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Financials · CUBI

Customers Bancorp Inc (CUBI) financials

For the twelve months ended Sep 30, 2026, Customers Bancorp Inc reported $929.46M of revenue and $294.09M of net income.

Revenue, TTM
$929.46M
Revenue growth, YoY
+24.1%
Net income, TTM
$294.09M
Net income growth, YoY
+66.6%
Net margin
31.6%
Free cash flow, TTM
$316.29M
EPS, diluted, TTM
$8.31
EPS growth, YoY
+68.2%
Cash
$3.62B
P/E
9.73
P/S
3.08
Market cap
$2.86B
Annual revenue$818.31M
FY2016FY2025
Annual net income$224.09M
FY2016FY2025
Annual free cash flow$481.02M
FY2016FY2025

CUBI revenue and earnings growth

CUBI revenueQ3 2026$239.44M

Quarter YoY
+3.2%
QoQ
+5.3%
FY YoY
+14.5%
5Y CAGR
+11.8%
10Y CAGR
+13.8%

CUBI revenue was $239.44M in fiscal Q3 2026 (ended Sep 30, 2026), up 3.2% from a year earlier and up 5.3% from the prior quarter. For the full fiscal 2025 it was $818.31M, up 14.5% from fiscal 2024. Compound annual growth was +11.8% over 5 years and +13.8% over 10 years. It rose in 6 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

CUBI net incomeQ3 2026$78.38M

Quarter YoY
+3.5%
QoQ
+9.5%
FY YoY
+23.5%
5Y CAGR
+11.1%
10Y CAGR
+14.4%

CUBI net income was $78.38M in fiscal Q3 2026 (ended Sep 30, 2026), up 3.5% from a year earlier and up 9.5% from the prior quarter. For the full fiscal 2025 it was $224.09M, up 23.5% from fiscal 2024. Compound annual growth was +11.1% over 5 years and +14.4% over 10 years. It rose in 7 of the last 10 fiscal years.

CUBI EPSQ3 2026$2.25

Quarter YoY
+2.3%
QoQ
+9.8%
FY YoY
+23.0%
5Y CAGR
+10.9%
10Y CAGR
+12.3%

CUBI diluted EPS was $2.25 in fiscal Q3 2026 (ended Sep 30, 2026), up 2.3% from a year earlier and up 9.8% from the prior quarter. For the full fiscal 2025 it was $6.26, up 23.0% from fiscal 2024. Compound annual growth was +10.9% over 5 years and +12.3% over 10 years.

