Customers Bancorp, Inc. (CUBI) quarterly income statement — complete revenue, gross profit & net income history
| Metric | 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 | Q1'21 |
|---|
| Net Interest Income | 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 | 132.73M |
| NII Growth % | 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% | 63.22% |
| Net Interest Margin % | 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% | 0.71% |
| Interest Income | 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 | 161.12M |
| Interest Expense | 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 | 28.38M |
| Loan Loss Provision | 0 | 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 | -2.92M |
| Non-Interest Income | 32.52M | 26.02M | 25.55M | -29.12M | -16.41M | 4.78M | 27.52M | 17.2M | 14.89M | 13.92M | 11.22M | 13.46M | -5.35M | -12.87M | 8.4M | 18.83M | 6M | 14.91M | 17.86M | 18.29M |
| Non-Interest Income % | 8.39% | 6.72% | 7.23% | -10.19% | -5.23% | 1.42% | 7.61% | 4.93% | 4.13% | 3.57% | 3.29% | 4.1% | -2.02% | -5.77% | 4.11% | 9.31% | 2.73% | 5.78% | 9.88% | 10.2% |
| Total Revenue | 387.71M | 387.5M | 353.55M | 285.79M | 313.5M | 336.89M | 361.56M | 348.98M | 360.81M | 390.26M | 341.38M | 328.4M | 264.3M | 223.05M | 204.74M | 202.3M | 220.04M | 257.76M | 180.74M | 179.41M |
| Revenue Growth % | 23.67% | 15.02% | -2.21% | -18.11% | -13.11% | -13.67% | 5.91% | 6.26% | 36.52% | 74.97% | 66.74% | 62.33% | 20.11% | -13.47% | 13.28% | 12.76% | 24.5% | 57.49% | 33.76% | 31.78% |
| Non-Interest Expense | 117.31M | 101.05M | 102.57M | 98.14M | 94.36M | 100.24M | 99.94M | 95.14M | 89.99M | 85.61M | 84.52M | 75.47M | 65.73M | 72.35M | 71.86M | 71.44M | 70.56M | 69.33M | 71.86M | 61.75M |
| Efficiency Ratio | 30.26% | 26.08% | 29.01% | 34.34% | 30.1% | 29.75% | 27.64% | 27.26% | 24.94% | 21.94% | 24.76% | 22.98% | 24.87% | 32.44% | 35.1% | 35.31% | 32.07% | 26.9% | 39.76% | 34.42% |
| Operating Income | 119.64M | 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 | 92.19M |
| Operating Margin % | 30.86% | 25.89% | 22.32% | 4.16% | 11.44% | 13.66% | 21.33% | 18.73% | 23.25% | 28.24% | 20.02% | 20.79% | 13.56% | 36.68% | 37.88% | 47.5% | 52.38% | 59.09% | 45.07% | 51.39% |
| Operating Income Growth % | 233.61% | 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% | 46.87% | 141.51% | 147.19% | 686.08% |
| Pretax Income | 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 | 92.19M |
| Pretax Margin % | 25.1% | 25.89% | 22.32% | 4.16% | 11.44% | 13.66% | 21.33% | 18.73% | 23.25% | 28.24% | 20.02% | 20.79% | 13.56% | 36.68% | 37.88% | 47.5% | 52.38% | 59.09% | 45.07% | 51.39% |
| Income Tax | 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 | 36.26M | 20.12M | 17.56M |
| Effective Tax Rate % | 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% | 23.81% | 24.7% | 19.05% |
| Net Income | 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 | 100.67M | 116.04M | 61.34M | 36.59M |
| Net Margin % | 19.21% | 19.55% | 17.24% | 4.52% | 8.59% | 13.87% | 16.07% | 14.25% | 17.21% | 22.23% | 13.94% | 16.36% | 10.86% | 28.65% | 28.65% | 37.94% | 45.75% | 45.02% | 33.94% | 20.4% |
| Net Income Growth % | 176.77% | 62.05% | 4.91% | -74.03% | -56.65% | -46.12% | 22.09% | -7.44% | 116.27% | 35.74% | -18.88% | -30.02% | -71.48% | -44.92% | -4.39% | 109.76% | 78.98% | 129.72% | 170.01% | 1080.48% |
| Net Income (Continuing) | 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 | 116.04M | 61.34M | 74.63M |
| EPS (Diluted) | 1.98 | 2.20 | 1.73 | 0.29 | 0.71 | 1.31 | 1.66 | 1.40 | 1.79 | 2.58 | 1.39 | 1.55 | 0.77 | 1.85 | 1.68 | 2.18 | 2.87 | 3.25 | 1.72 | 1.01 |
| EPS Growth % | 178.87% | 67.94% | 4.22% | -79.29% | -60.34% | -49.22% | 19.42% | -9.68% | 132.47% | 39.46% | -17.26% | -28.9% | -73.17% | -43.08% | -2.33% | 115.84% | 73.94% | 119.59% | 181.97% | 359.09% |
| EPS (Basic) | 2.05 | 2.28 | 1.77 | 0.30 | 0.74 | 1.36 | 1.72 | 1.46 | 1.86 | 2.65 | 1.41 | 1.58 | 0.79 | 1.89 | 1.73 | 2.27 | 3.02 | 3.40 | 1.80 | 1.04 |
| Diluted Shares Outstanding | 35.4M | 33.46M | 32.37M | 32.49M | 32.56M | 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 | 32.84M |