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STOCKS

Customers Bancorp (CUBI)

NYSE:CUBI

CUBI

Customers Bancorp

RESEARCH TOOLSreports

Customers Bancorp (CUBI) Ratios

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318 Followers

Customers Bancorp Ratios

CUBI's free cash flow for Q3 2025 was $0.52. For the 2025 fiscal year, CUBI's free cash flow was decreased by $ and operating cash flow was $0.26. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.24	0.32	0.37	81.95	4.65
Quick Ratio	0.24	0.32	0.37	81.95	5.30
Cash Ratio	0.20	0.20	0.21	1.98	0.54
Solvency Ratio	<0.01	0.01	0.01	0.01	0.02
Operating Cash Flow Ratio	0.02	<0.01	<0.01	-0.09	0.29
Short-Term Operating Cash Flow Coverage	8.28	1.45	0.00	-0.07	0.39
Net Current Asset Value	$ -17.23B	$ -14.34B	$ -13.11B	$ -591.04M	$ -13.78B
Leverage Ratios
Debt-to-Assets Ratio	0.06	0.06	0.07	0.07	0.06
Debt-to-Equity Ratio	0.69	0.77	0.92	1.00	0.81
Debt-to-Capital Ratio	0.41	0.43	0.48	0.50	0.45
Long-Term Debt-to-Capital Ratio	0.40	0.42	0.48	0.36	0.23
Financial Leverage Ratio	11.41	12.15	13.01	14.89	14.33
Debt Service Coverage Ratio	0.32	0.28	0.41	0.45	0.47
Interest Coverage Ratio	0.37	0.33	0.49	2.11	4.19
Debt to Market Cap	0.60	0.92	0.83	1.20	0.52
Interest Debt Per Share	64.86	66.12	69.64	51.09	37.16
Net Debt to EBITDA	-10.21	-9.21	-6.45	2.98	1.27
Profitability Margins
Gross Profit Margin	46.49%	45.12%	46.90%	100.00%	100.00%
EBIT Margin	16.94%	16.49%	23.28%	46.06%	58.94%
EBITDA Margin	19.79%	18.95%	25.52%	50.36%	61.84%
Operating Profit Margin	16.94%	16.49%	23.28%	87.44%	53.65%
Pretax Profit Margin	16.94%	16.49%	23.28%	46.06%	58.94%
Net Profit Margin	13.17%	13.33%	17.61%	36.06%	42.03%
Continuous Operations Profit Margin	13.17%	13.33%	17.61%	36.06%	47.33%
Net Income Per EBT	77.76%	80.88%	75.63%	78.28%	71.31%
EBT Per EBIT	100.00%	100.00%	100.00%	52.68%	109.87%
Return on Assets (ROA)	0.73%	0.81%	1.17%	1.09%	1.61%
Return on Equity (ROE)	9.18%	9.88%	15.27%	16.25%	23.03%
Return on Capital Employed (ROCE)	5.97%	6.67%	9.74%	2.68%	2.16%
Return on Invested Capital (ROIC)	4.58%	5.24%	7.37%	2.28%	4.03%
Return on Tangible Assets	0.73%	0.81%	1.17%	1.09%	1.61%
Earnings Yield	7.06%	11.83%	13.81%	24.66%	14.90%
Efficiency Ratios
Receivables Turnover	12.60	4.21	4.43	0.04	0.00
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	87.38	204.10	192.76	70.07	84.20
Asset Turnover	0.06	0.06	0.07	0.03	0.04
Working Capital Turnover Ratio	-0.09	-0.11	-0.11	0.06	0.34
Cash Conversion Cycle	28.97	86.70	82.32	8.92K	0.00
Days of Sales Outstanding	28.97	86.70	82.32	8.92K	0.00
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	28.97	86.70	82.32	8.92K	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	12.80	4.60	3.97	-0.64	8.39
Free Cash Flow Per Share	10.16	2.53	2.65	-4.11	7.37
CapEx Per Share	2.64	2.07	1.32	3.47	1.02
Free Cash Flow to Operating Cash Flow	0.79	0.55	0.67	6.44	0.88
Dividend Paid and CapEx Coverage Ratio	4.15	1.81	2.23	-0.17	6.19
Capital Expenditure Coverage Ratio	4.85	2.23	3.02	-0.18	8.23
Operating Cash Flow Coverage Ratio	0.28	0.10	0.08	-0.01	0.25
Operating Cash Flow to Sales Ratio	0.31	0.11	0.09	-0.03	0.36
Free Cash Flow Yield	13.43%	5.21%	4.60%	-14.51%	11.28%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	14.16	8.45	7.24	4.06	6.71
Price-to-Sales (P/S) Ratio	1.83	1.13	1.27	1.46	2.82
Price-to-Book (P/B) Ratio	1.18	0.84	1.11	0.66	1.55
Price-to-Free Cash Flow (P/FCF) Ratio	7.45	19.20	21.72	-6.89	8.87
Price-to-Operating Cash Flow Ratio	6.03	10.57	14.52	-44.41	7.79
Price-to-Earnings Growth (PEG) Ratio	0.64	-0.29	0.61	-0.11	0.04
Price-to-Fair Value	1.18	0.84	1.11	0.66	1.55
Enterprise Value Multiple	-0.98	-3.27	-1.45	5.89	5.83
Enterprise Value	-260.56M	-842.14M	-525.73M	1.87B	2.70B
EV to EBITDA	-0.98	-3.27	-1.45	5.89	5.83
EV to Sales	-0.19	-0.62	-0.37	2.96	3.61
EV to Free Cash Flow	-0.79	-10.54	-6.30	-13.97	11.33
EV to Operating Cash Flow	-0.63	-5.81	-4.21	-90.01	9.95
Tangible Book Value Per Share	65.63	58.18	52.00	42.88	42.17
Shareholders’ Equity Per Share	65.74	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	41.44	43.19	45.20	19.38	23.17
Net Income Per Share	5.46	5.76	7.96	6.99	9.74
Tax Burden	0.78	0.81	0.76	0.78	0.71
Interest Burden	1.00	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	0.13	0.16	0.12	0.19	0.27
Stock-Based Compensation to Revenue	0.01	0.01	<0.01	0.02	0.02
Income Quality	2.81	0.80	0.50	-0.09	0.77

Currency in USD