Customers Bancorp, Inc. (CUBI) Financial Ratios
17 years of historical data (2009–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
11.97
↑+54% vs avg
5yr avg: 7.75
30Y Low5.0·High28.8
P/FCF
↓
5.33
↓-62% vs avg
5yr avg: 14.20
30Y Low0.7·High26.7
P/B Ratio
↓
1.27
+16% vs avg
5yr avg: 1.10
30Y Low0.5·High1.6
ROE
↓
11.3%
↑-29% vs avg
5yr avg: 16.0%
30Y Low-62%·High37%
Debt/EBITDA
↑
4.85
+18% vs avg
5yr avg: 4.10
30Y Low0.4·High46.7
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
CUBI Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Customers Bancorp, Inc. trades at 12.3x earnings, 53% above its 5-year average of 8.0x, sitting at the 64th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a discount of 10%. On a free-cash-flow basis, the stock trades at 5.3x P/FCF, 62% below the 5-year average of 14.2x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $2.6B | $2.6B | $1.6B | $1.9B | $951M | $2.2B | $577M | $753M | $587M | $847M | $1.1B |
| Enterprise Value | $4.2B | $4.2B | $-783241080 | $-484067420 | $1.6B | $2.9B | $1.3B | $2.2B | $2.2B | $2.8B | $2.6B |
| P/E Ratio → | 12.29 | 11.79 | 9.56 | 7.87 | 4.35 | 6.49 | 4.47 | 11.61 | 10.22 | 13.19 | 15.51 |
| P/S Ratio | 1.81 | 1.83 | 1.17 | 1.30 | 1.06 | 2.61 | 0.96 | 1.52 | 1.24 | 1.89 | 2.85 |
| P/B Ratio | 1.27 | 1.22 | 0.87 | 1.13 | 0.68 | 1.61 | 0.52 | 0.72 | 0.61 | 0.92 | 1.26 |
| P/FCF | 5.33 | 5.38 | 19.94 | 22.22 | — | 9.25 | 4.68 | 26.71 | 10.29 | 22.39 | 12.50 |
| P/OCF | 5.19 | 5.23 | 10.98 | 14.86 | — | 8.12 | 3.79 | 9.63 | 6.02 | 13.62 | 11.76 |
P/E links to full P/E history page with 30-year chart
CUBI EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Customers Bancorp, Inc.'s enterprise value stands at 12.0x EBITDA, 54% above its 5-year average of 7.7x. This is roughly in line with the Financial Services sector median of 11.4x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.99 | -0.58 | -0.34 | 1.79 | 3.39 | 2.15 | 4.50 | 4.62 | 6.15 | 7.02 |
| EV / EBITDA | 11.97 | 12.04 | -3.04 | -1.34 | 5.03 | 6.19 | 6.19 | 18.40 | 20.84 | 20.52 | 20.28 |
| EV / EBIT | 13.55 | 13.62 | -3.49 | -1.46 | 5.49 | 6.49 | 6.79 | 20.73 | 24.08 | 22.30 | 21.24 |
| EV / FCF | — | 8.80 | -9.81 | -5.81 | — | 12.03 | 10.46 | 79.19 | 38.47 | 73.03 | 30.79 |
CUBI Profitability
Margins and return-on-capital ratios measuring operating efficiency
Customers Bancorp, Inc. earns an operating margin of 22.0%, roughly in line with the Financial Services sector average. Operating margins have compressed from 23.3% to 22.0% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 11.3% is modest. ROIC of 6.6% represents adequate returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 51.6% | 51.6% | 45.1% | 46.9% | 64.1% | 85.4% | 66.3% | 57.5% | 65.1% | 75.0% | 79.8% |
| Operating Margin | 22.0% | 22.0% | 16.5% | 23.3% | 32.5% | 52.2% | 31.6% | 21.7% | 19.2% | 27.6% | 33.1% |
| Net Profit Margin | 15.8% | 15.8% | 13.3% | 17.6% | 25.5% | 37.3% | 22.1% | 16.0% | 15.1% | 17.5% | 20.9% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 11.3% | 11.3% | 10.4% | 16.4% | 16.5% | 25.3% | 12.2% | 7.9% | 7.6% | 8.9% | 11.2% |
| ROA | 0.9% | 0.9% | 0.8% | 1.2% | 1.1% | 1.7% | 0.9% | 0.7% | 0.7% | 0.8% | 0.9% |
| ROIC | 6.6% | 6.6% | 5.3% | 8.8% | 8.6% | 13.1% | 5.4% | 3.0% | 2.4% | 3.3% | 3.6% |
| ROCE | 5.0% | 5.0% | 6.6% | 11.8% | 14.6% | 11.5% | 5.2% | 5.7% | 3.5% | 6.1% | 10.0% |
CUBI Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Customers Bancorp, Inc. carries a Debt/EBITDA ratio of 4.9x, which is highly leveraged (14% above the sector average of 4.3x). Net debt stands at $1.6B ($1.7B total debt minus $62M cash). Interest coverage of just 0.5x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.81 | 0.81 | 0.77 | 0.92 | 0.79 | 0.86 | 1.26 | 1.61 | 1.74 | 2.24 | 2.15 |
| Debt / EBITDA | 4.85 | 4.85 | 5.47 | 4.16 | 3.47 | 2.55 | 6.75 | 13.95 | 15.85 | 15.31 | 14.07 |
