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STOCKS

Customers Bancorp (CUBI)

NYSE:CUBI

CUBI

Customers Bancorp

RESEARCH TOOLSreports

Customers Bancorp (CUBI) Ratios

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320 Followers

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 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.01	0.01	0.32	0.37	0.19
Quick Ratio	0.01	0.01	0.32	0.37	0.19
Cash Ratio	<0.01	<0.01	0.20	0.21	0.02
Solvency Ratio	0.01	0.01	0.01	0.01	0.01
Operating Cash Flow Ratio	0.03	0.03	<0.01	<0.01	>-0.01
Short-Term Operating Cash Flow Coverage	66.52	66.52	1.45	4.20	-0.07
Net Current Asset Value	$ -22.61B	$ -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	0.81	0.81	0.77	0.92	0.79
Debt-to-Capital Ratio	0.45	0.45	0.43	0.48	0.44
Long-Term Debt-to-Capital Ratio	0.45	0.45	0.42	0.48	0.36
Financial Leverage Ratio	11.77	11.77	12.15	13.01	14.89
Debt Service Coverage Ratio	0.47	0.47	0.28	0.40	0.45
Interest Coverage Ratio	0.51	0.51	0.33	0.49	1.11
Debt to Market Cap	0.75	0.69	0.92	0.85	1.20
Interest Debt Per Share	67.70	67.70	66.12	69.64	41.90
Net Debt to EBITDA	4.67	4.67	-9.21	-6.45	2.04
Profitability Margins
Gross Profit Margin	51.59%	51.59%	45.12%	46.90%	64.06%
EBIT Margin	21.97%	21.97%	16.49%	23.28%	32.54%
EBITDA Margin	24.86%	24.86%	18.95%	25.52%	35.58%
Operating Profit Margin	21.97%	21.97%	16.49%	23.28%	32.54%
Pretax Profit Margin	20.39%	20.39%	16.49%	23.28%	32.54%
Net Profit Margin	15.84%	15.84%	13.33%	17.61%	25.48%
Continuous Operations Profit Margin	15.84%	15.84%	13.33%	17.61%	25.48%
Net Income Per EBT	77.69%	77.69%	80.88%	75.63%	78.28%
EBT Per EBIT	92.81%	92.81%	100.00%	100.00%	100.00%
Return on Assets (ROA)	0.90%	0.90%	0.81%	1.17%	1.09%
Return on Equity (ROE)	11.25%	10.59%	9.88%	15.27%	16.25%
Return on Capital Employed (ROCE)	3.40%	3.40%	6.67%	9.74%	13.19%
Return on Invested Capital (ROIC)	2.64%	2.64%	5.24%	7.30%	9.09%
Return on Tangible Assets	0.90%	0.90%	0.81%	1.17%	1.09%
Earnings Yield	9.86%	8.96%	11.83%	13.81%	24.66%
Efficiency Ratios
Receivables Turnover	13.65	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	84.48	84.48	204.10	192.76	99.18
Asset Turnover	0.06	0.06	0.06	0.07	0.04
Working Capital Turnover Ratio	-0.09	-0.10	-0.11	-0.11	-0.06
Cash Conversion Cycle	26.74	26.74	86.70	82.32	-211.39
Days of Sales Outstanding	26.74	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	26.74	26.74	86.70	82.32	50.31
Cash Flow Ratios
Operating Cash Flow Per Share	14.47	14.47	4.60	3.97	-0.64
Free Cash Flow Per Share	9.86	14.07	2.53	2.65	-4.11
CapEx Per Share	4.61	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	0.29	0.29	0.10	0.08	-0.02
Operating Cash Flow to Sales Ratio	0.35	0.35	0.11	0.09	-0.02
Free Cash Flow Yield	14.81%	19.24%	5.21%	4.60%	-14.51%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	10.15	11.16	8.45	7.24	4.06
Price-to-Sales (P/S) Ratio	1.61	1.77	1.13	1.27	1.03
Price-to-Book (P/B) Ratio	1.07	1.18	0.84	1.11	0.66
Price-to-Free Cash Flow (P/FCF) Ratio	6.75	5.20	19.20	21.72	-6.89
Price-to-Operating Cash Flow Ratio	4.60	5.05	10.57	14.52	-44.41
Price-to-Earnings Growth (PEG) Ratio	0.39	0.53	-0.29	0.61	-0.11
Price-to-Fair Value	1.07	1.18	0.84	1.11	0.66
Enterprise Value Multiple	11.14	11.78	-3.27	-1.45	4.94
Enterprise Value	3.92B	4.14B	-842.14M	-525.73M	1.57B
EV to EBITDA	11.14	11.78	-3.27	-1.45	4.94
EV to Sales	2.77	2.93	-0.62	-0.37	1.76
EV to Free Cash Flow	11.63	8.61	-10.54	-6.30	-11.74
EV to Operating Cash Flow	7.92	8.37	-5.81	-4.21	-75.61
Tangible Book Value Per Share	61.77	61.77	58.18	52.00	42.88
Shareholders’ Equity Per Share	61.88	61.88	58.29	52.12	42.99
Tax and Other Ratios
Effective Tax Rate	0.22	0.22	0.19	0.24	0.22
Revenue Per Share	41.37	41.37	43.19	45.20	27.43
Net Income Per Share	6.55	6.55	5.76	7.96	6.99
Tax Burden	0.78	0.78	0.81	0.76	0.78
Interest Burden	0.93	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	0.16	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