Customers Bancorp, Inc. Financial Ratios — CUBI-PE Stock

Profitability (USD)

	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Return on Common Equity (%)	- -	30.82	57.59	42.85	45.14	45.3	36.76	25.03	17.92	17	26.77	49.99	25.7	21.86	13.02
Return on Assets (%)	- -	0.39	0.9	0.89	0.79	0.77	0.89	0.82	0.73	0.74	0.89	1.66	1.13	1.19	0.83
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	3.49	2.82	2.05	2.52	2.04	1.79	1.94	3.14	4.5	4.39	4.02	2.89	4.29	4.29	4.88
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	118.14	12.02	36.54	40.46	37.36	39.71	41.01	36.02	28.93	34.81	41.17	58.92	45.99	44.64	32.64
Profit Margin (%)	98.51	8.26	24.12	26.3	24.65	26.28	25.91	22.93	22.78	25.62	28.76	42.02	36	33.76	26.4
Net Income to Common Margin (%)	98.51	8.17	24.12	26.3	24.65	25.17	22.77	18.72	18.19	20.95	25.72	40.46	34.48	31.78	24.21
Effective Tax Rate (%)	16.62	31.27	34	35	32.03	33.8	36.83	36.36	21.26	24.49	24.62	19.7	21.72	24.37	19.12
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	-0.32	-0.67	- -	- -	- -	0.03	-0.25	-0.14	-0.03	0.06
Sustainable Growth Rate (%)	- -	30.82	57.59	42.85	45.14	45.44	37	25.03	17.92	17	26.76	50.12	25.74	21.87	13.01

Credit (USD)

API ChatGPT

	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Total Debt	- -	333	473	772	1,816	1,820	1,754	1,907	1,481	1,155	1,155	1,105	1,106	1,509	1,410
ST Debt	- -	320	411	612	1,298	1,365	689	- -	- -	850	850	700	300	- -	100
LT Debt	- -	13	62	160	518	455	1,065	1,907	1,481	305	305	405	806	1,509	1,310
Total Debt/EBITDA	- -	242.18	233.7	246.64	506.91	455.34	297.36	176.58	104.61	84.86	62.41	50.99	40.71	47.44	42.02
Net Debt/EBITDA	- -	188.68	141.79	172.16	403.36	389.16	252.47	163.03	100.22	69.24	24.96	27.08	23.92	-73.46	-70.82
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	1.25	1.77	2.31	1.4	1.81	2.39	2.95	3.55	3.59	2.56	3.78	4.59	5.61	6.1
Long-Term Debt/Equity (%)	- -	8.8	23.01	41.45	116.95	82.17	124.4	207.09	154.78	28.95	27.34	29.63	57.42	92.12	71.32
Long-Term Debt/Capital (%)	- -	3.62	11.7	18.47	27.11	22.44	48.5	78.98	72.34	17.06	16.56	20.41	36.57	53.1	45.02
Long-Term Debt/Total Assets (%)	- -	0.63	1.94	3.86	7.59	5.42	11.35	19.38	15.06	2.65	1.66	2.07	3.85	7.08	5.87
Total Debt/Equity (%)	- -	225.38	175.53	199.61	409.85	328.66	204.88	207.09	154.78	109.68	103.43	80.86	78.8	92.12	76.76
Total Debt/Capital (%)	- -	92.79	89.28	88.96	94.99	89.77	79.87	78.98	72.34	64.64	62.64	55.71	50.2	53.1	48.46
Total Debt/Total Assets (%)	- -	16.03	14.78	18.58	26.61	21.68	18.69	19.38	15.06	10.02	6.27	5.64	5.29	7.08	6.32
Net Debt to Equity	- -	175.59	106.5	139.33	326.13	280.89	173.95	191.2	148.28	89.5	41.36	42.95	46.31	-142.64	-129.36
Net Debt/Capital (%)	- -	90.93	83.47	84.91	93.79	88.23	77.11	77.63	71.47	59.87	40.14	40.05	37.2	232.72	271.1
EBITDA	1	1	2	3	4	4	6	11	14	14	19	22	27	32	34
EBITDA-CapEx	-2	-1	-1	-1	2	1	- -	-14	-26	-36	-10	-11	-86	-10	-32
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	1.25	1.77	2.31	1.4	1.81	2.39	2.95	3.55	3.59	2.56	3.78	4.59	5.61	6.1
Long-Term Debt/Equity (%)	- -	8.8	23.01	41.45	116.95	82.17	124.4	207.09	154.78	28.95	27.34	29.63	57.42	92.12	71.32
Long-Term Debt/Capital (%)	- -	3.62	11.7	18.47	27.11	22.44	48.5	78.98	72.34	17.06	16.56	20.41	36.57	53.1	45.02
Long-Term Debt/Total Assets (%)	- -	0.63	1.94	3.86	7.59	5.42	11.35	19.38	15.06	2.65	1.66	2.07	3.85	7.08	5.87
Total Debt/Equity (%)	- -	225.38	175.53	199.61	409.85	328.66	204.88	207.09	154.78	109.68	103.43	80.86	78.8	92.12	76.76
Total Debt/Capital (%)	- -	92.79	89.28	88.96	94.99	89.77	79.87	78.98	72.34	64.64	62.64	55.71	50.2	53.1	48.46
Total Debt/Total Assets (%)	- -	16.03	14.78	18.58	26.61	21.68	18.69	19.38	15.06	10.02	6.27	5.64	5.29	7.08	6.32
CFO/Total Liabilities	- -	1.55	-42.37	19.17	-8.5	0.85	1.07	0.7	1.1	0.75	0.88	1.49	-0.11	0.63	0.71
CFO/CapEx	-67.4	10.99	-457.82	185.42	-427.16	22.65	16.85	2.55	2.41	1.56	5.28	8.23	-0.18	3.02	2.23
Altman's Z-Score	- -	0.03	0.05	0.05	0.04	0.05	0.06	0.07	0.08	0.07	0.06	0.09	0.09	0.11	0.11

