Customers Financial Statements From 2010 to 2025

CUBI Stock  USD 50.99  0.20  0.39%   
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:
Gross Profit
641.4 M
Profit Margin
0.2829
Market Capitalization
1.6 B
Enterprise Value Revenue
4.5759
Revenue
641.4 M
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. Traders should compare all of Customers Bancorp prevailing fundamentals against the fundamentals between 2010 and 2025 to make sure the company is sustainable this year. The Customers Bancorp's current Market Cap is estimated to increase to about 1.6 B. The Customers Bancorp's current Enterprise Value is estimated to increase to about 3 B

Customers Bancorp Total Revenue

1.39 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 Depreciation And Amortization of 35.2 M, Interest Expense of 707.1 M or Selling General Administrative of 123.2 M, as well as many indicators such as Price To Sales Ratio of 1.1, Dividend Yield of 0.0089 or PTB Ratio of 1.11. 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 more detail on how to invest in Customers Stock please use our How to Invest in Customers Bancorp guide.

Customers Bancorp Balance Sheet

Current ValueLast YearHistorical Average 10 Year Trend
Total Assets12.4 B22.3 B11.3 B
Slightly volatile
Total Stockholder Equity957.3 M1.8 B875.7 M
Slightly volatile
Other Liabilities8.2 M8.6 M44.5 M
Very volatile
Retained Earnings1.4 B1.3 B463.9 M
Slightly volatile
Accounts Payable141.4 M207.6 M179.8 M
Pretty Stable
Cash53.9 M56.8 M464 M
Slightly volatile
Long Term Debt1.4 B1.3 B543.5 M
Slightly volatile
Common Stock Shares Outstanding30.4 M32.7 M27.8 M
Slightly volatile
Short Term Investments1.2 BB1.1 B
Slightly volatile
Total Liabilities11.4 B20.5 B10.5 B
Slightly volatile
Common Stock30.7 M35.8 M28.1 M
Slightly volatile
Property Plant Equipment266.9 M254.2 M67.9 M
Slightly volatile
Short and Long Term Debt Total1.4 B1.4 B1.3 B
Slightly volatile
Total Current Liabilities95 M100 M463.2 M
Pretty Stable
Property Plant And Equipment Net8.1 M6.7 M9.9 M
Slightly volatile
Non Current Assets Total9.8 M10.3 M1.7 B
Slightly volatile
Cash And Short Term Investments1.7 B2.1 B1.4 B
Slightly volatile
Net Receivables307.1 M323.3 MB
Pretty Stable
Good Will8.6 M11.9 M8.2 M
Slightly volatile
Common Stock Total Equity30.5 M39.9 M28.5 M
Slightly volatile
Liabilities And Stockholders Equity13.2 B22.3 B11.4 B
Slightly volatile
Non Current Liabilities Total2.3 B1.3 BB
Slightly volatile
Other Current Assets5.6 B4.6 B4.8 B
Pretty Stable
Other Stockholder Equity414.4 M433.7 M363.2 M
Slightly volatile
Property Plant And Equipment Gross18.1 M31.3 M16.1 M
Slightly volatile
Total Current Assets17.3 B16.5 B7.2 B
Slightly volatile
Intangible Assets6.4 M4.2 M5.5 M
Pretty Stable
Net Tangible Assets781.9 M1.5 B740.3 M
Slightly volatile
Long Term Debt Total294.1 M465.5 M324.3 M
Very volatile
Capital Surpluse436 M623.7 M408.3 M
Slightly volatile
Long Term Investments1.9 BB1.7 B
Slightly volatile
Short Term Debt95 M100 M619.5 M
Slightly volatile
Non Current Liabilities Other764.8 M805 M1.3 B
Very volatile
Short and Long Term Debt95 M100 MB
Slightly volatile
Earning AssetsB1.2 B1.7 B
Slightly volatile
Net Invested Capital3.3 B3.1 B2.9 B
Pretty Stable
Capital Stock164.8 M173.6 M225.3 M
Slightly volatile

Customers Bancorp Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization35.2 M33.6 M12.9 M
Slightly volatile
Interest Expense707.1 M673.4 M203.4 M
Slightly volatile
Selling General Administrative123.2 M217.5 M112.7 M
Slightly volatile
Selling And Marketing Expenses4.7 M4.5 M2.2 M
Slightly volatile
Total Revenue1.4 B1.3 B497.7 M
Slightly volatile
Gross Profit1.4 B1.3 B497.4 M
Slightly volatile
Operating Income1.4 B1.3 B330.6 M
Slightly volatile
EBIT196.2 M380.4 M192.1 M
Slightly volatile
EBITDA437.2 M416.4 M218.1 M
Slightly volatile
Cost Of Revenue67.1 M81.1 M65 M
Slightly volatile
Income Before Tax160.8 M224.4 M147.1 M
Slightly volatile
Net Income Applicable To Common Shares263.7 M251.2 M113.1 M
Slightly volatile
Net Income117.4 M181.5 M107.4 M
Slightly volatile
Income Tax Expense39.8 M42.9 M36.4 M
Slightly volatile
Net Income From Continuing Ops145.4 M181.5 M119.4 M
Slightly volatile
Tax Provision51.8 M42.9 M42 M
Slightly volatile
Net Interest Income469.2 M654.4 M357.2 M
Slightly volatile
Interest Income732.1 M1.3 B539.8 M
Slightly volatile
Preferred Stock And Other Adjustments13.2 M16.7 M9.7 M
Slightly volatile
Non Recurring350.6 K369 K747.2 K
Slightly volatile
Reconciled Depreciation25.3 M33.6 M17.8 M
Slightly volatile

