Customers Bancorp, Inc.
CUBI NYSE· State Commercial Banks
Last close · Oct 26, 2026
$85.93
KIRA · Stoqly’s AI analyst, in plain words
- Customers Bancorp, Inc. had $818M of revenue in fiscal 2025, up 14.5% on the year before. Over five years, revenue changed +82.7% a year on average.
- Customers Bancorp, Inc. made $224M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 11.7% a year.
- Customers Bancorp, Inc. returned $5.6M to shareholders in fiscal 2025, 1% of free cash flow. The diluted share count rose 2.2%.
- It earned 11.3% on shareholders’ money. Running costs took 52.8% of revenue (the efficiency ratio; lower is better).
Market cap
$3.0B
P/E
10.4x
Revenue
$818M
Net income
$224M
Return on equity
11.3%
Efficiency ratio
52.8%
Customers Bancorp, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+14.5%
Yes. Sales grew 14.5% last year.
Does it make a profit?
27.4%
Yes. It keeps 27.4% of every sale as profit.
How lean are its costs?
52.8%
Lean. Running costs take 52.8% of revenue.
How much does it earn on its capital?
11.3%
Fair. It earns 11.3% a year on shareholders’ money.
How is the share priced?
10.4x
One share costs 10.4 times its yearly profit per share.
What Customers Bancorp, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 27, 2026
- Legal name
- Customers Bancorp, Inc.
- CIK
- 0001488813
Customers Bancorp, Inc. · CUBI
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $763M | $656M | $758M | $715M | $818M |
| Revenue growth | 1,798.1% | −14.0% | 15.6% | −5.7% | 14.5% |
| Net interest income | $685M | $624M | $687M | $654M | $750M |
| Net income | $315M | $228M | $250M | $181M | $224M |
| Net margin | 41.2% | 34.8% | 33.0% | 25.4% | 27.4% |
| Diluted EPS | $8.91 | $6.51 | $7.32 | $5.09 | $6.26 |
| Cash | |||||
| Cash from operations | $296M | −$20.8M | $125M | $145M | $495M |
| Capital expenditure | $0.6M | $4.0M | $0.6M | $1.5M | $13.7M |
| Free cash flow | $295M | −$24.9M | $124M | $144M | $481M |
| FCF margin | 38.7% | −3.8% | 16.4% | 20.1% | 58.8% |
| Share buybacks | $27.7M | $33.2M | $39.8M | $19.2M | $5.6M |
| Share count change | 6.2% | −0.4% | −4.1% | 1.7% | 2.2% |
| Debt and strength | |||||
| Cash and short-term investments | $518M | $456M | $3.8B | $3.8B | $4.4B |
| Debt incl. finance leases | $775M | $300M | $0.0M | $100M | $0.0M |
| Loans, net | $14.4B | $15.3B | $12.7B | $14.3B | $16.6B |
| Deposits | $16.8B | $18.2B | $17.9B | $18.8B | $20.8B |
| Shareholders' equity | $1.4B | $1.4B | $1.6B | $1.8B | $2.1B |
| Returns and quality | |||||
| Return on equity | 25.3% | 16.5% | 16.4% | 10.4% | 11.3% |
| Return on tangible equity | 22.0% | 15.6% | 14.4% | 9.1% | 9.9% |
| Efficiency ratio | 38.6% | 46.4% | 46.5% | 58.3% | 52.8% |
| Piotroski F-score | 5 | 3 | 6 | 2 | 6 |
Insiders bought, 12 months
$0.1M
1 insider
Insiders sold, 12 months
$32.0M
6 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Customers Bancorp, Inc. · CUBI
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $85.93 a share, the company is worth $3.0B: 10.4 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001488813). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.