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Customers Bancorp, Inc. — Key Metrics

2 years of history · ending 2025-12-31 · SEC EDGAR

Income StatementCash FlowBalance SheetKey Metrics

Per Share Metrics

Expense Ratios

Working Capital Analysis

Valuation Multiples

Cash-Flow Multiples

Enterprise Value Multiples

52-Week Range

Trailing Returns

Yields

Capital Deployment Yields

Earnings Quality (OCF/NI · FCF/NI · Sloan Accruals)

EPS (Diluted)
$7
Book Value Per Share
$63
Free Cash Flow Per Share
$14
Cash Per Share
$132
Revenue Per Share
$41
OCF Per Share
$15
Return on Equity
11.3%
Return on Assets
0.9%
Debt to Equity
—
Asset Turnover
0.06
SBC / Revenue
1.4%
Capex / Revenue
1.0%
Invested Capital
$2.12B
OCF / Net Income
2.21
FCF / Net Income
2.15
Accruals Ratio (Sloan)
-1.1%
Net Debt
$-4.41B
Cash Coverage
—
Capex Coverage
36.01
Tangible Common Equity
$2.12B
TCE / Total Assets
8.5%
Goodwill / Total Assets
—
Cash ROIC
24.3%
Total Payout Ratio
2.5%
Asset Growth vs Revenue Growth
9.2%
Revenue 5Y CAGR
20.1%
EPS 5Y CAGR
11.1%
FCF 5Y CAGR
30.2%
Book Value 5Y CAGR
13.6%
Stock Price (FY-end)
$73
Market Cap
$2.45B
P/E Ratio
10.91
P/S Ratio
1.80
P/B Ratio
1.16
P/TB Ratio
1.16
P/OCF Ratio
4.94
P/FCF Ratio
5.08
Enterprise Value
$-1.97B
EV / Sales
-1.45
EV / FCF
-4.09
FCF Yield
19.7%
Shareholder Yield
-0.5%
Buyback Yield
0.2%
Capex Yield
0.6%
Graham Number
$98
Shares Variation (YoY)
-7.1%
Beta (5Y)
1.55
Cost of Equity
12.3%
Cost of Debt (after tax)
—
WACC
—
52W High
$78
52W Low
$43
Trailing Return 1Y
51.4%
Trailing Return 5Y
308.9%

Earnings Forecasts

Per-quarter consensus estimates + actuals + beat/miss surprise. Sourced from Finnhub (Wall Street consensus aggregation).

Source caveat: Finnhub free tier returns the consensus mean only — analyst high / low / dispersion + analyst counts require a paid plan. A "$5.00 consensus" line above could mean "20 analysts at exactly $5" (high conviction) or "10 at $5.50, 10 at $4.50" (split). Treat single-line consensus accordingly.

EPS — Consensus vs Actual

Revenue — Consensus vs Actual

Beat / Miss vs Estimate

Stock Price on Earnings Dates

Customers Bancorp, Inc. — Effective Tax Rate ReconciliationNEW

Bridges from the federal statutory rate (21% post-TCJA) to the effective tax rate via the issuer's tax-note reconciliation lines. Sourced from EffectiveIncomeTaxRateReconciliation* flat CompanyFacts concepts. Conditional lines (R&D credits, FDII, SBC, valuation allowance, etc.) only render when the issuer discloses them. Persistent divergence between accrual tax expense and cash taxes paid is a leading signal for deferred-tax buildup.

Effective Rate Trend

Reconciliation LineFY2020FY2021FY2022FY2023FY2024FY2025
Federal Statutory Rate21.00%21.00%21.00%21.00%21.00%21.00%
State & Local Income Taxes4.86%3.82%3.15%5.11%4.75%5.41%
Foreign Rate Differential-0.17%—————
Other Adjustments0.28%0.48%0.56%-0.01%-0.09%-0.09%
SBC (Nondeductible)0.10%-1.87%-0.79%-0.21%-0.84%-1.55%
Tax Law Change——————
Effective Tax Rate24.62%19.70%21.72%24.37%19.12%22.31%

Cash vs Accrual

ItemFY2020FY2021FY2022FY2023FY2024FY2025
Income Tax Expense (Accrual)$46.7M$86.9M$63.3M$80.6M$42.9M$64.3M
Income Taxes Paid (Cash)$3.3M$94.1M$80.1M$45.0M$57.6M$36.1M