CUBI
VENTE TOTALE: 110 000 titres (~8 809 025,24 $ US)
- Insiders
- Allon Andrea R., SIDHU JAY S
- Total bought
- —
- Total sold
- $8,809,025
- Last activity
- 2026-08-13
- Last synced
-
2026-08-21 23:36:53
Insider holdings as a share of total assets aren't available for this company.
Price (1 year)
Live chart from TradingView - pulls its own market data, independent of this site's database. Symbol resolution is best-effort (defaults to NASDAQ) since we don't store the exchange prefix.
Market snapshot
Signal
Bearish signal Scored 2026-08-09
CUBI's critical liquidity profile (current/quick ratios of 0.01, interest coverage of 0.51) signals severe near-term solvency risk that overwhelms the modest earnings beat and analyst upgrade observed in the catalyst…
The first sentence of the analysis written for CUBI on 2026-08-09 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 51.6% | 45.1% | 46.9% | 64.1% | 85.4% | |
| Ebit Margin | 22.0% | 16.5% | 23.3% | 32.5% | 52.2% | |
| Ebitda Margin | 24.9% | 19.0% | 25.5% | 35.6% | 54.8% | |
| Operating Profit Margin | 22.0% | 16.5% | 23.3% | 32.5% | 52.2% | |
| Pretax Profit Margin | 20.4% | 16.5% | 23.3% | 32.5% | 52.2% | |
| Continuous Operations Profit Margin | 15.8% | 13.3% | 17.6% | 25.5% | 41.9% | |
| Net Profit Margin | 15.8% | 13.3% | 17.6% | 25.5% | 37.3% | |
| Bottom Line Profit Margin | 14.8% | 12.2% | 16.6% | 24.4% | 40.2% | |
| Current Ratio | 0.011 | 0.323 | 0.367 | 0.191 | 0.249 | |
| Quick Ratio | 0.011 | 0.323 | 0.367 | 0.191 | 0.249 | |
| Solvency Ratio | 0.012 | 0.011 | 0.014 | 0.013 | 0.018 | |
| Cash Ratio | 0.004 | 0.200 | 0.215 | 0.024 | 0.029 | |
| Price To Earnings Ratio | 11.425 | 9.220 | 7.693 | 4.236 | 6.220 | |
| Price To Earnings Growth Ratio | 0.539 | -0.312 | 0.643 | -0.117 | 0.040 | |
| Forward Price To Earnings Growth Ratio | 0.539 | -0.312 | 0.643 | -0.117 | 0.040 | |
| Price To Earnings Diluted Ratio | 11.794 | 9.564 | 7.872 | 4.353 | 6.485 | |
| Price To Earnings Diluted Growth Ratio | 0.541 | -0.314 | 0.633 | -0.123 | 0.044 | |
| Price To Book Ratio | 1.182 | 0.835 | 1.106 | 0.659 | 1.546 | |
| Price To Sales Ratio | 1.767 | 1.127 | 1.275 | 1.033 | 2.501 | |
| Price To Free Cash Flow Ratio | 7.491 | 19.204 | 21.722 | -6.893 | 8.867 | |
| Price To Operating Cash Flow Ratio | 5.053 | 10.574 | 14.522 | -44.409 | 7.790 | |
| Debt To Assets Ratio | 0.069 | 0.063 | 0.071 | 0.053 | 0.060 | |
| Debt To Equity Ratio | 0.806 | 0.768 | 0.921 | 0.788 | 0.864 | |
| Debt To Capital Ratio | 0.446 | 0.434 | 0.479 | 0.441 | 0.463 | |
| Long Term Debt To Capital Ratio | 0.446 | 0.416 | 0.479 | 0.365 | 0.229 | |
| Financial Leverage Ratio | 11.768 | 12.146 | 13.010 | 14.894 | 14.328 | |
| Working Capital Turnover Ratio | -0.100 | -0.113 | -0.107 | -0.063 | -0.071 | |
| Operating Cash Flow Ratio | 0.031 | 0.008 | 0.007 | -0.001 | 0.015 | |
| Operating Cash Flow Sales Ratio | 0.350 | 0.107 | 0.088 | -0.023 | 0.321 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.674 | 0.551 | 0.669 | 6.443 | 0.878 | |
| Debt Service Coverage Ratio | 0.466 | 0.278 | 0.415 | 0.454 | 0.432 | |
| Interest Coverage Ratio | 0.510 | 0.333 | 0.486 | 1.113 | 4.605 | |
