What is CUSTOMERS BANCORP INC's earnings per share (EPS)?

CUSTOMERS BANCORP INC (CUBI) 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.

CUSTOMERS BANCORP INC (CUBI) Financials

CUBI

Trailing 12 months to June 30, 2026

Revenue $922.1M +34.9% YoY

Net Income $291.4M +97.6% YoY

EPS (Diluted) $8.24 +103.5% YoY

Free Cash Flow $366.6M -11.1% YoY

Market Cap $2.5B as of Oct 12, 2026

Price / Sales 2.7x on $922.1M revenue, trailing 12 months to June 30, 2026

Price / Earnings 8.7x on $291.4M net income, trailing 12 months to June 30, 2026

Price / Book 1.1x on $2.2B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 12, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 7, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the CUBI SEC filings page.

CUSTOMERS BANCORP INC (CUBI) reported $922.1M in revenue over the twelve months to Jun 30, 2026, up 34.9% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI CUBI FY2025 2026-10-04

The numbers show a highly leveraged bank whose 2025 balance-sheet expansion relied heavily on financing flows.

In FY2025, operating cash flow reached $494.8M against net income of $224.1M, so reported cash generation was shaped substantially by balance-sheet movements rather than earnings alone. Financing provided $2.2B while investing used $2.1B, indicating that asset growth was largely funded externally during the year.

Leverage remains the defining structure: liabilities equaled 10.8x equity in FY2025, down from 13.9x in FY2022, but the bank is still funded predominantly by liabilities. Equity increased from $1.4B to $2.1B over that span, helping reduce the ratio even as the balance sheet expanded.

Net margin recovered to 27.4% in FY2025 from 25.4% in FY2024, showing earnings improved after the prior-year compression. Asset efficiency remains modest: ROA rose to 0.9% from 0.8%, underscoring how much balance-sheet funding is required to produce the reported profit.

Financial Health Signals

Financial Health Score 42/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of CUSTOMERS BANCORP INC'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.

Earnings

CUSTOMERS BANCORP INC earned a return on assets of 0.9% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.8% the prior year. Earnings ranks banks on that return over three years, and CUSTOMERS BANCORP INC scores 56/100 among other banks.

Growth

CUSTOMERS BANCORP INC reported revenue of $818.3M in fiscal year 2025, against $714.8M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and CUSTOMERS BANCORP INC scores 31/100 among other banks.

Capital

CUSTOMERS BANCORP INC funded 8.5% of its assets with shareholders' equity at the end of fiscal year 2025, holding $2.1B of equity against $24.9B of assets. Capital ranks banks on that cushion, and CUSTOMERS BANCORP INC scores 13/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. CUSTOMERS BANCORP INC scores 85/100 on it among other banks.

Credit Quality

Not available for CUSTOMERS BANCORP INC, and counted as zero in the overall score.

Stability

CUSTOMERS BANCORP INC reported net income of $224.1M in fiscal year 2025, against $181.5M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and CUSTOMERS BANCORP INC scores 64/100 among other banks.

Piotroski F-Score Partial

5/6

CUSTOMERS BANCORP INC passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

2.21x

For every $1 of reported earnings, CUSTOMERS BANCORP INC 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

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Earnings & Revenue

Revenue

$227.4M

YoY+10.2%

QoQ+0.8%

5Y CAGR+7.9%

10Y CAGR+12.3%

CUSTOMERS BANCORP INC generated $227.4M in revenue in Q2 2026. This represents an increase of 10.2% from the same quarter a year earlier. Against the prior quarter it is up 0.8%.

Net Income

$71.6M

YoY+17.4%

QoQ+2.7%

5Y CAGR+3.1%

10Y CAGR+13.9%

CUSTOMERS BANCORP INC reported $71.6M in net income in Q2 2026. This represents an increase of 17.4% from the same quarter a year earlier. Against the prior quarter it is up 2.7%.

EPS (Diluted)

$2.05

YoY+18.5%

QoQ+4.1%

5Y CAGR+3.6%

10Y CAGR+13.3%

CUSTOMERS BANCORP INC earned $2.05 per diluted share (EPS) in Q2 2026. This represents an increase of 18.5% from the same quarter a year earlier. Against the prior quarter it is up 4.1%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$106.1M

YoY-34.6%

QoQ+202.8%

5Y CAGR+3.6%

CUSTOMERS BANCORP INC generated $106.1M in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 34.6% from the same quarter a year earlier. Against the prior quarter it is up 202.8%.

