Customers Bancorp Statistics

Total Valuation

CUBI has a market cap or net worth of $1.86 billion. The enterprise value is -$107.56 million.

Market Cap	1.86B
Enterprise Value	-107.56M

Important Dates

The next estimated earnings date is Thursday, July 24, 2025, after market close.

Earnings Date	Jul 24, 2025
Ex-Dividend Date	n/a

Share Statistics

CUBI has 31.59 million shares outstanding. The number of shares has increased by 1.06% in one year.

Current Share Class	31.59M
Shares Outstanding	31.59M
Shares Change (YoY)	+1.06%
Shares Change (QoQ)	-0.21%
Owned by Insiders (%)	7.00%
Owned by Institutions (%)	86.53%
Float	29.36M

Valuation Ratios

The trailing PE ratio is 12.91 and the forward PE ratio is 8.01.

PE Ratio	12.91
Forward PE	8.01
PS Ratio	2.74
Forward PS	2.56
PB Ratio	0.94
P/TBV Ratio	1.08
P/FCF Ratio	10.34
P/OCF Ratio	7.22
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	8.17
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 8.14%.

Return on Equity (ROE)	8.14%
Return on Assets (ROA)	0.66%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$745,902
Profits Per Employee	$163,967
Employee Count	793
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CUBI has paid $26.23 million in taxes.

Income Tax	26.23M
Effective Tax Rate	15.35%

Stock Price Statistics

The stock price has increased by +25.60% in the last 52 weeks. The beta is 1.54, so CUBI's price volatility has been higher than the market average.

Beta (5Y)	1.54
52-Week Price Change	+25.60%
50-Day Moving Average	51.61
200-Day Moving Average	50.79
Relative Strength Index (RSI)	74.22
Average Volume (20 Days)	256,021

Short Selling Information

The latest short interest is 1.48 million, so 4.67% of the outstanding shares have been sold short.

Short Interest	1.48M
Short Previous Month	1.78M
Short % of Shares Out	4.67%
Short % of Float	5.02%
Short Ratio (days to cover)	8.17

Income Statement

In the last 12 months, CUBI had revenue of $591.50 million and earned $130.03 million in profits. Earnings per share was $3.98.

Revenue	591.50M
Gross Profit	591.50M
Operating Income	210.85M
Pretax Income	336.61M
Net Income	130.03M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$3.98

Full Income Statement

Balance Sheet

The company has $3.44 billion in cash and $1.47 billion in debt, giving a net cash position of $1.97 billion or $62.39 per share.

Cash & Cash Equivalents	3.44B
Total Debt	1.47B
Net Cash	1.97B
Net Cash Per Share	$62.39
Equity (Book Value)	1.86B
Book Value Per Share	54.85
Working Capital	-15.72B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $258.00 million and capital expenditures -$77.85 million, giving a free cash flow of $180.15 million.

Operating Cash Flow	258.00M
Capital Expenditures	-77.85M
Free Cash Flow	180.15M
FCF Per Share	$5.70

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	35.65%
Pretax Margin	28.89%
Profit Margin	24.46%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	30.46%

Dividends & Yields

CUBI does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	-1.06%
Shareholder Yield	n/a
Earnings Yield	6.98%
FCF Yield	9.67%

Dividend Details

Analyst Forecast

The average price target for CUBI is $65.67, which is 11.34% higher than the current price. The consensus rating is "Buy".

Price Target	$65.67
Price Target Difference	11.34%
Analyst Consensus	Buy
Analyst Count	10
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on May 22, 2014. It was a forward split with a ratio of 1.1:1.

Last Split Date	May 22, 2014
Split Type	Forward
Split Ratio	1.1:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4