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Customers Bancorp (CUBI)
:CUBI
US Market
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Customers Bancorp (CUBI) Ratios

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Customers Bancorp Ratios

CUBI's free cash flow for Q1 2025 was $0.39. For the 2025 fiscal year, CUBI's free cash flow was decreased by $ and operating cash flow was $0.04. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
0.23 0.37 81.95 4.65 1.90
Quick Ratio
0.23 0.37 81.95 5.30 2.65
Cash Ratio
0.18 0.21 1.98 0.54 0.67
Solvency Ratio
<0.01 0.01 0.01 0.02 <0.01
Operating Cash Flow Ratio
0.01 <0.01 -0.09 0.29 0.13
Short-Term Operating Cash Flow Coverage
2.58 0.00 -0.07 0.39 0.16
Net Current Asset Value
$ -3.40B$ -13.11B$ -591.04M$ -13.78B$ -15.34B
Leverage Ratios
Debt-to-Assets Ratio
0.06 0.07 0.07 0.06 0.06
Debt-to-Equity Ratio
0.76 0.92 1.00 0.81 1.03
Debt-to-Capital Ratio
0.43 0.48 0.50 0.45 0.51
Long-Term Debt-to-Capital Ratio
0.41 0.48 0.36 0.23 0.21
Financial Leverage Ratio
12.03 13.01 14.89 14.33 16.51
Debt Service Coverage Ratio
0.25 0.41 0.45 0.47 0.17
Interest Coverage Ratio
0.26 0.49 2.11 4.19 1.26
Debt to Market Cap
0.72 0.83 1.20 0.52 2.02
Interest Debt Per Share
65.65 69.64 51.09 37.16 41.10
Net Debt to EBITDA
-0.35 -6.45 2.98 1.27 2.22
Profitability Margins
Gross Profit Margin
43.43%46.90%100.00%100.00%100.00%
EBIT Margin
13.17%23.28%46.06%58.94%37.78%
EBITDA Margin
16.32%25.52%50.36%61.84%41.47%
Operating Profit Margin
13.17%23.28%87.44%53.65%35.03%
Pretax Profit Margin
13.17%23.28%46.06%58.94%35.03%
Net Profit Margin
11.15%17.61%36.06%42.03%26.40%
Continuous Operations Profit Margin
11.15%17.61%36.06%47.33%28.48%
Net Income Per EBT
84.65%75.63%78.28%71.31%75.35%
EBT Per EBIT
100.00%100.00%52.68%109.87%100.00%
Return on Assets (ROA)
0.65%1.17%1.09%1.61%0.72%
Return on Equity (ROE)
8.01%15.27%16.25%23.03%11.87%
Return on Capital Employed (ROCE)
0.36%9.74%2.68%2.16%1.01%
Return on Invested Capital (ROIC)
0.40%7.37%2.28%4.03%4.38%
Return on Tangible Assets
0.65%1.17%1.09%1.61%0.72%
Earnings Yield
7.57%13.81%24.66%14.90%23.15%
Efficiency Ratios
Receivables Turnover
12.27 4.43 0.04 0.00 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
195.06 192.76 70.07 84.20 43.20
Asset Turnover
0.06 0.07 0.03 0.04 0.03
Working Capital Turnover Ratio
-0.09 -0.11 0.06 0.34 0.60
Cash Conversion Cycle
4.33K 82.32 8.92K 0.00 0.00
Days of Sales Outstanding
4.33K 82.32 8.92K 0.00 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
4.33K 82.32 8.92K 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
8.20 3.97 -0.64 8.39 4.22
Free Cash Flow Per Share
5.73 2.65 -4.11 7.37 3.31
CapEx Per Share
2.48 1.32 3.47 1.02 0.92
Free Cash Flow to Operating Cash Flow
0.70 0.67 6.44 0.88 0.78
Dividend Paid and CapEx Coverage Ratio
2.79 2.23 -0.17 6.19 3.10
Capital Expenditure Coverage Ratio
3.31 3.02 -0.18 8.23 4.61
Operating Cash Flow Coverage Ratio
0.18 0.08 -0.01 0.25 0.12
Operating Cash Flow to Sales Ratio
0.20 0.09 -0.03 0.36 0.26
Free Cash Flow Yield
9.24%4.60%-14.51%11.28%18.18%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
13.47 7.24 4.06 6.71 4.32
Price-to-Sales (P/S) Ratio
1.51 1.27 1.46 2.82 1.14
Price-to-Book (P/B) Ratio
1.05 1.11 0.66 1.55 0.51
Price-to-Free Cash Flow (P/FCF) Ratio
10.87 21.72 -6.89 8.87 5.50
Price-to-Operating Cash Flow Ratio
7.55 14.52 -44.41 7.79 4.31
Price-to-Earnings Growth (PEG) Ratio
-0.61 0.61 -0.11 0.04 0.04
Price-to-Fair Value
1.05 1.11 0.66 1.55 0.51
Enterprise Value Multiple
-0.27 -1.45 5.89 5.83 4.97
Enterprise Value
1.88B -525.73M 1.87B 2.70B 1.03B
EV to EBITDA
9.05 -1.45 5.89 5.83 4.97
EV to Sales
1.45 -0.37 2.96 3.61 2.06
EV to Free Cash Flow
10.41 -6.30 -13.97 11.33 9.94
EV to Operating Cash Flow
7.27 -4.21 -90.01 9.95 7.78
Tangible Book Value Per Share
59.29 52.00 42.88 42.17 35.00
Shareholders’ Equity Per Share
59.29 52.12 42.99 42.28 35.46
Tax and Other Ratios
Effective Tax Rate
0.15 0.24 0.22 0.20 0.25
Revenue Per Share
41.27 45.20 19.38 23.17 15.94
Net Income Per Share
4.60 7.96 6.99 9.74 4.21
Tax Burden
0.85 0.76 0.78 0.71 0.75
Interest Burden
1.00 1.00 1.00 1.00 0.93
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.14 0.12 0.19 0.27 0.38
Stock-Based Compensation to Revenue
0.01 <0.01 0.02 0.02 0.03
Income Quality
1.78 0.50 -0.09 0.77 1.00
Currency in USD
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