Customers Bancorp, Inc. (CUBI)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 461 | 749 | 633 | 741 | 687 | 805 | 884 | - |
| Operating profit | $m | 311 | 366 | ||||||
| Net profit | $m | 133 | 315 | 228 | 250 | 181 | 224 | 291 | 294 |
| EPS reported | $ | 6.20 | 8.20 | ||||||
| Operating cashflow per share | $ | 14.47 | 11.27 | ||||||
| Capex per share | $ | 4.71 | 3.50 | ||||||
| FCF per share | $ | 9.76 | 7.77 | ||||||
| Free cash flow | $m | 334 | 262 | ||||||
| Net debt | $m | 1,643 | 2,284 | ||||||
| Book value equity | $m | 2,116 | 2,206 | ||||||
| Book value per share | $ | 59.76 | 63.19 | ||||||
| Number of shares | m | 35.4 | 34.91 | ||||||
| DPS (TTM paid) | $ | 0.31 | 0.11 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 11.79 | 9.24 | ||||||
| P/B LTM | x | 1.18 | 1.13 | ||||||
| P/S LTM | x | 3.10 | 2.83 | ||||||
| P/FCF LTM | x | 7.49 | 9.52 | ||||||
| EV/EBITDA LTM | x | 11.78 | 9.41 | ||||||
| EV/Sales LTM | x | 2.93 | 3.37 | ||||||
| Earnings Yield LTM | % | +8.48% | +10.82% | ||||||
| FCF Yield | % | +13.35% | +10.50% | ||||||
| Quality | |||||||||
| ROE | % | +10.59% | +13.57% | ||||||
| ROIC | % | +2.64% | +1.06% | ||||||
| Operating margin | % | +21.97% | +24.53% | ||||||
| Gross margin | % | +51.59% | +55.95% | ||||||
| FCF/Sales | % | +23.59% | +17.61% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +21.81% | +61.10% | ||||||
| Sales Growth YoY | % | +17.16% | +28.57% | ||||||
| Net Income Growth YoY | % | +23.49% | +60.61% | ||||||
| FCF Growth | % | +317.81% | +228.61% | ||||||
| Operating Profit Growth | % | +38.51% | +62.98% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +0.43% | 0.00% | ||||||
| Dividend Growth | % | -34.09% | -75.53% | ||||||
| Payout Ratio | % | +4.92% | +1.39% | ||||||
| FCF/Debt | x | 0.20 | 0.11 | ||||||
| Net Debt/EBITDA | x | 4.67 | 5.19 | ||||||
| EBIT/Net interest | x | 0.51 | 0.60 | ||||||
| Net debt/market cap | % | +68.52% | +85.12% | ||||||
| Net debt/Equity | x | 0.78 | 1.04 | ||||||
| Gross debt/equity | x | 0.81 | 1.07 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Customers Bancorp, Inc. (CUBI)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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.
Unlock all fundamental data
Sign up for FreeUnlock all fundamental data
Sign up for Free