15 years of revenue, profit, cash flow and balance-sheet history through FY2025,
from SEC filings — with a computed, factual read of the trend.
Updated Overview →
Growth & profitability
Revenue has declined 10.4% per year over the past 5 years.
Net income has grown faster than revenue (11.1% vs -10.4% per year).
Free cash flow has grown 30.2% per year over the past 5 years.
Financial health
Total debt has grown faster than revenue (-4.0% vs -10.4% per year).
Revenue & net income
RevenueNet income
Margins (gross / operating / net)
GrossOperatingNet
Return on equity & assets (ROE / ROA)
ROEROA
Free cash flow (CFO − capex)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key annual figures
FY
Revenue
Net income
Gross M
Op M
ROE
ROA
FCF
Total debt
Cash
2025
—
$224M
—
—
10.6%
0.9%
$481M
—
$4.4B
2024
—
$181M
—
—
9.9%
0.8%
$144M
—
$3.8B
2023
—
$250M
—
—
15.3%
1.2%
$124M
—
$3.8B
2022
—
$228M
—
—
16.3%
1.1%
-$25M
—
$456M
2021
—
$315M
—
—
23.0%
1.6%
—
$775M
$518M
2020
$40M
$133M
0.0%
0.0%
11.9%
0.7%
$128M
$5.5B
$693M
2019
$47M
$79M
0.0%
0.0%
7.5%
0.7%
$77M
$1.4B
$213M
2018
$43M
$72M
0.0%
0.0%
7.5%
0.7%
$96M
$1.4B
$62M
2017
$56M
$79M
0.0%
0.0%
8.6%
0.8%
$60M
—
$146M
2016
—
$79M
—
—
9.2%
0.8%
$86M
$952M
$265M
2015
—
$59M
—
—
10.6%
0.7%
-$360M
$1.7B
$265M
2014
—
$43M
—
—
9.8%
0.6%
-$544M
$1.6B
$371M
2013
—
$33M
—
—
8.5%
0.8%
$718M
$720M
$233M
2012
—
$24M
—
—
8.8%
0.7%
-$1.2B
$476M
$186M
2011
—
$4M
—
—
2.7%
0.2%
$27M
$336M
$74M
Net income
Net income
Return on equity & assets (ROE / ROA)
ROEROA
Shareholders' equity (book value)
Equity
Free cash flow (CFO − capex, quarterly)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key quarterly figures
Quarter
Revenue
Net income
Gross M
Op M
ROE
ROA
FCF
Total debt
Cash
Jun '26
—
$72M
—
—
3.2%
0.3%
$106M
—
$4.2B
Mar '26
—
$70M
—
—
3.2%
0.3%
$35M
—
$4.8B
Dec '25
—
$74M
—
—
3.5%
0.3%
$119M
—
$4.4B
Sep '25
—
$76M
—
—
3.6%
0.3%
$106M
—
$4.2B
Jun '25
—
$61M
—
—
3.3%
0.3%
$162M
—
$3.5B
Mar '25
—
$13M
—
—
0.7%
0.1%
$93M
—
$3.4B
Dec '24
—
$27M
—
—
1.5%
0.1%
$133M
—
$3.8B
Sep '24
—
$47M
—
—
2.6%
0.2%
$24M
—
$3.1B
Jun '24
—
$58M
—
—
3.3%
0.3%
$6M
—
$3.0B
Mar '24
—
$50M
—
—
2.9%
0.2%
-$19M
—
$3.7B
Dec '23
—
$62M
—
—
3.8%
0.3%
-$118M
—
$3.8B
Sep '23
—
$87M
—
—
5.6%
0.4%
$136M
—
$3.4B
Jun '23
—
$48M
—
—
3.3%
0.2%
$89M
—
$3.2B
Mar '23
—
$54M
—
—
3.8%
0.2%
$17M
—
$2.0B
Dec '22
—
$29M
—
—
2.0%
0.1%
—
—
$456M
Sep '22
—
$64M
—
—
4.6%
0.3%
$109M
—
$404M
Jun '22
—
$59M
—
—
4.3%
0.3%
$49M
—
$245M
Mar '22
—
$77M
—
—
5.6%
0.4%
$117M
—
$275M
Dec '21
—
$101M
—
—
7.4%
0.5%
—
$775M
$518M
Sep '21
—
$116M
—
—
9.0%
0.6%
—
$0
$1.1B
Valuation over time
How the market has priced CUBI against its own fundamentals since 2023-03 —
each month-end's share price set against the most recent annual filing, so the multiple moves
as price runs ahead of (or behind) earnings. Split-adjusted.
The price-to-earnings ratio has risen from 2.7× (Mar '23) to 12.0× (Sep '26).
Price / earnings (P/E)
P/E
Frequently asked questions
Is CUBI growing its revenue and profit?
Over the past 5 years, Customers Bancorp, Inc.'s revenue has declined 10.4% per year, and net income grown 11.1% per year. These are computed facts, not advice.
How much debt does CUBI have?
As of FY2025, Customers Bancorp, Inc. reported — of total debt against $4.4B of cash.
What is CUBI's profit margin?
In FY2025, gross margin was —, operating margin —, and net margin —.
What is CUBI's P/E ratio?
As of Sep '26, Customers Bancorp, Inc. traded at a price-to-earnings ratio of about 12.0× (market cap ÷ latest annual net income). The valuation charts above show how its P/E have moved with the share price. These are computed facts, not advice.
Where does this data come from?
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted ·
growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price
against the latest annual filing. Informational only — not investment advice.