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Customers Bancorp Inc

Financial Services US CUBI

66.6USD
-0.36(0.54%)

Last update at 2026-03-11T20:10:00Z

Day Range

65.3667.15
LowHigh

52 Week Range

15.8058.15
LowHigh

Fundamentals

  • Previous Close 66.96
  • Market Cap1780.54M
  • Volume317342
  • P/E Ratio8.95
  • Dividend Yield-%
  • Revenue TTM613.09M
  • Revenue Per Share TTM19.34
  • Gross Profit TTM 588.41M
  • Diluted EPS TTM6.32

Source: TradingView
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Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 291.30M 441.21M 175.96M 102.12M 91.05M
Minority interest - - - - -
Net income 228.03M 314.65M 132.58M 79.33M 71.69M
Selling general administrative 121.23M 201.81M 190.53M 156.97M 157.94M
Selling and marketing expenses 2.54M 1.52M 2.22M 4.04M 2.45M
Gross profit 632.38M 748.54M 502.28M 356.56M 314.69M
Reconciled depreciation 22.98M 17.82M 30.54M 22.88M 14.16M
Ebit 552.95M 401.59M 175.96M 102.12M 260.90M
Ebitda 575.93M 419.41M 190.67M 111.59M 265.29M
Depreciation and amortization 22.98M 17.82M 14.71M 9.47M 4.39M
Non operating income net other - - - - -
Operating income 552.95M 401.59M 175.96M 102.12M 251.13M
Other operating expenses 2.54M -346.95000M -326.32100M -254.44100M 63.56M
Interest expense 261.65M 95.81M 139.62M 186.43M 160.07M
Tax provision 63.26M 86.94M 43.38M 22.79M 19.36M
Interest income 885.37M 780.88M 543.30M 463.74M 417.95M
Net interest income 623.72M 685.07M 403.69M 277.31M 257.88M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 63.26M 86.94M 43.38M 22.79M 19.36M
Total revenue 632.38M 748.54M 502.28M 356.56M 314.69M
Total operating expenses 2.54M -346.95000M -326.32100M -254.44100M -63.56400M
Cost of revenue - - - - 165.72M
Total other income expense net -261.65300M 39.62M -139.61600M -186.42900M -160.07400M
Discontinued operations - -39.62100M -39.62100M -39.62100M -39.62100M
Net income from continuing ops 228.03M 354.27M 132.58M 79.33M 110.41M
Net income applicable to common shares 218.40M 300.13M 118.54M 64.87M 57.24M
Preferred stock and other adjustments - 14.51M 14.04M 14.46M 14.46M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Total assets 20896.11M 19575.03M 18439.25M 11520.72M 9833.42M
Intangible assets - 3.74M 14.30M 15.20M 16.50M
Earning assets - - - 1369.44M 815.34M
Other current assets 15335.43M 11317.83M 15218.99M 10053.80M 8380.75M
Total liab 19493.15M 18208.81M 17322.16M 10467.92M 8876.61M
Total stockholder equity 1402.96M 1366.22M 1117.09M 1052.80M 956.82M
Deferred long term liab 1.46M 0.87M 9.96M 1.05M -
Other current liab -300.00000M -951.12800M -1041.78600M -126.24100M -66.45500M
Common stock 35.01M 34.72M 32.99M 32.62M 32.25M
Capital stock 172.81M 172.52M 250.46M 250.09M 249.72M
Retained earnings 924.13M 705.73M 438.58M 381.52M 316.65M
Other liab 9.60M 12.84M 8.70M 17.24M 4.30M
Good will - - - 15.20M 16.50M
Other assets 1981.34M 11317.83M 15218.99M 10053.80M 10526.00M
Cash 455.81M 518.03M 693.35M 212.50M 62.13M
Cash and equivalents - - - - -
Total current liabilities 230.67M 951.13M 1041.79M 126.24M 66.45M
Current deferred revenue - - - - -
Net debt 949.73M 586.73M 462.08M 942.24M 1418.78M
Short term debt 300.00M 700.00M 850.00M - 24.96M
Short long term debt 300.00M 700.00M 850.00M - 24.96M
Short long term debt total 1405.53M 1104.76M 1155.43M 1154.74M 1480.92M
Other stockholder equity 469.12M 492.95M 433.81M 422.44M 413.11M
Property plant equipment 221.03M 8.89M 11.63M 9.39M 11.06M
Total current assets 18902.12M 4427.42M 1984.05M 846.45M 9140.85M
Long term investments 3827.76M 3817.15M 79.09M 486.33M 1.51M
Net tangible assets 1261.54M 1224.69M 885.32M 820.13M 722.85M
Short term investments 2987.50M 3817.15M 1210.29M 595.88M 665.01M
Net receivables 123.37M 92.24M 80.41M 38.07M 32.95M
Long term debt 1105.53M 1104.76M 305.43M 304.75M 232.85M
Inventory - - 0.06M 0.17M 0.82M
Accounts payable 230.67M 251.13M 191.79M 126.24M 66.45M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -163.09600M -4.98000M -5.76400M -1.25000M -22.66300M
Additional paid in capital - - - - -
Common stock total equity - 34.72M 32.99M 32.62M 32.25M
Preferred stock total equity - 137.79M 217.47M 217.47M 217.47M
Retained earnings total equity - 705.73M 438.58M 381.52M 316.65M
Treasury stock - -49.44200M -21.78000M -21.78000M -21.20900M
Accumulated amortization - - - - -
Non currrent assets other -3827.75900M -3829.77600M -1236.20900M -620.46000M 16.50M
Deferred long term asset charges - - - - -
Non current assets total 12.65M 3829.78M 1236.21M 620.46M 692.57M
Capital lease obligations - - - - -
Long term debt total - 404.76M 305.43M 304.75M 232.85M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -1298.41200M -2619.47500M -5030.37000M -513.27600M -564.86800M
Change to liabilities 0.00000M 102.98M 38.46M 15.00M 9.88M
Total cashflows from investing activities -1298.41200M -1201.26100M -6424.96900M -1444.43500M -104.09800M
Net borrowings -75.00000M -4641.21700M 4127.02M 24.44M -395.04000M
Total cash from financing activities 1257.01M 754.77M 6772.79M 1516.53M -77.56400M
Change to operating activities -20.99400M 102.98M 38.46M 15.00M 9.88M
Net income 228.03M 354.27M 132.58M 79.33M 71.69M
Change in cash -62.22600M -175.32200M 480.85M 150.37M -84.18800M
Begin period cash flow 518.03M 693.35M 212.50M 62.13M 146.32M
End period cash flow 455.81M 518.03M 693.35M 212.50M 62.13M
Total cash from operating activities -20.82500M 271.16M 133.03M 78.28M 97.47M
Issuance of capital stock 0.53M 27.76M 0.92M 2.15M 3.58M
Depreciation 27.16M 21.67M 30.54M 22.88M 14.16M
Other cashflows from investing activities 8.63M -37.67900M -1365.73300M -880.90200M 499.75M
Dividends paid -9.32600M -10.83300M -14.07600M -14.45900M 14.46M
Change to inventory - - - - -9339.93400M
Change to account receivables -3.59100M 46.66M -95.83300M -84.14100M -34.61400M
Sale purchase of stock -33.16200M -110.15900M 59582.28M -0.57100M -12.97600M
Other cashflows from financing activities 1398.97M 5263.02M 6785.95M 1554.40M 9.54M
Change to netincome -251.43100M -214.79000M 47.62M 36.83M 14.46M
Capital expenditures 113.35M 32.95M 28.87M 50.26M 38.98M
Change receivables - - - - -
Cash flows other operating - 145.87M -115.72700M -76.77300M 57.57M
Exchange rate changes - - - - -
Cash and cash equivalents changes - -150.94600M 480.85M 150.37M -84.18800M
Change in working capital -24.58500M 149.64M -57.37200M -69.13900M -24.73300M
Stock based compensation 14.15M 13.86M 12.88M 9.85M 9.74M
Other non cash items -272.48800M -286.02500M 32.37M 20.85M 17.31M
Free cash flow -134.17200M 238.21M 104.16M 28.02M 58.49M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x)
CUBI
Customers Bancorp Inc		 -0.36 0.54% 66.60 8.95 - 2.86 1.26
HDB
HDFC Bank Limited ADR		 -0.98 3.32% 28.50 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd		 -0.03 0.10% 31.55 6.61 5.68 0.48 0.77 3.43
IBN
ICICI Bank Limited		 -0.77 2.75% 27.28 17.79 16.95 0.07 3.08
BNPQY
BNP Paribas SA ADR		 1.15 2.26% 52.08 8.57 6.56 1.75 0.57

