Customers Financial Statements From 2010 to 2024

CUBB Stock  USD 19.96  0.46  2.36%   
Customers Bancorp financial statements provide useful quarterly and yearly information to potential Customers Bancorp investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on Customers Bancorp financial statements helps investors assess Customers Bancorp's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting Customers Bancorp's valuation are summarized below:
We have found one hundred twenty available fundamental signals for Customers Bancorp, which can be analyzed and compared to other ratios and to its rivals. All investors should make sure to validate all of Customers Bancorp prevailing market performance against the performance between 2010 and 2024 to make sure the company can sustain itself down the road. The current year's Market Cap is expected to grow to about 819.4 M, whereas Enterprise Value is projected to grow to (1.7 B).

Customers Bancorp Total Revenue

1.44 Billion

Check Customers Bancorp financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Customers Bancorp's main balance sheet or income statement drivers, such as Interest Expense of 713.9 M, Selling And Marketing Expenses of 2.2 M or Total Revenue of 1.4 B, as well as many indicators such as Price To Sales Ratio of 0.85, Dividend Yield of 0.0124 or PTB Ratio of 0.35. Customers financial statements analysis is a perfect complement when working with Customers Bancorp Valuation or Volatility modules.
  
Check out the analysis of Customers Bancorp Correlation against competitors.
For information on how to trade Customers Stock refer to our How to Trade Customers Stock guide.

Customers Bancorp Balance Sheet

Current ValueLast YearHistorical Average 10 Year Trend
Total Assets12.3 B21.3 B10.7 B
Slightly volatile
Total Stockholder Equity940.2 M1.6 B813.3 M
Slightly volatile
CashB3.8 B684 M
Slightly volatile
Other Assets6.3 BB2.7 B
Slightly volatile
Cash And Short Term Investments2.6 B2.5 B719.4 M
Slightly volatile
Net Receivables8.8 B12.8 B7.6 B
Slightly volatile
Short Term Investments1.2 B2.4 BB
Slightly volatile
Liabilities And Stockholders Equity12.3 B21.3 B10.7 B
Slightly volatile
Other Stockholder Equity416.7 M442.1 M365.9 M
Slightly volatile
Total Current Assets16.1 B15.3 BB
Slightly volatile
Property Plant And Equipment NetM7.4 M14.8 M
Slightly volatile
Retained Earnings1.2 B1.2 B404.8 M
Slightly volatile
Non Current Assets Total10.4 M11 M4.6 B
Slightly volatile
Common Stock34.5 M35.5 M30.3 M
Slightly volatile
Long Term Debt280.4 M351.2 M249.8 M
Slightly volatile
Long Term Debt Total280.4 M351.2 M249.8 M
Slightly volatile
Capital Surpluse466.7 M523.9 M417.4 M
Slightly volatile
Total Liabilities14.6 B19.7 B11.6 B
Slightly volatile
Intangible Assets3.1 M3.3 MM
Very volatile
Property Plant Equipment16.2 M13.4 M13.1 M
Slightly volatile
Earning AssetsB1.2 B1.7 B
Slightly volatile
Common Stock Shares Outstanding35.4 M32.2 M31.5 M
Slightly volatile
Short and Long Term Debt Total1.8 B1.5 B1.9 B
Very volatile
Total Current Liabilities182.6 M192.2 M4.4 B
Pretty Stable
Non Current Liabilities Total10.6 B19.5 B8.3 B
Slightly volatile
Short Term Debt28.2 M29.7 M518.5 M
Slightly volatile
Net Tangible Assets708.3 M796.8 M867.6 M
Slightly volatile
Accounts Payable153.4 M172.6 M188 M
Slightly volatile
Common Stock Total Equity26.4 M29.7 M32.3 M
Slightly volatile
Retained Earnings Total Equity350.9 M394.7 M429.8 M
Slightly volatile
Long Term Investments63.3 M71.2 M77.5 M
Slightly volatile
Preferred Stock Total Equity174 M195.7 M213.1 M
Slightly volatile
Non Current Liabilities Other4.2 B4.7 B5.2 B
Slightly volatile

