Customers Bancorp, Inc. (CUBI)
Q1-CY2026Q4-CY2025Q3-CY2025Q2-CY2025Q1-CY2025Q4-CY2024Q3-CY2024Q2-CY2024Q1-CY2024Q4-CY2023Q3-CY2023Q2-CY2023Q1-CY2023Q4-CY2022Q3-CY2022Q2-CY2022Q1-CY2022Q4-CY2021Q3-CY2021Q2-CY2021Q1-CY2021Q4-CY2020Q3-CY2020Q2-CY2020Q1-CY2020Q4-CY2019Q3-CY2019Q2-CY2019Q1-CY2019Q4-CY2018Q3-CY2018Q2-CY2018Q1-CY2018Q4-CY2017Q3-CY2017Q2-CY2017Q1-CY2017Q4-CY2016Q3-CY2016Q2-CY2016Q1-CY2016Q4-CY2015Q3-CY2015Q2-CY2015Q1-CY2015Q4-CY2014Q3-CY2014Q2-CY2014Q1-CY2014
Balance Sheet Date2025-Dec-312025-Sep-302025-Jun-302025-Mar-312024-Dec-312024-Sep-302024-Jun-302024-Mar-312023-Dec-312023-Sep-302023-Jun-302023-Mar-312022-Dec-312022-Sep-302022-Jun-302022-Mar-312021-Dec-312021-Sep-302021-Jun-302021-Mar-312020-Dec-312020-Sep-302020-Jun-302020-Mar-312019-Dec-312019-Sep-302019-Jun-302019-Mar-312018-Dec-312018-Sep-302018-Jun-302018-Mar-312017-Dec-312017-Sep-302017-Jun-302017-Mar-312016-Dec-312016-Sep-302016-Jun-302016-Mar-312015-Dec-312015-Sep-302015-Jun-302015-Mar-312014-Dec-312014-Sep-302014-Jun-302014-Mar-31
Fiscal PeriodQ4-FY2025Q3-FY2025Q2-FY2025Q1-FY2025Q4-FY2024Q3-FY2024Q2-FY2024Q1-FY2024Q4-FY2023Q3-FY2023Q2-FY2023Q1-FY2023Q4-FY2022Q3-FY2022Q2-FY2022Q1-FY2022Q4-FY2021Q3-FY2021Q2-FY2021Q1-FY2021Q4-FY2020Q3-FY2020Q2-FY2020Q1-FY2020Q4-FY2019Q3-FY2019Q2-FY2019Q1-FY2019Q4-FY2018Q3-FY2018Q2-FY2018Q1-FY2018Q4-FY2017Q3-FY2017Q2-FY2017Q1-FY2017Q4-FY2016Q3-FY2016Q2-FY2016Q1-FY2016Q4-FY2015Q3-FY2015Q2-FY2015Q1-FY2015Q4-FY2014Q3-FY2014Q2-FY2014Q1-FY2014
Total Revenue236,944,000$232,103,000$206,309,000$142,956,000$167,430,000$167,102,000$198,690,000$181,616,000$191,178,000$217,548,000$181,268,000$168,020,000$142,482,000$150,015,000$177,598,000$185,897,000$210,685,000$245,478,000$155,579,000$151,199,000$139,029,000$132,303,000$103,693,000$92,481,000$103,406,000$99,104,000$76,715,000$79,022,000$81,401,000$66,085,000$83,449,000$85,941,000$88,040,000$86,045,000$86,996,000$85,172,000$79,259,000$92,071,000$71,415,000$63,121,000$62,772,000$56,096,000$52,947,000$52,056,000$50,790,000$45,316,000$43,841,000$37,102,000$
QoQ%2.09%12.50%44.32%(14.62%).20%(15.90%)9.40%(5.00%)(12.12%)20.02%7.89%17.92%(5.02%)(15.53%)(4.46%)(11.77%)(14.17%)57.78%2.90%8.75%5.08%27.59%12.12%(10.57%)4.34%29.19%(2.92%)(2.92%)23.18%(20.81%)(2.90%)(2.38%)2.32%(1.09%)2.14%7.46%(13.92%)28.92%13.14%.56%11.90%5.95%1.71%2.49%12.08%3.36%18.16%4.19%
YoY%41.52%38.90%3.84%(21.29%)(12.42%)(23.19%)9.61%8.09%34.18%45.02%2.07%(9.62%)(32.37%)(38.89%)14.15%22.95%51.54%85.54%50.04%63.49%34.45%33.50%35.17%17.03%27.03%49.96%(8.07%)(8.05%)(7.54%)(23.20%)(4.08%).90%11.08%(6.55%)21.82%34.93%26.27%64.13%34.88%21.26%23.59%23.79%20.77%40.31%42.63%42.24%38.45%35.29%
Cost Of Revenue0$0$0$0$0$0$0$0$0$0$0$0$28,216,000$(7,994,000$)23,847,000$15,997,000$13,890,000$13,164,000$3,291,000$(2,919,000$)(798,000$)14,141,000$22,014,000$32,698,000$9,688,000$4,426,000$5,346,000$4,767,000$1,385,000$2,924,000$(784,000$)2,117,000$831,000$2,352,000$535,000$3,050,000$187,000$88,000$1,552,000$1,503,000$6,146,000$1,989,000$4,924,000$3,635,000$1,205,000$3,222,000$2,730,000$2,901,000$
