CUBI - Customers Bancorp, Inc.
Price:
--
--
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CONSENSUS:
Buy
DETAILS
|
PRICE TARGET:
$89.17
DETAILS
HIGH:
$100.00
LOW:
$71.00
MEDIAN:
$91.50
CONSENSUS:
$89.17
UPSIDE:
18.66%
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | ||||||||||||||||||
| Revenue | 1,414.6 | 1,360.9 | 1,420.8 | 895.1 | 844.6 | 600.5 | 496.1 | 474.8 | 449.4 | 376.8 | 276.4 | 213.8 | 148.6 | 120.5 | 71.3 | 35.6 | 14.6 | 16.1 |
| Cost of Revenue | 684.7 | 746.9 | 754.5 | 321.7 | 123.2 | 202.4 | 210.7 | 165.7 | 112.3 | 76.1 | 74.1 | 53.3 | 26.5 | 36.0 | 30.0 | 21.9 | 14.6 | 16.1 |
| Gross Profit | 729.8 | 614.0 | 666.3 | 573.4 | 721.4 | 398.2 | 285.4 | 309.1 | 337.1 | 300.8 | 202.3 | 160.6 | 122.1 | 84.5 | 41.3 | 13.7 | 0 | 0 |
| Operating Expenses | ||||||||||||||||||
| R&D Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| SG&A Expenses | 223.6 | 222.0 | 171.4 | 123.8 | 119.8 | 107.5 | 133.7 | 160.4 | 150.8 | 122.1 | 81.6 | 66.8 | 48.9 | 30.9 | 21.8 | 19.1 | 6.9 | 5.2 |
| Other Expenses | 195.5 | 167.7 | 164.2 | 158.3 | 160.4 | 100.9 | 44.0 | 57.6 | 62.5 | 54.0 | 32.2 | 28.2 | 22.8 | 17.5 | 13.7 | (33.9) | (3.4) | (2.6) |
| Operating Expenses | 419.1 | 389.7 | 335.6 | 282.1 | 280.2 | 208.4 | 177.7 | 218.0 | 213.2 | 176.2 | 113.8 | 95.1 | 71.8 | 48.4 | 35.5 | (14.8) | 3.4 | 2.6 |
| Operating Income | ||||||||||||||||||
| Operating Income | 310.8 | 224.4 | 330.7 | 291.3 | 441.2 | 189.8 | 107.8 | 91.1 | 123.9 | 124.6 | 88.5 | 65.5 | 50.3 | 36.1 | 5.9 | 28.5 | (13.2) | (0.2) |
| Interest Expense | 609.1 | 673.4 | 679.9 | 261.7 | 95.8 | 139.6 | 186.4 | 160.1 | 105.5 | 73.0 | 53.6 | 38.5 | 24.3 | 21.8 | 22.5 | 11.5 | 0.6 | 1.3 |
| Interest Income | 1,359.6 | 1,327.8 | 1,367.4 | 885.4 | 780.9 | 543.3 | 463.7 | 418.0 | 372.9 | 322.5 | 249.8 | 190.4 | 128.2 | 93.8 | 61.2 | 30.9 | 0 | 0 |
| Profitability | ||||||||||||||||||
| EBITDA | 351.6 | 257.9 | 362.6 | 318.5 | 462.9 | 208.3 | 121.4 | 105.2 | 134.7 | 130.5 | 92.5 | 69.1 | 53.4 | 38.1 | 7.2 | 29.3 | (12.5) | (1.3) |
| EBIT | 310.8 | 224.4 | 330.7 | 291.3 | 441.2 | 189.8 | 107.8 | 91.1 | 123.9 | 124.6 | 88.5 | 65.5 | 50.3 | 36.1 | 5.9 | 28.5 | (13.2) | (0.2) |
| Income Before Tax | 288.4 | 224.4 | 330.7 | 291.3 | 441.2 | 189.8 | 107.8 | 91.1 | 123.9 | 124.6 | 88.5 | 65.5 | 50.3 | 36.1 | 5.9 | 28.5 | (13.2) | (1.3) |
| Income Tax Expense | 64.3 | 42.9 | 80.6 | 63.3 | 86.9 | 46.7 | 26.4 | 19.4 | 45.0 | 45.9 | 29.9 | 21.0 | 17.6 | 12.3 | 1.8 | 4.7 | 0 | (0.4) |
| Net Income | 224.1 | 181.5 | 250.1 | 228.0 | 314.6 | 132.6 | 79.3 | 71.7 | 78.8 | 78.7 | 58.6 | 43.2 | 32.7 | 23.8 | 4.0 | 23.7 | (13.2) | (0.8) |
| Per Share Data | ||||||||||||||||||
