Customers Bancorp Income Statement - Quarterly (NYSE:CUBI)

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$35.49 $0.09 (0.25%) CUBI stock closing price Jan 13, 2017 (Closing)

Looking at financial statements, along with the Customers Bancorp stock price, it's management, its economic moat, and industry competitors forms an important part of fundamental analysis.   The income statement gives the investor an understanding of the topline and bottomline numbers of the company and helps investors evaluate if a company has been growing or not. The income statement is always for an accounting period, typically for a year or quarter, and affects the stock. In this case, the CUBI stock is bound to reflect the impact of the QoQ growth of $22.12M. Along with Customers Bancorp assets and Customers Bancorp free cash flow, profits as shown in profit and loss statement give key insights about the business. The profits have decreased from $19.43M QoQ and 2016-Q3 revenue is $111.7M. View details of revenue and profits for Customers Bancorp for latest & last 40 quarters.

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Annual
Quarterly
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Fiscal year is Jan - Dec. 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2
Customers Bancorp Net Sales or Revenues
111.7M89.58M78.89M77.13M69.91M66.08M64.45M62.97M56.4M52M
Cost Of Goods Sold (COGS)13M11.14M10.21M9.3M9.02M8.14M7.52M7.15M6.17M5.72M
Customers Bancorp Gross Profit
98.68M78.43M68.68M67.85M60.88M57.93M56.92M55.84M50.22M46.27M
Research & Development Expense----------
Selling General & Admin Expense56.3M38.96M35.88M37.7M32.4M34.99M30.42M30.33M29.71M28.09M
Income Before Depreciation Depletion Amortization42.38M39.46M32.79M30.17M28.48M22.93M26.49M25.52M20.5M18.18M
Depreciation Depletion Amortization----------
Non Operating Income----------
Interest Expense6.61M7.02M5.55M4.95M4.78M4.98M4.86M5.06M4.9M2.43M
Customers Bancorp Pretax Income
35.76M32.44M27.23M25.21M23.7M17.95M21.63M20.47M15.6M15.75M
Provision for Income Taxes14.57M13.01M9.53M7.42M8.41M6.4M7.68M7.3M3.94M5.51M
Minority Interest----------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations18.64M19.43M17.7M17.79M15.29M11.56M13.95M13.18M11.66M10.23M
Extraordinary Items & Discontinued Operations----------
Customers Bancorp Net Income (Profit/Loss)
18.64M19.43M17.7M17.79M15.29M11.56M13.95M13.18M11.66M10.23M
Average Shares used to compute Diluted EPS29.15M28.97M28.78M28.91M28.74M28.68M28.34M28.01M27.99M27.98M
Average Shares used to compute Basic EPS27.37M27.08M26.95M26.89M26.87M28.68M26.83M28.01M26.51M27.98M
Income Before Nonrecurring Items18.64M19.43M17.7M17.79M15.29M15.43M13.95M13.18M11.66M10.23M
Income from Nonrecurring Items------3.87M----
Customers Bancorp Earnings Per Share Basic Net
0.680.640.610.620.530.410.520.490.440.38
Customers Bancorp Earnings Per Share Diluted Net
0.640.600.570.580.500.390.490.470.420.37
EPS Diluted Before Nonrecurring Items0.640.600.570.580.500.520.490.470.420.37
Preferred Dividends Acc Pd0.03M---------
Dividends Common----------
Dividend Per Share Common----------
All figures in USD. M: Millions of USD, B: Billions of USD.
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The key things to look for in an income statement while doing Customers Bancorp stock analysis are:
  • Topline: A growing topline, as seen from the Customers Bancorp revenue chart, as is the case with Customers Bancorp indicates a growing business. One needs to compare the QoQ or YoY topline growth of CUBI stock with its peers like CBF stock and CHCO stock to see if the growth compares well with what can be expected for a company in that industry.
  • Bottom line: This refers to the last line in a profit and loss statement and denotes the net profit or loss for a particular period. The figure currently stands at $18.64M for Customers Bancorp for 2016-Q3. This figure is arrived at after deducting all operating expenses, interest, and taxes from revenue.
The income statement is also called the profit and loss statement. Apart from the income statement, one can check the Customers Bancorp historical stock prices to check how the price has moved with time. .

Customers Bancorp Income Statement - Key Financial Ratios

PE ratio (price earnings ratio)
14.8490
PS ratio (
price sales ratio
)
2.7186
Operating margin
37.9
Net profit margin
16.7
Dividend yield
0%