NYSE · Financial Statements

Customers Bancorp, Inc (CUBI) Financial Statements

$84.54 NYSE: CUBI Market Cap $2.86B

Customers Bancorp, Inc most recently reported annual revenue of $1.4B, net profit of $224.0M. Revenue grew at an average annual rate of 18.7% over the last 5 fiscal years. See the full income statement, balance sheet, and cash flow statement below, plus valuation and return ratios.

Customers Bancorp, Inc: Revenue rose from $377.0M in 2016 to $1.4B in 2025, a change of +275.3% over 9 years; net profit was positive in all 10 reported years; operating margin moved from 33.1% to 22.0%, a shift of -11.1 percentage points; the most recent year shows net profit of $224.0M.

Income Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Revenue$377.0M$449.0M$475.0M$496.0M$601.0M$845.0M$895.0M$1.4B$1.4B$1.4B
Operating Expenses$252.0M$326.0M$384.0M$388.0M$411.0M$403.0M$604.0M$1.1B$1.1B$1.1B
Operating Profit$125.0M$124.0M$91.0M$108.0M$190.0M$441.0M$291.0M$331.0M$224.0M$311.0M
Operating Margin33.1%27.6%19.2%21.7%31.6%52.2%32.5%23.3%16.5%22.0%
Other Income$0$0$0$0$0$0$0$0$0$-22.0M
Interest$73.0M$106.0M$160.0M$186.0M$140.0M$96.0M$262.0M$680.0M$673.0M$609.0M
Depreciation$6.0M$11.0M$14.0M$14.0M$19.0M$22.0M$27.0M$32.0M$34.0M$41.0M
Profit Before Tax$125.0M$124.0M$91.0M$108.0M$190.0M$441.0M$291.0M$331.0M$224.0M$288.0M
Tax$36.8M$36.4M$21.3M$24.5M$24.6M$19.7M$21.7M$24.4M$19.1M$22.3M
Net Profit$79.0M$79.0M$72.0M$79.0M$133.0M$315.0M$228.0M$250.0M$181.0M$224.0M
EPS$2.31$1.97$1.78$2.05$4.07$10.08$6.51$7.32$5.09$6.20
Dividend Payout0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%

Quarterly Results — Last 12 Quarters (USD millions)

8 duplicate period labels in the source data were collapsed.

MetricSep '23Dec '23Mar '24Jun '24Sep '24Dec '24Mar '25Jun '25Sep '25Dec '25Mar '26Jun '26
Revenue$390.0M$361.0M$349.0M$362.0M$337.0M$314.0M$286.0M$354.0M$388.0M$388.0M$371.0M$345.0M
Operating Expenses$280.0M$277.0M$284.0M$284.0M$291.0M$278.0M$274.0M$275.0M$287.0M$268.0M$280.0M$289.0M
Operating Profit$110.0M$84.0M$65.0M$77.0M$46.0M$36.0M$12.0M$79.0M$100.0M$120.0M$90.0M$55.0M
Operating Margin28.2%23.3%18.7%21.3%13.7%11.4%4.2%22.3%25.9%30.9%24.4%16.1%
Interest$177.0M$173.0M$171.0M$166.0M$174.0M$162.0M$147.0M$151.0M$160.0M$151.0M$145.0M$151.0M
Profit Before Tax$110.0M$84.0M$65.0M$77.0M$46.0M$36.0M$12.0M$79.0M$100.0M$97.0M$90.0M$89.0M
Tax$21.3M$26.0M$23.9M$24.7M$-1.6M$24.9M$-8.6M$22.8M$24.5M$23.4M$22.9M$20.0M
Net Profit$87.0M$62.0M$50.0M$58.0M$47.0M$27.0M$13.0M$61.0M$76.0M$74.0M$70.0M$72.0M
EPS$2.58$1.79$1.40$1.66$1.31$0.71$0.29$1.73$2.20$1.98$1.97$2.05

Over the 10 years reported for Customers Bancorp, Inc, borrowings decreased from $1.8B in 2016 to $1.7B in 2025, cash stood at $62.0M in the latest year, shareholders' equity was $36.0M, current assets covered current liabilities 0.01 times.

Balance Sheet — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Total Assets$9.4B$9.8B$9.8B$11.5B$18.4B$19.6B$20.9B$21.3B$22.3B$24.9B
Current Assets$782.0M$645.0M$760.0M$846.0M$2.0B$4.4B$3.6B$6.6B$6.1B$166.0M
Cash$265.0M$146.0M$62.0M$213.0M$693.0M$518.0M$456.0M$3.8B$3.8B$62.0M
Inventory$0$0$0$0$0$0$0$0$0$0
Receivables$24.0M$27.0M$33.0M$38.0M$80.0M$92.0M$123.0M$320.0M$323.0M$104.0M
Fixed Assets$13.0M$12.0M$11.0M$9.0M$11.0M$9.0M$9.0M$7.0M$7.0M$17.0M
Capital Work in Progress$0$0$0$0$0$0$0$0$0$0
Investments$8.8B$9.1B$9.2B$10.6B$17.0B$18.2B$19.5B$16.6B$17.5B$23.8B
Other Assets$0$0$0$0$0$0$0$0$0$0
Total Liabilities$8.5B$8.9B$8.9B$10.5B$17.3B$18.2B$19.5B$19.7B$20.5B$22.8B
Current Liabilities$8.2B$7.0B$7.4B$10.2B$12.6B$17.8B$18.7B$17.9B$18.9B$15.8B
Borrowings$1.8B$2.1B$1.7B$1.7B$1.4B$1.2B$1.1B$1.5B$1.4B$1.7B
Other Liabilities$6.7B$6.9B$7.2B$8.8B$15.9B$17.0B$18.4B$18.2B$19.1B$21.1B
Equity$31.0M$32.0M$32.0M$33.0M$33.0M$35.0M$35.0M$35.0M$36.0M$36.0M
Reserves$856.0M$921.0M$957.0M$1.1B$1.1B$1.4B$1.4B$1.6B$1.8B$2.1B

For Customers Bancorp, Inc, operating cash flow was positive in 9 of 10 reported years; free cash flow in the latest year was $334.0M; free cash flow was positive in 9 of 10 years.

Cash Flow Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Operating Cash Flow$91.0M$62.0M$97.0M$78.0M$152.0M$271.0M$-21.0M$125.0M$145.0M$495.0M
Investing Cash Flow$-967.0M$-589.0M$-145.0M$-1.5B$-6.5B$-1.2B$-1.4B$3.1B$-1.1B$-2.2B
Financing Cash Flow$1.4B$-445.0M$360.0M$1.9B$2.4B$5.2B$1.3B$-280.0M$909.0M$1.7B
Net Cash Flow$0$-118.0M$-84.0M$150.0M$481.0M$-175.0M$-62.0M$3.4B$-60.0M$626.0M
Free Cash Flow$86.0M$38.0M$57.0M$28.0M$123.0M$238.0M$-134.0M$83.0M$80.0M$334.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.09
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y20.89%
Return 3Y90.37%
Return 5Y103.59%

Customers Bancorp, Inc (CUBI) financials — frequently asked questions

What is Customers Bancorp, Inc's annual revenue?

Customers Bancorp, Inc (CUBI) reported annual revenue of $1.4B in its most recent fiscal year.

What is Customers Bancorp, Inc's net profit?

Customers Bancorp, Inc (CUBI) reported net profit of $224.0M in its most recent fiscal year.

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