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Customers Bancorp, Inc. CUBB

NYSE · stock · State Commercial Banks · website · IPO 2013-05-16 · LEI

Customers Bancorp, Inc. statistics & valuation

Market cap$2.7B
P / E12.2×
P / B1.3×
P / FCF5.7×
Return on equity10.6%
Graham number +317.3%$93.35

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($93.35); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
9.20% 8.60% 7.50% 7.50% 11.90% 23.00% 16.30% 15.30% 9.90% 10.60% 2016201720182019202020212022202320242025
Shares outstanding
30.3M 32.6M 32.2M 31.6M 31.7M 33.7M 33.5M 32.2M 32.7M 34.2M 2016201720182019202020212022202320242025
Net debt ($)
-$84.7M -$62.1M $137.5M $3.72B -$518.0M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.80% 0.80% 0.70% 0.70% 0.70% 1.60% 1.10% 1.20% 0.80% 0.90% 2016201720182019202020212022202320242025
Free cash flow margin (%)
685.20% 221.30% 164.30% 320.30% 2016201720182019202020212022202320242025
Debt / equity (×)
0.21× 0.00× 0.33× 3.95× 0.00× 2016201720182019202020212022202320242025
EPS ($)
$2.31 $1.97 $1.78 $2.05 $3.74 $8.91 $6.51 $7.32 $5.09 $6.26 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

Customers Bancorp, Inc. trades at about 3.6× earnings — near its 10-year norm (10-year range 2.8×–12.5×, median 3.6×).

2.8× 12.5×

Shaded band = 10-year range (2.8×–12.5×); dot = today's 3.6×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin—————329.8%169.8%165.8%140.9%—
FCF margin—————320.3%164.3%221.3%685.2%—
Return on assets0.9%0.8%1.2%1.1%1.6%0.7%0.7%0.7%0.8%0.8%
Return on equity10.6%9.9%15.3%16.3%23.0%11.9%7.5%7.5%8.6%9.2%
Debt / equity————0.00×3.95×0.33×0.00×—0.21×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.