Customers Bancorp, Inc. (CUBI) Key Metrics
CUBI valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $2.53B
- Enterprise value
- $721.7M
- P/E (TTM)
- 9.1 10-yr median 8.5
- Forward P/E
- 8.3
- PEG ratio
- 1.18
- Price / sales
- 3.1 10-yr median 1.4
- Price / book
- 1.2 10-yr median 0.9
- EV / EBITDA
- — 10-yr median 14.0
- Dividend yield
- —
- Beta
- 1.53
CUBI key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsCUBI valuation Price multiples at each fiscal year-end price.
CUBI returns How much profit the business earns on the capital it uses.
CUBI per-share figures Results divided by the shares outstanding at year-end.
CUBI financial health Debt, liquidity and how easily interest is covered.
CUBI efficiency & capital use Working capital cycle and where the cash goes.
CUBI valuation history
CUBI returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
CUBI debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
CUBI cash returned to shareholders
CUBI price vs earnings per share
CUBI key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $2.59B | $1.59B | $1.85B | $950.8M | $2.20B | $576.8M | $753.5M | $586.6M | $847.2M | $1.08B |
| Enterprise value | $4.23B | −$2.80B | −$2.89B | −$1.39B | −$952.6M | $78.6M | $1.64B | $1.53B | $2.60B | $2.15B |
| P/E ratio | 11.6 | 8.8 | 7.4 | 4.2 | 7.0 | 4.4 | 9.5 | 8.2 | 10.7 | 13.7 |
| Price / sales | 1.8 | 1.2 | 1.4 | 1.1 | 2.6 | 1.0 | 1.5 | 1.2 | 1.9 | 2.9 |
| Price / book | 1.2 | 0.9 | 1.1 | 0.7 | 1.6 | 0.5 | 0.7 | 0.6 | 0.9 | 1.3 |
| Price / free cash flow | 7.8 | 19.9 | 22.2 | — | 9.2 | 5.5 | 26.9 | 10.3 | 22.4 | 12.5 |
| Price / operating cash flow | 5.2 | 11.0 | 14.9 | — | 8.1 | 4.3 | 9.6 | 6.0 | 13.6 | 11.8 |
| EV / sales | 3.0 | -2.1 | -2.1 | -1.5 | -1.1 | 0.1 | 3.3 | 3.2 | 5.8 | 5.7 |
| EV / EBITDA | 12.0 | — | — | — | — | 0.4 | 13.5 | 14.5 | 19.3 | 16.5 |
| EV / free cash flow | 12.7 | — | — | — | — | 0.8 | 58.4 | 26.8 | 68.6 | 25.0 |
| Earnings yield | 8.7% | 11.4% | 13.5% | 24.0% | 14.3% | 23.0% | 10.5% | 12.2% | 9.3% | 7.3% |
| Free cash flow yield | 12.9% | 5.0% | 4.5% | −14.1% | 10.8% | 18.1% | 3.7% | 9.7% | 4.5% | 8.0% |
| Dividend yield | 0.4% | 1.0% | 0.8% | 1.0% | 0.5% | 2.4% | 1.9% | 2.5% | 1.7% | 0.8% |
| Shareholder yield (dividends + buybacks) | 6.1% | 2.2% | 2.9% | 4.5% | 5.5% | 2.4% | 2.0% | 4.7% | 3.4% | 1.4% |
| Share price at fiscal year-end | $73.12 | $48.68 | $57.62 | $28.34 | $65.37 | $18.18 | $23.81 | $18.20 | $25.99 | $35.82 |
| Per share | ||||||||||
| Revenue per share | $39.96 | $41.59 | $42.52 | $26.68 | $25.06 | $18.93 | $15.68 | $14.73 | $13.79 | $12.56 |
| Earnings per share | $6.33 | $5.55 | $7.78 | $6.80 | $9.34 | $4.18 | $2.51 | $2.22 | $2.42 | $2.62 |
| Operating cash flow per share | $13.98 | $4.43 | $3.88 | −$0.62 | $8.05 | $4.19 | $2.47 | $3.02 | $1.91 | $3.05 |
| Free cash flow per share | $9.43 | $2.44 | $2.59 | −$4.00 | $7.07 | $3.28 | $0.89 | $1.77 | $1.16 | $2.86 |
| Cash per share | $1.75 | $177.44 | $194.41 | $102.64 | $128.65 | $60.00 | $25.54 | $22.56 | $18.95 | $25.26 |
| Book value per share | $59.76 | $56.14 | $50.95 | $41.82 | $40.54 | $35.21 | $33.27 | $29.68 | $28.25 | $28.52 |
| Tangible book value per share | $59.56 | $56.02 | $50.83 | $41.71 | $40.43 | $34.76 | $32.31 | $29.17 | $27.25 | $28.39 |
| Dividends per share | $0.31 | $0.46 | $0.46 | $0.28 | $0.32 | $0.44 | $0.46 | $0.45 | $0.44 | $0.30 |
| Capex per share | $4.55 | $1.99 | $1.29 | $3.38 | $0.98 | $0.91 | $1.59 | $1.26 | $0.75 | $0.18 |
| Debt per share | $48.18 | $43.09 | $46.93 | $32.95 | $35.01 | $44.30 | $53.49 | $51.75 | $72.64 | $61.19 |
