Customers Bancorp, Inc 5.375% S (CUBB) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 191.35M | 204.43M | 201.91M | 176.7M | 167.45M | 167.82M | 158.54M | 167.65M | 160.38M | 172.51M | 199.77M | 165.27M | 149.9M | 135.14M | 159.03M | 164.85M | 164.7M | 193.69M | 219.89M | 138.76M |
| NII Growth % | 14.28% | 21.81% | 27.35% | 5.4% | 4.4% | -2.72% | -20.64% | 1.44% | 7% | 27.65% | 25.62% | 0.25% | -8.99% | -30.23% | -27.68% | 18.81% | 24.08% | 57.54% | 104.67% | 50.85% |
| Net Interest Margin % | 0.74% | 0.82% | 0.83% | 0.78% | 0.75% | 0.75% | 0.74% | 0.8% | 0.75% | 0.81% | 0.91% | 0.75% | 0.69% | 0.65% | 0.78% | 0.81% | 0.86% | 0.99% | 1.15% | 0.71% |
| Interest Income | 336.31M | 355.2M | 361.48M | 328M | 314.91M | 329.91M | 332.11M | 334.04M | 331.78M | 345.92M | 376.34M | 330.16M | 314.94M | 269.65M | 235.92M | 196.33M | 183.48M | 214.04M | 242.85M | 162.88M |
| Interest Expense | 144.96M | 150.77M | 159.57M | 151.3M | 147.46M | 162.09M | 173.57M | 166.38M | 171.39M | 173.41M | 176.57M | 164.89M | 165.05M | 134.51M | 76.88M | 31.48M | 18.78M | 20.34M | 22.96M | 24.12M |
| Loan Loss Provision | 23.37M | 22.34M | 26.54M | 20.78M | 28.3M | 21.19M | 17.07M | 18.12M | 17.07M | 13.52M | 17.86M | 23.63M | 19.6M | 28.22M | -7.99M | 23.85M | 16M | 13.89M | 13.16M | 3.29M |
| Non-Interest Income | 33.58M | 32.52M | 30.19M | 29.61M | -75.81M | -391K | 8.56M | 31.04M | 21.23M | 18.67M | 17.77M | 16M | -10.03M | 14.86M | -8.9M | 12.78M | 22.37M | 16.99M | 25.59M | 16.82M |
| Non-Interest Income % | 9.08% | 8.39% | 7.71% | 8.28% | -31.71% | -0.12% | 2.51% | 8.5% | 6.01% | 5.12% | 4.51% | 4.62% | -3.29% | 5.22% | -3.92% | 6.11% | 10.87% | 7.35% | 9.53% | 9.36% |
| Total Revenue | 369.89M | 387.71M | 391.67M | 357.61M | 239.1M | 329.51M | 340.67M | 365.07M | 353.01M | 364.59M | 394.12M | 346.16M | 304.92M | 284.51M | 227.01M | 209.12M | 205.85M | 231.03M | 268.44M | 179.7M |
| Revenue Growth % | 54.7% | 17.66% | 14.97% | -2.05% | -32.27% | -9.62% | -13.56% | 5.47% | 15.77% | 28.15% | 73.61% | 65.53% | 48.13% | 23.15% | -15.43% | 16.37% | 15.16% | 36.8% | 57.73% | 31.24% |
| Non-Interest Expense | 111.99M | 117.31M | 105.22M | 106.63M | 51.45M | 110.38M | 104.02M | 103.45M | 99.17M | 93.77M | 89.47M | 89.3M | 51.98M | 85.94M | 76.31M | 76.24M | 74.98M | 81.55M | 80.01M | 70.82M |
| Efficiency Ratio | 30.28% | 30.26% | 26.86% | 29.82% | 21.52% | 33.5% | 30.53% | 28.34% | 28.09% | 25.72% | 22.7% | 25.8% | 17.05% | 30.21% | 33.62% | 36.46% | 36.43% | 35.3% | 29.81% | 39.41% |
| Operating Income | 90.31M | 97.3M | 100.34M | 78.9M | 11.89M | 35.86M | 46.02M | 77.12M | 65.38M | 83.89M | 110.23M | 68.34M | 68.28M | 35.85M | 81.81M | 77.55M | 96.09M | 115.25M | 152.31M | 81.47M |