Cash & Debt

$4.2B

YoY+19.3%

QoQ-12.9%

5Y CAGR+57.5%

10Y CAGR+30.9%

CUSTOMERS BANCORP INC held $4.2B in cash as of Q2 2026; long-term debt is not reported for that period.

Shares Outstanding

34M

YoY+6.8%

QoQ-0.1%

5Y CAGR+0.9%

10Y CAGR+2.2%

CUSTOMERS BANCORP INC had 34M shares outstanding in Q2 2026. This represents an increase of 6.8% from the same quarter a year earlier. Against the prior quarter it is down 0.1%.

Dividends Per Share

Not reported for Q2 2026.

Margins & Returns

Net Margin

31.5%

YoY+1.9pp

QoQ+0.6pp

5Y change-8.0pp

10Y change+4.2pp

CUSTOMERS BANCORP INC's net profit margin was 31.5% in Q2 2026, showing the share of revenue converted to profit. This is up 1.9 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.6 percentage points.

Return on Equity

3.2%

YoY0.0pp

QoQ0.0pp

5Y change-1.7pp

10Y change+0.4pp

CUSTOMERS BANCORP INC's ROE was 3.2% in Q2 2026, measuring profit generated per dollar of shareholder equity. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$6.7M

QoQ-84.4%

CUSTOMERS BANCORP INC spent $6.7M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. Against the prior quarter it is down 84.4%.

Capital Expenditures

$1.3M

YoY+1354.7%

QoQ+2453.1%

5Y CAGR+145.6%

10Y CAGR+14.1%

CUSTOMERS BANCORP INC invested $1.3M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 1354.7% from the same quarter a year earlier. Against the prior quarter it is up 2453.1%.

R&D Spending

Not reported for Q2 2026.

CUBI Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CUBI quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$922.1M	$818.3M+14.5%	$714.8M-5.7%	$758.0M+15.6%	$656.0M-14.0%	$762.9M+63.2%	$467.5M+49.6%	$312.6M-1.4%	$316.9M-8.5%	$346.3M+13.2%	$305.9M+36.5%	$224.0M+26.5%	$177.0M+39.9%	$126.6M+25.3%	$101.0M+101.0%	$50.3M
SG&A Expenses	$207.8M	$189.0M+7.5%	$175.8M+31.9%	$133.3M+18.6%	$112.4M+3.8%	$108.2M+15.0%	$94.1M+17.4%	$80.1M-23.6%	$104.8M+9.8%	$95.5M+18.4%	$80.6M+37.2%	$58.8M+27.5%	$46.1M+29.8%	$35.5M+48.8%	$23.8M+43.6%	$16.6M
Interest Expense	$606.6M	$609.1M-9.6%	$673.4M-1.0%	$679.9M+159.9%	$261.7M+173.1%	$95.8M-31.4%	$139.6M-25.1%	$186.4M+16.5%	$160.1M+51.7%	$105.5M+44.4%	$73.0M+36.4%	$53.6M+39.1%	$38.5M+58.4%	$24.3M+11.7%	$21.8M-3.1%	$22.5M
Income Tax	$85.9M	$64.3M+50.0%	$42.9M-46.8%	$80.6M+27.4%	$63.3M-27.2%	$86.9M+86.1%	$46.7M+77.0%	$26.4M+36.3%	$19.4M-57.0%	$45.0M-1.9%	$45.9M+53.4%	$29.9M+42.6%	$21.0M+19.2%	$17.6M+43.4%	$12.3M+568.8%	$1.8M
Net Income	$291.4M	$224.1M+23.5%	$181.5M-27.5%	$250.1M+9.7%	$228.0M-27.5%	$314.6M+137.3%	$132.6M+67.1%	$79.3M+10.6%	$71.7M-9.1%	$78.8M+0.2%	$78.7M+34.3%	$58.6M+35.6%	$43.2M+32.2%	$32.7M+37.3%	$23.8M+490.4%	$4.0M
EPS (Basic)	N/A	$6.46+22.3%	$5.28-29.5%	$7.49+12.0%	$6.69-28.0%	$9.29+147.1%	$3.76+80.8%	$2.08+14.9%	$1.81-13.8%	$2.10-16.3%	$2.51+20.1%	$2.09+29.0%	$1.62+20.9%	$1.34-16.8%	$1.61+302.5%	$0.40
EPS (Diluted)	$8.24	$6.26+23.0%	$5.09-30.5%	$7.32+12.4%	$6.51-26.9%	$8.91+138.2%	$3.74+82.4%	$2.05+15.2%	$1.78-9.6%	$1.97-14.7%	$2.31+17.9%	$1.96+26.5%	$1.55+19.2%	$1.30	$1.57+302.6%	$0.39
Diluted Shares (Avg)	N/A	33M+2.2%	33M+1.7%	32M-4.1%	34M-0.4%	34M+6.2%	32M+0.3%	32M-1.8%	32M-1.1%	33M+8.6%	30M+4.6%	29M+2.7%	28M-99.9%	25.15B	15.17B+47.5%	10.28B

