Customers Bancorp Inc. | Mid-cap | Financial Services
$65.07
0.84%
| Customers Bancorp Stock Comparison:
Customers Bancorp vs Nu HoldingsCustomers Bancorp vs U.S. BancorpCustomers Bancorp vs Webster FinancialCustomers Bancorp vs Western AllianceCustomers Bancorp vs UMB FinancialCustomers Bancorp vs S&P 500 | Market
TL;DR Income Statement Balance Sheet Cash Flow Key Ratios Peer Comparison

TL;DR: Financial Overview - Revenue, Profits & Key Metrics

Latest Quarterly: Mar 2025

Income Metrics

Revenue 138.3M
Net Income 12.9M 9.33%
EPS (Diluted) $0.29

Balance Sheet Metrics

Total Assets 22.4B
Total Liabilities 20.6B
Shareholders Equity 1.9B
Debt to Equity 11.03

Cash Flow Metrics

Operating Cash Flow 19.8M
Free Cash Flow 77.0M

Revenue & Profitability Trend

Customers Bancorp Income Statement From 2020 to 2024

Metric 2024 2023 2022 2021 2020
Revenue i 687.5M 740.9M 633.4M 748.8M 460.9M
Cost of Goods Sold i - - - - -
Gross Profit i - - - - -
Gross Margin % i 0.0% 0.0% 0.0% 0.0% 0.0%
Operating Expenses
Research & Development i - - - - -
Selling, General & Administrative i 222.0M 171.4M 123.8M 119.8M 107.5M
Other Operating Expenses i - - - - -
Total Operating Expenses i 222.0M 171.4M 123.8M 119.8M 107.5M
Operating Income i - - - - -
Operating Margin % i 0.0% 0.0% 0.0% 0.0% 0.0%
Non-Operating Items
Interest Income i - - - - -
Interest Expense i - - - - -
Other Non-Operating Income - - - - -
Pre-tax Income i 224.4M 330.7M 291.3M 441.2M 189.8M
Income Tax i 42.9M 80.6M 63.3M 86.9M 46.7M
Effective Tax Rate % i 19.1% 24.4% 21.7% 19.7% 24.6%
Net Income i 181.5M 250.1M 228.0M 314.6M 132.6M
Net Margin % i 26.4% 33.8% 36.0% 42.0% 28.8%
Key Metrics
EBITDA i - - - - -
EPS (Basic) i $5.28 $7.49 $6.69 $9.29 $3.76
EPS (Diluted) i $5.09 $7.32 $6.51 $8.91 $3.74
Basic Shares Outstanding i 31509179 31435647 32632751 32312262 31506699
Diluted Shares Outstanding i 31509179 31435647 32632751 32312262 31506699

Income Statement Trend

Customers Bancorp Balance Sheet From 2020 to 2024

Metric 2024 2023 2022 2021 2020
Assets
Current Assets
Cash & Equivalents i 3.8B 3.8B 455.8M 518.0M 693.4M
Short-term Investments i 2.0B 2.4B 3.0B 3.8B 1.2B
Accounts Receivable i 108.4M 114.8M 123.4M 92.2M 80.4M
Inventory i - - - - -
Other Current Assets - - - - -
Total Current Assets i - - - - -
Non-Current Assets
Property, Plant & Equipment i 367.0K 349.0K 398.0K 831.0K 750.0K
Goodwill i 3.6M 3.6M 3.6M 3.7M 4.0M
Intangible Assets i - - - - -
Long-term Investments - - - - -
Other Non-Current Assets - - - - -
Total Non-Current Assets i - - - - -
Total Assets i 22.3B - - - -
Liabilities
Current Liabilities
Accounts Payable i - - 230.7M 251.1M 152.1M
Short-term Debt i 100.0M 3.2M 300.0M 700.0M 850.0M
Current Portion of Long-term Debt - - - - -
Other Current Liabilities - - - - -
Total Current Liabilities i - - - - -
Non-Current Liabilities
Long-term Debt i 1.3B 1.5B 805.5M 404.8M 305.4M
Deferred Tax Liabilities i - - - - -
Other Non-Current Liabilities - - - - -
Total Non-Current Liabilities i - - - - -
Total Liabilities i 20.5B - - - -
Equity
Common Stock i 35.8M 35.5M 35.0M 34.7M 33.0M
Retained Earnings i 1.3B 1.2B 924.1M 705.7M 438.6M
Treasury Stock i 141.7M 122.4M 82.6M 49.4M 21.8M
Other Equity - - - - -
Total Shareholders Equity i 1.8B 1.6B 1.4B 1.4B 1.1B
Key Metrics
Total Debt i 1.4B 1.5B 1.1B 1.1B 1.2B
Working Capital i 0 0 0 0 0

Balance Sheet Composition

Customers Bancorp Cash Flow Statement From 2020 to 2024

Metric 2024 2023 2022 2021 2020
Operating Activities
Net Income i 181.5M 250.1M 228.0M 354.3M 143.0M
Depreciation & Amortization i 33.6M 31.8M 27.2M 21.7M 18.5M
Stock-Based Compensation i 14.4M 12.6M 14.2M 13.9M 12.9M
Working Capital Changes i -132.8M 42.3M -24.6M 149.6M -57.7M
Operating Cash Flow i 74.1M 145.7M -70.9M 511.8M 94.6M
Investing Activities
Capital Expenditures i -46.7M -38.7M -105.9M -22.9M -28.8M
Acquisitions i - 0 0 3.8M 0
Investment Purchases i -865.9M -74.5M -1.4B -3.6B -1.2B
Investment Sales i 1.5B 873.2M 1.5B 1.0B 623.9M
Investing Cash Flow i 651.5M 781.5M 52.6M -2.7B -593.9M
Financing Activities
Share Repurchases i -19.2M -39.8M -33.2M -110.2M 0
Dividends Paid i -15.1M -14.6M -9.3M -10.8M -14.1M
Debt Issuance i 155.0M 2.6B 500.0M 98.8M 4.4B
Debt Repayment i -350.0M -1.9B -100.0M -4.4B 0
Financing Cash Flow i -133.1M 346.2M -47.0M -4.5B 4.4B
Free Cash Flow i 79.9M 83.4M -134.2M 238.2M 123.2M
Net Change in Cash i 592.6M 1.3B -65.4M -6.7B 3.9B

Cash Flow Trend

Customers Bancorp Key Financial Ratios

Valuation Ratios

P/E Ratio (TTM) 16.19
Forward P/E 10.68
Price to Book 1.16
Price to Sales 3.77
PEG Ratio 5.57

Profitability Ratios

Profit Margin 24.73%
Operating Margin 48.95%
Return on Equity 8.17%
Return on Assets 0.68%

Financial Health

Debt to Equity 0.82
Beta 1.56

Per Share Data

EPS (TTM) $4.05
Book Value per Share $56.36
Revenue per Share $18.94

Peer Financial Comparison

Company Market Cap P/E Ratio P/B Ratio ROE Profit Margin Debt/Equity
cubi 2.2B 16.19 1.16 8.17% 24.73% 0.82
Nu Holdings 74.7B 32.19 7.64 27.88% 39.32% 0.36
U.S. Bancorp 73.5B 11.36 1.36 11.67% 27.00% 1.34
Webster Financial 9.8B 11.96 1.09 9.44% 34.45% 0.52
Western Alliance 9.2B 11.30 1.37 12.42% 27.12% 0.93
UMB Financial 9.0B 13.41 1.31 10.05% 27.11% 0.51

Financial data is updated regularly. All figures are in the company's reporting currency.