Working Capital (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Accounts Receivable Turnover	- -	3.38	4.2	6.8	9.76	11.9	13.93	13.56	10.49	8.72	7.78	8.67	5.88	6.22	6.16
Days Sales Outstanding	- -	107.9	86.84	53.64	37.4	30.68	26.21	26.91	34.78	41.86	46.91	42.08	62.12	58.66	59.23
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

API ChatGPT

	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	- -	74	186	233	371	265	265	146	62	213	693	518	456	3,846	3,786
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	56	217	217	217	217	217	138	138	138	138
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	333	473	772	1,816	1,820	1,754	1,907	1,481	1,155	1,155	1,105	1,106	1,509	1,410
Enterprise Value	- -	180	158	41	1,029	1,051	1,213	1,507	971	564	-531	-3,093	-2,200	-4,605	-4,258
Total Capital	- -	359	530	868	1,912	2,028	2,195	2,415	2,047	1,786	1,844	1,983	2,202	2,842	2,909
Total Debt/Capital (%)	- -	92.79	89.28	88.96	94.99	89.77	79.87	78.98	72.34	64.64	62.64	55.71	50.2	53.1	48.46
Total Debt / EV	- -	1.85	3	18.77	1.77	1.73	1.45	1.27	1.52	2.05	-2.18	-0.36	-0.5	-0.33	-0.33
EV/Sales	- -	3.69	1.6	0.33	5.87	4.72	3.99	4.38	3.09	1.82	- -	- -	- -	- -	- -
EV/EBITDA	- -	131.12	78.01	13.14	287.06	262.92	205.66	139.53	68.61	41.43	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	6.03	- -	0.06	- -	15.79	13.27	24.23	9.96	7.2	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	5.53	- -	0.06	- -	15.12	12.53	17.41	7.04	4.39	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	- -	259	287	539	1,445	1,611	1,706	1,978	1,636	1,160	680	725	788	-2,199	-2,238
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	24	49	99	124	175	223	304	344	315	310	461	749	633	741	687
TTM EBITDA	1	1	2	3	4	4	6	11	14	14	19	22	27	32	34
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	-222	30	-1,242	722	-542	67	91	62	97	78	152	271	-21	125	145
TTM Free Cash Flow to Firm	-218	33	-1,239	726	-541	70	97	87	138	128	181	304	93	166	210

Multiples (USD)

API ChatGPT

	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	180	158	41	1,029	1,051	1,213	1,507	971	564	-531	-3,093	-2,200	-4,605	-4,258
Low Price	- -	- -	- -	- -	- -	- -	24.69	25.54	22.62	23.93	11.76	24.49	24.4	10.77	24
EV/Sales	- -	3.69	1.6	0.33	5.87	4.72	3.99	4.38	3.09	1.82	- -	- -	- -	- -	- -
EV/EBITDA	- -	131.12	78.01	13.14	287.06	262.92	205.66	139.53	68.61	41.43	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales Average	- -	5.31	2.91	4.33	8.24	7.23	5.62	5.75	5.2	3.75	1.47	0.97	1.24	- -	- -
EV/Sales High	- -	5.31	2.91	4.33	8.24	7.23	5.62	5.75	5.2	3.75	1.47	0.97	1.24	- -	- -
EV/Sales Low	- -	5.31	2.91	4.33	8.24	7.23	5.62	5.75	5.2	3.75	1.47	0.97	1.24	- -	- -
EV/EBITDA Average	- -	188.68	141.79	172.16	403.36	403.06	289.35	183.17	115.58	85.22	36.7	33.44	29	-69.13	-66.71
EV/EBITDA High	- -	188.68	141.79	172.16	403.36	403.06	289.35	183.17	115.58	85.22	36.7	33.44	29	-69.13	-66.71
EV/EBITDA Low	- -	188.68	141.79	172.16	403.36	403.06	289.35	183.17	115.58	85.22	36.7	33.44	29	-69.13	-66.71
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	14.2	15.65	15.11	17.29	18.04	19.22	20.51	22.71	25.78
High Price	- -	- -	- -	- -	- -	- -	27.13	27.21	26.83	26.75	26.85	26	25.79	26.03	26.29
Enterprise Value Average	- -	259	287	539	1,445	1,611	1,706	1,978	1,636	1,160	680	725	788	-2,199	-2,238
Enterprise Value High	- -	259	287	539	1,445	1,611	1,706	1,978	1,636	1,160	680	725	788	-2,199	-2,238
Enterprise Value Low	- -	259	287	539	1,445	1,611	1,706	1,978	1,636	1,160	680	725	788	-2,199	-2,238

Shares Outstanding	- -	11	18	27	27	27	30	31	31	31	32	33	32	31	31
Diluted Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Revenue per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow per Basic Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash & Equivalents per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Book Value per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Tangible Book Value per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Customers Bancorp, Inc.

Profitability (USD)

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