CUBI-PF

Customers Bancorp, Inc.

Financial Services · USD

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Price alert · CUBI-PF

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24.99 USD 0.00 0.00%
As of Dec 12, 2025 Extended hours 24.99 0.00%
24.99 Day range 25.00
24.10 52-week range 25.99
YTD
-1.50%
1 year
-1.38%
Open
25.00
Prev close
24.99
Mkt cap
626.32M
Vol
29.82K
Avg vol
4.65K
EPS
10.03
P/E
2.56
Div yield
9.85%
More statistics
Low
24.99
High
25.00
Forward P/E
0.00
Beta
1.61
Short ratio
0.50
Inst. own
0.29%
Dividend
2.52
Ex-div date
Nov 28, 2024
50-d avg
25.47
200-d avg
25.34
1y target
0.00

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Financial health

Altman Z-Score

1.18 Distress zone

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

Piotroski F-Score

7 / 9 Strong

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

Valuation

P/E 11.4×
FY 2016: 14.3×FY 2017: 12.4×FY 2018: 10.1×FY 2019: 11.4×FY 2020: 4.4×FY 2021: 6.2×FY 2022: 4.2×FY 2023: 7.7×FY 2024: 9.2×FY 2025: 11.4×
FY 2016 5y median 7.7× FY 2025
P/S 1.8×
FY 2016: 2.6×FY 2017: 1.8×FY 2018: 1.2×FY 2019: 1.5×FY 2020: 1.0×FY 2021: 2.5×FY 2022: 1.0×FY 2023: 1.3×FY 2024: 1.1×FY 2025: 1.8×
FY 2016 5y median 1.3× FY 2025
P/B 1.2×
FY 2016: 1.2×FY 2017: 0.9×FY 2018: 0.6×FY 2019: 0.7×FY 2020: 0.5×FY 2021: 1.5×FY 2022: 0.7×FY 2023: 1.1×FY 2024: 0.8×FY 2025: 1.2×
FY 2016 5y median 1.1× FY 2025
P/FCF 7.5×
FY 2016: 11.5×FY 2017: 21.1×FY 2018: 10.1×FY 2019: 26.3×FY 2020: 4.6×FY 2021: 8.9×FY 2022: -6.9×FY 2023: 21.7×FY 2024: 19.2×FY 2025: 7.5×
FY 2016 5y median 8.9× FY 2025
EV/EBITDA 11.8×
FY 2016: 19.6×FY 2017: 20.1×FY 2018: 20.7×FY 2019: 18.3×FY 2020: 6.2×FY 2021: 6.0×FY 2022: 4.9×FY 2023: -1.5×FY 2024: -3.3×FY 2025: 11.8×
FY 2016 5y median 4.9× FY 2025
EV/Sales 2.9×
FY 2016: 6.8×FY 2017: 6.0×FY 2018: 4.6×FY 2019: 4.5×FY 2020: 2.1×FY 2021: 3.3×FY 2022: 1.8×FY 2023: -0.4×FY 2024: -0.6×FY 2025: 2.9×
FY 2016 5y median 1.8× FY 2025
FCF Yield 13.3%
FY 2016: 8.7%FY 2017: 4.7%FY 2018: 9.9%FY 2019: 3.8%FY 2020: 21.5%FY 2021: 11.3%FY 2022: -14.5%FY 2023: 4.6%FY 2024: 5.2%FY 2025: 13.3%
FY 2016 5y median 5.2% FY 2025

Profitability

Gross Margin 51.6%
FY 2016: 79.8%FY 2017: 75.0%FY 2018: 65.1%FY 2019: 57.5%FY 2020: 66.3%FY 2021: 85.4%FY 2022: 64.1%FY 2023: 46.9%FY 2024: 45.1%FY 2025: 51.6%
FY 2016 5y median 51.6% FY 2025
Operating Margin 22.0%
FY 2016: 33.1%FY 2017: 27.6%FY 2018: 19.2%FY 2019: 21.7%FY 2020: 31.6%FY 2021: 52.2%FY 2022: 32.5%FY 2023: 23.3%FY 2024: 16.5%FY 2025: 22.0%
FY 2016 5y median 23.3% FY 2025
Net Margin 15.8%
FY 2016: 20.9%FY 2017: 17.5%FY 2018: 15.1%FY 2019: 16.0%FY 2020: 22.1%FY 2021: 37.3%FY 2022: 25.5%FY 2023: 17.6%FY 2024: 13.3%FY 2025: 15.8%
FY 2016 5y median 17.6% 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 2.6%
FY 2016: 3.9%FY 2017: 2.6%FY 2018: 2.7%FY 2019: 3.0%FY 2020: 2.1%FY 2021: 13.9%FY 2022: 9.1%FY 2023: 7.4%FY 2024: 5.2%FY 2025: 2.6%
FY 2016 5y median 7.4% 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 3.9%
FY 2016: 36.3%FY 2017: 19.3%FY 2018: 5.6%FY 2019: 4.5%FY 2020: 21.1%FY 2021: 40.6%FY 2022: 6.0%FY 2023: 58.7%FY 2024: -4.2%FY 2025: 3.9%
FY 2016 FY 2025
Operating Income 38.5%
FY 2016: 40.8%FY 2017: -0.6%FY 2018: -26.5%FY 2019: 18.4%FY 2020: 76.1%FY 2021: 132.5%FY 2022: -34.0%FY 2023: 13.5%FY 2024: -32.2%FY 2025: 38.5%
FY 2016 FY 2025
EPS (diluted) 21.8%
FY 2016: 17.9%FY 2017: -14.7%FY 2018: -9.6%FY 2019: 15.2%FY 2020: 98.5%FY 2021: 147.7%FY 2022: -35.4%FY 2023: 12.4%FY 2024: -30.5%FY 2025: 21.8%
FY 2016 FY 2025
Free Cash Flow 317.8%
FY 2016: 35.1%FY 2017: -56.0%FY 2018: 50.6%FY 2019: -50.5%FY 2020: 336.8%FY 2021: 93.3%FY 2022: -156.3%FY 2023: 162.1%FY 2024: -4.2%FY 2025: 317.8%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.4×FY 2024: 0.3×FY 2025: 0.0×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.0×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.4×FY 2024: 0.3×FY 2025: 0.0×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.8×
FY 2016: 2.1×FY 2017: 2.2×FY 2018: 1.7×FY 2019: 1.6×FY 2020: 1.3×FY 2021: 0.9×FY 2022: 0.8×FY 2023: 0.9×FY 2024: 0.8×FY 2025: 0.8×
FY 2016 5y median 0.8× FY 2025
Net Debt / EBITDA 4.7×
FY 2016: 12.0×FY 2017: 14.2×FY 2018: 15.3×FY 2019: 12.2×FY 2020: 3.4×FY 2021: 1.4×FY 2022: 2.0×FY 2023: -6.4×FY 2024: -9.2×FY 2025: 4.7×
FY 2016 5y median 1.4× FY 2025
Interest Coverage 0.5×
FY 2016: 1.7×FY 2017: 1.2×FY 2018: 0.6×FY 2019: 0.6×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 0.4%
FY 2016: 0.9%FY 2017: 1.8%FY 2018: 2.5%FY 2019: 1.9%FY 2020: 2.5%FY 2021: 0.5%FY 2022: 1.0%FY 2023: 0.8%FY 2024: 1.0%FY 2025: 0.4%
FY 2016 5y median 0.8% 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