Customers Bancorp, Inc. (CUBI)

NYSE Financials Regional Banks S&P SmallCap 600

$84.73

+0.41 (+0.49%)

Close of Nov 06, 2026 · end-of-day data

Source: Customers Bancorp, Inc.'s 10-K / 10-Q XBRL data on SEC EDGAR · fetched Nov 06, 2026

Revenue, net income & free cash flow

Income statement

fiscal years · USD

Fiscal year	FY2017	FY2018	FY2019	FY2020
Revenue	$55.96M	$43.24M	$46.72M	$40.19M
Interest expense	$105.51M	$160.07M	$186.43M	$139.62M
Pre-tax income	$123.88M	$91.05M	$107.78M	$189.76M
Income tax	$45.04M	$19.36M	$26.39M	$46.72M
Net income	$78.84M	$71.69M	$79.33M	$132.58M
EPS (basic)	$2.10	$1.81	$2.08	$3.76
EPS (diluted)	$1.97	$1.78	$2.05	$3.74
Diluted shares	32.60M	32.23M	31.65M	31.73M
Net margin	140.9%	165.8%	169.8%	329.8%

Balance sheet

fiscal years · USD

Fiscal year	FY2017	FY2018	FY2019	FY2020
Cash & equivalents	$146.32M	$62.13M	$212.50M	$693.35M
Total assets	$9.84B	$9.83B	$11.52B	$18.44B
Short-term debt	$1.77B	$1.44B	$1.04B	$1.10B
Long-term debt	—	$0	$350.00M	$4.42B
Total debt	$1.77B	$1.44B	$1.39B	$5.52B
Total liabilities	$8.92B	$8.88B	$10.47B	$17.32B
Shareholders' equity	$920.96M	$956.82M	$1.05B	$1.12B

Cash flow

fiscal years · USD

Fiscal year	FY2017	FY2018	FY2019	FY2020
Operating cash flow	$62.19M	$97.47M	$78.28M	$133.03M
Capital expenditures	$2.13M	$1.78M	$1.52M	$4.67M
Free cash flow	$60.06M	$95.70M	$76.76M	$128.36M
Investing cash flow	-$565.12M	-$104.10M	-$1.44B	-$6.42B
Financing cash flow	$384.55M	-$77.56M	$1.52B	$6.77B
Share buybacks	$0	$12.98M	$571.00K	$0
Stock-based compensation	$7.17M	$9.74M	$9.85M	$12.88M
Depreciation & amortization	$10.80M	$14.16M	$13.61M	$18.51M

Income statement

quarters · USD

Quarter ended	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020
Revenue	$12.95M	$9.11M	$10.30M	$10.89M	$12.35M	$11.24M	$11.78M	$11.35M	$11.55M	$11.20M	$8.87M	$8.58M
Interest expense	$31.93M	$40.32M	$46.04M	$41.78M	$41.77M	$47.27M	$50.98M	$46.40M	$44.02M	$33.24M	$32.21M	$30.15M
Pre-tax income	$31.54M	$30.48M	$6.06M	$22.97M	$20.27M	$11.79M	$35.09M	$34.98M	$11.73M	$32.96M	$63.06M	$82.01M
Income tax	$7.40M	$6.82M	$28.00K	$5.11M	$4.83M	$2.49M	$8.02M	$7.45M	$3.27M	$7.98M	$12.02M	$23.45M
Net income	$24.14M	$23.66M	$6.03M	$17.86M	$15.44M	$9.30M	$27.07M	$27.53M	$3.10M	$22.72M	$50.52M	$56.24M
EPS (basic)	$0.65	$0.64	$0.08	$0.45	$0.38	$0.18	$0.75	$0.76	$-0.02	$0.61	$1.49	$1.67
EPS (diluted)	$0.64	$0.62	$0.07	$0.44	$0.38	$0.18	$0.74	$0.75	$-0.02	$0.61	$1.48	$1.65
Diluted shares	32.27M	32.38M	32.28M	-79.36K	31.48M	31.63M	31.64M	65.19K	31.39M	31.63M	31.74M	61.76K
Net margin	186.4%	259.9%	58.6%	164.1%	125.0%	82.7%	229.8%	242.5%	26.8%	202.9%	569.6%	655.8%

Balance sheet

quarters · USD

Quarter ended	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020
Cash & equivalents	$215.41M	$251.73M	$666.03M	$62.13M	$117.66M	$95.80M	$182.22M	$212.50M	$256.23M	$1.07B	$331.42M	$693.35M
Total assets	$10.77B	$11.09B	$10.62B	$9.83B	$10.14B	$11.18B	$11.72B	$11.52B	$12.02B	$17.90B	$18.78B	$18.44B
Short-term debt	—	—	—	$1.44B	—	—	—	$1.04B	—	$850.00M	$1.53B	$1.10B
Long-term debt	—	—	—	$0	—	—	—	$350.00M	—	$4.42B	$4.81B	$4.42B
Total debt	—	—	—	$1.44B	—	—	—	$1.39B	—	$5.27B	$6.34B	$5.52B
Total liabilities	$9.85B	$10.16B	$9.66B	$8.88B	$9.17B	$10.19B	$10.70B	$10.47B	$11.05B	$16.90B	$17.73B	$17.32B
Shareholders' equity	$919.09M	$936.23M	$954.81M	$956.82M	$978.37M	$991.40M	$1.02B	$1.05B	$964.64M	$1.01B	$1.05B	$1.12B

Cash flow

quarters · USD

Quarter ended	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020
Operating cash flow	$33.34M	$32.13M	$32.89M	-$891.00K	-$6.01M	$9.14M	$31.55M	$43.60M	-$35.14M	$74.72M	$33.89M	$59.56M
Capital expenditures	$268.00K	$340.00K	$736.00K	$433.00K	$141.00K	$204.00K	$5.05M	-$3.88M	$89.00K	$76.00K	$4.02M	$486.00K
Free cash flow	$33.07M	$31.79M	$32.16M	-$1.32M	-$6.15M	$8.94M	$26.50M	$39.72M	-$35.23M	$74.64M	$29.87M	$59.07M
Investing cash flow	-$883.58M	-$295.61M	$890.10M	$184.99M	-$196.30M	-$1.02B	-$452.21M	$221.10M	-$433.52M	-$4.94B	-$1.71B	$661.57M
Financing cash flow	$919.33M	$299.80M	-$508.69M	-$788.00M	$257.84M	$986.02M	$507.08M	-$234.41M	$512.38M	$5.68B	$940.96M	-$359.19M
Share buybacks	$0	$0	$0	$12.98M	$571.00K	$0	$0	$0	$0	$0	$0	$0
Stock-based compensation	$2.22M	$2.17M	$2.21M	$3.15M	$2.38M	$2.52M	$2.39M	$2.56M	$3.46M	$3.81M	$2.20M	$3.41M
Depreciation & amortization	$3.34M	$3.37M	$3.52M	$3.92M	$4.29M	$4.60M	$6.28M	-$1.56M	$7.04M	$7.28M	-$828.00K	$5.02M

Quarterly figures are rebuilt from the year-to-date totals companies report — Q4 is the full year minus the first nine months, since no 10-Q is filed for it. Values are as filed; later restatements replace earlier ones. Fiscal years are labelled by the calendar year in which they end.