| Short Term Operating Cash Flow Coverage Ratio | 66.518 | 1.451 | 0.000 | -0.069 | 0.350 | |
| Operating Cash Flow Coverage Ratio | 0.290 | 0.103 | 0.083 | -0.019 | 0.230 | |
| Capital Expenditure Coverage Ratio | 3.072 | 2.225 | 3.017 | -0.184 | 8.229 | |
| Dividend Paid And Capex Coverage Ratio | 2.879 | 1.806 | 2.228 | -0.170 | 6.193 | |
| Dividend Payout Ratio | 0.048 | 0.083 | 0.059 | 0.041 | 0.034 | |
| Enterprise Value Multiple | 11.784 | -3.265 | -1.450 | 4.944 | 5.993 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 51.6% | ▲6.5% | ▼-7.0% |
| Ebit Margin | 22.0% | ▲5.5% | ▼-7.3% |
| Ebitda Margin | 24.9% | ▲5.9% | ▼-7.1% |
| Operating Profit Margin | 22.0% | ▲5.5% | ▼-7.3% |
| Pretax Profit Margin | 20.4% | ▲3.9% | ▼-8.6% |
| Continuous Operations Profit Margin | 15.8% | ▲2.5% | ▼-7.0% |
| Net Profit Margin | 15.8% | ▲2.5% | ▼-6.1% |
| Bottom Line Profit Margin | 14.8% | ▲2.6% | ▼-6.9% |
| Current Ratio | 0.011 | ▼-0.313 | ▼-0.217 |
| Quick Ratio | 0.011 | ▼-0.313 | ▼-0.217 |
| Solvency Ratio | 0.012 | ▲0.001 | ▼-0.002 |
| Cash Ratio | 0.004 | ▼-0.196 | ▼-0.090 |
| Price To Earnings Ratio | 11.425 | ▲2.205 | ▲3.666 |
| Price To Earnings Growth Ratio | 0.539 | ▲0.851 | ▲0.380 |
| Forward Price To Earnings Growth Ratio | 0.539 | ▲0.851 | ▲0.380 |
| Price To Earnings Diluted Ratio | 11.793 | ▲2.230 | ▲3.780 |
| Price To Earnings Diluted Growth Ratio | 0.541 | ▲0.855 | ▲0.385 |
| Price To Book Ratio | 1.182 | ▲0.347 | ▲0.116 |
| Price To Sales Ratio | 1.767 | ▲0.640 | ▲0.227 |
| Price To Free Cash Flow Ratio | 7.492 | ▼-11.713 | ▼-2.587 |
| Price To Operating Cash Flow Ratio | 5.053 | ▼-5.521 | ▲6.347 |
| Debt To Assets Ratio | 0.069 | ▲0.005 | ▲0.005 |
| Debt To Equity Ratio | 0.806 | ▲0.038 | ▼-0.023 |
| Debt To Capital Ratio | 0.446 | ▲0.012 | ▼-0.006 |
| Long Term Debt To Capital Ratio | 0.446 | ▲0.030 | ▲0.059 |
| Financial Leverage Ratio | 11.768 | ▼-0.378 | ▼-1.461 |
| Working Capital Turnover Ratio | -0.100 | ▲0.013 | ▼-0.009 |
| Operating Cash Flow Ratio | 0.031 | ▲0.024 | ▲0.019 |
| Operating Cash Flow Sales Ratio | 0.350 | ▲0.243 | ▲0.181 |
| Free Cash Flow Operating Cash Flow Ratio | 0.674 | ▲0.124 | ▼-1.169 |
| Debt Service Coverage Ratio | 0.466 | ▲0.188 | ▲0.057 |
| Interest Coverage Ratio | 0.510 | ▲0.177 | ▼-0.899 |
| Short Term Operating Cash Flow Coverage Ratio | 66.518 | ▲65.067 | ▲52.868 |
| Operating Cash Flow Coverage Ratio | 0.290 | ▲0.187 | ▲0.153 |
| Capital Expenditure Coverage Ratio | 3.072 | ▲0.847 | ▼-0.200 |
| Dividend Paid And Capex Coverage Ratio | 2.879 | ▲1.073 | ▲0.292 |
| Dividend Payout Ratio | 0.048 | ▼-0.035 | ▼-0.005 |
| Enterprise Value Multiple | 11.784 | ▲15.049 | ▲8.182 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $2.50B | $1.53B | $1.81B | $924.8M | $2.11B | |
| Enterprise value | $4.14B | -$842.1M | -$525.7M | $1.57B | $2.77B | |
| EV / Sales | 2.93x | -0.62x | -0.37x | 1.76x | 3.28x | |
| EV / Op. cash flow | 8.37x | -5.81x | -4.21x | -75.61x | 10.23x | |
| EV / Free cash flow | 12.42x | -10.54x | -6.30x | -11.73x | 11.64x | |
| EV / EBITDA | 11.78x | -3.27x | -1.45x | 4.94x | 5.99x | |
| Net debt / EBITDA | 4.67x | -9.21x | -6.45x | 2.04x | 1.43x | |