| EPS (Basic) | 6.40 | 5.28 | 7.49 | 6.69 | 10.51 | 4.09 | 2.08 | 1.81 | 2.10 | 2.51 | 2.09 | 1.62 | 1.23 | 1.29 | 0.35 | 2.24 | -3.33 | -0.37 |
| EPS (Diluted) | 6.20 | 5.09 | 7.32 | 6.51 | 10.08 | 4.07 | 2.05 | 1.78 | 1.97 | 2.31 | 1.96 | 1.55 | 1.23 | 1.29 | 0.35 | 2.20 | -3.33 | -0.37 |
| Shares Outstanding | 34.2 | 31.5 | 31.4 | 32.6 | 32.3 | 31.5 | 31.2 | 31.6 | 30.7 | 27.6 | 26.8 | 26.7 | 26.6 | 18.5 | 11.3 | 10.6 | 4.0 | 2.2 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Assets | |||||||||||
| Cash & Cash Equivalents | 62.1 | 3,785.9 | 3,846.3 | 455.8 | 518.0 | 693.4 | 212.5 | 62.1 | 146.3 | 264.7 | 0 |
| Short-Term Investments | 0 | 2,019.7 | 2,405.6 | 2,987.5 | 3,817.2 | 1,210.3 | 595.9 | 665.0 | 471.4 | 493.5 | 0 |
| Net Receivables | 103.6 | 323.3 | 320.5 | 123.4 | 92.2 | 80.4 | 38.1 | 33.0 | 27.0 | 23.7 | 0 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 77.2 |
| Total Current Assets | 165.7 | 6,128.9 | 6,572.5 | 3,566.7 | 4,427.4 | 1,984.1 | 846.5 | 760.1 | 644.7 | 781.9 | 77.2 |
| Non-Current Assets | |||||||||||
| Property, Plant & Equipment | 16.7 | 6.7 | 7.4 | 9.0 | 8.9 | 11.2 | 9.4 | 11.1 | 12.0 | 12.8 | 2.7 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 3.6 | 3.6 | 3.6 | 3.6 | 3.7 | 4.0 | 15.2 | 16.5 | 16.3 | 17.6 | 0 |
| Long-Term Investments | 23,777.2 | 15,508.7 | 14,169.9 | 16,504.0 | 14,431.1 | 15,750.1 | 9,994.7 | 8,505.0 | 8,669.7 | 8,314.1 | 59.0 |
| Other Non-Current Assets | 898.2 | 660.4 | 562.9 | 812.8 | 703.9 | 689.9 | 655.0 | 540.7 | 496.9 | 256.4 | 209.3 |
| Total Non-Current Assets | 24,730.2 | 16,179.4 | 14,743.8 | 17,329.4 | 15,147.6 | 16,455.2 | 10,674.3 | 9,073.3 | 9,194.8 | 8,600.9 | 272.5 |
| Total Assets | 24,895.9 | 22,308.2 | 21,316.3 | 20,896.1 | 19,575.0 | 18,439.2 | 11,520.7 | 9,833.4 | 9,839.6 | 9,382.7 | 349.8 |
| Current Liabilities | |||||||||||
| Account Payables | 0 | 0 | 0 | 230.7 | 251.1 | 152.1 | 126.2 | 66.5 | 56.2 | 75.4 | 0 |
| Short-Term Debt | 7.4 | 100 | 0 | 300 | 775 | 1,100 | 1,388 | 187 | 155 | 771.8 | 0 |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 15,744.3 | 18,846.5 | 17,890.5 | 18,157.0 | 16,777.9 | 11,309.9 | 8,648.9 | 7,142.2 | 6,800.1 | 7,303.8 | 18.5 |
| Total Current Liabilities | 15,751.7 | 18,946.5 | 17,920.2 | 18,687.6 | 17,804.1 | 12,562.0 | 10,163.2 | 7,395.7 | 7,011.4 | 8,151.0 | 18.5 |
| Non-Current Liabilities | |||||||||||
| Long-Term Debt | 1,705.4 | 1,309.9 | 1,509.3 | 805.5 | 404.8 | 305.4 | 304.7 | 1,480.9 | 1,907.2 | 1,064.7 | 13 |
| Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.1 |
| Other Non-Current Liabilities | 5,323.2 | 215.2 | 248.4 | 0 | 0 | 4,454.7 | 0 | 0 | 0 | (688.8) | 296.7 |
