CUBI
$74.78+0.58%
CUBI financial statements
The full income statement, balance sheet, and cash-flow statement for Customers Bancorp Inc (CUBI), plus valuation ratios — straight from SEC filings. Switch between annual, quarterly, and trailing-twelve-month figures, pick how far back to look, and flip the time order. Every line has a trend sparkline.
Shares outstanding (point-in-time)
2024-06 31.7M2024-09 31.3M2024-12 31.5M2025-03 31.6M2025-06 31.6M2025-09 34.2M2025-12 34.2M2026-03 33.8M2026-06 33.8M+6.6% over 8 periods
SEC-filed end-of-period counts (cover pages and balance sheets, split-adjusted) — the series realized buyback yield is computed from. The weighted-average share lines in the statements below lag these by design: an average over the year sits near the midpoint of an ongoing buyback.
As-reported fiscal years.
| Line item | Trend | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Income Statement | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| 818M+14.5% | 715M-5.7% | 758M+15.6% | 656M-14.0% | 763M+63.2% | ||
| Lease income | 47.4M+16.7% | 40.7M+12.4% | 36.2M+30.5% | 27.7M+31.3% | 21.1M+16.4% | |
| Noninterest income | 67.8M+12.2% | 60.4M-14.4% | 70.6M+118.7% | 32.3M-58.6% | 77.9M+22.0% | |
| Noninterest expense | 432M+3.6% | 417M+18.2% | 353M+15.8% | 305M+3.5% | 294M+36.9% | |
| Interest expense | — | — | 680M+159.9% | 262M+173.1% | 95.8M-31.4% | |
| Interest & investment income | 1.36B+2.4% | 1.33B-2.9% | 1.37B+54.4% | 885M+13.4% | 781M+43.7% | |
| Net interest income | 750M+14.7% | 654M-4.8% | 687M+10.2% | 624M-9.0% | 685M+69.7% | |
| Pre-tax income | 288M+28.5% | 224M-32.2% | 331M+13.5% | 291M-34.0% | 441M+132.5% | |
| Income tax | 64.3M+50.0% | 42.9M-46.8% | 80.6M+27.4% | 63.3M-27.2% | 86.9M+86.1% | |
| 224M+23.5% | 181M-27.5% | 250M+9.7% | 228M-27.5% | 315M+137.3% | ||
| Income from continuing operations | 224M+23.5% | 181M-27.5% | 250M+9.7% | 228M-35.6% | 354M+147.7% | |
| Preferred dividends | 10.2M-32.2% | 15.0M+2.3% | 14.7M+52.6% | 9.63M-17.6% | 11.7M-16.7% | |
| Net income to common | 209M+25.7% | 166M-29.3% | 235M+7.8% | 218M-27.2% | 300M+153.2% | |
| $6.26+23.0% | $5.09-30.5% | $7.32+12.4% | $6.51-26.9% | $8.91+138.2% | ||
| EPS (basic) | $6.46+22.3% | $5.28-29.5% | $7.49+12.0% | $6.69-28.0% | $9.29+147.1% | |
| Weighted-avg shares (basic) | 32.4M+2.8% | 31.5M+0.2% | 31.4M-3.7% | 32.6M+1.0% | 32.3M+2.6% | |
| Weighted-avg shares (diluted) | 33.4M+2.2% | 32.7M+1.7% | 32.2M-4.1% | 33.5M-0.4% | 33.7M+6.2% | |
| Balance Sheet | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| Cash & equivalents | 4.41B+16.5% | 3.79B-1.6% | 3.85B+743.9% | 456M-12.0% | 518M-25.3% | |
| 24.9B+11.6% | 22.3B+4.7% | 21.3B+2.0% | 20.9B+6.7% | 19.6B+6.2% | ||
| Property, plant & equipment | 16.7M+151.1% | 6.67M-9.5% | 7.37M-18.3% | 9.03M+1.5% | 8.89M-20.8% | |
| Operating lease right-of-use | 34.3M-2.8% | 35.3M+125.8% | 15.6M-3.0% | 16.1M+27.3% | 12.7M-23.5% | |
| Short-term & current debt | 0.00-100.0% | 100M | 0.00-100.0% | 300M-61.3% | 775M-29.5% | |
| 22.8B+11.3% | 20.5B+4.0% | 19.7B+0.9% | 19.5B+7.1% | 18.2B+5.1% | ||
| Long-term debt | — | — | — | — | 0.00-100.0% | |
| Operating lease liability (total) | 41.7M+10.1% | 37.9M+109.9% | 18.0M-5.2% | 19.0M+31.1% | 14.5M-19.3% | |
| 2.12B+15.2% | 1.84B+12.1% | 1.64B+16.8% | 1.40B+2.7% | 1.37B+22.3% | ||
| Preferred stock | 0.00-100.0% | 138M+0.0% | 138M+0.0% | 138M+0.0% | 138M-36.6% | |
| Common stock | 36.2M+1.2% | 35.8M+0.8% | 35.5M+1.3% | 35.0M+0.8% | 34.7M+5.3% | |
| Additional paid-in capital | 667M+15.9% | 575M+1.9% | 565M+2.3% | 552M+1.7% | 542M+19.1% | |