| Current ratio | 0.01x | 0.32x | 0.37x | 0.19x | 0.25x | |
| Income quality | 2.21x | 0.80x | 0.50x | -0.09x | 0.77x | |
| Graham number | $96 | $87 | $97 | $82 | $96 | |
| Graham net-net | -$662 | -$458 | -$419 | -$489 | -$427 | |
| Tax burden | 77.7% | 80.9% | 75.6% | 78.3% | 71.3% | |
| Interest burden | 92.8% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$15.59B | -$12.82B | -$11.35B | -$15.12B | -$13.38B | |
| Invested capital | -$15.57B | -$12.81B | -$11.34B | -$15.11B | -$13.36B | |
| Return on assets | 0.9% | 0.8% | 1.2% | 1.1% | 1.6% | |
| Operating ROA | 1.3% | 1.0% | 1.6% | 1.4% | 2.3% | |
| Return on tangible assets | 0.9% | 0.8% | 1.2% | 1.1% | 1.6% | |
| Return on equity | 10.6% | 9.9% | 15.3% | 16.3% | 23.0% | |
| Return on invested capital | 2.6% | 5.2% | 7.4% | 9.1% | 13.9% | |
| Return on capital employed | 3.4% | 6.7% | 9.7% | 13.2% | 24.9% | |
| Earnings yield | 9.0% | 11.8% | 13.8% | 24.7% | 14.9% | |
| Free cash flow yield | 13.3% | 5.2% | 4.6% | -14.5% | 11.3% | |
| Capex / Op. cash flow | 32.6% | 44.9% | 33.1% | -544.3% | 12.2% | |
| Capex / Depreciation | 425.4% | 194.3% | 130.0% | 417.4% | 152.1% | |
| Capex / Sales | 11.4% | 4.8% | 2.9% | 12.7% | 3.9% | |
| SG&A / Sales | 15.8% | 16.3% | 12.1% | 13.8% | 14.2% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 1.3% | 1.1% | 0.9% | 1.6% | 1.6% | |
| Intangibles / Total assets | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Days sales outstanding | 27d | 87d | 82d | 50d | 40d | |
| Days payables outstanding | 0d | 0d | 0d | 262d | 744d | |
| Operating cycle | 27d | 87d | 82d | 50d | 40d | |
| Cash conversion cycle | 27d | 87d | 82d | -211d | -704d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▲+63.0%EV / Sales ▲+573.3%EV / EBITDA ▲+460.9%EV / Op. cash flow ▲+14.180Earnings yield ▼-0.029Graham number ▲+8.614
Profitability
Return on equity ▲+0.007Return on assets ▲+0.001Return on invested capital ▼-0.026Return on capital employed ▼-0.033Operating ROA ▲+0.003Income quality ▲+1.409Tax burden ▼-0.032
Efficiency
Days sales outstanding ▼-59.957Days payables outstanding n/aOperating cycle ▼-59.957Cash conversion cycle ▼-59.957Capex / Sales ▲+0.066R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.313Net debt / EBITDA ▲+13.886Working capital ▼-2768464000.000Invested capital ▼-2758387000.000Intangibles / Total assets -0.000
Change over 5 years
Valuation
Market cap ▲+18.4%EV / Sales ▼-10.8%EV / EBITDA ▲+96.6%EV / Op. cash flow ▼-1.855Earnings yield ▼-0.059Graham number ▼-0.724
Profitability
Return on equity ▼-0.124Return on assets ▼-0.007Return on invested capital ▼-0.113Return on capital employed ▼-0.215Operating ROA ▼-0.010Income quality ▲+1.442Tax burden ▲+0.064
Efficiency
Days sales outstanding ▼-13.122Days payables outstanding ▼-743.790Operating cycle ▼-13.122Cash conversion cycle ▲+730.668Capex / Sales ▲+0.075R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.238Net debt / EBITDA ▲+3.244Working capital ▼-2209418000.000Invested capital ▼-2201670000.000Intangibles / Total assets -0.000
Employee count
Peer market caps
Congressional trades
No congressional trade data synced.