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Profile

Customers Bancorp, Inc. operates as the bank holding company for Customers Bank that provides financial products and services to individual consumers, and small and middle market businesses. The company provides deposit banking products, which includes commercial and consumer checking, non-interest-bearing and interest-bearing demand, MMDA, savings, and time deposit accounts. Its lending business offers commercial and industrial, commercial real estate, and multifamily and residential mortgage loans; SBA lending and financing; specialty lending includes fund finance, real estate specialty finance, technology and venture, healthcare and financial institutions group finance; commercial loans to mortgage companies, and commercial equipment financing; and fund finance, which includes secured and variable rate financing, private equity funds, and cash management services. In addition, the company provides digital banking including Banking-as-a-Service to fintech companies, payments and treasury services to businesses, and consumer loans through fintech companies and the TassatPay, an blockchain-based instant B2B payments platform which offers instant payments including over-the-counter desks, exchanges, liquidity providers, market makers, funds, and other B2B verticals. Further, it 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, such as account reconciliation, collections, and sweep accounts. The company was incorporated in 2010 and is headquartered in West Reading, Pennsylvania.

Customers Bancorp Inc

701 Reading Avenue, West Reading, PA, United States, 19611

Key Executives

Name Title Year Born
Mr. Jay S. Sidhu Founder, Chairman & CEO 1952
Mr. Samvir S. Sidhu Pres & Vice Chairman NA
Ms. Carla A. Leibold Exec. VP & CFO 1967
Mr. Andrew Hertz Bowman Sr. EVP, Chief Credit Officer 1968
Mr. Lyle P. Cunningham Exec. VP & Chief Lending Officer 1964
Mr. Jessie John Deano Velasquez Exec. VP & Chief Accounting Officer 1979
Mr. Andrew B. Sachs Esq. Exec. VP, Gen. Counsel & Corp. Sec. NA
Mr. David W. Patti Director of Communications NA
Mr. Robert Fischer Sr. VP, Relationship Mang. and Member of the Lending Team NA
Mr. Timothy D. Romig Regional Chief Lending Officer NA

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