Gross Profit236,944,000$232,103,000$206,309,000$142,956,000$167,430,000$167,102,000$198,690,000$181,616,000$191,178,000$217,548,000$181,268,000$168,020,000$114,266,000$158,009,000$153,751,000$169,900,000$196,795,000$232,314,000$152,288,000$154,118,000$139,827,000$118,162,000$81,679,000$59,783,000$93,718,000$94,678,000$71,369,000$74,255,000$80,016,000$63,161,000$84,233,000$83,824,000$87,209,000$83,693,000$86,461,000$82,122,000$79,072,000$91,983,000$69,863,000$61,618,000$56,626,000$54,107,000$48,023,000$48,421,000$49,585,000$42,094,000$41,111,000$34,201,000$
Gross Margin100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%80.20%105.33%86.57%91.40%93.41%94.64%97.89%101.93%100.57%89.31%78.77%64.64%90.63%95.53%93.03%93.97%98.30%95.58%100.94%97.54%99.06%97.27%99.39%96.42%99.76%99.90%97.83%97.62%90.21%96.45%90.70%93.02%97.63%92.89%93.77%92.18%
Operating Expenses117,309,000$105,217,000$106,626,000$102,771,000$110,375,000$104,018,000$103,452,000$99,169,000$93,767,000$89,466,000$89,297,000$80,133,000$78,419,000$76,198,000$76,205,000$73,807,000$81,548,000$80,009,000$70,823,000$61,927,000$59,933,000$56,285,000$49,791,000$48,967,000$58,740,000$59,592,000$59,582,000$53,984,000$57,045,000$57,104,000$53,750,000$52,280,000$54,788,000$61,040,000$50,412,000$49,366,000$49,924,000$56,218,000$38,183,000$33,905,000$29,587,000$28,354,000$23,582,000$26,045,000$27,864,000$24,679,000$25,205,000$21,169,000$
Operating Income
Operating Margin
Interest Income
Interest Expenses150,770,000$159,567,000$151,298,000$147,463,000$162,085,000$173,568,000$166,385,000$171,392,000$173,409,000$176,567,000$164,889,000$165,046,000$134,510,000$76,884,000$31,482,000$18,777,000$20,343,000$22,959,000$24,124,000$28,384,000$30,147,000$32,211,000$33,236,000$44,022,000$46,402,000$50,983,000$47,271,000$41,771,000$41,779,000$46,044,000$40,317,000$31,933,000$29,319,000$30,266,000$25,246,000$20,676,000$19,481,000$19,627,000$18,163,000$15,771,000$14,241,000$13,799,000$13,123,000$12,388,000$12,175,000$11,084,000$8,162,000$7,082,000$
Income Before Tax97,298,000$100,343,000$78,902,000$11,888,000$35,861,000$46,018,000$77,117,000$65,377,000$83,888,000$110,226,000$68,342,000$68,284,000$35,847,000$81,811,000$77,546,000$96,093,000$115,247,000$152,305,000$81,465,000$92,191,000$82,009,000$63,063,000$32,956,000$11,728,000$34,977,000$35,086,000$11,787,000$20,271,000$22,971,000$6,057,000$30,483,000$31,544,000$32,421,000$22,653,000$36,049,000$32,756,000$29,148,000$35,765,000$32,446,000$27,236,000$27,012,000$25,648,000$20,030,000$23,047,000$20,467,000$15,602,000$15,750,000$11,565,000$
Tax Expenses22,806,000$24,598,000$17,963,000$(1,024,000$)8,946,000$(725,000$)19,032,000$15,651,000$21,796,000$23,470,000$20,768,000$14,563,000$7,136,000$17,899,000$18,896,000$19,332,000$12,993,000$36,263,000$20,124,000$17,560,000$23,447,000$12,016,000$7,980,000$3,274,000$7,451,000$8,020,000$2,491,000$4,831,000$5,109,000$28,000$6,820,000$7,402,000$10,806,000$14,899,000$12,327,000$7,009,000$9,320,000$14,558,000$12,963,000$9,052,000$8,103,000$9,155,000$7,187,000$8,219,000$7,289,000$3,940,000$5,517,000$3,429,000$
