Customers Bancorp(CUBI)
$85.27+-0.35 (+0.64%)
CUBI
Customers Bancorp financials statements
$85.27
At close:+-0.35 (+0.64%)
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Customers Bancorp (CUBI) Ratios
323 Followers
Customers Bancorp Ratios
CUBI's free cash flow for Q3 2026 was $56.14M. For the 2026 fiscal year, CUBI's free cash flow was decreased by $-432.00K and operating cash flow was $56.57M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.01 | 0.32 | 0.37 | 0.19 | 0.25 |
| Quick Ratio | 0.01 | 0.32 | 0.37 | 0.19 | 0.25 |
| Cash Ratio | 0.00 | 0.20 | 0.21 | 0.02 | 0.03 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 |
| Operating Cash Flow Ratio | 0.03 | 0.01 | 0.01 | -0.00 | 0.02 |
| Short-Term Operating Cash Flow Coverage | 66.52 | 1.45 | 4.20 | -0.07 | 0.35 |
| Net Current Asset Value | $ -22.61B | $ -14.34B | $ -13.11B | $ -15.93B | $ -13.78B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.07 | 0.06 | 0.07 | 0.05 | 0.06 |
| Debt-to-Equity Ratio | 0.81 | 0.77 | 0.92 | 0.79 | 0.86 |
| Debt-to-Capital Ratio | 0.45 | 0.43 | 0.48 | 0.44 | 0.46 |
| Long-Term Debt-to-Capital Ratio | 0.45 | 0.42 | 0.48 | 0.36 | 0.23 |
| Financial Leverage Ratio | 11.77 | 12.15 | 13.01 | 14.89 | 14.33 |
| Debt Service Coverage Ratio | 0.47 | 0.28 | 0.40 | 0.45 | 0.43 |
| Interest Coverage Ratio | 0.51 | 0.33 | 0.49 | 1.11 | 4.61 |
| Debt to Market Cap | 0.69 | 0.92 | 0.85 | 1.20 | 0.56 |
| Interest Debt Per Share | 67.70 | 66.12 | 69.64 | 41.90 | 39.48 |
| Net Debt to EBITDA | 4.66 | -9.21 | -6.45 | 2.04 | 1.43 |
| Profitability Margins | |||||
| Gross Profit Margin | 51.59% | 45.12% | 46.90% | 64.06% | 85.41% |
| EBIT Margin | 21.97% | 16.49% | 23.28% | 32.54% | 52.24% |
| EBITDA Margin | 24.92% | 18.95% | 25.52% | 35.58% | 54.80% |
| Operating Profit Margin | 21.97% | 16.49% | 23.28% | 32.54% | 52.24% |
| Pretax Profit Margin | 20.39% | 16.49% | 23.28% | 32.54% | 52.24% |
| Net Profit Margin | 15.84% | 13.33% | 17.61% | 25.48% | 37.25% |
| Continuous Operations Profit Margin | 15.84% | 13.33% | 17.61% | 25.48% | 41.94% |
| Net Income Per EBT | 77.69% | 80.88% | 75.63% | 78.28% | 71.31% |
| EBT Per EBIT | 92.81% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.90% | 0.81% | 1.17% | 1.09% | 1.61% |
| Return on Equity (ROE) | 10.59% | 9.88% | 15.27% | 16.25% | 23.03% |
| Return on Capital Employed (ROCE) | 3.40% | 6.67% | 9.74% | 13.19% | 24.91% |
| Return on Invested Capital (ROIC) | 2.64% | 5.24% | 7.30% | 9.09% | 13.91% |
| Return on Tangible Assets | 0.90% | 0.81% | 1.17% | 1.09% | 1.61% |
| Earnings Yield | 8.96% | 11.83% | 13.81% | 24.66% | 14.90% |
| Efficiency Ratios | |||||
| Receivables Turnover | 13.65 | 4.21 | 4.43 | 7.26 | 9.16 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 1.39 | 0.49 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 84.48 | 204.10 | 192.76 | 99.18 | 95.01 |
| Asset Turnover | 0.06 | 0.06 | 0.07 | 0.04 | 0.04 |
| Working Capital Turnover Ratio | -0.10 | -0.11 | -0.11 | -0.06 | -0.07 |
| Cash Conversion Cycle | 26.74 | 86.70 | 82.32 | -211.39 | -703.93 |
| Days of Sales Outstanding | 26.74 | 86.70 | 82.32 | 50.31 | 39.86 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 0.00 | 261.70 | 743.79 |
| Operating Cycle | 26.74 | 86.70 | 82.32 | 50.31 | 39.86 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 14.47 | 4.60 | 3.97 | -0.64 | 8.39 |
| Free Cash Flow Per Share | 9.76 | 2.53 | 2.65 | -4.11 | 7.37 |
| Dividend Paid and CapEx Coverage Ratio | 2.88 | 1.81 | 2.23 | -0.17 | 6.19 |
| Capital Expenditure Coverage Ratio | 3.07 | 2.23 | 3.02 | -0.18 | 8.23 |
| Operating Cash Flow Coverage Ratio | 0.29 | 0.10 | 0.08 | -0.02 | 0.23 |
| Operating Cash Flow to Sales Ratio | 0.35 | 0.11 | 0.09 | -0.02 | 0.32 |
| Free Cash Flow Yield | 13.35% | 5.21% | 4.60% | -14.51% | 11.28% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 11.43 | 8.45 | 7.24 | 4.06 | 6.71 |
| Price-to-Sales (P/S) Ratio | 1.77 | 1.13 | 1.27 | 1.03 | 2.50 |
| Price-to-Book (P/B) Ratio | 1.18 | 0.84 | 1.11 | 0.66 | 1.55 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 7.49 | 19.20 | 21.72 | -6.89 | 8.87 |
| Price-to-Operating Cash Flow Ratio | 5.05 | 10.57 | 14.52 | -44.41 | 7.79 |
| Price-to-Earnings Growth (PEG) Ratio | 0.54 | -0.29 | 0.61 | -0.11 | 0.04 |
| Enterprise Value Multiple | 11.75 | -3.27 | -1.45 | 4.94 | 5.99 |
| Enterprise Value | 4.14B | -842.14M | -525.73M | 1.57B | 2.77B |
| EV to EBITDA | 11.75 | -3.27 | -1.45 | 4.94 | 5.99 |
| EV to Sales | 2.93 | -0.62 | -0.37 | 1.76 | 3.28 |
| EV to Free Cash Flow | 12.42 | -10.54 | -6.30 | -11.74 | 11.64 |
| EV to Operating Cash Flow | 8.37 | -5.81 | -4.21 | -75.61 | 10.23 |
| Tangible Book Value Per Share | 61.77 | 58.18 | 52.00 | 42.88 | 42.17 |
| Shareholders’ Equity Per Share | 61.88 | 58.29 | 52.12 | 42.99 | 42.28 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.22 | 0.19 | 0.24 | 0.22 | 0.20 |
| Revenue Per Share | 41.37 | 43.19 | 45.20 | 27.43 | 26.14 |
| Net Income Per Share | 6.55 | 5.76 | 7.96 | 6.99 | 9.74 |
| Tax Burden | 0.78 | 0.81 | 0.76 | 0.78 | 0.71 |
| Interest Burden | 0.93 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.16 | 0.16 | 0.12 | 0.14 | 0.14 |
| Stock-Based Compensation to Revenue | 0.01 | 0.01 | 0.01 | 0.02 | 0.02 |
| Income Quality | 2.21 | 0.80 | 0.50 | -0.09 | 0.77 |
Currency in USD
