InsiderClue
Stocks · Financials · State Commercial Banks

Customers Bancorp, Inc.

CUBB Clue Score55
United States Fiscal year ends December CIK 0001488813
$20.80 -1.32% Close, 9 Oct 2026
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Price $20.80 −23.76% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 23 Dec 2019. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Net income0.08EPS, diluted2.31Fiscal year 2017Revenue0.06Net income0.08 +0.2%EPS, diluted1.97 −14.7%Fiscal year 2018Revenue0.04 −22.7%Net income0.07 −9.1%EPS, diluted1.78 −9.6%Fiscal year 2019Revenue0.05 +8.1%Net income0.08 +10.6%EPS, diluted2.05 +15.2%Fiscal year 2020Revenue0.04 −14.0%Net income0.13 +67.1%EPS, diluted3.74 +82.4%Fiscal year 2021Net income0.31 +137.3%EPS, diluted8.91 +138.2%Fiscal year 2022Net income0.23 −27.5%EPS, diluted6.51 −26.9%Fiscal year 2023Net income0.25 +9.7%EPS, diluted7.32 +12.4%Fiscal year 2024Net income0.18 −27.5%EPS, diluted5.09 −30.5%Fiscal year 2025Net income0.22 +23.5%EPS, diluted6.26 +23.0%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue n/a 0.06 0.04 0.05 0.04 n/a n/a n/a n/a n/a
Growth −22.7% +8.1% −14.0%
Net income 0.08 0.08 0.07 0.08 0.13 0.31 0.23 0.25 0.18 0.22
Growth +0.2% −9.1% +10.6% +67.1% +137.3% −27.5% +9.7% −27.5% +23.5%
EPS, diluted 2.31 1.97 1.78 2.05 3.74 8.91 6.51 7.32 5.09 6.26
Growth −14.7% −9.6% +15.2% +82.4% +138.2% −26.9% +12.4% −30.5% +23.0%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Fiscal year 2017Net margin140.9%Free cash flow margin107.3%Fiscal year 2018Net margin165.8%Free cash flow margin221.3%Fiscal year 2019Net margin169.8%Free cash flow margin164.3%Fiscal year 2020Net margin329.8%Free cash flow margin319.3%Fiscal year 2021Fiscal year 2022Fiscal year 2023Fiscal year 2024Fiscal year 2025
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin n/a 140.9% 165.8% 169.8% 329.8% n/a n/a n/a n/a n/a
Free cash flow margin n/a 107.3% 221.3% 164.3% 319.3% n/a n/a n/a n/a n/a

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow0.09Capital expenditure−0.01Free cash flow0.09Buybacks0.00Fiscal year 2017Operating cash flow0.06Capital expenditure−0.00Free cash flow0.06 −30.1%Buybacks0.00Fiscal year 2018Operating cash flow0.10Capital expenditure−0.00Free cash flow0.10 +59.3%Buybacks−0.01Fiscal year 2019Operating cash flow0.08Capital expenditure−0.00Free cash flow0.08 −19.8%Buybacks−0.00Fiscal year 2020Operating cash flow0.13Capital expenditure−0.00Free cash flow0.13 +67.2%Buybacks0.00Fiscal year 2021Operating cash flow0.30Capital expenditure−0.00Free cash flow0.29 +129.8%Buybacks−0.03Fiscal year 2022Operating cash flow−0.02Capital expenditure−0.00Free cash flow−0.02 −108.4%Buybacks−0.03Fiscal year 2023Operating cash flow0.12Capital expenditure−0.00Free cash flow0.12Buybacks−0.04Fiscal year 2024Operating cash flow0.15Capital expenditure−0.00Free cash flow0.14 +15.6%Buybacks−0.02Fiscal year 2025Operating cash flow0.49Capital expenditure−0.01Free cash flow0.48 +235.1%Buybacks−0.01
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 0.09 0.06 0.10 0.08 0.13 0.30 −0.02 0.12 0.15 0.49
Capital expenditure −0.01 −0.00 −0.00 −0.00 −0.00 −0.00 −0.00 −0.00 −0.00 −0.01
Free cash flow 0.09 0.06 0.10 0.08 0.13 0.29 −0.02 0.12 0.14 0.48
Growth −30.1% +59.3% −19.8% +67.2% +129.8% −108.4% +15.6% +235.1%
Buybacks 0.00 0.00 −0.01 −0.00 0.00 −0.03 −0.03 −0.04 −0.02 −0.01

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash0.26Total debt0.18Net cash (debt)0.08Shareholders’ equity0.86Debt to equity0.21Fiscal year 2017Cash0.15Shareholders’ equity0.92Fiscal year 2018Cash0.06Total debt0.00Net cash (debt)0.06Shareholders’ equity0.96Debt to equity0.00Fiscal year 2019Cash0.21Total debt0.35Net cash (debt)−0.14Shareholders’ equity1.05Debt to equity0.33Fiscal year 2020Cash0.69Total debt4.42Net cash (debt)−3.72Shareholders’ equity1.12Debt to equity3.95Fiscal year 2021Cash0.52Total debt0.00Net cash (debt)0.52Shareholders’ equity1.37Debt to equity0.00Fiscal year 2022Cash0.46Shareholders’ equity1.40Fiscal year 2023Cash3.85Shareholders’ equity1.64Fiscal year 2024Cash3.79Shareholders’ equity1.84Fiscal year 2025Cash4.41Shareholders’ equity2.12
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 0.26 0.15 0.06 0.21 0.69 0.52 0.46 3.85 3.79 4.41
Total debt 0.18 n/a 0.00 0.35 4.42 0.00 n/a n/a n/a n/a
Net cash (debt) 0.08 n/a 0.06 −0.14 −3.72 0.52 n/a n/a n/a n/a
Shareholders’ equity 0.86 0.92 0.96 1.05 1.12 1.37 1.40 1.64 1.84 2.12
Debt to equity 0.21 n/a 0.00 0.33 3.95 0.00 n/a n/a n/a n/a

In billions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Income statement

In billions of USD, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Revenue and profit
n/a 0.06 0.04 0.05 0.04 n/a n/a n/a n/a n/a
Growth −22.7% +8.1% −14.0%
0.12 0.12 0.09 0.11 0.19 0.44 0.29 0.33 0.22 0.29
0.05 0.05 0.02 0.03 0.05 0.09 0.06 0.08 0.04 0.06
0.08 0.08 0.07 0.08 0.13 0.31 0.23 0.25 0.18 0.22
Growth +0.2% −9.1% +10.6% +67.1% +137.3% −27.5% +9.7% −27.5% +23.5%
Per share
2.51 2.10 1.81 2.08 3.76 9.29 6.69 7.49 5.28 6.46
2.31 1.97 1.78 2.05 3.74 8.91 6.51 7.32 5.09 6.26
Growth −14.7% −9.6% +15.2% +82.4% +138.2% −26.9% +12.4% −30.5% +23.0%
27.6 30.7 31.6 31.2 31.5 32.3 32.6 31.4 31.5 32.4
30.0 32.6 32.2 31.6 31.7 33.7 33.5 32.2 32.7 33.4
Growth +8.6% −1.1% −1.8% +0.3% +6.2% −0.4% −4.1% +1.7% +2.2%

Five years in brief

Worked out from the figures above, not from a press release
  • The diluted share count rose 5.4% in five years, which is dilution.
  • Profitable in every one of the 10 years on file.