Customers Ban Nt Financials

CUBB

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Customers Ban Nt (CUBB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 44/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Customers Ban Nt's revenue grew a modest 2.4% year-over-year to $1.4B. This slow but positive growth earns a score of 35/100.

Leverage

Customers Ban Nt has elevated debt relative to equity (D/E of 10.77), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

100

Customers Ban Nt converts 35.4% of revenue into free cash flow ($481.0M). This strong cash generation earns a score of 100/100.

Returns

Customers Ban Nt's ROE of 10.6% shows moderate profitability relative to equity, earning a score of 42/100. This is up from 9.9% the prior year.

Piotroski F-Score Neutral

4/9

Customers Ban Nt passes 4 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Cash-Backed

2.21x

For every $1 of reported earnings, Customers Ban Nt generates $2.21 in operating cash flow ($494.8M OCF vs $224.1M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

Export CSV

Revenue

$1.4B

YoY+2.4%

5Y CAGR+102.2%

10Y CAGR+18.5%

Customers Ban Nt generated $1.4B in revenue in fiscal year 2025. This represents an increase of 2.4% from the prior year.

EBITDA

N/A

Free Cash Flow

$481.0M

YoY+235.1%

5Y CAGR+30.2%

Customers Ban Nt generated $481.0M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 235.1% from the prior year.

Net Income

$224.1M

YoY+23.5%

5Y CAGR+11.1%

10Y CAGR+14.4%

Customers Ban Nt reported $224.1M in net income in fiscal year 2025. This represents an increase of 23.5% from the prior year.

EPS (Diluted)

$6.26

YoY+23.0%

5Y CAGR+10.9%

10Y CAGR+12.3%

Customers Ban Nt earned $6.26 per diluted share (EPS) in fiscal year 2025. This represents an increase of 23.0% from the prior year.

Cash & Debt

$4.4B

YoY+16.5%

5Y CAGR+44.8%

10Y CAGR+32.5%

Customers Ban Nt held $4.4B in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

34M

YoY+9.1%

5Y CAGR+1.5%

10Y CAGR+2.4%

Customers Ban Nt had 34M shares outstanding in fiscal year 2025. This represents an increase of 9.1% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

16.5%

YoY+2.8pp

5Y CAGR-313.4pp

10Y CAGR-7.0pp

Customers Ban Nt's net profit margin was 16.5% in fiscal year 2025, showing the share of revenue converted to profit. This is up 2.8 percentage points from the prior year.

Return on Equity

10.6%

YoY+0.7pp

5Y CAGR-1.3pp

10Y CAGR+0.0pp

Customers Ban Nt's ROE was 10.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.7 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

$5.6M

YoY-70.7%

Customers Ban Nt spent $5.6M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 70.7% from the prior year.

Capital Expenditures

$13.7M

YoY+821.5%

5Y CAGR+24.1%

10Y CAGR+16.7%

Customers Ban Nt invested $13.7M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 821.5% from the prior year.

CUBB Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$1.4B+2.4%	$1.3B-2.9%	$1.4B+54.4%	$885.4M+13.4%	$780.9M+1842.8%	$40.2M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$609.1M-9.6%	$673.4M-1.0%	$679.9M+159.9%	$261.7M+173.1%	$95.8M-31.4%	$139.6M
Income Tax	$64.3M+50.0%	$42.9M-46.8%	$80.6M+27.4%	$63.3M-27.2%	$86.9M+86.1%	$46.7M
Net Income	$224.1M+23.5%	$181.5M-27.5%	$250.1M+9.7%	$228.0M-27.5%	$314.6M+137.3%	$132.6M
EPS (Diluted)	$6.26+23.0%	$5.09-30.5%	$7.32+12.4%	$6.51-26.9%	$8.91+138.2%	$3.74

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$355.2M-1.7%	$361.5M+10.2%	$328.0M+4.2%	$314.9M-4.5%	$329.9M-0.7%	$332.1M-0.6%	$334.0M+0.7%	$331.8M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$150.8M-5.5%	$159.6M+5.5%	$151.3M+2.6%	$147.5M-9.0%	$162.1M-6.6%	$173.6M+4.3%	$166.4M-2.9%	$171.4M
Income Tax	$22.8M-7.3%	$24.6M+36.9%	$18.0M+1854.2%	-$1.0M-111.4%	$8.9M+1333.9%	-$725K-103.8%	$19.0M+21.6%	$15.7M
Net Income	$74.5M-1.7%	$75.7M+24.3%	$60.9M+372.0%	$12.9M-52.0%	$26.9M-42.4%	$46.7M-19.5%	$58.1M+16.8%	$49.7M
EPS (Diluted)	N/A	$2.20+27.2%	$1.73+496.6%	$0.29	N/A	$1.31-21.1%	$1.66+18.6%	$1.40

