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Resilience

Can the balance sheet absorb a bad year?

9.0
ND/EBITDA —
Debt / Eq 0.0×
Debt payback 0.0 yr
Cash / Debt —
Cash runway —
Current ratio —
F-score —
Interest cover —
Payout —
Quick ratio —

1 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Growth

Is the business getting bigger, and is it getting more profitable?

1.0
Sales/sh Y/Y -14.0%
EPS CAGR 4Y -8.4%
Sales Q/Q -24.4%
Div. growth —
EBIT CAGR —
EBIT Y/Y —
EPS Y/Y —
EPS next Y —
Sales CAGR 4Y —
Shares change —

1 of 13 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

A measure absent from a block could not be computed from this company's filings. It is left out rather than scored as though it were bad, and the dimension is averaged over what remains. A score is measured against a fixed scale this model states; the bar is measured against the other companies, so the two can disagree — and where they do, that disagreement is the more interesting figure.