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$227.4M+10.2%	$225.7M+57.9%	$236.9M+41.5%	$232.1M+38.9%	$206.3M+3.8%	$143.0M-21.3%	$167.4M-12.4%	$167.1M-23.2%
SG&A Expenses	$56.0M+22.2%	$51.3M+20.2%	$51.7M+9.8%	$48.7M+2.1%	$45.8M+2.0%	$42.7M+18.5%	$47.1M+38.8%	$47.7M+41.0%
Interest Expense	$151.3M0.0%	$145.0M-1.7%	$150.8M-7.0%	$159.6M-8.1%	$151.3M-9.1%	$147.5M-14.0%	$162.1M-6.5%	$173.6M-1.7%
Income Tax	$17.9M-0.4%	$20.7M+2117.0%	$22.8M+154.9%	$24.6M+3492.8%	$18.0M-5.6%	-$1.0M-106.5%	$8.9M-59.0%	-$725K-103.1%
Net Income	$71.6M+17.4%	$69.7M+439.4%	$74.5M+176.8%	$75.7M+62.0%	$60.9M+4.9%	$12.9M-74.0%	$26.9M-56.7%	$46.7M-46.1%
EPS (Basic)	$2.12+19.8%	$2.04+580.0%	$2.09+182.4%	$2.28+67.6%	$1.77+2.9%	$0.30-79.5%	$0.74-60.2%	$1.36-48.7%
EPS (Diluted)	$2.05+18.5%	$1.97+579.3%	$2.02+180.6%	$2.20+67.9%	$1.73+4.2%	$0.29-79.3%	$0.72-59.8%	$1.31-49.2%
Diluted Shares (Avg)	35M+7.8%	35M+8.7%	N/A	33M+2.1%	32M-1.0%	32M-1.1%	N/A	33M+1.8%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

CUBI Balance Sheet

CUBI quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$24.9B+11.6%	$22.3B+4.7%	$21.3B+2.0%	$20.9B+6.7%	$19.6B+6.2%	$18.4B+60.1%	$11.5B+17.2%	$9.8B-0.1%	$9.8B+4.9%	$9.4B+11.7%	$8.4B+23.0%	$6.8B+64.3%	$4.2B+29.7%	$3.2B+54.1%	$2.1B
Cash & Equivalents	$4.4B+16.5%	$3.8B-1.6%	$3.8B+743.9%	$455.8M-12.0%	$518.0M-25.3%	$693.4M+226.3%	$212.5M+242.0%	$62.1M-57.5%	$146.3M-44.7%	$264.7M0.0%	$264.6M-28.7%	$371.0M+59.2%	$233.1M+25.3%	$186.0M+152.8%	$73.6M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$3.7M-0.4%	$3.7M-0.3%	$3.7M-0.4%	$3.7M-0.4%	$3.7M
Total Liabilities	$22.8B+11.3%	$20.5B+4.0%	$19.7B+0.9%	$19.5B+7.1%	$18.2B+5.1%	$17.3B+65.5%	$10.5B+17.9%	$8.9B-0.5%	$8.9B+4.6%	$8.5B+8.7%	$7.8B+22.9%	$6.4B+69.4%	$3.8B+28.5%	$2.9B+51.9%	$1.9B
Long-Term Debt	N/A	N/A	N/A	N/A	$0-100.0%	$4.4B+1161.4%	$350.0M	$0	N/A	$180.0M-30.8%	$260.0M-18.8%	$320.0M+236.8%	$95.0M+58.3%	$60.0M+445.5%	$11.0M
Total Equity	$2.1B+15.2%	$1.8B+12.1%	$1.6B+16.8%	$1.4B+2.7%	$1.4B+22.3%	$1.1B+6.1%	$1.1B+10.0%	$956.8M+3.9%	$921.0M+7.6%	$855.9M+54.5%	$553.9M+25.0%	$443.1M+14.6%	$386.6M+43.5%	$269.5M+82.4%	$147.7M
Retained Earnings	$1.5B+15.8%	$1.3B+14.4%	$1.2B+25.5%	$924.1M+30.9%	$705.7M+60.9%	$438.6M+15.0%	$381.5M+20.5%	$316.7M+22.7%	$258.1M+33.2%	$193.7M+55.6%	$124.5M+82.0%	$68.4M-3.6%	$71.0M+85.3%	$38.3M+164.3%	$14.5M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$26.5B+17.6%	$25.9B+15.4%	$24.9B+11.6%	$24.3B+13.1%	$22.6B+7.7%	$22.4B+5.0%	$22.3B+4.7%	$21.5B-1.8%
Cash & Equivalents	$4.2B+19.3%	$4.8B+39.9%	$4.4B+16.5%	$4.2B+35.5%	$3.5B+14.9%	$3.4B-7.4%	$3.8B-1.6%	$3.1B-9.7%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Total Liabilities	$24.3B+17.5%	$23.7B+15.5%	$22.8B+11.3%	$22.1B+12.6%	$20.7B+7.8%	$20.6B+4.6%	$20.5B+4.0%	$19.7B-3.2%
Total Equity	$2.2B+18.4%	$2.1B+15.0%	$2.1B+15.2%	$2.1B+18.0%	$1.9B+6.7%	$1.9B+10.2%	$1.8B+12.1%	$1.8B+15.3%
Retained Earnings	$1.7B+20.5%	$1.6B+20.2%	$1.5B+15.8%	$1.5B+12.5%	$1.4B+10.4%	$1.3B+10.8%	$1.3B+14.4%	$1.3B+18.3%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

