Customers Bancorp, Inc.
Profit after direct costs
Core business profitability
Bottom line profitability
Top line growth rate
Flow of revenue through cost categories to net income
| Item | Trend | 2021 | 2022 | 2023 | 2024 | 2025 | YoY Change |
|---|---|---|---|---|---|---|---|
Total Revenue | 844.61M | 895.10M | 1.42B | 1.36B | 1.41B | 3.9% | |
| Cost of Revenue | (123.24M) | (321.72M) | (754.52M) | (746.88M) | (684.72M) | -8.3% | |
Gross Profit | 721.38M | 573.38M | 666.33M | 614.05M | 729.84M | 18.9% | |
| Operating Expenses | |||||||
| Research & Development | — | — | — | — | — | — | |
| Selling, General & Administrative | (119.78M) | (123.78M) | (171.41M) | (222.01M) | (223.59M) | 0.7% | |
| General & Administrative | (118.26M) | (121.23M) | (168.31M) | (217.52M) | (221.15M) | 1.7% | |
| Selling & Marketing | (1.52M) | (2.54M) | (3.10M) | (4.49M) | (2.44M) | -45.7% | |
| Depreciation & Amortization | (21.67M) | (27.16M) | (31.81M) | (33.55M) | (40.85M) | 21.7% | |
Operating Income (EBIT) | 441.21M | 291.30M | 330.74M | 224.37M | 310.77M | 38.5% | |
| Non-Operating Items | |||||||
| Interest Income | 780.88M | 885.37M | 1.37B | 1.33B | 1.36B | 2.4% | |
| Interest Expense | (95.81M) | (261.65M) | (679.91M) | (673.43M) | (609.10M) | -9.6% | |
| Other Income/Expenses (Net) | — | — | — | — | -22.34M | — | |
Income Before Tax | 441.21M | 291.30M | 330.74M | 224.37M | 288.43M | 28.5% | |
| Income Tax Expense | (86.94M) | (63.26M) | (80.60M) | (42.90M) | (64.34M) | 50.0% | |
Net Income | 314.65M | 228.03M | 250.14M | 181.47M | 224.09M | 23.5% | |
| Per Share Metrics | |||||||
| Earnings Per Share (Basic) | $11 | $7 | $7 | $5 | $6 | 21.2% | |
| Weighted Avg Shares Outstanding | 32.31M | 32.63M | 31.44M | 31.51M | 34.19M | 8.5% | |
| Weighted Avg Shares Outstanding (Diluted) | 33.70M | 33.55M | 32.16M | 32.72M | 35.40M | 8.2% | |
EBITDA | 462.88M | 318.45M | 362.55M | 257.93M | 351.62M | 36.3% |
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Mid Cap