CUBI free cash flowQ3 2026$56.14M

Quarter YoY
-47.3%
QoQ
-47.1%
FY YoY
+235.1%
5Y CAGR
+30.2%
10Y CAGR
+22.4%

CUBI free cash flow was $56.14M in fiscal Q3 2026 (ended Sep 30, 2026), down 47.3% from a year earlier and down 47.1% from the prior quarter. For the full fiscal 2025 it was $481.02M, up 235.1% from fiscal 2024. Compound annual growth was +30.2% over 5 years and +22.4% over 10 years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$818.31M$714.84M$758.01M$655.99M$762.94M$467.51M$312.59M$316.88M$346.25M$305.87M
Interest expense--$679.91M$261.65M$95.81M$139.62M$186.43M$160.07M$105.51M$73.04M
Pre-tax income$288.43M$224.37M$330.74M$291.30M$441.21M$189.76M$107.78M$91.05M$123.88M$124.59M
Income tax$64.34M$42.90M$80.60M$63.26M$86.94M$46.72M$26.39M$19.36M$45.04M$45.89M
Net income$224.09M$181.47M$250.14M$228.03M$314.65M$132.58M$79.33M$71.69M$78.84M$78.70M
EPS, basic$6.46$5.28$7.49$6.69$9.29$3.76$2.08$1.81$2.10$2.51
EPS, diluted$6.26$5.09$7.32$6.51$8.91$3.74$2.05$1.78$1.97$2.31
Diluted shares33.4M32.7M32.2M33.5M33.7M31.7M31.6M32.2M32.6M30.0M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$4.41B$3.79B$3.85B$455.81M$518.03M$693.35M$212.50M$62.13M$146.32M$264.71M
Total assets$24.90B$22.31B$21.32B$20.90B$19.58B$18.44B$11.52B$9.83B$9.84B$9.38B
Short-term debt$0$100.00M$0$300.00M$775.00M$1.10B$1.04B$1.44B$1.77B$771.80M
Total debt----$0$4.42B$350.00M$0-$180.00M
Total liabilities$22.78B$20.47B$19.68B$19.49B$18.21B$17.32B$10.47B$8.88B$8.92B$8.53B
Shareholders' equity$2.12B$1.84B$1.64B$1.40B$1.37B$1.12B$1.05B$956.82M$920.96M$855.87M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$494.76M$145.06M$124.73M-$20.82M$295.54M$133.42M$41.29M$97.47M$62.19M$91.40M
Capital expenditures$13.74M$1.49M$590.0K$4.05M$613.0K$4.67M$1.52M$1.78M$2.13M$5.43M
Free cash flow$481.02M$143.57M$124.14M-$24.87M$294.93M$128.75M$39.77M$95.70M$60.06M$85.98M
Investing cash flow-$2.06B-$1.01B$3.16B-$1.30B-$1.20B-$6.42B-$1.44B-$104.10M-$565.13M-$961.53M
Financing cash flow$2.19B$800.62M$108.09M$1.26B$754.77M$6.77B$1.52B-$77.56M$384.55M$870.25M
Share repurchases$5.64M$19.24M$39.81M$33.16M$27.66M$0$571.0K$12.98M$0$0
Stock-based compensation$18.46M$14.44M$12.59M$14.15M$13.86M$12.88M$9.85M$9.74M$7.17M$7.07M
Depreciation and amortization$41.80M$33.55M$31.81M$27.16M$21.67M$18.51M$13.61M$14.16M$10.80M$5.90M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY14.5%-5.7%15.6%-14.0%63.2%49.6%-1.4%-8.5%13.2%36.5%
Net income growth, YoY23.5%-27.5%9.7%-27.5%137.3%67.1%10.6%-9.1%0.2%34.3%
EPS growth, YoY23.0%-30.5%12.4%-26.9%138.2%82.4%15.2%-9.6%-14.7%17.9%
Net margin27.4%25.4%33.0%34.8%41.2%28.4%25.4%22.6%22.8%25.7%
Free cash flow margin58.8%20.1%16.4%-3.8%38.7%27.5%12.7%30.2%17.3%28.1%
Return on equity10.6%9.9%15.3%16.3%23.0%11.9%7.5%7.5%8.6%9.2%
Return on assets0.9%0.8%1.2%1.1%1.6%0.7%0.7%0.7%0.8%0.8%
Debt to equity----0.003.950.330.00-0.21

Source: XBRL data Customers Bancorp Inc files with the SEC, latest filing dated Nov 6, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

CUBI peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
CUBI$929.46M+24.1%$294.09M31.6%$2.86B
JPM$203.15B+13.2%$65.98B32.5%$888.26B
BAC$120.16B+5.4%$32.24B26.8%$340.97B
WFC$87.23B+5.4%$22.97B26.3%$251.98B
C$85.22B+5.6%$14.31B16.8%$199.70B
UBS$49.57B+2.0%$7.80B15.7%$148.27B
COF$63.01B+31.2%$10.87B17.2%$121.43B
MFG¥8.79T+7.6%¥1.16T13.2%$116.96B
BNSC$37.74B+12.1%C$7.79B20.6%$112.48B

CUBI FAQ

8 questions
  • What is CUBI revenue?
    Customers Bancorp Inc (CUBI) reported $929.46M of revenue for the twelve months ended Sep 30, 2026. That is up 24.1% from the year before. Revenue for fiscal 2025 was $818.31M.
  • Is CUBI profitable?
    Yes. Customers Bancorp Inc earned $294.09M in net income for the twelve months ended Sep 30, 2026, a net margin of 31.6%.
  • How much cash and debt does CUBI have?
    Customers Bancorp Inc reported $3.62B in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is CUBI revenue growing?
    Customers Bancorp Inc's revenue changed +14.5% in fiscal 2025, to $818.31M. Its compound annual growth rate was +11.8% over 5 years and +13.8% over 10 years.
  • What is CUBI free cash flow?
    Customers Bancorp Inc generated $316.29M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $320.51M less capital expenditures.
  • What is CUBI earnings per share?
    Diluted earnings per share were $8.31 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did CUBI last report financial results?
    The latest statements here come from Customers Bancorp Inc's 10-Q filed on Nov 6, 2026, covering the period ended Sep 30, 2026.
  • Where does this CUBI financial data come from?
    Quantisnow builds these statements from the structured XBRL data Customers Bancorp Inc files with the SEC. It is provided for information only and is not investment advice.