CUBI Cash Flow Statement

CUBI quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$380.9M	$494.8M+241.1%	$145.1M+16.3%	$124.7M+698.9%	-$20.8M-107.0%	$295.5M+122.2%	$133.0M+69.9%	$78.3M-19.7%	$97.5M+56.7%	$62.2M-32.0%	$91.4M+125.6%	-$356.6M+34.3%	-$542.5M-175.1%	$722.0M+158.1%	-$1.2B-4253.6%	$29.9M
Depreciation & Amortization	N/A	$41.8M+24.6%	$33.6M+5.5%	$31.8M+17.1%	$27.2M+25.3%	$21.7M+17.0%	$18.5M+36.1%	$13.6M-3.9%	$14.2M+31.1%	$10.8M+83.2%	$5.9M+47.5%	$4.0M+11.6%	$3.6M+14.5%	$3.1M+54.6%	$2.0M+47.2%	$1.4M
Stock-Based Compensation	N/A	$18.5M+27.9%	$14.4M+14.7%	$12.6M-11.1%	$14.2M+2.1%	$13.9M+7.6%	$12.9M+30.8%	$9.9M+1.1%	$9.7M+35.9%	$7.2M+1.4%	$7.1M+24.9%	$5.7M+8.1%	$5.2M+55.5%	$3.4M+67.2%	$2.0M+186.1%	$704K
Capital Expenditures	$14.3M	$13.7M+821.5%	$1.5M+152.7%	$590K-85.4%	$4.0M+560.0%	$613K-86.9%	$4.7M+207.3%	$1.5M-14.5%	$1.8M-16.8%	$2.1M-60.7%	$5.4M+84.6%	$2.9M+131.4%	$1.3M-67.4%	$3.9M+43.5%	$2.7M-0.3%	$2.7M
Free Cash Flow	$366.6M	$481.0M+235.1%	$143.6M+15.6%	$124.1M+599.1%	-$24.9M-108.4%	$294.9M+129.8%	$128.4M+67.2%	$76.8M-19.8%	$95.7M+59.3%	$60.1M-30.1%	$86.0M+123.9%	-$359.6M+33.9%	-$543.8M-175.7%	$718.1M+157.7%	-$1.2B-4679.4%	$27.2M
Investing Cash Flow	-$3.4B	-$2.1B-104.4%	-$1.0B-131.9%	$3.2B+343.2%	-$1.3B-8.1%	-$1.2B+81.3%	-$6.4B-344.8%	-$1.4B-1287.6%	-$104.1M+81.6%	-$565.1M+41.2%	-$961.5M+23.6%	-$1.3B+34.5%	-$1.9B-21.0%	-$1.6B-705.8%	$262.1M+134.5%	-$760.5M
Financing Cash Flow	$3.7B	$2.2B+173.3%	$800.6M+640.7%	$108.1M-91.4%	$1.3B+66.5%	$754.8M-88.9%	$6.8B+346.6%	$1.5B+2055.2%	-$77.6M-120.2%	$384.5M-55.8%	$870.2M-42.3%	$1.5B-42.0%	$2.6B+185.0%	$913.0M-16.4%	$1.1B+93.2%	$565.4M
Share Buybacks	$49.4M	$5.6M-70.7%	$19.2M-51.7%	$39.8M+20.0%	$33.2M+19.9%	$27.7M	$0-100.0%	$571K-95.6%	$13.0M	$0	$0	$0	$0-100.0%	$7.8M	$0-100.0%	$500K

