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Customers Bancorp, Inc.

Financial Services US CUBI

75.79USD
0.83(1.11%)

Last update at 2026-06-18T23:00:00Z

Day Range

75.0176.33
LowHigh

52 Week Range

47.9782.56
LowHigh

Fundamentals

  • Previous Close 74.96
  • Market Cap2632.63M
  • Volume504493
  • P/E Ratio12.51
  • Dividend Yield-%
  • Revenue TTM720.35M
  • Revenue Per Share TTM22.24
  • Gross Profit TTM 720.35M
  • Diluted EPS TTM6.15

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 288.43M 224.37M 330.74M 291.30M 441.21M
Minority interest - - - - -
Net income 224.09M 181.47M 250.14M 228.03M 314.65M
Selling general administrative 221.15M 217.52M 134.17M 121.23M 201.81M
Selling and marketing expenses 2.44M 4.49M 3.10M 2.54M 1.52M
Gross profit 729.84M 614.05M 1367.36M 632.38M 748.54M
Reconciled depreciation 41.80M 33.55M 31.36M 22.98M 17.82M
Ebit 310.77M 224.37M 330.74M 552.95M 401.59M
Ebitda 351.62M 257.93M 362.10M 575.93M 419.41M
Depreciation and amortization 40.85M 33.55M 31.36M 22.98M 17.82M
Non operating income net other - - - - -
Operating income 310.77M 224.37M 330.74M 552.95M 401.59M
Other operating expenses 1103.79M 1136.56M 3.10M 2.54M -346.95000M
Interest expense 609.10M 673.43M 679.91M 261.65M 95.81M
Tax provision 64.34M 42.90M 65.94M 63.26M 86.94M
Interest income 1359.59M 1327.83M 1291.09M 885.37M 780.88M
Net interest income 750.49M 654.40M 650.08M 623.72M 685.07M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 64.34M 42.90M 80.60M 63.26M 86.94M
Total revenue 1414.56M 1360.93M 1367.36M 632.38M 748.54M
Total operating expenses 419.07M 389.68M 3.10M 2.54M -346.95000M
Cost of revenue 684.72M 746.88M 70.56M - -
Total other income expense net -22.33700M -1098.97200M 330.74M -261.65300M 39.62M
Discontinued operations - - - - -39.62100M
Net income from continuing ops 224.09M 181.47M 216.76M 228.03M 354.27M
Net income applicable to common shares - - - 218.40M 300.13M
Preferred stock and other adjustments - - - - 14.51M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 24895.87M 22308.24M 21316.26M 20896.11M 19575.03M
Intangible assets 3.63M 3.63M 3.63M - 3.74M
Earning assets - - - - -
Other current assets - - 3961.11M 15335.43M 11317.83M
Total liab 22780.35M 20471.56M 19677.87M 19493.15M 18208.81M
Total stockholder equity 2115.52M 1836.68M 1638.39M 1402.96M 1366.22M
Deferred long term liab - - - 1.46M 0.87M
Other current liab 15744.29M 18846.46M 17890.54M -300.00000M -951.12800M
Common stock 36.19M 35.76M 35.46M 35.01M 34.72M
Capital stock 36.19M 173.55M 173.25M 172.81M 172.52M
Retained earnings 1535.19M 1326.01M 1159.58M 924.13M 705.73M
Other liab - - - 9.60M 12.84M
Good will 3.63M - - - -
Other assets 6171.41M 5801.12M 114.77M 1981.34M 11317.83M
Cash 62.05M 3785.93M 3846.35M 455.81M 518.03M
Cash and equivalents - - - - -
Total current liabilities 15751.73M 18946.46M 17920.24M 230.67M 951.13M
Current deferred revenue - - - - -
Net debt 1643.37M -2376.00200M -2337.06900M 949.73M 586.73M
Short term debt 7.44M 100.00M 29.70M 300.00M 700.00M
Short long term debt - 100.00M 3.21M 300.00M 700.00M
Short long term debt total 1705.42M 1409.93M 1509.28M 1405.53M 1104.76M
Other stockholder equity 598.18M 433.68M 442.13M 469.12M 492.95M
Property plant equipment - - - 221.03M 8.89M
Total current assets 165.68M 6128.88M 6572.45M 18902.12M 4427.42M
Long term investments 2666.78M 3011.63M 3508.81M 3827.76M 3817.15M
Net tangible assets - - - 1261.54M 1224.69M
Short term investments 1937.65M 2019.69M 2405.64M 2987.50M 3817.15M
Net receivables 103.63M 323.25M 320.47M 123.37M 92.24M
Long term debt 1705.42M 1309.93M 1506.07M 1105.53M 1104.76M
Inventory - - -16691.40900M - -
Accounts payable - - - 230.67M 251.13M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -54.05000M -96.56000M -136.56900M -163.09600M -4.98000M
Additional paid in capital - - - - -
Common stock total equity - - - - 34.72M
Preferred stock total equity - - - - 137.79M
Retained earnings total equity - - - - 705.73M
Treasury stock - - - - -49.44200M
Accumulated amortization - - - - -
Non currrent assets other 898.25M 660.35M 562.87M -3827.75900M -3829.77600M
Deferred long term asset charges - - - - -
Non current assets total 24730.19M 16179.36M 14743.81M 12.65M 3829.78M
Capital lease obligations - - - - -
Long term debt total - - - - 404.76M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 326.93M -1006.09100M 1783.87M -1298.41200M -2619.47500M
Change to liabilities - - - 0.00000M 102.98M
Total cashflows from investing activities -2056.95300M -1006.09100M 3157.72M -1298.41200M -1201.26100M
Net borrowings 288.35M -95.00000M 400.00M -75.00000M -4641.21700M
Total cash from financing activities 2187.73M 800.62M 108.09M 1257.01M 754.77M
Change to operating activities - - - -20.99400M 102.98M
Net income 224.09M 181.47M 250.14M 228.03M 354.27M
Change in cash 625.53M -60.41500M 3390.54M -62.22600M -175.32200M
Begin period cash flow 3785.93M 3846.35M 455.81M 518.03M 693.35M
End period cash flow 4411.46M 3785.93M 3846.35M 455.81M 518.03M
Total cash from operating activities 494.76M 145.06M 124.73M -20.82500M 271.16M
Issuance of capital stock 165.85M 1.76M 0.41M 0.53M 27.76M
Depreciation 37.86M 33.55M 31.81M 27.16M 21.67M
Other cashflows from investing activities -2089.75800M -1620.62700M 2400.41M 8.63M -37.67900M
Dividends paid 10.80M 15.15M 14.64M -9.32600M -10.83300M
Change to inventory - - -18.68000M - -
Change to account receivables -26.14700M -99.97700M 23.58M -3.59100M 46.66M
Sale purchase of stock -148.14200M -19.24300M -39.80600M -33.16200M -110.15900M
Other cashflows from financing activities 1892.47M 928.25M -240.58200M 1398.97M 5263.02M
Change to netincome - - - -251.43100M -214.79000M
Capital expenditures 13.74M 65.19M 41.34M 113.35M 32.95M
Change receivables - - - - -
Cash flows other operating - - - - 145.87M
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -150.94600M
Change in working capital 55.28M -132.81100M 42.26M -24.58500M 149.64M
Stock based compensation 18.46M 14.44M 12.59M 14.15M 13.86M
Other non cash items 170.06M 49.55M -234.25300M -272.48800M -286.02500M
Free cash flow 481.02M 79.87M 83.39M -134.17200M 238.21M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
CUBI
Customers Bancorp, Inc.		 0.83 1.11% 75.79 12.51 10.44 3.65 1.25 5.42
HDB
HDFC Bank Limited ADR		 0.30 1.21% 25.06 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd		 - -% 30.11 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd		 - -% 49.75 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H		 - -% 5.70 6.10 5.67 0.44 0.77 3.43