| Shares outstanding | 35.4M | 32.7M | 32.2M | 33.5M | 33.7M | 31.7M | 31.6M | 32.2M | 32.6M | 30.0M |
| Change in shares outstanding | +8.2% | +1.7% | −4.1% | −0.4% | +6.2% | +0.3% | −1.8% | −1.1% | +8.6% | +4.6% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 11.3% | 10.4% | 16.4% | 16.5% | 25.3% | 12.2% | 7.9% | 7.6% | 8.9% | 11.2% |
| Return on invested capital (ROIC) | 40.2% | — | — | — | — | 11.2% | 4.2% | 3.1% | 3.4% | 4.4% |
| Return on assets (ROA) | 0.9% | 0.8% | 1.2% | 1.1% | 1.7% | 0.9% | 0.7% | 0.7% | 0.8% | 0.9% |
| Return on tangible assets | 0.9% | 0.8% | 1.2% | 1.1% | 1.6% | 0.7% | 0.7% | 0.7% | 0.8% | 0.8% |
| Free cash flow margin | 23.6% | 5.9% | 6.1% | −15.0% | 28.2% | 17.3% | 5.6% | 12.0% | 8.4% | 22.8% |
| Income quality (OCF / net income) | 2.21 | 0.80 | 0.50 | −0.09 | 0.86 | 1.00 | 0.99 | 1.36 | 0.79 | 1.16 |
| Financial health | ||||||||||
| Total debt | $1.71B | $1.41B | $1.51B | $1.11B | $1.18B | $1.41B | $1.69B | $1.67B | $2.37B | $1.84B |
| Cash & short-term investments | $62.1M | $5.81B | $6.25B | $3.44B | $4.34B | $1.90B | $808.4M | $727.1M | $617.7M | $758.2M |
| Net debt | $1.64B | −$4.40B | −$4.74B | −$2.34B | −$3.16B | −$498.2M | $884.4M | $940.8M | $1.75B | $1.08B |
| Debt / equity | 0.81 | 0.77 | 0.92 | 0.79 | 0.86 | 1.26 | 1.61 | 1.74 | 2.57 | 2.15 |
| Debt / assets | 0.07 | 0.06 | 0.07 | 0.05 | 0.06 | 0.08 | 0.15 | 0.17 | 0.24 | 0.20 |
| Net debt / EBITDA | 4.66 | −17.04 | −13.10 | −7.34 | −6.82 | −2.39 | 7.29 | 8.94 | 12.99 | 8.26 |
| Current ratio | 0.01 | 0.32 | 0.37 | 0.19 | 0.25 | 0.16 | 0.08 | 0.10 | 166.16 | 0.10 |
| Quick ratio | 0.01 | 0.32 | 1.30 | 0.19 | 0.28 | 0.22 | 0.11 | 0.10 | 166.12 | 0.10 |
| Interest coverage | 0.5 | 0.3 | 0.5 | 1.1 | 4.6 | 1.4 | 0.6 | 0.6 | 1.2 | 1.7 |
| Working capital | −$15.59B | −$12.82B | −$11.35B | −$15.12B | −$13.38B | −$10.58B | −$9.32B | −$6.64B | $9.28B | −$7.37B |
| Invested capital | $3.76B | −$2.56B | −$3.10B | −$934.8M | −$1.79B | $618.9M | $1.94B | $1.90B | $2.67B | $1.93B |
| Tangible asset value | $2.11B | $1.83B | $1.63B | $1.40B | $1.36B | $1.10B | $1.02B | $940.3M | $888.4M | $852.2M |
| Net current asset value | −$22.61B | −$14.34B | −$13.11B | −$15.93B | −$13.78B | −$15.34B | −$9.62B | −$8.12B | $421.3M | −$7.74B |
| Graham number | $92.26 | $83.70 | $94.43 | $79.97 | $92.29 | $57.53 | $43.32 | $38.54 | $39.21 | $41.02 |
| Graham net-net per share | −$639.56 | −$440.83 | −$669.52 | −$475.66 | −$418.71 | −$496.26 | −$308.30 | −$252.05 | −$254.01 | −$258.19 |
| Capital allocation | ||||||||||
| Dividends paid | $10.8M | $15.1M | $14.6M | $9.3M | $10.8M | $14.1M | $14.5M | $14.5M | $14.5M | $9.1M |
| Share buybacks (net) | $148.1M | $19.2M | $39.8M | $33.2M | $110.2M | $0 | $571,000 | $13.0M | $14.8M | $5.9M |
| Dividend payout ratio | 4.8% | 8.3% | 5.9% | 4.1% | 3.4% | 10.6% | 18.2% | 20.2% | 18.3% | 11.5% |
| Dividends + buybacks / free cash flow | 47.6% | 43.1% | 65.3% | — | 50.8% | 13.5% | 53.6% | 48.1% | 77.2% | 17.4% |
| Capex / revenue | 11.4% | 4.8% | 3.0% | 12.7% | 3.9% | 4.8% | 10.1% | 8.5% | 5.4% | 1.4% |
| Capex / operating cash flow | 32.6% | 44.9% | 33.1% | — | 12.2% | 21.7% | 64.2% | 41.5% | 39.2% | 5.9% |
| Capex / depreciation | 3.85 | 1.94 | 1.30 | 4.17 | 1.52 | 0.95 | 2.20 | 2.86 | 2.26 | 0.92 |
| Stock-based compensation / revenue | 1.3% | 1.1% | 0.9% | 1.6% | 1.6% | 2.1% | 2.0% | 2.1% | 1.6% | 1.9% |
| SG&A / revenue | 15.8% | 16.3% | 9.8% | 13.8% | 14.2% | 17.9% | 26.9% | 33.8% | 33.6% | 32.4% |
| Efficiency | ||||||||||
| Days sales outstanding | 55.1 | 86.3 | 59.2 | 44.0 | 37.3 | 36.0 | 26.1 | 23.1 | 20.6 | 21.1 |
| Days of inventory on hand | — | — | -86,336.9 | — | -2,050.8 | -924.4 | -216.5 | 2.8 | 7.9 | 19.6 |