Recent news
- 2026-08-03 Is the Options Market Predicting a Spike in Customers Bancorp Stock? Investors need to pay close attention to CUBI stock based on the movements in the options market lately.
- 2026-07-24 Customers Bancorp, Inc. (CUBI) Q2 2026 Earnings Call Transcript Customers Bancorp, Inc. (CUBI) Q2 2026 Earnings Call Transcript
- 2026-07-24 Customers Bancorp Q2 Earnings Call Highlights Customers Bancorp NYSE: CUBI reported second-quarter 2026 earnings per share of $2.05, up about 4% from the prior quarter and 18% from a year earlier, as loan growth, deposit gathering and net interest income increased. CEO Sam Sidhu and Chief Financial Officer Mark McCollum said the company reaffirmed its key full-year guidance and expects stronger net interest income in the second half of 2026.
- 2026-07-23 Here''s What Key Metrics Tell Us About Customers Bancorp (CUBI) Q2 Earnings Although the revenue and EPS for Customers Bancorp (CUBI) give a sense of how its business performed in the quarter ended June 2026, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
- 2026-07-23 Customers Bancorp (CUBI) Beats Q2 Earnings Estimates Customers Bancorp (CUBI) came out with quarterly earnings of $2.05 per share, beating the Zacks Consensus Estimate of $2 per share. This compares to earnings of $1.8 per share a year ago.
- 2026-07-23 Customers Bancorp Reports Results for Second Quarter 2026 WEST READING, Pa.--(BUSINESS WIRE)--Customers Bancorp, Inc. (NYSE:CUBI): Second Quarter 2026 Highlights Q2 2026 net income available to common shareholders was $71.6 million, or $2.05 per diluted share; ROAA was 1.13% and ROCE was 13.22%. Q2 2026 core earnings*1 were $71.5 million, or $2.05 per diluted share; Core ROAA* was 1.13% and Core ROCE* was 13.20%. Total deposits increased $140.3 million, or 0.6% in Q2 2026 from Q1 2026, and $2.8 billion, or 14.5% from Q2 2025 to a period end record lev.
- 2026-07-16 Customers Bancorp (CUBI) Earnings Expected to Grow: Should You Buy? Customers Bancorp (CUBI) doesn''t possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
- 2026-07-16 Customers Bancorp: A Quick Upgrade Is Warranted Customers Bancorp is upgraded from ''hold'' to a soft ''buy'' following improved profitability and attractive forward valuation. CUBI''s net interest margin rose to 3.22%, with net income surging from $9.5M to $69.7M, and asset quality remains robust. Uninsured deposit exposure is elevated at 43.1%, increasing risk, but non-performing assets are low at 0.29%.
- 2026-07-13 Customers Bancorp, Inc. Hosts Second Quarter 2026 Earnings Webcast Friday, July 24, 2026 WEST READING, Pa.--(BUSINESS WIRE)--Customers Bancorp, Inc. (NYSE: CUBI), the parent company of Customers Bank (collectively, “Customers”), will host a webcast at 9:00 AM EST on Friday, July 24, 2026, to report its earnings results for the three months ending June 30, 2026. The webcast will be conducted by Sam Sidhu, President & CEO of Customers Bancorp, and Mark McCollom, Chief Financial Officer of Customers Bancorp. Register online for the webcast. The live audio webcast, presentation sli.
- 2026-07-03 The Customers Bancorp Chairman Sold Over 60,000 Company Shares Worth $4.6 Million. What Does That Mean for Investors? Chairman Jay Sidhu sold 60,315 shares for a total transaction value of ~$4.60 million on May 27, 2026. This trade represented 4.35% of Sidhu''s direct holdings at the time of sale.