Customers Bancorp Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Interest Expense713.9 M679.9 M173.7 M
Slightly volatile
Selling And Marketing Expenses2.2 M3.1 M1.9 M
Slightly volatile
Total Revenue1.4 B1.4 B502.7 M
Slightly volatile
Gross Profit1.4 B1.4 B502.7 M
Slightly volatile
Operating Income202.1 M330.7 M158.3 M
Slightly volatile
EBIT186 M330.7 M146.5 M
Slightly volatile
EBITDA192.3 M330.7 M151.1 M
Slightly volatile
Income Before Tax189.8 M330.7 M149.2 M
Slightly volatile
Net Income187.3 M250.1 M143.9 M
Slightly volatile
Tax Provision25.2 M20.5 M28.1 M
Slightly volatile
Net Interest Income274.6 M318.9 M243.7 M
Slightly volatile
Interest Income401.9 M533.3 M360.2 M
Slightly volatile
Net Income Applicable To Common Shares78.9 M136.3 M77.5 M
Slightly volatile
Depreciation And Amortization25.5 M29.9 M23.2 M
Slightly volatile
Selling General Administrative97.5 M100.7 M69.5 M
Slightly volatile
Preferred Stock And Other Adjustments11.2 M12.6 M13.8 M
Slightly volatile
Net Income From Continuing Ops106.1 M119.3 M129.9 M
Slightly volatile

Customers Bancorp Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
Net Income262.7 M250.1 M89.9 M
Slightly volatile
Stock Based Compensation8.2 M12.6 M6.8 M
Slightly volatile
Begin Period Cash Flow289.5 M524.2 M247.9 M
Slightly volatile
Depreciation1.8 M1.9 M8.9 M
Slightly volatile
Net Borrowings3.3 B3.7 BB
Slightly volatile
Cash And Cash Equivalents Changes384.7 M432.8 M471.2 M
Slightly volatile
Change To Netincome38.1 M42.9 M46.7 M
Slightly volatile
Change To Liabilities30.8 M34.6 M37.7 M
Slightly volatile