| Net Debt / Equity | — | 0.78 | -1.29 | -1.43 | 0.46 | 0.48 | 0.64 | 1.41 | 1.68 | 2.08 | 1.84 |
| Net Debt / EBITDA | 4.67 | 4.67 | -9.21 | -6.45 | 2.04 | 1.43 | 3.42 | 12.19 | 15.26 | 14.23 | 12.05 |
| Debt / FCF | — | 3.42 | -29.75 | -28.03 | — | 2.78 | 5.78 | 52.47 | 28.18 | 50.64 | 18.28 |
| Interest Coverage | 0.51 | 0.51 | 0.33 | 0.49 | 1.11 | 4.61 | 1.36 | 0.58 | 0.57 | 1.17 | 1.71 |
CUBI Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.01x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 0.37x to 0.01x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.01 | 0.01 | 0.32 | 0.37 | 0.19 | 0.25 | 0.16 | 0.08 | 0.10 | 0.09 | 0.10 |
| Quick Ratio | 0.01 | 0.01 | 0.32 | 0.37 | 0.19 | 0.25 | 0.16 | 0.08 | 0.10 | 0.09 | 0.10 |
| Cash Ratio | 0.00 | 0.00 | 0.20 | 0.21 | 0.02 | 0.03 | 0.06 | 0.02 | 0.01 | 0.02 | 0.03 |
| Asset Turnover | — | 0.06 | 0.06 | 0.07 | 0.04 | 0.04 | 0.03 | 0.04 | 0.05 | 0.05 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
CUBI Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Customers Bancorp, Inc. returns 6.2% to shareholders annually — split between a 0.4% dividend yield and 5.8% buyback yield. The earnings yield of 8.1% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 0.4% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 8.1% | 8.5% | 10.5% | 12.7% | 23.0% | 15.4% | 22.4% | 8.6% | 9.8% | 7.6% | 6.4% |
| FCF Yield | 18.7% | 18.6% | 5.0% | 4.5% | — | 10.8% | 21.4% | 3.7% | 9.7% | 4.5% | 8.0% |
| Buyback Yield | 5.8% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 6.2% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $35M | $33M | $32M | $34M | $34M | $32M | $32M | $32M | $33M | $30M |
Peer Comparison
Compare CUBI with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 CUBIYou | $3B | 12.3 | 12.0 | 5.3 | 51.6% | 22.0% | 11.3% | 6.6% | 4.9 |
 WSFS | $4B | 14.8 | 7.2 | 18.5 | 74.7% | 28.0% | 10.8% | 9.5% | 0.7 |
 TBBK | $2B | 11.6 | 9.3 | 9.3 | 74.3% | 43.9% | 30.8% | 22.4% | 1.4 |
 FFBC | $3B | 12.0 | 12.7 | 10.5 | 68.4% | 25.5% | 9.8% | 6.4% | 3.5 |
 INDB | $4B | 18.3 | 15.3 | 16.8 | 67.9% | 22.9% | 6.3% | 4.9% | 2.9 |
 CATY | $4B | 13.2 | 9.5 | 11.0 | 55.1% | 29.4% | 10.9% | 9.8% | 0.5 |
 NBTB | $2B | 14.2 | 10.8 | 11.3 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 PFIS | $628M | 10.7 | 11.5 | 14.5 | 66.6% | 25.7% | 12.0% | 7.7% | 3.6 |
 AMSF | $590M | 12.7 | 8.9 | 66.1 | 46.4% | 18.6% | 18.5% | 21.9% | 0.0 |
 FXNC | $265M | 15.0 | 6.7 | 12.6 | 74.0% | 19.6% | 10.0% | 7.7% | 1.9 |
 MBIN | $2B | 13.1 | 22.8 | — | 41.3% | 19.3% | 9.7% | 3.1% | 14.4 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 17 years · Updated daily
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CUBI — Frequently Asked Questions
Quick answers to the most common questions about buying CUBI stock.
What is Customers Bancorp, Inc.'s P/E ratio?
Customers Bancorp, Inc.'s current P/E ratio is 12.3x. The historical average is 10.4x. This places it at the 64th percentile of its historical range.
What is Customers Bancorp, Inc.'s EV/EBITDA?
Customers Bancorp, Inc.'s current EV/EBITDA is 12.0x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 16.4x.
What is Customers Bancorp, Inc.'s ROE?
Customers Bancorp, Inc.'s return on equity (ROE) is 11.3%. The historical average is 8.9%.
Is CUBI stock overvalued?
Based on historical data, Customers Bancorp, Inc. is trading at a P/E of 12.3x. This is at the 64th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Customers Bancorp, Inc.'s dividend yield?
Customers Bancorp, Inc.'s current dividend yield is 0.40%.
What are Customers Bancorp, Inc.'s profit margins?
Customers Bancorp, Inc. has 51.6% gross margin and 22.0% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Customers Bancorp, Inc. have?
Customers Bancorp, Inc.'s Debt/EBITDA ratio is 4.9x, indicating high leverage. A ratio above 4x may signal elevated financial risk.