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$107.3M-33.8%	$35.1M-62.7%	$121.6M-8.9%	$116.9M+379.2%	$162.2M+2569.2%	$94.1M+600.2%	$133.4M+212.7%	$24.4M-82.1%
Depreciation & Amortization	$13.9M+19.5%	$14.2M-9.0%	$12.6M+38.8%	$1.9M-80.5%	$11.6M+80.1%	$15.6M+89.7%	$9.1M+19.9%	$9.7M+27.3%
Stock-Based Compensation	$5.2M+26.8%	$5.7M+34.9%	N/A	$4.0M+17.6%	$4.1M+41.4%	$4.2M+9.2%	N/A	$3.4M
Capital Expenditures	$1.3M+1354.7%	$49K-92.9%	$2.5M+398.8%	$10.5M+3993.0%	$86K-73.0%	$686K+64.1%	$499K+623.2%	$256K-30.2%
Free Cash Flow	$106.1M-34.6%	$35.0M-62.5%	$119.1M-10.4%	$106.4M+340.9%	$162.1M+2715.1%	$93.4M+585.7%	$132.9M+212.2%	$24.1M-82.2%
Investing Cash Flow	-$1.3B-988.3%	-$626.3M-25.2%	-$412.1M-57.8%	-$1.0B-165.2%	-$119.2M+38.9%	-$500.0M-206.5%	-$261.1M-122.5%	-$386.7M-197.4%
Financing Cash Flow	$570.4M+1691.3%	$978.0M+1909.5%	$516.3M-37.5%	$1.6B+296.0%	$31.8M+106.9%	$48.7M+32.4%	$825.6M+234.1%	$401.7M+249.7%
Share Buybacks	$6.7M	$42.7M+657.7%	$0-100.0%	$0-100.0%	$0	$5.6M	$1.0M	$18.2M

Not reported in any period shown, so not listed: Dividends Paid.

CUBI Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CUBI quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	27.4%+2.0pp	25.4%-7.6pp	33.0%-1.8pp	34.8%-6.5pp	41.2%+12.9pp	28.4%+3.0pp	25.4%+2.8pp	22.6%-0.1pp	22.8%-3.0pp	25.7%-0.4pp	26.2%+1.7pp	24.4%-1.4pp	25.8%+2.2pp	23.6%+15.6pp	8.0%
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%+4.3pp	7.5%0.0pp	7.5%-1.1pp	8.6%-0.6pp	9.2%-1.4pp	10.6%+0.8pp	9.8%+1.3pp	8.5%-0.4pp	8.8%+6.1pp	2.7%
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%0.0pp	0.7%0.0pp	0.7%-0.1pp	0.8%0.0pp	0.8%+0.1pp	0.7%+0.1pp	0.6%-0.2pp	0.8%+0.1pp	0.7%+0.6pp	0.2%
Debt-to-Equity	10.77-0.4x	11.15-0.9x	12.01-1.9x	13.89+13.9x	0.00-4.0x	3.95+3.6x	0.33+0.3x	0.00-9.7x	9.68+9.5x	0.21-0.3x	0.47-0.3x	0.72+0.5x	0.250.0x	0.22+0.1x	0.07
Asset Turnover	0.030.0x	0.030.0x	0.040.0x	0.030.0x	0.040.0x	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.02
FCF Margin	58.8%+38.7pp	20.1%+3.7pp	16.4%+20.2pp	-3.8%-42.4pp	38.7%+11.2pp	27.5%+2.9pp	24.6%-5.6pp	30.2%+12.8pp	17.3%-10.8pp	28.1%	-160.5%	-285.6%	560.4%	-1326.8%	54.1%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	31.5%+1.9pp	30.9%+21.8pp	31.4%+15.4pp	32.6%+4.7pp	29.5%+0.3pp	9.0%-18.4pp	16.1%-16.4pp	28.0%-11.9pp
Return on Equity	3.2%0.0pp	3.3%+2.6pp	3.5%+2.1pp	3.6%+1.0pp	3.3%-0.1pp	0.7%-2.3pp	1.5%-2.3pp	2.6%-3.0pp
Return on Assets	0.3%0.0pp	0.3%+0.2pp	0.3%+0.2pp	0.3%+0.1pp	0.3%0.0pp	0.1%-0.2pp	0.1%-0.2pp	0.2%-0.2pp
Debt-to-Equity	11.02-0.1x	11.070.0x	10.77-0.4x	10.41-0.5x	11.10+0.1x	11.03-0.6x	11.15-0.9x	10.91-2.1x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	46.6%-31.9pp	15.5%-49.8pp	50.3%-29.1pp	45.9%+31.4pp	78.6%+75.7pp	65.4%+75.9pp	79.4%+141.3pp	14.4%-47.9pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
CUSTOMERS BANCORP INC CUBI	FY2025	$818.3M	$224.1M	27.4%	$2.5B	42/100
First Merchants Corp FRME	FY2025	$662.9M	$226.0M	34.1%	$2.4B	65/100
Pacific Premier Bancorp Inc PPBI	FY2024	$619.8M	$158.8M	25.6%	$2.4B	46/100
First Bancorp/NC FBNC	FY2025	$390.3M	$111.0M	28.4%	$2.4B	50/100
Enterprise Financial Services Corporation EFSC	FY2025	$739.9M	$201.4M	27.2%	$2.1B	55/100
Trustmark Corp TRMK	FY2025	$799.8M	$224.1M	28.0%	$2.6B	38/100

