CUBB

Customers Bancorp, Inc 5.375% S

USD

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Price alert · CUBB

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20.70 USD -0.30 -1.43%
As of Oct 30, 2026 Extended hours 21.43 +3.53%
Bid
19.77 × 900
Ask
21.94 × 200
20.70 Day range 20.83
20.45 52-week range 23.88
YTD
-6.84%
1 year
-1.90%
Open
20.70
Prev close
21.00
Mkt cap
717.53M
Vol
5.19K
Avg vol
1.95K
EPS
0.00
P/E
0.00
Div yield
0.00%
More statistics
Low
20.70
High
20.83
Forward P/E
0.00
Beta
0.00
Dividend
0.00
Ex-div date
50-d avg
20.65
200-d avg
19.93

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Financial health

Altman Z-Score

1.16 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 1
  • Return on Equity 4
  • Return on Assets 3
  • Debt / Equity 2
  • P/E 5
  • P/B 5

Valuation

P/E 3.4×
FY 2016: 8.8×FY 2017: 9.8×FY 2018: 11.1×FY 2019: 10.0×FY 2020: 6.1×FY 2021: 2.6×FY 2022: 3.1×FY 2023: 2.6×FY 2024: 3.7×FY 2025: 3.4×
FY 2016 5y median 3.1× FY 2025
P/S 0.5×
FY 2016: 1.9×FY 2017: 1.8×FY 2018: 1.7×FY 2019: 1.5×FY 2020: 1.3×FY 2021: 1.0×FY 2022: 0.7×FY 2023: 0.4×FY 2024: 0.4×FY 2025: 0.5×
FY 2016 5y median 0.5× FY 2025
P/B 0.3×
FY 2016: 0.8×FY 2017: 0.8×FY 2018: 0.8×FY 2019: 0.7×FY 2020: 0.7×FY 2021: 0.6×FY 2022: 0.5×FY 2023: 0.4×FY 2024: 0.3×FY 2025: 0.3×
FY 2016 5y median 0.4× FY 2025
P/FCF 1.5×
FY 2016: 8.4×FY 2017: -26.2×FY 2018: 8.4×FY 2019: 10.3×FY 2020: 6.3×FY 2021: 3.5×FY 2022: -27.0×FY 2023: 7.3×FY 2024: 4.3×FY 2025: 1.5×
FY 2016 5y median 3.5× FY 2025
EV/EBITDA 7.2×
FY 2016: 12.7×FY 2017: 20.9×FY 2018: 23.3×FY 2019: 20.0×FY 2020: 31.9×FY 2021: 4.5×FY 2022: 5.7×FY 2023: 6.4×FY 2024: -7.2×FY 2025: 7.2×
FY 2016 5y median 5.7× FY 2025
EV/Sales 1.7×
FY 2016: 4.5×FY 2017: 6.5×FY 2018: 5.3×FY 2019: 4.7×FY 2020: 10.9×FY 2021: 2.4×FY 2022: 1.9×FY 2023: 1.5×FY 2024: -1.3×FY 2025: 1.7×
FY 2016 5y median 1.7× FY 2025
FCF Yield 66.8%
FY 2016: 11.9%FY 2017: -3.8%FY 2018: 11.9%FY 2019: 9.7%FY 2020: 16.0%FY 2021: 28.6%FY 2022: -3.7%FY 2023: 13.7%FY 2024: 23.5%FY 2025: 66.8%
FY 2016 5y median 23.5% FY 2025

