Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Customers Bancorp, Inc.'s quarterly P/E stands at 9.2x, down 46.1% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has expanded 283.2% YoY to 8.1x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 12.29 | 9.23 | 7.43 | 8.49 | 43.28 | 17.14 | 8.86 | 7.23 | 9.48 | 8.05 | 3.34 | 5.44 | 2.99 |
| — | -46.1% | -16.2% | +17.5% | +356.7% | +113.0% | +165.5% | +32.8% | +217.2% | -12.5% | -16.2% | +7.9% | -50.0% | |
| P/S Ratio | 1.81 | 1.67 | 1.41 | 1.34 | 1.43 | 1.26 | 1.13 | 1.08 | 1.25 | 1.30 | 0.71 | 0.70 | 0.46 |
| — | +32.1% | +24.9% | +24.0% | +14.2% | -2.7% | +59.1% | +55.0% | +173.9% | +46.4% | -35.3% | -49.6% | -79.4% | |
| P/B Ratio | 1.27 | 1.22 | 1.03 | 1.02 | 0.87 | 0.86 | 0.84 | 0.90 | 1.03 | 1.14 | 0.71 | 0.66 | 0.42 |
| — | +41.8% | +21.8% | +13.6% | -15.1% | -24.6% | +19.0% | +36.9% | +144.5% | +71.2% | +0.5% | -22.0% | -67.6% | |
| P/FCF | 5.33 | 10.13 | 9.52 | 3.43 | 5.29 | 3.94 | 30.58 | — | — | — | 2.13 | 3.12 | 9.77 |
| — | +156.9% | -68.9% | — | — | — | +1338.4% | — | — | — | -56.0% | -74.6% | +148.3% | |
| EV / EBITDA | 11.97 | 8.06 | -1.27 | -0.34 | -3.47 | -4.40 | -0.75 | -0.46 | -1.55 | -1.27 | -1.01 | 0.49 | 2.95 |
| — | +283.2% | -69.8% | +25.7% | -124.1% | -247.6% | +25.7% | -194.8% | -152.5% | -113.7% | -120.5% | -93.6% | -54.0% | |
| EV / EBIT | 13.55 | 8.84 | -1.30 | -0.40 | -8.04 | -5.51 | -0.91 | -0.50 | -1.75 | -1.38 | -1.08 | 0.54 | 3.33 |
| — | +260.4% | -42.8% | +21.4% | -360.8% | -299.6% | +15.8% | -192.3% | -152.4% | -112.5% | -120.2% | -93.5% | -51.1% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Customers Bancorp, Inc.'s operating margin was 30.9% in Q4 2025, up 5.0 pp QoQ and up 19.4 pp YoY. This marks the 4th consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 20.8% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 47.1% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 51.6% | 61.1% | 52.0% | 51.3% | 38.5% | 41.5% | 43.4% | 49.0% | 46.0% | 48.2% | 50.2% | 44.8% | 43.8% |
| — | +47.1% | +19.7% | +4.8% | -16.3% | -13.8% | -13.5% | +9.4% | +5.1% | +25.4% | -27.4% | -38.6% | -47.1% | |
| Operating Margin | 22.0% | 30.9% | 25.9% | 22.3% | 4.2% | 11.4% | 13.7% | 21.3% | 18.7% | 23.3% | 28.2% | 20.0% | 20.8% |
| — | +169.8% | +89.6% | +4.6% | -77.8% | -50.8% | -51.6% | +6.5% | -9.9% | +71.4% | -23.0% | -47.1% | -56.2% | |
| Net Margin | 15.8% | 19.2% | 19.5% | 17.2% | 4.5% | 8.6% | 13.9% | 16.1% | 14.2% | 17.2% | 22.2% | 13.9% | 16.4% |
| — | +123.8% | +40.9% | +7.3% | -68.3% | -50.1% | -37.6% | +15.3% | -12.9% | +58.4% | -22.4% | -51.4% | -56.9% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 11.3% | 3.5% | 3.8% | 3.3% | 0.7% | 1.5% | 2.6% | 3.4% | 3.0% | 3.9% | 5.7% | 3.3% | 3.8% |
| — | +137.4% | +44.1% | -3.2% | -76.6% | -61.9% | -54.2% | +2.2% | -21.5% | +88.5% | +23.2% | -23.0% | -32.0% | |
| ROA | 0.9% | 0.3% | 0.3% | 0.3% | 0.1% | 0.1% | 0.2% | 0.3% | 0.2% | 0.3% | 0.4% | 0.2% | 0.3% |
| — | +146.4% | +46.8% | -1.3% | -75.2% | -57.2% | -44.2% | +26.4% | -7.5% | +106.6% | +25.6% | -27.0% | -36.4% | |
| ROIC | 6.6% | 2.4% | 2.2% | 1.8% | 0.3% | 0.8% | 1.1% | 1.8% | 1.5% | 1.9% | 2.3% | 1.4% | 1.6% |
| — | +189.7% | +96.9% | -3.2% | -82.3% | -56.6% | -52.1% | +36.6% | -5.1% | +81.1% | +5.2% | -35.5% | -43.2% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Customers Bancorp, Inc.'s Debt/EBITDA ratio is 13.0x, down from 14.4x last quarter — elevated, raising questions about debt serviceability. The current ratio has weakened 96.7% YoY to 0.01x, tightening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.81 | 0.81 | 0.69 | 0.79 | 0.76 | 0.77 | 0.78 | 0.76 | 0.89 | 0.92 | 1.18 | 1.61 | 1.66 |
| — | +5.0% | -10.5% | +4.5% | -14.5% | -16.7% | -33.9% | -53.0% | -46.5% | +16.9% | +39.3% | +27.6% | +106.8% | |
| Debt / EBITDA | 4.85 | 12.99 | 14.45 | 16.31 | 51.41 | 31.36 | 25.08 | 15.85 | 20.39 | 16.50 | 15.57 | 30.86 | 30.57 |
| — | -58.6% | -42.4% | +2.9% | +152.1% | +90.1% | +61.1% | -48.6% | -33.3% | -35.9% | +17.8% | +53.1% | +182.6% | |
| Current Ratio | 0.01 | 0.01 | 0.24 | 0.22 | 0.23 | 0.32 | 0.31 | 0.32 | 0.36 | 0.37 | 0.34 | 0.33 | 0.28 |
| — | -96.7% | -22.9% | -30.0% | -37.0% | -11.8% | -9.2% | -4.1% | +26.1% | +92.2% | +1114.6% | +1661.3% | +1235.0% | |
| Quick Ratio | 0.01 | 0.01 | 0.24 | 0.22 | 0.23 | 0.32 | 0.31 | 0.32 | 0.36 | 0.37 | 0.34 | 0.33 | 0.28 |
| — | -96.7% | -22.9% | -30.0% | -37.0% | -11.8% | -9.2% | -4.1% | +26.1% | +92.2% | +1114.6% | +1661.3% | +1235.0% | |
| Interest Coverage | 0.51 | 0.79 | 0.63 | 0.52 | 0.08 | 0.22 | 0.27 | 0.46 | 0.38 | 0.48 | 0.62 | 0.41 | 0.41 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying CUBI stock.
Customers Bancorp, Inc.'s current P/E is 12.3x. The average P/E over the last 4 quarters is 17.1x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Customers Bancorp, Inc.'s current operating margin is 22.0%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Customers Bancorp, Inc.'s business trajectory between earnings reports.