Customers Ban Nt Financials
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).
Leverage turns modest asset returns into equity profits, while cash generation depends more on balance-sheet movement than sales growth.
From FY2023 to FY2025, revenue stayed near-flat around$1.33B to$1.36B , yet operating cash flow jumped from$125M to$495M and free cash flow reached$481M . With capex only$13.7M in FY2025, that cash improvement looks driven more by balance-sheet runoff or working-capital release than by headline sales expansion.
ROE is being amplified by leverage, not exceptional asset productivity: FY2025 return on assets was only
Funding costs are a core constraint: interest expense was
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →
Health score ≠ stock price. This rates the quality of Customers Ban Nt's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
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 33/100.
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.
Customers Ban Nt converts 35.4% of revenue into free cash flow ($481.0M). This strong cash generation earns a score of 82/100.
Customers Ban Nt's ROE of 10.6% shows moderate profitability relative to equity, earning a score of 36/100. This is up from 9.9% the prior year.
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.
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
Earnings & Revenue
Customers Ban Nt generated $1.4B in revenue in fiscal year 2025. This represents an increase of 2.4% from the prior year.
Customers Ban Nt reported $224.1M in net income in fiscal year 2025. This represents an increase of 23.5% from the prior year.
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 & Balance Sheet
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.
Customers Ban Nt held $4.4B in cash against $0 in long-term debt as of fiscal year 2025.
Customers Ban Nt had 34M shares outstanding in fiscal year 2025. This represents an increase of 9.1% from the prior year.
Margins & Returns
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.
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.
Capital Allocation
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.
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 | 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 | $51.7M+6.2% | $48.7M+6.3% | $45.8M+7.4% | $42.7M-9.5% | $47.1M-1.2% | $47.7M+6.2% | $44.9M+24.8% | $36.0M |
| 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 | 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 | 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 | 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 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.
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 to 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 25 out of 100 on our Financial Profile, indicating weak 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.