Customers Bancorp, Inc.

Customers Bancorp, Inc.

CUBIยทNYSE

$72.69

-0.21%
Financial ServicesBanks - Regional

Customers Bancorp, Inc. operates as the bank holding company for Customers Bank that provides financial products and services to individual consumers, and small and middle market businesses. The company offers deposits products, including checking, savings, MMDA, and other deposits accounts. It offers loan products, including commercial mortgage warehouse loans, multi-family and commercial real estate loans, business banking, small business loans, equipment financing, residential mortgage loans, and installment loans. It also offers traditional banking activities, including mobile phone banking, internet banking, wire transfers, electronic bill payment, lock box services, remote deposit capture services, courier services, merchant processing services, cash vault, controlled disbursements, positive pay, cash management services, such as account reconciliation, collections, and sweep accounts. It operates 12 full-service branches, as well as limited production and administrative offices in Southeastern Pennsylvania, including Bucks, Berks, Chester, Philadelphia, and Delaware Counties; Harrisburg, Pennsylvania; Rye Brook and New York; Hamilton, New Jersey; Boston, Massachusetts; Providence, Rhode Island; Portsmouth, New Hampshire; Manhattan and Melville, New York; Washington D.C.; Chicago, Illinois; Dallas, Texas; Orlando, Florida; and Wilmington, North Carolina. Customers Bancorp, Inc. was founded in 1994 and is headquartered in West Reading, Pennsylvania.

At a Glance

Live Snapshot
Market Cap$2.46B
EPS6.4000
P/E Ratio11.36
Earnings Date07/23/2026
3Y-2476.0%
5Y+225.0%
10Y+441.0%
3Y+58.0%
5Y-68.0%
10Y+114.0%
3Y+74.0%
5Y-68.0%
10Y+151.0%
CUBI

Customers Bancorp, Inc. Cash Conversion Engine

CUBI ยท NYSE
Net Income224.09M
Depreciation & Amortization37.86M
Stock-Based Compensation18.46M
Change in Working Capital55.28M
Others170.06M
Capital Expenditures-13.74M
Free Cash Flow481.02M

Cash Flow Quality Analysis

FCF Conversion Rate

214.7%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

2.8%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+502.3%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

+$55.28M

Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.

Cash Flow Quality Insight

Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.