Net Income74,492,000$75,745,000$60,939,000$12,912,000$26,915,000$46,743,000$58,085,000$49,726,000$62,092,000$86,756,000$47,574,000$53,721,000$28,711,000$63,912,000$58,650,000$76,761,000$100,669,000$116,042,000$61,341,000$36,595,000$56,245,000$50,515,000$22,718,000$3,100,000$27,526,000$27,066,000$9,296,000$15,440,000$17,862,000$6,029,000$23,663,000$24,142,000$21,615,000$7,754,000$23,722,000$25,747,000$19,828,000$21,208,000$19,483,000$18,184,000$17,786,000$15,289,000$11,556,000$13,952,000$13,178,000$11,662,000$10,233,000$8,136,000$
Profit Margin31.44%32.63%29.54%9.03%16.08%27.97%29.23%27.38%32.48%39.88%26.25%31.97%20.15%42.60%33.02%41.29%47.78%47.27%39.43%24.20%40.46%38.18%21.91%3.35%26.62%27.31%12.12%19.54%21.94%9.12%28.36%28.09%24.55%9.01%27.27%30.23%25.02%23.03%27.28%28.81%28.33%27.26%21.83%26.80%25.95%25.74%23.34%21.93%
TTM27.38%23.57%21.57%21.39%25.39%29.33%32.53%31.90%33.00%30.56%30.22%32.13%34.76%41.42%42.96%44.48%41.24%39.09%35.41%31.56%28.36%24.05%20.17%18.02%22.14%20.72%16.04%20.32%22.63%23.32%22.47%22.26%22.77%22.83%26.35%26.31%25.73%26.49%27.92%26.74%26.17%25.47%25.04%25.53%24.41%24.12%24.02%24.69%
Earnings to Minority4,404,000$2,019,000$5,093,000$3,389,000$3,649,000$3,806,000$3,785,000$3,800,000$3,869,000$3,803,000$3,567,000$3,456,000$3,088,000$2,548,000$2,131,000$1,865,000$2,022,000$5,801,000$3,299,000$3,391,000$3,414,000$3,430,000$3,581,000$3,615,000$3,615,000$3,615,000$3,615,000$3,615,000$3,615,000$3,615,000$3,615,000$3,615,000$3,615,000$3,615,000$3,615,000$3,615,000$3,615,000$2,552,000$2,062,000$1,286,000$1,006,000$980,000$507,000$
Earnings to Common Shareholders70,088,000$73,726,000$55,846,000$9,523,000$23,266,000$42,937,000$54,300,000$45,926,000$58,223,000$82,953,000$44,007,000$50,265,000$25,623,000$61,364,000$56,519,000$74,896,000$98,647,000$110,241,000$58,042,000$33,204,000$52,831,000$47,085,000$19,137,000$(515,000$)23,911,000$23,451,000$5,681,000$11,825,000$14,247,000$2,414,000$20,048,000$20,527,000$18,000,000$4,139,000$20,107,000$22,132,000$16,213,000$18,656,000$17,421,000$16,898,000$16,780,000$14,309,000$11,049,000$13,952,000$13,178,000$11,662,000$10,233,000$8,136,000$
QoQ%(4.93%)32.02%486.43%(59.07%)(45.81%)(20.93%)18.23%(21.12%)(29.81%)88.50%(12.45%)96.17%(58.24%)8.57%(24.54%)(24.08%)(10.52%)89.93%74.80%(37.15%)12.20%146.04%3,815.92%(102.15%)1.96%312.80%(51.96%)(17.00%)490.18%(87.96%)(2.33%)14.04%334.89%(79.42%)(9.15%)36.51%(13.10%)7.09%3.10%.70%17.27%29.51%(20.81%)5.87%13.00%13.97%25.77%(9.70%)
YoY%201.25%71.71%2.85%(79.26%)(60.04%)(48.24%)23.39%(8.63%)127.23%35.18%(22.14%)(32.89%)(74.03%)(44.34%)(2.62%)125.56%86.72%134.13%203.30%6,547.38%120.95%100.78%236.86%(104.36%)67.83%871.46%(71.66%)(42.39%)(20.85%)(41.68%)(.29%)(7.25%)11.02%(77.81%)15.42%30.97%(3.38%)30.38%57.67%21.12%27.33%22.70%7.97%71.49%46.26%41.05%24.40%13.16%