Profitability

Gross Margin 48.6%
FY 2016: 79.2%FY 2017: 74.0%FY 2018: 64.2%FY 2019: 60.6%FY 2020: 66.7%FY 2021: 85.6%FY 2022: 65.3%FY 2023: 47.2%FY 2024: 46.2%FY 2025: 48.6%
FY 2016 5y median 48.6% FY 2025
Operating Margin 21.0%
FY 2016: 34.1%FY 2017: 28.7%FY 2018: 19.7%FY 2019: 19.1%FY 2020: 31.2%FY 2021: 51.4%FY 2022: 31.5%FY 2023: 23.1%FY 2024: 16.2%FY 2025: 21.0%
FY 2016 5y median 23.1% FY 2025
Net Margin 16.3%
FY 2016: 21.5%FY 2017: 18.3%FY 2018: 15.5%FY 2019: 14.8%FY 2020: 21.8%FY 2021: 36.7%FY 2022: 24.6%FY 2023: 17.5%FY 2024: 13.1%FY 2025: 16.3%
FY 2016 5y median 17.5% FY 2025
ROE 10.6%
FY 2016: 9.2%FY 2017: 8.6%FY 2018: 7.5%FY 2019: 7.5%FY 2020: 11.9%FY 2021: 23.0%FY 2022: 16.3%FY 2023: 15.3%FY 2024: 9.9%FY 2025: 10.6%
FY 2016 5y median 15.3% FY 2025
ROIC 1.2%
FY 2016: 1.0%FY 2017: 1.0%FY 2018: 1.1%FY 2019: -3.3%FY 2020: -3.6%FY 2021: 23.8%FY 2022: 25.8%FY 2023: 6.3%FY 2024: 1.1%FY 2025: 1.2%
FY 2016 5y median 6.3% FY 2025
ROA 0.9%
FY 2016: 0.8%FY 2017: 0.8%FY 2018: 0.7%FY 2019: 0.7%FY 2020: 0.7%FY 2021: 1.6%FY 2022: 1.1%FY 2023: 1.2%FY 2024: 0.8%FY 2025: 0.9%
FY 2016 5y median 1.1% FY 2025

Growth (YoY)

Revenue -0.9%
FY 2016: 33.4%FY 2017: 18.0%FY 2018: 7.2%FY 2019: 15.6%FY 2020: 13.6%FY 2021: 41.3%FY 2022: 7.9%FY 2023: 54.4%FY 2024: -2.9%FY 2025: -0.9%
FY 2016 FY 2025
Operating Income 28.5%
FY 2016: 30.1%FY 2017: -0.6%FY 2018: -26.5%FY 2019: 12.2%FY 2020: 85.8%FY 2021: 132.5%FY 2022: -34.0%FY 2023: 13.5%FY 2024: -32.2%FY 2025: 28.5%
FY 2016 FY 2025
EPS (diluted) 23.0%
FY 2016: 33.7%FY 2017: -7.6%FY 2018: -8.3%FY 2019: 13.1%FY 2020: 66.5%FY 2021: 141.1%FY 2022: -35.4%FY 2023: 12.4%FY 2024: -30.5%FY 2025: 23.0%
FY 2016 FY 2025
Free Cash Flow 235.1%
FY 2016: 29.7%FY 2017: -135.6%FY 2018: 420.1%FY 2019: -18.7%FY 2020: 68.1%FY 2021: 93.0%FY 2022: -110.0%FY 2023: 435.3%FY 2024: 72.2%FY 2025: 235.1%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.0×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Quick Ratio 0.0×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.0×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Debt / Equity 0.8×
FY 2016: 1.1×FY 2017: 2.2×FY 2018: 1.7×FY 2019: 1.6×FY 2020: 5.2×FY 2021: 0.9×FY 2022: 0.8×FY 2023: 0.9×FY 2024: 0.7×FY 2025: 0.8×
FY 2016 5y median 0.8× FY 2025
Net Debt / EBITDA 5.0×
FY 2016: 7.4×FY 2017: 15.2×FY 2018: 15.8×FY 2019: 13.7×FY 2020: 28.0×FY 2021: 2.6×FY 2022: 3.6×FY 2023: 4.6×FY 2024: -9.6×FY 2025: 5.0×
FY 2016 5y median 3.6× FY 2025
Interest Coverage 0.5×
FY 2016: 1.7×FY 2017: 1.2×FY 2018: 0.6×FY 2019: 0.5×FY 2020: 1.4×FY 2021: 4.6×FY 2022: 1.1×FY 2023: 0.5×FY 2024: 0.3×FY 2025: 0.5×
FY 2016 5y median 0.5× FY 2025

Dividends

Dividend Yield 1.5%
FY 2016: 1.3%FY 2017: 1.9%FY 2018: 1.8%FY 2019: 1.8%FY 2020: 1.7%FY 2021: 1.2%FY 2022: 1.4%FY 2023: 2.4%FY 2024: 2.5%FY 2025: 1.5%
FY 2016 5y median 1.5% FY 2025
Payout Ratio 4.8%
FY 2016: 11.5%FY 2017: 18.3%FY 2018: 20.2%FY 2019: 18.2%FY 2020: 10.6%FY 2021: 3.4%FY 2022: 4.1%FY 2023: 5.9%FY 2024: 8.3%FY 2025: 4.8%
FY 2016 5y median 4.8% FY 2025

Annual · latest fiscal year ends 2025-12-31