CUBB Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$24.9B+11.6%	$22.3B+4.7%	$21.3B+2.0%	$20.9B+6.7%	$19.6B+6.2%	$18.4B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$4.4B+16.5%	$3.8B-1.6%	$3.8B+743.9%	$455.8M-12.0%	$518.0M-25.3%	$693.4M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$22.8B+11.3%	$20.5B+4.0%	$19.7B+0.9%	$19.5B+7.1%	$18.2B+5.1%	$17.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	$0-100.0%	$4.4B
Total Equity	$2.1B+15.2%	$1.8B+12.1%	$1.6B+16.8%	$1.4B+2.7%	$1.4B+22.3%	$1.1B
Retained Earnings	$1.5B+15.8%	$1.3B+14.4%	$1.2B+25.5%	$924.1M+30.9%	$705.7M+60.9%	$438.6M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$24.9B+2.6%	$24.3B+7.6%	$22.6B+0.6%	$22.4B+0.5%	$22.3B+4.0%	$21.5B+2.5%	$20.9B-1.9%	$21.3B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$4.4B+5.4%	$4.2B+19.5%	$3.5B+2.2%	$3.4B-9.4%	$3.8B+22.6%	$3.1B+1.3%	$3.0B-17.6%	$3.7B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$22.8B+2.9%	$22.1B+7.0%	$20.7B+0.6%	$20.6B+0.4%	$20.5B+4.2%	$19.7B+2.4%	$19.2B-2.3%	$19.7B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$2.1B-0.5%	$2.1B+14.1%	$1.9B-0.1%	$1.9B+1.5%	$1.8B+2.0%	$1.8B+3.1%	$1.7B+3.3%	$1.7B
Retained Earnings	$1.5B+4.8%	$1.5B+5.3%	$1.4B+4.2%	$1.3B+0.7%	$1.3B+1.8%	$1.3B+3.4%	$1.3B+4.5%	$1.2B

CUBB Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$494.8M+241.1%	$145.1M+16.3%	$124.7M+698.9%	-$20.8M-107.0%	$295.5M+122.2%	$133.0M
Capital Expenditures	$13.7M+821.5%	$1.5M+152.7%	$590K-85.4%	$4.0M+560.0%	$613K-86.9%	$4.7M
Free Cash Flow	$481.0M+235.1%	$143.6M+15.6%	$124.1M+599.1%	-$24.9M-108.4%	$294.9M+129.8%	$128.4M
Investing Cash Flow	-$2.1B-104.4%	-$1.0B-131.9%	$3.2B+343.2%	-$1.3B-8.1%	-$1.2B+81.3%	-$6.4B
Financing Cash Flow	$2.2B+173.3%	$800.6M+640.7%	$108.1M-91.4%	$1.3B+66.5%	$754.8M-88.9%	$6.8B
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$5.6M-70.7%	$19.2M-51.7%	$39.8M+20.0%	$33.2M+19.9%	$27.7M	$0

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$121.6M+4.0%	$116.9M-27.9%	$162.2M+72.3%	$94.1M-29.4%	$133.4M+446.8%	$24.4M+301.6%	$6.1M+132.3%	-$18.8M
Capital Expenditures	$2.5M-76.2%	$10.5M+12083.7%	$86K-87.5%	$686K+37.5%	$499K+94.9%	$256K-19.5%	$318K-23.9%	$418K
Free Cash Flow	$119.1M+11.9%	$106.4M-34.3%	$162.1M+73.5%	$93.4M-29.7%	$132.9M+450.5%	$24.1M+319.4%	$5.8M+129.9%	-$19.2M
Investing Cash Flow	-$412.1M+59.8%	-$1.0B-760.6%	-$119.2M+76.2%	-$500.0M-91.5%	-$261.1M+32.5%	-$386.7M-98.1%	-$195.2M-19.6%	-$163.2M
Financing Cash Flow	$516.3M-67.5%	$1.6B+4896.3%	$31.8M-34.6%	$48.7M-94.1%	$825.6M+105.5%	$401.7M+186.7%	-$463.4M-1361.0%	$36.8M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$0	$0	$0-100.0%	$5.6M+446.1%	$1.0M-94.3%	$18.2M	$0	$0