| Total Non-Current Liabilities | 7,028.6 | 1,525.1 | 1,757.6 | 805.5 | 404.8 | 4,760.2 | 304.7 | 1,480.9 | 1,907.2 | 375.9 | 309.8 |
| Total Liabilities | 22,780.4 | 20,471.6 | 19,677.9 | 19,493.2 | 18,208.8 | 17,322.2 | 10,467.9 | 8,876.6 | 8,918.6 | 8,526.9 | 328.3 |
| Stockholders' Equity | |||||||||||
| Common Stock | 36.2 | 35.8 | 35.5 | 35.0 | 34.7 | 33.0 | 32.6 | 32.3 | 31.9 | 30.8 | 5.5 |
| Retained Earnings | 1,535.2 | 1,326.0 | 1,159.6 | 924.1 | 705.7 | 438.6 | 381.5 | 316.7 | 258.1 | 193.7 | (13.2) |
| Accumulated Other Comprehensive Income | (54.0) | (96.6) | (136.6) | (163.1) | (5.0) | (5.8) | (1.2) | (22.7) | (0.4) | (4.9) | (0.0) |
| Total Stockholders' Equity | 2,115.5 | 1,836.7 | 1,638.4 | 1,403.0 | 1,366.2 | 1,117.1 | 1,052.8 | 956.8 | 921.0 | 855.9 | 21.5 |
| Total Liabilities & Equity | 24,895.9 | 22,308.2 | 21,316.3 | 20,896.1 | 19,575.0 | 18,439.2 | 11,520.7 | 9,833.4 | 9,839.6 | 9,382.7 | 349.8 |
| Debt Metrics | |||||||||||
| Total Debt | 1,705.4 | 1,409.9 | 1,509.3 | 1,105.5 | 1,179.8 | 1,405.4 | 1,692.7 | 1,667.9 | 2,062.2 | 1,836.5 | 13 |
| Net Debt | 1,643.4 | (2,376.0) | (2,337.1) | 649.7 | 661.7 | 712.1 | 1,480.2 | 1,605.8 | 1,915.9 | 1,571.8 | 13 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||
| Net Income | 224.1 | 181.5 | 250.1 | 228.0 | 354.3 | 143.0 | 81.4 | 71.7 | 78.8 | 78.7 |
| Depreciation & Amortization | 37.9 | 33.6 | 31.8 | 27.2 | 21.7 | 18.5 | 13.6 | 14.2 | 10.8 | 5.9 |
| Stock-Based Compensation | 18.5 | 14.4 | 12.6 | 14.2 | 13.9 | 12.9 | 9.9 | 9.7 | 7.2 | 7.1 |
| Change in Working Capital | 55.3 | (132.8) | 42.3 | (24.6) | 149.6 | (57.7) | (90.7) | (24.7) | (48.9) | (5.5) |
| Other Non-Cash Items | 170.1 | 49.6 | (234.3) | (272.5) | (286.0) | 51.1 | 54.5 | 17.3 | (0.5) | 7.8 |
| Operating Cash Flow | 494.8 | 145.1 | 124.7 | (20.8) | 271.2 | 152.0 | 78.3 | 97.5 | 62.2 | 91.4 |
| Investing Activities | ||||||||||
| Capital Expenditure | (13.7) | (65.2) | (41.3) | (113.3) | (33.0) | (28.8) | (50.1) | (40.5) | (24.4) | (5.4) |
| Acquisitions | 0 | 0 | 0 | 0 | 3.8 | 0 | 0 | (1.5) | 0 | (17) |
| Purchases of Investments | (968.6) | (865.9) | (74.5) | (1,357.4) | (3,626.4) | (1,201.9) | 0 | (763.2) | (796.6) | (5) |
| Sales/Maturities of Investments | 1,001.4 | 1,545.6 | 873.2 | 1,507.1 | 1,006.9 | 623.9 | 136.3 | 520.5 | 817.3 | 67.6 |
| Other Investing Activities | (2,089.8) | (1,620.6) | 2,400.4 | (1,334.9) | 1,447.4 | (5,818.2) | (1,530.6) | 179.1 | (561.5) | (1,001.7) |
| Investing Cash Flow | (2,057.0) | (1,006.1) | 3,157.7 | (1,298.4) | (1,201.3) | (6,425.0) | (1,444.4) | (104.1) | (565.1) | (961.5) |
| Financing Activities | ||||||||||
| Net Debt Issuance | 288.4 | (95) | 400 | (75) | (4,466.2) | 4,415.0 | (326.6) | (427.0) | 841.6 | (756.5) |
