Customers Bancorp, Inc. (CUBI) Earnings History
Annual and quarterly earnings data from 2009 to 2025
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CUBI EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
CUBI Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 51.6% | 22.0% | 15.8% |
| 2024 | 45.1% | 16.5% | 13.3% |
| 2023 | 46.9% | 23.3% | 17.6% |
| 2022 | 64.1% | 32.5% | 25.5% |
| 2021 | 85.4% | 52.2% | 37.3% |
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Customers Bancorp, Inc. (CUBI) Earnings Overview
As of May 8, 2026, Customers Bancorp, Inc. (CUBI) reported trailing twelve-month net income of $224M, reflecting +21.8% year-over-year growth. The company earned $6.33 per diluted share over the past four quarters, with a net profit margin of 15.8%.
Looking at the long-term picture, CUBI's 5-year EPS compound annual growth rate (CAGR) stands at +8.8%, showing solid earnings momentum. The company achieved its highest annual net income of $315M in fiscal 2021.
Customers Bancorp, Inc. maintains industry-leading profitability with a gross margin of 51.6%, operating margin of 22.0%, and net margin of 15.8%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including WSFS ($287M net income, 21.1% margin), TBBK ($228M net income, 33.1% margin), FFBC ($256M net income, 20.3% margin), CUBI has room to improve margins relative to the peer group. Compare CUBI vs WSFS →
CUBI Earnings vs Peers
Earnings metrics vs comparable public companies
CUBI Historical Earnings Data (2009–2025)
17 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $224M | +23.5% | $311M | $6.20 | 15.8% | 22.0% |
| 2024 | $181M | -27.5% | $224M | $5.09 | 13.3% | 16.5% |
| 2023 | $250M | +9.7% | $331M | $7.32 | 17.6% | 23.3% |
| 2022 | $228M | -27.5% | $291M | $6.51 | 25.5% | 32.5% |
| 2021 | $315M | +137.3% | $441M | $10.08 | 37.3% | 52.2% |
| 2020 | $133M | +67.1% | $190M | $4.07 | 22.1% | 31.6% |
| 2019 | $79M | +10.6% | $108M | $2.05 | 16.0% | 21.7% |
| 2018 | $72M | -9.1% | $91M | $1.78 | 15.1% | 19.2% |
| 2017 | $79M | +0.2% | $124M | $1.97 | 17.5% | 27.6% |
| 2016 | $79M | +34.3% | $125M | $2.31 | 20.9% | 33.1% |
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Start ComparisonCUBI — Frequently Asked Questions
Quick answers to the most common questions about buying CUBI stock.
Is CUBI growing earnings?
CUBI EPS is $6.33, with earnings growth accelerating to +21.8%. This exceeds the 5-year CAGR of +8.8%. TTM net income reached $224M.
What are CUBI's profit margins?
Customers Bancorp, Inc. net margin is +15.8%, with operating margin at +22.0%. Above-average margins indicate pricing power.
How consistent are CUBI's earnings?
CUBI earnings data spans 2009-2025. The accelerating earnings trend is +21.8% YoY. Historical data enables comparison across business cycles.