| Retained earnings | 1.54B+15.8% | 1.33B+14.4% | 1.16B+25.5% | 924M+30.9% | 706M+60.9% | |
| Treasury stock | 68.6M-51.6% | 142M+15.7% | 122M+48.2% | 82.6M+67.1% | 49.4M+127.0% | |
| Accumulated other comprehensive income | -54.0M+44.0% | -96.6M+29.3% | -137M+16.3% | -163M-3175.0% | -4.98M+13.6% | |
| Total liabilities & equity | 24.9B+11.6% | 22.3B+4.7% | 21.3B+2.0% | 20.9B+6.7% | 19.6B+6.2% | |
| Common shares issued | 36.2M+1.2% | 35.8M+0.8% | 35.5M+1.3% | 35.0M+0.8% | 34.7M+5.3% | |
| Common shares outstanding | 34.2M+9.1% | 31.3M-0.3% | 31.4M-2.9% | 32.4M-1.6% | 32.9M+3.8% | |
| Shares outstanding (cover) | 34.2M+8.7% | 31.5M-0.1% | 31.5M-0.4% | 31.6M-4.1% | 32.9M+3.2% | |
| Cash Flow | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| 495M+241.1% | 145M+16.3% | 125M+698.9% | -20.8M-107.0% | 296M+122.2% | ||
| Depreciation & amortization | 41.8M+24.6% | 33.6M+5.5% | 31.8M+17.1% | 27.2M+25.3% | 21.7M+17.0% | |
| Share-based compensation | 18.5M+27.9% | 14.4M+14.7% | 12.6M-11.1% | 14.2M+2.1% | 13.9M+7.6% | |
| Deferred income taxes | -11.0M-861.5% | -1.14M-105.2% | 22.2M+221.1% | 6.91M-61.1% | 17.8M+212.0% | |
| -2.06B-104.4% | -1.01B-131.9% | 3.16B+343.2% | -1.30B-8.1% | -1.20B+81.3% | ||
| Capital expenditure | 13.7M+821.5% | 1.49M+152.7% | 590K-85.4% | 4.05M+560.0% | 613K-86.9% | |
| Free cash flow | 481M+235.1% | 144M+15.6% | 124M+599.1% | -24.9M-108.4% | 295M+129.8% | |
| Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Sales/maturities of investments | 406M-35.5% | 629M+94.6% | 323M-30.3% | 464M+46.4% | 317M | |
| Proceeds from sale of PP&E | 18.0K | 0.00-100.0% | 73.0K | 0.00 | 0.00 | |
| 2.19B+173.3% | 801M+640.7% | 108M-91.4% | 1.26B+66.5% | 755M-88.9% | ||
| Long-term debt issued | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Long-term debt repaid | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Common stock issued | 166M+9318.0% | 1.76M-43.4% | 3.11M+483.9% | 533K-98.1% | 27.8M+2907.8% | |
| Common stock repurchased | 5.64M-70.7% | 19.2M-51.7% | 39.8M+20.0% | 33.2M+19.9% | 27.7M | |
| Dividends paid | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net change in cash | 626M+1135.4% | -60.4M-101.8% | 3.39B+5548.8% | -62.2M+64.5% | -175M-136.5% | |
| Interest paid | 601M-16.0% | 715M+10.1% | 650M+186.2% | 227M+110.3% | 108M-17.8% | |
| Income taxes paid | 36.1M-37.4% | 57.6M+28.1% | 45.0M-43.8% | 80.1M-14.9% | 94.1M+2792.5% | |
| Valuation Ratios | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| Market cap | 2.50B+63.3% | 1.53B-15.4% | 1.81B+96.4% | 921M-57.2% | 2.15B+271.1% | |
| P/E | 11.2×+32.2% | 8.4×+1.1% | 8.4×+171.9% | 3.1×-55.1% | 6.8×+56.3% | |
| P/S | 3.1×+42.7% | 2.1×-16.0% | 2.6×+100.5% | 1.3×-54.9% | 2.8×+127.4% | |
| P/B | 1.2×+41.8% | 0.8×-28.0% | 1.2×+74.5% | 0.7×-57.9% | 1.6×+203.4% | |
| P/FCF | 5.2×-51.3% | 10.7× | — | 3.1×-57.3% | 7.3×+61.5% | |
| Earnings yield | 9.0%-24.4% | 11.8%-1.1% | 12.0%-63.2% | 32.6%+122.8% | 14.6%-36.0% | |
| FCF yield | 19.2%+105.2% | 9.4% | — | 32.0%+134.0% | 13.7%-38.1% | |
| Source filing | 10-K | 10-K | 10-K | 10-K | 10-K |
About this data
Source: CUBI’s SEC filings (10-K / 10-Q). Annual columns are as-reported fiscal years; quarterly columns are as-reported fiscal quarters (Q4 derived as full-year minus the first three quarters where a company doesn’t file a standalone Q4); TTM (quarterly) rolls the trailing four quarters at every quarter end, TTM (yearly) samples that one year apart; balance-sheet rows show the period-end balance. Valuation ratios are sampled as of each period end. View all CUBI filings on SEC EDGAR → Not investment advice.