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio0.850.89242.6011
Slightly volatile
Dividend Yield0.01240.0240.0112
Slightly volatile
PTB Ratio0.350.37220.9691
Slightly volatile
Days Sales Outstanding8.1 K6.9 K7.2 K
Pretty Stable
Book Value Per Share54.7252.11930.8702
Slightly volatile
Stock Based Compensation To Revenue0.0250.01840.0229
Slightly volatile
Capex To Depreciation22.6721.58854.1981
Slightly volatile
PB Ratio0.350.37220.9691
Slightly volatile
ROIC0.07820.09840.0966
Pretty Stable
Net Income Per Share4.077.95734.5507
Slightly volatile
Sales General And Administrative To Revenue0.420.40090.1556
Slightly volatile
Capex To Revenue0.0330.06050.0393
Very volatile
Cash Per Share20919962.0875
Slightly volatile
Interest Coverage0.570.59761.8601
Slightly volatile
Payout Ratio0.110.05850.083
Pretty Stable
ROE0.110.15270.1344
Slightly volatile
PE Ratio2.322.4389.9579
Slightly volatile
Return On Tangible Assets0.00860.01170.0102
Slightly volatile
Earnings Yield0.430.41020.2137
Slightly volatile
Intangibles To Total Assets2.0E-42.0E-48.0E-4
Slightly volatile
Current Ratio83.5479.557940.4035
Slightly volatile
Tangible Book Value Per Share54.652.003530.61
Slightly volatile
Receivables Turnover0.04070.05320.0508
Slightly volatile
Graham Number10196.598954.8506
Slightly volatile
Shareholders Equity Per Share54.7252.11930.4353
Slightly volatile
Debt To Equity1.220.9061.2827
Slightly volatile
Capex Per Share1.381.31510.5749
Slightly volatile
Revenue Per Share11.0621.739712.5534
Slightly volatile
Interest Debt Per Share40.368.847841.0999
Slightly volatile
Debt To Assets0.0880.06960.0984
Slightly volatile
Price Earnings Ratio2.322.4389.9579
Slightly volatile
Operating Cycle5.5 K6.2 K6.7 K
Slightly volatile
Price Book Value Ratio0.350.37220.9691
Slightly volatile
Dividend Payout Ratio0.110.05850.083
Pretty Stable
Pretax Profit Margin0.420.4840.3877
Very volatile
Ebt Per Ebit1.050.8141.0276
Pretty Stable
Operating Profit Margin0.330.59460.416
Very volatile
Company Equity Multiplier10.413.010512.8983
Very volatile
Long Term Debt To Capitalization0.330.47530.3866
Pretty Stable
Total Debt To Capitalization0.420.47530.484
Slightly volatile
Return On Capital Employed0.01970.01920.0227
Slightly volatile
Debt Equity Ratio1.220.9061.2827
Slightly volatile
Ebit Per Revenue0.330.59460.416
Very volatile
Quick Ratio83.5479.557941.4511
Slightly volatile
Net Income Per E B T0.660.75630.7981
Slightly volatile
Cash Ratio23.2820.010932.404
Slightly volatile
Cash Conversion Cycle5.5 K6.2 K6.7 K
Slightly volatile
Days Of Sales Outstanding8.1 K6.9 K7.2 K
Pretty Stable
Price To Book Ratio0.350.37220.9691
Slightly volatile
Fixed Asset Turnover97.3592.715130.7836
Slightly volatile
Debt Ratio0.0880.06960.0984
Slightly volatile
Price Sales Ratio0.850.89242.6011
Slightly volatile
Return On Assets0.00860.01170.0102
Slightly volatile
Asset Turnover0.02690.03210.0323
Slightly volatile
Net Profit Margin0.250.3660.3029
Slightly volatile
Gross Profit Margin1.091.81.56
Slightly volatile
Price Fair Value0.350.37220.9691
Slightly volatile
Return On Equity0.110.15270.1344
Slightly volatile

Customers Bancorp Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Market Cap819.4 M609.9 M745 M
Pretty Stable

Customers Fundamental Market Drivers

Cash And Short Term Investments2.5 B

About Customers Bancorp Financial Statements

Customers Bancorp stakeholders use historical fundamental indicators, such as Customers Bancorp's revenue or net income, to determine how well the company is positioned to perform in the future. Although Customers Bancorp investors may analyze each financial statement separately, they are all interrelated. For example, changes in Customers Bancorp's assets and liabilities are reflected in the revenues and expenses on Customers Bancorp's income statement, which ultimately affect the company's gains or losses. Understanding these patterns can help in making the right long-term investment decisions in Customers Bancorp. Please read more on our technical analysis and fundamental analysis pages.
Last ReportedProjected for Next Year
Total Revenue1.4 B1.4 B
Cost Of Revenue-615.6 M-646.3 M
Stock Based Compensation To Revenue 0.02  0.03 
Sales General And Administrative To Revenue 0.40  0.42 
Capex To Revenue 0.06  0.03 
Revenue Per Share 21.74  11.06 
Ebit Per Revenue 0.59  0.33 

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Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.
When determining whether Customers Bancorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Customers Bancorp's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Customers Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Customers Bancorp Stock:
Check out the analysis of Customers Bancorp Correlation against competitors.
For information on how to trade Customers Stock refer to our How to Trade Customers Stock guide.
You can also try the Piotroski F Score module to get Piotroski F Score based on the binary analysis strategy of nine different fundamentals.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Customers Bancorp. If investors know Customers will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Customers Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
The market value of Customers Bancorp is measured differently than its book value, which is the value of Customers that is recorded on the company's balance sheet. Investors also form their own opinion of Customers Bancorp's value that differs from its market value or its book value, called intrinsic value, which is Customers Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Customers Bancorp's market value can be influenced by many factors that don't directly affect Customers Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Customers Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if Customers Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Customers Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.