Last 48 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q2 '26 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 12.39 | 9.65 | 8.81 | 9.23 | 7.43 | 8.49 | 43.28 | 17.14 | 8.86 | 7.23 | 9.48 | 8.05 | 3.34 | 5.44 | 2.99 | 9.20 | 3.98 | 5.04 | 5.98 | 5.69 | 3.31 |
| — | +13.6% | -79.6% | -46.1% | -16.2% | +17.5% | +356.7% | +113.0% | +165.5% | +32.8% | +217.2% | -12.5% | -16.2% | +7.9% | -50.0% | +61.6% | +20.4% | -11.0% | -24.1% | +106.7% | +74.9% | |
| P/S Ratio | 3.23 | 3.57 | 2.72 | 2.73 | 2.40 | 2.35 | 2.95 | 2.62 | 2.33 | 2.01 | 2.45 | 2.50 | 1.30 | 1.35 | 0.92 | 1.81 | 1.68 | 1.64 | 2.44 | 2.81 | 1.55 |
| — | +51.9% | -7.9% | +4.4% | +3.0% | +17.0% | +20.1% | +4.7% | +79.7% | +48.4% | +167.7% | +38.5% | -22.6% | -17.6% | -62.4% | -35.7% | +8.0% | -21.8% | +40.9% | +183.5% | +129.5% | |
| P/B Ratio | 1.29 | 1.25 | 1.14 | 1.22 | 1.03 | 1.02 | 0.87 | 0.86 | 0.84 | 0.90 | 1.03 | 1.14 | 0.71 | 0.66 | 0.42 | 0.67 | 0.71 | 0.84 | 1.30 | 1.64 | 1.13 |
| — | +22.7% | +30.7% | +41.8% | +21.8% | +13.6% | -15.1% | -24.6% | +19.0% | +36.9% | +144.5% | +71.2% | +0.5% | -22.0% | -67.6% | -59.3% | -37.7% | -20.0% | +47.8% | +215.7% | +235.6% | |
| P/FCF | 7.79 | 6.51 | 17.47 | 10.13 | 9.52 | 3.43 | 5.29 | 3.94 | 30.58 | — | — | — | 2.04 | 2.67 | 9.77 | — | 4.83 | 12.26 | 3.93 | 156.28 | — |
| — | +89.8% | +230.1% | +156.9% | -68.9% | — | — | — | +1397.7% | — | — | — | -57.7% | -78.2% | +148.3% | — | — | +217.4% | +159.7% | +4887.2% | — | |
| EV / EBITDA | 12.06 | 18.50 | 10.20 | 8.06 | -1.27 | -0.34 | -3.47 | -4.40 | -0.75 | -0.46 | -1.55 | -1.27 | -1.01 | 0.49 | 2.95 | 9.23 | 4.93 | 7.67 | 6.41 | 6.02 | 1.28 |
| — | +5473.8% | +393.6% | +283.2% | -69.8% | +25.7% | -124.1% | -247.6% | +25.7% | -194.8% | -152.5% | -113.7% | -120.5% | -93.6% | -54.0% | +53.4% | +284.3% | +123.9% | +22.0% | +60.9% | -82.8% | |
| EV / EBIT | 13.65 | 14.10 | 11.81 | 8.84 | -1.30 | -0.40 | -8.04 | -5.51 | -0.91 | -0.50 | -1.75 | -1.38 | -1.08 | 0.54 | 3.33 | 11.07 | 5.33 | 8.39 | 6.82 | 6.30 | 1.33 |
| — | +3668.7% | +246.8% | +260.4% | -42.8% | +21.4% | -360.8% | -299.6% | +15.8% | -192.3% | -152.4% | -112.5% | -120.2% | -93.5% | -51.1% | +75.6% | +301.3% | +129.7% | +22.6% | +53.0% | -82.0% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q2 '26 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 90.6% | 100.0% | 89.6% | 100.0% | 88.4% | 89.7% | 79.5% | 86.0% | 89.6% | 90.7% | 90.4% | 92.8% | 91.6% | 86.6% | 88.0% | 78.3% | 105.5% | 86.2% | 91.3% | 93.0% | 94.4% |
| — | +11.5% | +12.7% | +16.3% | -1.3% | -1.1% | -12.0% | -7.3% | -2.3% | +4.7% | +2.7% | +18.6% | -13.1% | +0.4% | -3.6% | -15.9% | +11.7% | -11.9% | -10.4% | -8.8% | +4.7% | |
| Operating Margin | 38.6% | 28.7% | 40.0% | 50.5% | 44.0% | 39.0% | 8.6% | 23.7% | 28.2% | 39.5% | 36.8% | 44.8% | 51.6% | 38.7% | 41.8% | 27.6% | 56.0% | 44.8% | 52.4% | 57.7% | 64.9% |
| — | -26.5% | +365.6% | +113.2% | +56.2% | -1.3% | -76.7% | -47.1% | -45.4% | +2.0% | -11.9% | +62.1% | -7.8% | -13.5% | -20.2% | -52.1% | -13.7% | -14.0% | -14.2% | +7.8% | +35.2% | |
| Net Margin | 27.8% | 37.0% | 30.9% | 31.4% | 33.2% | 30.1% | 9.3% | 17.8% | 28.6% | 29.8% | 28.0% | 33.1% | 40.6% | 27.0% | 32.9% | 22.1% | 43.7% | 33.9% | 41.8% | 50.4% | 49.4% |