Reports Covered

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Profile

Customers Bancorp, Inc. operates as the bank holding company for Customers Bank that provides banking products and services. It provides deposit banking products, which includes commercial and consumer checking, non-interest-bearing and interest-bearing demand, MMDA, savings, and time deposit accounts, as well as individual retirement accounts and non-retail time deposits consisting of jumbo certificates. The company's lending business offers commercial and industrial, commercial real estate, and multifamily and residential mortgage loans; SBA lending; mortgage finance; specialty lending includes fund finance, real estate specialty finance, technology and venture, and healthcare and financial institutions group; commercial loans to mortgage companies, and commercial equipment financing; fund finance, such as variable rate loans secured by collateral pools to private debt funds; and cash management services. In addition, it provides digital banking, such as Banking-as-a-Service to fintech companies; payments and treasury services to businesses; consumer loans through fintech companies; and the TassatPay, an instant blockchain-based digital payments platform which offers instant payments, including over-the-counter desks, exchanges, liquidity providers, market makers, funds, title companies, and other B2B verticals. Further, the company offers mobile phone and internet banking, wire transfers, electronic bill payment, lock box, remote deposit capture, courier, merchant processing, cash vault, controlled disbursements, positive pay, and cash management services comprising account reconciliation, collections, and sweep accounts. The company was founded in 1997 and is headquartered in West Reading, Pennsylvania.

Customers Bancorp, Inc.

701 Reading Avenue, West Reading, PA, United States, 19611

Key Executives

Name Title Year Born
Mr. Jay S. Sidhu Founder, Chairman & CEO 1952
Mr. Samvir S. Sidhu Pres & Vice Chairman NA
Ms. Carla A. Leibold Exec. VP & CFO 1967
Mr. Andrew Hertz Bowman Sr. EVP, Chief Credit Officer 1968
Mr. Lyle P. Cunningham Exec. VP & Chief Lending Officer 1964
Mr. Jessie John Deano Velasquez Exec. VP & Chief Accounting Officer 1979
Mr. Andrew B. Sachs Esq. Exec. VP, Gen. Counsel & Corp. Sec. NA
Mr. David W. Patti Director of Communications NA
Mr. Robert Fischer Sr. VP, Relationship Mang. and Member of the Lending Team NA
Mr. Timothy D. Romig Regional Chief Lending Officer NA

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