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

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Customers Bancorp Ratios

CUBI's free cash flow for Q4 2025 was $0.61. For the 2025 fiscal year, CUBI's free cash flow was decreased by $ and operating cash flow was $0.31. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 277.11 0.01 0.32 0.37 0.19
Quick Ratio
 277.11 0.01 0.32 0.37 0.19
Cash Ratio
 1.27 <0.01 0.20 0.21 0.02
Solvency Ratio
 0.01 0.01 0.01 0.01 0.01
Operating Cash Flow Ratio
 7.07 0.03 <0.01 <0.01 >-0.01
Short-Term Operating Cash Flow Coverage
 7.07 66.52 1.45 4.20 -0.07
Net Current Asset Value
$ -4.34B$ -22.61B$ -14.34B$ -13.11B$ -15.93B
Leverage Ratios
Debt-to-Assets Ratio
 0.07 0.07 0.06 0.07 0.05
Debt-to-Equity Ratio
 0.89 0.81 0.77 0.92 0.79
Debt-to-Capital Ratio
 0.47 0.45 0.43 0.48 0.44
Long-Term Debt-to-Capital Ratio
 0.46 0.45 0.42 0.48 0.36
Financial Leverage Ratio
 12.07 11.77 12.15 13.01 14.89
Debt Service Coverage Ratio
 0.49 0.47 0.28 0.40 0.45
Interest Coverage Ratio
 0.64 0.51 0.33 0.49 1.11
Debt to Market Cap
 0.76 0.69 0.92 0.85 1.20
Interest Debt Per Share
 73.62 67.70 66.12 69.64 41.90
Net Debt to EBITDA
 4.38 4.67 -9.21 -6.45 2.04
Profitability Margins
Gross Profit Margin
54.83%51.59%45.12%46.90%64.06%
EBIT Margin
25.96%21.97%16.49%23.28%32.54%
EBITDA Margin
27.64%24.86%18.95%25.52%35.58%
Operating Profit Margin
25.96%21.97%16.49%23.28%32.54%
Pretax Profit Margin
24.47%20.39%16.49%23.28%32.54%
Net Profit Margin
18.73%15.84%13.33%17.61%25.48%
Continuous Operations Profit Margin
18.73%15.84%13.33%17.61%25.48%
Net Income Per EBT
76.55%77.69%80.88%75.63%78.28%
EBT Per EBIT
94.26%92.81%100.00%100.00%100.00%
Return on Assets (ROA)
1.09%0.90%0.81%1.17%1.09%
Return on Equity (ROE)
13.62%10.59%9.88%15.27%16.25%
Return on Capital Employed (ROCE)
1.51%3.40%6.67%9.74%13.19%
Return on Invested Capital (ROIC)
1.53%2.64%5.24%7.30%9.09%
Return on Tangible Assets
1.09%0.90%0.81%1.17%1.09%
Earnings Yield
11.08%8.96%11.83%13.81%24.66%
Efficiency Ratios
Receivables Turnover
 14.28 13.65 4.21 4.43 7.26
Payables Turnover
 0.00 0.00 0.00 0.00 1.39
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 95.21 84.48 204.10 192.76 99.18
Asset Turnover
 0.06 0.06 0.06 0.07 0.04
Working Capital Turnover Ratio
 0.80 -0.10 -0.11 -0.11 -0.06
Cash Conversion Cycle
 25.56 26.74 86.70 82.32 -211.39
Days of Sales Outstanding
 25.56 26.74 86.70 82.32 50.31
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 261.70
Operating Cycle
 25.56 26.74 86.70 82.32 50.31
Cash Flow Ratios
Operating Cash Flow Per Share
 14.52 14.47 4.60 3.97 -0.64
Free Cash Flow Per Share
 9.89 14.07 2.53 2.65 -4.11
CapEx Per Share
 4.63 0.40 2.07 1.32 3.47
Free Cash Flow to Operating Cash Flow
 0.68 0.97 0.55 0.67 6.44
Dividend Paid and CapEx Coverage Ratio
 2.94 20.16 1.81 2.23 -0.17
Capital Expenditure Coverage Ratio
 3.14 36.01 2.23 3.02 -0.18
Operating Cash Flow Coverage Ratio
 0.26 0.29 0.10 0.08 -0.02
Operating Cash Flow to Sales Ratio
 0.33 0.35 0.11 0.09 -0.02
Free Cash Flow Yield
13.45%19.24%5.21%4.60%-14.51%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 9.03 11.16 8.45 7.24 4.06
Price-to-Sales (P/S) Ratio
 1.67 1.77 1.13 1.27 1.03
Price-to-Book (P/B) Ratio
 1.18 1.18 0.84 1.11 0.66
Price-to-Free Cash Flow (P/FCF) Ratio
 7.43 5.20 19.20 21.72 -6.89
Price-to-Operating Cash Flow Ratio
 5.12 5.05 10.57 14.52 -44.41
Price-to-Earnings Growth (PEG) Ratio
 0.09 0.53 -0.29 0.61 -0.11
Price-to-Fair Value
 1.18 1.18 0.84 1.11 0.66
Enterprise Value Multiple
 10.42 11.78 -3.27 -1.45 4.94
Enterprise Value
 4.32B 4.14B -842.14M -525.73M 1.57B
EV to EBITDA
 10.42 11.78 -3.27 -1.45 4.94
EV to Sales
 2.88 2.93 -0.62 -0.37 1.76
EV to Free Cash Flow
 12.81 8.61 -10.54 -6.30 -11.74
EV to Operating Cash Flow
 8.73 8.37 -5.81 -4.21 -75.61
Tangible Book Value Per Share
 62.92 61.77 58.18 52.00 42.88
Shareholders’ Equity Per Share
 62.92 61.88 58.29 52.12 42.99
Tax and Other Ratios
Effective Tax Rate
 0.23 0.22 0.19 0.24 0.22
Revenue Per Share
 44.00 41.37 43.19 45.20 27.43
Net Income Per Share
 8.24 6.55 5.76 7.96 6.99
Tax Burden
 0.77 0.78 0.81 0.76 0.78
Interest Burden
 0.94 0.93 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.15 0.16 0.16 0.12 0.14
Stock-Based Compensation to Revenue
 0.01 0.01 0.01 <0.01 0.02
Income Quality
 2.21 2.21 0.80 0.50 -0.09
Currency in USD