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 12.9× (Nov '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?
Customers Bancorp, Inc.'s P/E (TTM) is 9.91 as of the 2026-11-03 close — market cap ÷ net income over the trailing twelve months where four consecutive quarters are reported, otherwise the latest fiscal year, the same figure as on the CUBI stock page. The valuation chart above sets each month-end's price against the latest annual net income instead, so its latest point (about 12.9× as of Nov '26) can differ. 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), split-adjusted; price return — dividends not reinvested ·
growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price
against the latest annual filing. Informational only — not investment advice.