| Stock Repurchased | (148.1) | (19.2) | (39.8) | (33.2) | (110.2) | 0 | (0.6) | (13.0) | 0 | 0 |
| Dividends Paid | (10.8) | (15.1) | (14.6) | (9.3) | (10.8) | (14.1) | (14.5) | (14.5) | (14.5) | (9.1) |
| Other Financing Activities | 1,892.5 | 928.2 | (240.6) | 1,374.0 | 5,314.2 | 2,351.9 | 1,856.0 | 373.3 | (445.3) | 1,402.9 |
| Financing Cash Flow | 2,187.7 | 800.6 | 108.1 | 1,257.0 | 754.8 | 6,753.8 | 1,516.5 | (77.6) | 384.5 | 870.2 |
| Cash Position | ||||||||||
| Net Change in Cash | 625.5 | (60.4) | 3,390.5 | (62.2) | (175.3) | 480.8 | 150.4 | (84.2) | (118.4) | 0.1 |
| Cash at Beginning | 3,785.9 | 3,846.3 | 455.8 | 518.0 | 693.4 | 212.5 | 62.1 | 146.3 | 264.7 | 264.6 |
| Cash at End | 4,411.5 | 3,785.9 | 3,846.3 | 455.8 | 518.0 | 693.4 | 212.5 | 62.1 | 146.3 | 264.7 |
| Free Cash Flow | 481.0 | 79.9 | 83.4 | (134.2) | 238.2 | 123.2 | 28.2 | 57.0 | 37.8 | 86.0 |
| Key Metrics | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||||
| Revenue | 1,414.6 | 1,360.9 | 1,420.8 | 895.1 | 844.6 | 600.5 | 496.1 | 474.8 | 449.4 | 376.8 | 276.4 | 213.8 | 148.6 | 120.5 | 71.3 | 35.6 | 14.6 | 16.1 |
| Gross Profit | 729.8 | 614.0 | 666.3 | 573.4 | 721.4 | 398.2 | 285.4 | 309.1 | 337.1 | 300.8 | 202.3 | 160.6 | 122.1 | 84.5 | 41.3 | 13.7 | 0 | 0 |
| Operating Income | 310.8 | 224.4 | 330.7 | 291.3 | 441.2 | 189.8 | 107.8 | 91.1 | 123.9 | 124.6 | 88.5 | 65.5 | 50.3 | 36.1 | 5.9 | 28.5 | (13.2) | (0.2) |
| Net Income | 224.1 | 181.5 | 250.1 | 228.0 | 314.6 | 132.6 | 79.3 | 71.7 | 78.8 | 78.7 | 58.6 | 43.2 | 32.7 | 23.8 | 4.0 | 23.7 | (13.2) | (0.8) |
| EPS (Diluted) | 6.20 | 5.09 | 7.32 | 6.51 | 10.08 | 4.07 | 2.05 | 1.78 | 1.97 | 2.31 | 1.96 | 1.55 | 1.23 | 1.29 | 0.35 | 2.20 | -3.33 | -0.37 |
| Balance Sheet | ||||||||||||||||||
| Cash & Equivalents | 62.1 | 3,785.9 | 3,846.3 | 455.8 | 518.0 | 693.4 | 212.5 | 62.1 | 146.3 | 264.7 | 0 | |||||||
| Total Assets | 24,895.9 | 22,308.2 | 21,316.3 | 20,896.1 | 19,575.0 | 18,439.2 | 11,520.7 | 9,833.4 | 9,839.6 | 9,382.7 | 349.8 | |||||||
| Total Debt | 1,705.4 | 1,409.9 | 1,509.3 | 1,105.5 | 1,179.8 | 1,405.4 | 1,692.7 | 1,667.9 | 2,062.2 | 1,836.5 | 13 | |||||||
| Stockholders' Equity | 2,115.5 | 1,836.7 | 1,638.4 | 1,403.0 | 1,366.2 | 1,117.1 | 1,052.8 | 956.8 | 921.0 | 855.9 | 21.5 | |||||||
| Cash Flow | ||||||||||||||||||
| Operating Cash Flow | 494.8 | 145.1 | 124.7 | (20.8) | 271.2 | 152.0 | 78.3 | 97.5 | 62.2 | 91.4 | ||||||||
| Capital Expenditure | (13.7) | (65.2) | (41.3) | (113.3) | (33.0) | (28.8) | (50.1) | (40.5) | (24.4) | (5.4) | ||||||||
| Free Cash Flow | 481.0 | 79.9 | 83.4 | (134.2) | 238.2 | 123.2 | 28.2 | 57.0 | 37.8 | 86.0 | ||||||||