| Operating Margin % | 24.41% | 25.1% | 25.62% | 22.06% | 4.97% | 10.88% | 13.51% | 21.12% | 18.52% | 23.01% | 27.97% | 19.74% | 22.39% | 12.6% | 36.04% | 37.08% | 46.68% | 49.88% | 56.74% | 45.33% |
| Operating Income Growth % | 659.65% | 171.32% | 118.05% | 2.31% | -81.82% | -57.25% | -58.25% | 12.84% | -4.26% | 134.02% | 34.73% | -11.87% | -28.94% | -68.9% | -46.28% | -4.81% | 4.23% | 40.53% | 142.85% | 147.19% |
| Pretax Income | 90.31M | 97.3M | 100.34M | 78.9M | 11.89M | 35.86M | 46.02M | 77.12M | 65.38M | 83.89M | 110.23M | 68.34M | 68.28M | 35.85M | 81.81M | 77.55M | 96.09M | 115.25M | 152.31M | 81.47M |
| Pretax Margin % | 24.41% | 25.1% | 25.62% | 22.06% | 4.97% | 10.88% | 13.51% | 21.12% | 18.52% | 23.01% | 27.97% | 19.74% | 22.39% | 12.6% | 36.04% | 37.08% | 46.68% | 49.88% | 56.74% | 45.33% |
| Income Tax | 20.65M | 22.81M | 24.6M | 17.96M | -1.02M | 8.95M | -725K | 19.03M | 15.65M | 21.8M | 23.47M | 20.77M | 14.56M | 7.14M | 17.9M | 18.9M | 19.33M | 12.99M | 2.31M | 20.12M |
| Effective Tax Rate % | 22.87% | 23.44% | 24.51% | 22.77% | -8.61% | 24.95% | -1.58% | 24.68% | 23.94% | 25.98% | 21.29% | 30.39% | 21.33% | 19.91% | 21.88% | 24.37% | 20.12% | 11.27% | 1.52% | 24.7% |
| Net Income | 69.65M | 74.49M | 75.75M | 60.94M | 12.91M | 26.91M | 46.74M | 54.3M | 49.73M | 62.09M | 86.76M | 47.57M | 53.72M | 28.71M | 63.91M | 58.65M | 76.76M | 100.67M | 149.99M | 61.34M |
| Net Margin % | 18.83% | 19.21% | 19.34% | 17.04% | 5.4% | 8.17% | 13.72% | 14.87% | 14.09% | 17.03% | 22.01% | 13.74% | 17.62% | 10.09% | 28.15% | 28.05% | 37.29% | 43.57% | 55.88% | 34.13% |
| Net Income Growth % | 439.44% | 176.77% | 62.05% | 12.23% | -74.03% | -56.65% | -46.12% | 14.14% | -7.44% | 116.27% | 35.74% | -18.88% | -30.02% | -71.48% | -57.39% | -4.39% | 109.76% | 78.98% | 215% | 186.71% |
| Net Income (Continuing) | 69.65M | 74.49M | 75.75M | 60.94M | 12.91M | 26.91M | 46.74M | 58.09M | 49.73M | 62.09M | 86.76M | 47.57M | 53.72M | 28.71M | 63.91M | 58.65M | 76.76M | 102.25M | 149.99M | 61.34M |
| EPS (Diluted) | 1.97 | 1.98 | 2.20 | 1.73 | 0.29 | 0.71 | 1.31 | 1.66 | 1.40 | 1.91 | 2.70 | 1.51 | 1.66 | -3.30 | 1.85 | 3.81 | 2.24 | 2.83 | 4.43 | 1.82 |
| EPS Growth % | 579.31% | 178.87% | 67.94% | 4.22% | -79.29% | -62.83% | -51.48% | 9.93% | -15.66% | 157.88% | 45.95% | -60.37% | -25.89% | -216.61% | -58.24% | 109.34% | 3.23% | 63.58% | 195.33% | 167.65% |
| EPS (Basic) | 2.04 | 2.05 | 2.28 | 1.77 | 0.30 | 0.74 | 1.36 | 1.72 | 1.46 | 1.98 | 2.77 | 1.52 | 1.69 | -3.37 | 1.85 | 3.91 | 2.33 | 2.98 | 4.62 | 1.90 |
| Diluted Shares Outstanding | 35.4M | 35.4M | 33.46M | 32.37M | 32.49M | 32.77M | 32.77M | 32.7M | 32.85M | 32.52M | 32.17M | 31.59M | 32.34M | 33.08M | 33.23M | 33.58M | 34.33M | 34.32M | 33.87M | 33.74M |