← Customers Bancorp, Inc. CUBI
Market Price
$83.56
Market Cap
$2.82B
P/E Ratio
13.35
Revenue (FY 2025)
↑14.7% YoY
$750.49M
3-Yr CAGR: 6.4%
Net Income
↑23.5% YoY
$224.09M
Net Margin: 29.9%
Free Cash Flow
↑235.1% YoY
$481.02M
FCF Yield: 17.06%
EPS (Diluted)
↑23.0% YoY
$6.26
Basic: $6.46
Return on Equity
Efficiency
10.6%
ROA: 0.9%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (CUBI)
All monetary values in millions ($M)
⚠️ YoY Data Quality Alert
- FY 2020: Revenue YoY (-14.0%) is identical to Gross Profit YoY (-14.0%). Verify the underlying Revenue and Gross Profit values for FY 2020 and FY 2019.
| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $249.5M | — | $176.5M | $78.7M | — | $2.31 | — | $-270.5M | $-275.6M | — |
| FY 2017 | $267.3M | +7.1% | $161.8M | $78.8M | +0.2% | $1.97 | -14.7% | $385.6M | $383.5M | +239.1% |
| FY 2018 | $257.9M | -3.5% | $97.8M | $71.7M | -9.1% | $1.78 | -9.6% | $97.5M | $95.7M | -75.0% |
| FY 2019 | $46.7M | -81.9% | $46.7M | $79.3M | +10.6% | $2.05 | +15.2% | $78.3M | $76.6M | -20.0% |
| FY 2020 | $40.2M | -14.0% | $40.2M | $132.6M | +67.1% | $3.74 | +82.4% | $133.0M | $128.3M | +67.5% |
| FY 2021 | $685.1M | +1,604.4% | $589.3M | $314.6M | +137.3% | $8.91 | +138.2% | $-24.4M | $-25.0M | -119.5% |
| FY 2022 | $623.7M | -9.0% | $362.1M | $228.0M | -27.5% | $6.51 | -26.9% | — | $-4.0M | +83.8% |
| FY 2023 | $687.4M | +10.2% | $7.5M | $250.1M | +9.7% | $7.32 | +12.4% | — | $-0.6M | +85.4% |
| FY 2024 | $654.4M | -4.8% | $224.4M | $181.5M | -27.5% | $5.09 | -30.5% | $145.1M | $143.6M | +24,433.2% |
| FY 2025 | $750.5M | +14.7% | $141.4M | $224.1M | +23.5% | $6.26 | +23.0% | $494.8M | $481.0M | +235.1% |
Valuation
Market Price
$83.56
Market Cap
$2.82B
Enterprise Value
N/A
P/E Ratio
13.35
P/B Ratio
1.34
FCF Yield
17.06%
Dividend Yield
N/A
Shares Outstanding
Profitability & Margins
Gross Margin
18.84%
Operating Margin
38.43%
Net Margin
29.86%
Return on Equity (ROE)
10.59%
Return on Assets (ROA)
0.90%
Asset Turnover
0.03x
Revenue 3-Yr CAGR
6.36%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
N/A
Debt / Assets
N/A
Cash & Equivalents
$4.41B
Total Debt
N/A
Book Value / Share
$62.54
Cash Flow Efficiency
Operating Cash Flow
$494.76M
Capital Expenditures (CapEx)
$13.74M
Free Cash Flow
$481.02M
OCF / Revenue
65.92%
FCF / Revenue
64.09%
FCF 3-Yr CAGR
N/A
Per Share Metrics
EPS (Diluted)
$6.26
EPS (Basic)
$6.46
Dividends / Share
N/A
Book Value / Share
$62.54
EPS YoY Growth
22.99%
Balance Sheet (FY 2025)
Total Assets
$24.90B
Total Liabilities
$2.05M
Stockholders' Equity
$2.12B
Current Assets
N/A
Current Liabilities
N/A