| — | +22.8% | +230.7% | +76.9% | +16.1% | +1.2% | -66.7% | -46.4% | -29.5% | +10.4% | -14.9% | +49.8% | -7.2% | -20.4% | -21.4% | -56.1% | -11.5% | -13.6% | +72.6% | +31.4% | +28.6% |
| Metric | TTM | Q2 '26 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 11.3% | 3.3% | 3.3% | 3.5% | 3.8% | 3.3% | 0.7% | 1.5% | 2.6% | 3.4% | 3.0% | 3.9% | 5.7% | 3.3% | 3.8% | 2.1% | 4.7% | 4.3% | 5.6% | 7.6% | 9.2% |
| — | +0.6% | +368.7% | +137.4% | +44.1% | -3.2% | -76.6% | -61.9% | -54.2% | +2.2% | -21.5% | +88.5% | +23.2% | -23.0% | -32.0% | -72.9% | -49.0% | -14.6% | +76.3% | +46.4% | +86.6% | |
| ROA | 0.9% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.1% | 0.1% | 0.2% | 0.3% | 0.2% | 0.3% | 0.4% | 0.2% | 0.3% | 0.1% | 0.3% | 0.3% | 0.4% | 0.5% | 0.6% |
| — | +0.8% | +375.6% | +146.4% | +46.8% | -1.3% | -75.2% | -57.2% | -44.2% | +26.4% | -7.5% | +106.6% | +25.6% | -27.0% | -36.4% | -73.3% | -47.5% | -6.7% | +101.8% | +72.2% | +117.5% | |
| ROIC | 6.6% | 1.0% | 1.7% | 2.4% | 2.2% | 1.8% | 0.3% | 0.8% | 1.1% | 1.8% | 1.5% | 1.9% | 2.3% | 1.4% | 1.6% | 1.1% | 2.2% | 2.1% | 2.9% | 4.1% | 7.0% |
| — | -46.1% | +530.2% | +189.7% | +96.9% | -3.2% | -82.3% | -56.6% | -52.1% | +36.6% | -5.1% | +81.1% | +5.2% | -35.5% | -43.2% | -74.0% | -69.0% | -26.8% | +8.4% | +87.6% | +275.8% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q2 '26 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.81 | 1.07 | 0.89 | 0.81 | 0.69 | 0.79 | 0.76 | 0.77 | 0.78 | 0.76 | 0.89 | 0.92 | 1.18 | 1.61 | 1.66 | 0.79 | 0.84 | 1.26 | 0.80 | 0.86 | 0.32 |
| — | +35.5% | +16.9% | +5.0% | -10.5% | +4.5% | -14.5% | -16.7% | -33.9% | -53.0% | -46.5% | +16.9% | +39.3% | +27.6% | +106.8% | -8.7% | +167.8% | +416.9% | -37.3% | -31.4% | -81.9% | |
| Debt / EBITDA | 4.85 | 34.76 | 18.20 | 12.99 | 14.45 | 16.31 | 51.41 | 31.36 | 25.08 | 15.85 | 20.39 | 16.50 | 15.57 | 30.86 | 30.57 | 25.72 | 13.22 | 20.16 | 10.82 | 9.77 | 2.57 |
| — | +113.1% | -64.6% | -58.6% | -42.4% | +2.9% | +152.1% | +90.1% | +61.1% | -48.6% | -33.3% | -35.9% | +17.8% | +53.1% | +182.6% | +163.2% | +415.5% | +472.9% | -30.6% | -39.9% | -91.3% | |
| Current Ratio | 0.01 | 1.82 | 2.77 | 0.01 | 0.24 | 0.22 | 0.23 | 0.32 | 0.31 | 0.32 | 0.36 | 0.37 | 0.34 | 0.33 | 0.28 | 0.19 | 0.03 | 0.02 | 0.02 | 0.25 | 0.17 |
| — | +709.1% | +1130.0% | -96.7% | -22.9% | -30.0% | -37.0% | -11.8% | -9.2% | -4.1% | +26.1% | +92.2% | +1114.6% | +1661.3% | +1235.0% | -23.3% | -83.7% | -86.8% | -85.4% | +57.4% | +42.4% | |
| Quick Ratio | 0.01 | 1.82 | 2.77 | 0.01 | 0.24 | 0.22 | 0.23 | 0.32 | 0.31 | 0.32 | 0.36 | 0.37 | 0.34 | 0.33 | 0.28 | 0.19 | 0.03 | 0.02 | 0.02 | 0.25 | 0.17 |
| — | +709.1% | +1130.0% | -96.7% | -22.9% | -30.0% | -37.0% | -11.8% | -9.2% | -4.1% | +26.1% | +92.2% | +1114.6% | +1661.3% | +1235.0% | -23.3% | -83.7% | -86.8% | -85.4% | +57.4% | +42.4% | |
| Interest Coverage | 0.51 | 0.59 | 0.62 | 0.79 | 0.63 | 0.52 | 0.08 | 0.22 | 0.27 | 0.46 | 0.38 | 0.48 | 0.62 | 0.41 | 0.41 | 0.27 | 1.06 | 2.46 | 5.12 | 5.67 | 6.63 |
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Includes 30+ ratios · 48 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 12.4x. The average P/E over the last 4 quarters is 8.8x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Customers Bancorp, Inc.'s current operating margin is 38.6%. Margins have been compressing 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.