| Days payables outstanding | — | — | — | 273.3 | 597.1 | 251.0 | 166.9 | 135.1 | 213.9 | 287.1 |
| Cash conversion cycle (days) | — | — | — | -229.3 | -2,610.6 | -1,139.4 | -357.3 | -109.2 | -185.5 | -246.3 |
| Receivables turnover | 6.63 | 4.23 | 6.16 | 8.30 | 9.78 | 10.14 | 13.97 | 15.83 | 17.72 | 17.28 |
| Payables turnover | — | — | — | 1.34 | 0.61 | 1.45 | 2.19 | 2.70 | 1.71 | 1.27 |
| Inventory turnover | — | — | — | — | — | — | — | 130.38 | 46.45 | 18.64 |
| Asset turnover | 0.06 | 0.06 | 0.06 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.04 |
| Average receivables | $213.4M | $321.9M | $221.9M | $107.8M | $86.3M | $59.2M | $35.5M | $30.0M | $25.4M | $21.8M |
| Average payables | — | — | — | $240.9M | $201.6M | $139.2M | $96.3M | $61.3M | $65.8M | $59.8M |
| Average inventory | — | — | −$16.69B | — | −$692.4M | −$512.6M | −$125.0M | $1.3M | $2.4M | $4.1M |
| Intangibles / total assets | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.1% | 0.3% | 0.2% | 0.3% | 0.0% |
Computed from CUBI's annual financial statements (latest annual report filed February 27, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
CUBI valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Customers Bancorp traded at 11.6 times earnings, against a 10-year median of 8.5. Based on the latest twelve months, the trailing P/E is 9.1 and the forward P/E is 8.3. Customers Bancorp earned a return on equity of 11.3% and a return on invested capital of 40.2% in fiscal 2025. It ended the year with $1.7 billion of debt and $62.1 million in cash and short-term investments, net debt of $1.6 billion. It returned $158.9 million to shareholders: $10.8 million in dividends and $148.1 million in share buybacks, 48% of free cash flow. The share count rose 17.9% from 30.0M to 35.4M over 9 years.
See the CUBI income statement, the CUBI chart for price history, or the CUBI stock overview for the latest quote and news.
CUBI key metrics FAQ
What is Customers Bancorp's P/E ratio?
Customers Bancorp's trailing P/E ratio is 9.1 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 8.3. At the end of fiscal 2025 it was 11.6, compared with a 10-year median of 8.5.
What is Customers Bancorp's EV/EBITDA?
Customers Bancorp's enterprise value was 12.0 times EBITDA at the end of fiscal 2025 (enterprise value $4.2 billion, EBITDA $352.6 million).
What is Customers Bancorp's return on equity?
Customers Bancorp's return on equity (ROE) was 11.3% in fiscal 2025: net income of $224.1 million on average shareholders' equity of $2.0 billion.
What is Customers Bancorp's ROIC?
Customers Bancorp's return on invested capital was 40.2% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Customers Bancorp have?
Customers Bancorp had total debt of $1.7 billion at the end of fiscal 2025, a debt-to-equity ratio of 0.81 and $1.6 billion of net debt (4.66 times EBITDA).
What is Customers Bancorp's dividend yield?
Customers Bancorp paid $10.8 million in dividends in fiscal 2025 ($0.31 per share), a payout ratio of 4.8%.
Does Customers Bancorp buy back its shares?
Yes. Customers Bancorp spent $148.1 million on net share repurchases in fiscal 2025 Shares outstanding changed +8.2% over the year, to 35.4M..
What is Customers Bancorp's free cash flow yield?
Customers Bancorp generated $333.7 million of free cash flow in fiscal 2025, a free cash flow yield of 12.9% on its market value at year-end ($2.6 billion).
What is Customers Bancorp's current ratio?
Customers Bancorp's current ratio was 0.01 at the end of fiscal 2025: current assets were 0.01 times current liabilities.