Customers Bancorp Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
Stock Based Compensation8.8 M14.4 M8.1 M
Slightly volatile
Begin Period Cash Flow108.3 M114 M250.7 M
Slightly volatile
Depreciation35.2 M33.6 M15.4 M
Slightly volatile
Capital Expenditures68.4 M65.2 M30.4 M
Slightly volatile
Net Income121 M181.5 M110.7 M
Slightly volatile
End Period Cash Flow159 M167.3 M492 M
Slightly volatile
Issuance Of Capital Stock1.7 M1.8 M4.2 M
Very volatile

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio1.11.15522.2512
Slightly volatile
Dividend Yield0.00890.00990.0095
Slightly volatile
PTB Ratio1.110.83511.0178
Slightly volatile
Days Sales Outstanding84.4188.85642.3 K
Slightly volatile
Book Value Per Share61.258.290431.3898
Slightly volatile
Stock Based Compensation To Revenue0.03050.02120.0275
Slightly volatile
Capex To Depreciation1.431.171.5915
Slightly volatile
PB Ratio1.110.83511.0178
Slightly volatile
Payables Turnover0.150.120.1199
Slightly volatile
Sales General And Administrative To Revenue0.160.16380.352
Slightly volatile
Capex To Revenue0.05130.05440.0603
Slightly volatile
Cash Per Share44.5165.900852.3068
Slightly volatile
Days Payables Outstanding2.3 K3.2 K3.2 K
Slightly volatile
Intangibles To Total Assets2.0E-42.0E-47.0E-4
Slightly volatile
Current Ratio17316561.9191
Pretty Stable
Tangible Book Value Per Share61.0858.175231.1738
Slightly volatile
Receivables Turnover5.554.10775.2497
Pretty Stable
Graham Number91.2686.910550.651
Slightly volatile
Shareholders Equity Per Share61.258.290431.3898
Slightly volatile
Debt To Equity0.730.76761.5783
Slightly volatile
Capex Per Share0.591.180.8288
Slightly volatile
Revenue Per Share44.2542.141215.3828
Slightly volatile
Interest Debt Per Share35.0566.119145.859
Slightly volatile
Debt To Assets0.060.06320.1222
Slightly volatile
Operating Cycle84.4188.85642.3 K
Slightly volatile
Price Book Value Ratio1.110.83511.0178
Slightly volatile
Days Of Payables Outstanding2.3 K3.2 K3.2 K
Slightly volatile
Ebt Per Ebit0.160.16951.0084
Slightly volatile
Effective Tax Rate0.310.19120.2859
Slightly volatile
Company Equity Multiplier14.4712.145913.2329
Very volatile
Long Term Debt To Capitalization0.310.41630.4032
Very volatile
Total Debt To Capitalization0.610.43430.5805
Slightly volatile
Debt Equity Ratio0.730.76761.5783
Slightly volatile
Quick Ratio17316562.1298
Pretty Stable
Net Income Per E B T0.570.80880.697
Slightly volatile
Cash Ratio0.540.56793.0157
Very volatile
Days Of Sales Outstanding84.4188.85642.3 K
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.970.61.1737
Pretty Stable
Price To Book Ratio1.110.83511.0178
Slightly volatile
Fixed Asset Turnover20919955.2318
Slightly volatile
Debt Ratio0.060.06320.1222
Slightly volatile
Price Sales Ratio1.11.15522.2512
Slightly volatile
Asset Turnover0.06250.05950.0349
Slightly volatile
Gross Profit Margin0.780.880.9625
Slightly volatile
Price Fair Value1.110.83511.0178
Slightly volatile

Customers Bancorp Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Market Cap1.6 B1.5 B860.6 M
Slightly volatile

Customers Fundamental Market Drivers

Cash And Short Term Investments2.1 B

Customers Upcoming Events

25th of April 2024
Upcoming Quarterly Report
View
25th of July 2024
Next Financial Report
View
31st of March 2024
Next Fiscal Quarter End
View
23rd of January 2025
Next Fiscal Year End
View
31st of December 2023
Last Quarter Report
View
31st of December 2023
Last Financial Announcement
View

About Customers Bancorp Financial Statements

Investors use 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's investors may analyze each financial statement separately, they are all interrelated. Understanding these patterns can help investors make the right trading decisions.
Last ReportedProjected for Next Year
Current Deferred Revenue-375.6 M-394.3 M
Total Revenue1.3 B1.4 B
Cost Of Revenue81.1 M67.1 M
Stock Based Compensation To Revenue 0.02  0.03 
Sales General And Administrative To Revenue 0.16  0.16 
Capex To Revenue 0.05  0.05 
Revenue Per Share 42.14  44.25 
Ebit Per Revenue 1.00  1.05 

Currently Active Assets on Macroaxis

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 more detail on how to invest in Customers Stock please use our How to Invest in Customers Bancorp guide.
You can also try the Fundamental Analysis module to view fundamental data based on most recent published financial statements.
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.
Quarterly Earnings Growth
(0.60)
Earnings Share
5.09
Revenue Per Share
20.356
Quarterly Revenue Growth
(0.18)
Return On Assets
0.0083
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.