Earnings Per Share, Basic2.05$2.28$1.77$0.30$0.74$1.36$1.72$1.46$1.86$2.65$1.41$1.58$0.79$1.89$1.73$2.27$3.02$3.40$1.80$1.04$1.67$1.49$0.61$(0.02$)0.76$0.75$0.18$0.38$0.45$0.08$0.64$0.65$0.58$0.13$0.66$0.73$0.56$0.68$0.64$0.63$0.62$0.53$0.41$0.52$0.49$0.44$0.38$0.30$
Earnings Per Share, Diluted1.98$2.20$1.73$0.29$0.71$1.31$1.66$1.40$1.79$2.58$1.39$1.55$0.78$1.85$1.68$2.18$2.87$3.25$1.72$1.01$1.64$1.48$0.61$(0.02$)0.75$0.74$0.18$0.38$0.45$0.07$0.62$0.64$0.55$0.13$0.62$0.67$0.51$0.63$0.59$0.58$0.58$0.50$0.39$0.49$0.47$0.42$0.37$0.29$
Unlevered FCF Per Share, Basic3.48$3.29$5.13$2.97$4.24$0.76$0.18$(0.61$)(3.77$)4.34$2.86$0.55$(9.24$)3.35$1.50$3.54$1.87$0.95$2.37$(1.12$)1.52$0.85$0.29$(0.20$)(0.04$)5.35$1.01$1.05$1.02$0.08$(0.28$)0.63$21.32$(1.40$)(2.12$)10.49$
Unlevered FCF Per Share, Diluted3.36$3.18$5.01$2.88$4.08$0.74$0.18$(0.59$)(3.64$)4.22$2.83$0.54$(9.05$)3.27$1.46$3.40$1.84$0.94$2.36$(1.12$)1.49$0.84$0.28$(0.20$)(0.04$)5.25$0.98$1.02$0.97$0.07$(0.26$)0.59$19.57$(1.29$)(1.96$)9.81$
Average Shares, Basic34,200,12232,340,81331,585,39031,447,62331,345,78031,567,79731,649,71531,473,42431,378,67931,290,58131,254,12531,819,20332,405,54132,455,81432,712,61632,957,03332,635,62432,449,85332,279,62531,883,94631,640,55031,517,50431,477,59131,391,15131,310,10431,223,77731,154,29231,047,19131,619,96131,671,12231,564,89331,424,49630,848,99530,739,67130,641,55430,407,06028,990,79127,367,55127,080,67626,945,06226,888,20526,872,78726,839,79926,777,38926,737,08826,730,34726,724,49926,686,570
Average Shares, Diluted35,428,49633,460,05532,374,06132,490,57232,556,36532,766,48832,699,14932,854,53432,523,90932,175,08431,591,14232,345,01733,058,13933,226,60733,579,01334,327,06534,338,45633,868,55333,741,46832,841,71132,157,90331,736,31131,625,77131,391,15131,831,52831,644,72831,625,74131,482,86732,000,16732,277,59032,380,66232,273,97332,515,20432,512,69232,569,65232,789,16031,581,80929,697,20729,504,32929,271,25528,980,16028,741,12928,680,66428,337,80328,013,74127,984,84027,982,40427,775,031
EBIT248,068,000$259,910,000$230,200,000$159,351,000$197,946,000$219,586,000$243,502,000$236,769,000$257,297,000$286,793,000$233,231,000$233,330,000$170,357,000$158,695,000$109,028,000$114,870,000$135,590,000$175,264,000$105,589,000$120,575,000$112,156,000$95,274,000$66,192,000$55,750,000$81,379,000$86,069,000$59,058,000$62,042,000$64,750,000$52,101,000$70,800,000$63,477,000$61,740,000$52,919,000$61,295,000$53,432,000$48,629,000$55,392,000$50,609,000$43,007,000$41,253,000$39,447,000$33,153,000$35,435,000$32,642,000$26,686,000$23,912,000$18,647,000$
EBITDA248,068,000$259,910,000$230,200,000$159,351,000$197,946,000$219,586,000$243,502,000$236,769,000$257,297,000$286,793,000$233,231,000$233,330,000$170,357,000$158,695,000$109,028,000$114,870,000$135,590,000$175,264,000$105,589,000$120,575,000$112,156,000$95,274,000$66,192,000$55,750,000$81,379,000$86,069,000$59,058,000$62,042,000$64,750,000$52,101,000$70,800,000$63,477,000$61,740,000$52,919,000$61,295,000$53,432,000$48,629,000$55,392,000$50,609,000$43,007,000$41,253,000$39,447,000$33,153,000$35,435,000$32,642,000$26,686,000$23,912,000$18,647,000$