Where CUSTOMERS BANCORP INC Ranks

Frequently Asked Questions

What is CUSTOMERS BANCORP INC's annual revenue?

CUSTOMERS BANCORP INC (CUBI) reported $818.3M in total revenue for fiscal year 2025. This represents a 14.5% 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 BANCORP INC's revenue growing?

CUSTOMERS BANCORP INC (CUBI) revenue grew by 14.5% year-over-year, from $714.8M to $818.3M in fiscal year 2025.

Is CUSTOMERS BANCORP INC profitable?

Yes, CUSTOMERS BANCORP INC (CUBI) reported a net income of $224.1M in fiscal year 2025, with a net profit margin of 27.4%.

What is CUSTOMERS BANCORP INC's net profit margin?

CUSTOMERS BANCORP INC (CUBI) had a net profit margin of 27.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is CUSTOMERS BANCORP INC's return on equity (ROE)?

CUSTOMERS BANCORP INC (CUBI) 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 BANCORP INC's free cash flow?

CUSTOMERS BANCORP INC (CUBI) 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 BANCORP INC's operating cash flow?

CUSTOMERS BANCORP INC (CUBI) generated $494.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are CUSTOMERS BANCORP INC's total assets?

CUSTOMERS BANCORP INC (CUBI) had $24.9B in total assets as of fiscal year 2025, including both current and long-term assets.

What are CUSTOMERS BANCORP INC's capital expenditures?

CUSTOMERS BANCORP INC (CUBI) invested $13.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does CUSTOMERS BANCORP INC buy back shares?

Yes, CUSTOMERS BANCORP INC (CUBI) spent $5.6M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does CUSTOMERS BANCORP INC have outstanding?

CUSTOMERS BANCORP INC (CUBI) had 34M shares outstanding as of fiscal year 2025.

What is CUSTOMERS BANCORP INC's debt-to-equity ratio?

CUSTOMERS BANCORP INC (CUBI) 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 BANCORP INC's return on assets (ROA)?

CUSTOMERS BANCORP INC (CUBI) 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 BANCORP INC's P/E ratio?

CUSTOMERS BANCORP INC (CUBI) trades at 8.7x earnings, its market capitalization divided by net income of $291.4M net income, trailing 12 months to June 30, 2026. The market capitalization is $2.5B as of Oct 12, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is CUSTOMERS BANCORP INC's price-to-sales ratio?

CUSTOMERS BANCORP INC (CUBI) trades at 2.7x sales, its market capitalization divided by revenue of $922.1M revenue, trailing 12 months to June 30, 2026. The market capitalization is $2.5B as of Oct 12, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is CUSTOMERS BANCORP INC's Piotroski F-Score?

CUSTOMERS BANCORP INC (CUBI) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 BANCORP INC's earnings high quality?

CUSTOMERS BANCORP INC (CUBI) 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 BANCORP INC?

CUSTOMERS BANCORP INC (CUBI) scores 42 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.