Customers Bancorp, Inc. (CUBI) Earnings History
Steady Earner17 years of earnings data (2009–2025) · Positive but moderate multi-year EPS trajectory
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Customers Bancorp, Inc. (CUBI) Earnings Overview
As of July 6, 2026, Customers Bancorp, Inc. (CUBI) reported trailing twelve-month net income of $224M, reflecting +21.8% year-over-year growth. The company earned $6.33 per diluted share over the past four quarters, with a net profit margin of 15.8%.
Looking at the long-term picture, CUBI's 5-year EPS compound annual growth rate (CAGR) stands at +8.8%, showing solid earnings momentum. The company achieved its highest annual net income of $315M in fiscal 2021.
Customers Bancorp, Inc. maintains industry-leading profitability with a gross margin of 51.6%, operating margin of 22.0%, and net margin of 15.8%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including WSFS ($308M net income, 21.1% margin), TBBK ($231M net income, 33.1% margin), FFBC ($279M net income, 20.3% margin), CUBI has room to improve margins relative to the peer group. Compare CUBI vs WSFS →
CUBI Earnings vs Peers
Earnings metrics vs comparable public companies
CUBI Historical Earnings Data (2009–2025)
17 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $224M | +23.5% | $311M | $6.20 | 15.8% | 22.0% |
| 2024 | $181M | -27.5% | $224M | $5.09 | 13.3% | 16.5% |
| 2023 | $250M | +9.7% | $331M | $7.32 | 17.6% | 23.3% |
| 2022 | $228M | -27.5% | $291M | $6.51 | 25.5% | 32.5% |
| 2021 | $315M | +137.3% | $441M | $10.08 | 37.3% | 52.2% |
| 2020 | $133M | +67.1% | $190M | $4.07 | 22.1% | 31.6% |
| 2019 | $79M | +10.6% | $108M | $2.05 | 16.0% | 21.7% |
| 2018 | $72M | -9.1% | $91M | $1.78 | 15.1% | 19.2% |
| 2017 | $79M | +0.2% | $124M | $1.97 | 17.5% | 27.6% |
| 2016 | $79M | +34.3% | $125M | $2.31 | 20.9% | 33.1% |
| 2015 | $59M | +35.6% | $88M | $1.96 | 21.2% | 32.0% |
| 2014 | $43M | +32.2% | $66M | $1.55 | 20.2% | 30.6% |
| 2013 | $33M | +37.3% | $50M | $1.23 | 22.0% | 33.8% |
| 2012 | $24M | +490.4% | $36M | $1.29 | 19.8% | 29.9% |
| 2011 | $4M | -83.0% | $6M | $0.35 | 5.7% | 8.2% |
| 2010 | $24M | +279.3% | $28M | $2.20 | 66.6% | 79.9% |
| 2009 | -$13M | - | -$13M | $-3.33 | -90.8% | -90.7% |
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CUBI — Frequently Asked Questions
Quick answers to the most common questions about buying CUBI stock.
What is CUBI earnings per share (EPS)?
CUBI trailing twelve-month (TTM) diluted EPS is $6.33, reflecting +21.8% year-over-year growth. The 5-year EPS CAGR is +8.8%. Complete EPS history from 2009 to 2025 is available in the table on this page.
What is Customers Bancorp, Inc.'s net income?
Customers Bancorp, Inc. (CUBI) trailing twelve-month net income is $224M as of 2025. Earnings grew +21.8% year-over-year. Customers Bancorp, Inc. has been profitable for 16 consecutive years.
Is CUBI profitable?
Yes, CUBI is profitable with a TTM net income of $224M and a net profit margin of +15.8%. Customers Bancorp, Inc. has generated profits for 16 consecutive years.
What is CUBI's earnings growth rate?
CUBI compound annual EPS growth rates (CAGR): 1-Year: +21.8%, 3-Year: -1.6%, 5-Year: +8.8%, 10-Year: +12.2%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2009 to 2025.
What are CUBI's profit margins?
Customers Bancorp, Inc. net profit margin is +15.8%, operating margin is +22.0%, and gross margin is +51.6%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +11.3%.
Is CUBI growing earnings?
Yes, CUBI earnings are accelerating — EPS growth of +21.8% exceeds the 5-year CAGR of +8.8%. TTM net income reached $224M. Earnings momentum is strengthening.
What was CUBI's best earnings year?
Customers Bancorp, Inc.'s highest annual net income on record is $315M, achieved in fiscal year 2021. Earnings history on this page spans 2009 to 2025 and includes all annual and quarterly figures.
What were CUBI's earnings last quarter?
CUBI's most recent reported quarter was Q4 2025. Net income was $74M with diluted EPS of $1.98. For a full breakdown of all quarters, see the quarterly earnings table on this page.