Customers Bancorp, Inc. Cash Flow Statement

CUBI โ€ข NYSE

Customers Bancorp, Inc. Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008
OPERATING ACTIVITIES
224.1M
181.5M
250.1M
228M
354.3M
143M
81.4M
71.7M
78.8M
78.7M
58.6M
44.5M
32.7M
23.8M
4M
23.7M
-13.2M
-825K
37.9M
33.6M
31.8M
27.2M
21.7M
18.5M
13.6M
14.2M
10.8M
5.9M
4M
3.6M
3.1M
2M
1.4M
840K
726K
0.0
-11M
-1.1M
22.2M
6.9M
17.8M
-15.9M
9.6M
9.3M
14.8M
-2.6M
-10.1M
-6.2M
2.2M
-3.7M
-2.7M
1.8M
-394K
0.0
18.5M
14.4M
12.6M
14.2M
13.9M
12.9M
9.9M
9.7M
7.2M
7.1M
5.7M
5.2M
3.4M
2M
704K
2M
0.0
0.0
170.1M
49.6M
-234.3M
-272.5M
-286M
51.2M
54.5M
17.3M
-489K
7.8M
14.2M
-581.7M
690.4M
-1.3B
30M
-230.9M
11.9M
2.6M
(36.1M)
(57.6M)
(45M)
(80.1M)
(94.1M)
(3.3M)
(7.4M)
(4.8M)
(40.3M)
(57.3M)
(38.7M)
(29.8M)
(9.8M)
(19.4M)
(2.8M)
(0.0)
(0.0)
(0.0)
55.3M
-132.8M
42.3M
-24.6M
149.6M
-57.7M
-90.7M
-24.7M
-48.9M
-5.5M
-5.7M
-8M
-9.7M
-9.1M
-3.5M
-19.1M
-1.4M
-426K
494.8M
145.1M
124.7M
-20.8M
271.2M
152M
78.3M
97.5M
62.2M
91.4M
66.6M
-542.5M
722M
-1.2B
29.9M
-221.5M
-2.4M
1.4M
INVESTING ACTIVITIES
(0.0)
-65.2M
-41.3M
-113.3M
-33M
-28.8M
-50.1M
-39M
-24.4M
-5.4M
-2.9M
-1.3M
-3.9M
-2.7M
-2.7M
-3.3M
-430K
-545K
(0.0)
(0.0)
(0.0)
(0.0)
(3.8M)
(0.0)
(0.0)
-1.5M
(0.0)
-17M
(0.0)
(0.0)
(0.0)
(0.0)
(19.2M)
(0.0)
(0.0)
(0.0)
-968.6M
-865.9M
-74.5M
-1.4B
-3.6B
-1.2B
(0.0)
-763.2M
-796.6M
-5M
-231.7M
-164.9M
-542.1M
-114M
-470.4M
-305.8M
-34.5M
-5.9M
1B
1.5B
873.2M
1.5B
1B
623.9M
136.3M
520.5M
817.3M
67.6M
77.1M
262.4M
160.3M
391.6M
282.9M
162.5M
25.6M
13.4M
-2.1B
-1.6B
2.4B
-1.3B
1.4B
-5.8B
-1.5B
179.1M
-561.5M
-1B
-1.5B
-2B
-1.2B
-12.7M
-589.5M
-202.1M
-14.5M
-11.3M
-2.1B
-1B
(3.2B)
-1.3B
-1.2B
-6.4B
-1.4B
-104.1M
-565.1M
-961.5M
-1.7B
-1.9B
-1.6B
(262.1M)
-760.5M
-348.8M
-23.8M
-4.3M
FINANCING ACTIVITIES
17.7M
-17.5M
-36.7M
-32.6M
-82.4M
923K
1.6M
-9.4M
2.7M
71M
806K
77K
89.8M
94.6M
28M
59.7M
16.7M
950K
288.4M
-95M
400M
-75M
-4.5B
4.4B
-326.6M
-427M
841.6M
-756.5M
7.3M
1B
303.8M
140M
325M
0.0
-4M
-15.9M
-10.8M
-15.1M
-14.6M
-9.3M
-10.8M
-14.1M
-14.5M
-14.5M
-14.5M
-9.1M
-2.3M
(0.0)
(0.0)
(0.0)
-44K
(0.0)
-4K
(0.0)
-148.1M
-19.2M
-39.8M
-33.2M
-110.2M
(0.0)
-571K
-13M
(0.0)
(0.0)
(0.0)
(0.0)
-7.8M
(0.0)
-3.6M
(0.0)
(0.0)
(0.0)
1.9B
928.2M
-240.6M
1.4B
5.3B
2.4B
1.9B
373.3M
-445.3M
1.4B
1.4B
1.6B
519.4M
857.8M
215.5M
680.5M
76.1M
17.5M
2.2B
800.6M
108.1M
1.3B
754.8M
6.8B
1.5B
-77.6M
384.5M
870.2M
1.5B
2.6B
913M
1.1B
565.4M
740.2M
88.8M
2.5M
CASH FLOW SUMMARY
625.5M
-60.4M
3.4B
-62.2M
-175.3M
480.8M
150.4M
-84.2M
-118.4M
116K
-106.4M
138M
47.1M
112.4M
-165.2M
169.9M
0.0
0.0
3.8B
3.8B
455.8M
518M
693.4M
212.5M
62.1M
146.3M
264.7M
264.6M
371M
233.1M
186M
73.6M
238.7M
68.8M
0.0
0.0
4.4B
3.8B
3.8B
455.8M
518M
693.4M
212.5M
62.1M
146.3M
264.7M
264.6M
371M
233.1M
186M
73.6M
238.7M
0.0
0.0
481M
79.9M
83.4M
-134.2M
238.2M
123.2M
28.2M
57M
37.8M
86M
63.6M
-543.8M
718.1M
-1.2B
27.2M
-224.8M
-2.9M
842K

SEC Filings

CUBI - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K/A

8-K/A 2026 (Amended)

N/A

June 03, 2026
May 26, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 08, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 23, 2026
April 23, 2026
2026
8-K/A

8-K/A 2026 (Amended)

N/A

April 16, 2026
April 15, 2026
2026
8-K

8-K 2026

N/A

April 15, 2026
April 15, 2026
2026
8-K

8-K 2026

N/A

March 24, 2026
March 19, 2026
2026
8-K

8-K 2026

N/A

March 23, 2026
March 20, 2026
2026
10-K

10-K 2025 FY

FY

February 27, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

February 11, 2026
February 11, 2026
2026
8-K

8-K 2026

N/A

January 26, 2026
January 26, 2026
2026
Showing 1 to 10 of 13 filings