CUBB Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	16.5%+2.8pp	13.7%-4.6pp	18.3%-7.5pp	25.8%-14.5pp	40.3%-289.6pp	329.9%
Return on Equity	10.6%+0.7pp	9.9%-5.4pp	15.3%-1.0pp	16.3%-6.8pp	23.0%+11.2pp	11.9%
Return on Assets	0.9%+0.1pp	0.8%-0.4pp	1.2%+0.1pp	1.1%-0.5pp	1.6%+0.9pp	0.7%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	10.77-0.4	11.15-0.9	12.01-1.9	13.89+13.9	0.00-4.0	3.95
FCF Margin	35.4%+24.6pp	10.8%+1.7pp	9.1%+11.9pp	-2.8%-40.6pp	37.8%-281.6pp	319.3%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	21.0%+0.0pp	20.9%+2.4pp	18.6%+14.5pp	4.1%-4.1pp	8.2%-5.9pp	14.1%-3.3pp	17.4%+2.4pp	15.0%
Return on Equity	3.5%-0.0pp	3.6%+0.3pp	3.3%+2.6pp	0.7%-0.8pp	1.5%-1.1pp	2.6%-0.7pp	3.3%+0.4pp	2.9%
Return on Assets	0.3%0.0pp	0.3%+0.0pp	0.3%+0.2pp	0.1%-0.1pp	0.1%-0.1pp	0.2%-0.1pp	0.3%+0.1pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	10.77+0.4	10.41-0.7	11.10+0.1	11.03-0.1	11.15+0.2	10.91-0.1	10.99-0.6	11.62
FCF Margin	33.5%+4.1pp	29.4%-20.0pp	49.4%+19.7pp	29.7%-10.6pp	40.3%+33.0pp	7.3%+5.5pp	1.7%+7.5pp	-5.8%

Frequently Asked Questions

What is Customers Ban Nt's annual revenue?

Customers Ban Nt (CUBB) reported $1.4B in total revenue for fiscal year 2025. This represents a 2.4% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Customers Ban Nt's revenue growing?

Customers Ban Nt (CUBB) revenue grew by 2.4% year-over-year, from $1.3B to $1.4B in fiscal year 2025.

Is Customers Ban Nt profitable?

Yes, Customers Ban Nt (CUBB) reported a net income of $224.1M in fiscal year 2025, with a net profit margin of 16.5%.

What is Customers Ban Nt's earnings per share (EPS)?

Customers Ban Nt (CUBB) reported diluted earnings per share of $6.26 for fiscal year 2025. This represents a 23.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

What is Customers Ban Nt's net profit margin?

Customers Ban Nt (CUBB) had a net profit margin of 16.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Customers Ban Nt's return on equity (ROE)?

Customers Ban Nt (CUBB) has a return on equity of 10.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Customers Ban Nt's free cash flow?

Customers Ban Nt (CUBB) generated $481.0M in free cash flow during fiscal year 2025. This represents a 235.1% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Customers Ban Nt's operating cash flow?

Customers Ban Nt (CUBB) generated $494.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Customers Ban Nt's total assets?

Customers Ban Nt (CUBB) had $24.9B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Customers Ban Nt's capital expenditures?

Customers Ban Nt (CUBB) invested $13.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Customers Ban Nt buy back shares?

Yes, Customers Ban Nt (CUBB) spent $5.6M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Customers Ban Nt have outstanding?

Customers Ban Nt (CUBB) had 34M shares outstanding as of fiscal year 2025.

What is Customers Ban Nt's debt-to-equity ratio?

Customers Ban Nt (CUBB) had a debt-to-equity ratio of 10.77 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Customers Ban Nt's return on assets (ROA)?

Customers Ban Nt (CUBB) had a return on assets of 0.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Customers Ban Nt's Piotroski F-Score?

Customers Ban Nt (CUBB) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Customers Ban Nt's earnings high quality?

Customers Ban Nt (CUBB) has an earnings quality ratio of 2.21x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Customers Ban Nt?

Customers Ban Nt (CUBB) scores 44 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.