Customers Bancorp Annual Income Statement (NYSE:CUBI)

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$31.46 $0.76 (2.48%) CUBI stock closing price Apr 27, 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.   In the income statement, an investor can check for important parameters like the topline, the bottomline, the EPS basic, dividends etc. 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 YoY growth of $68.14M. 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 increased from $58.58M YoY and 2016 revenue is $345.7M. Customers Bancorp revenue for 2016 is $345.7M. View revenue and profit details for latest and last 10 financial years.

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Annual
Quarterly
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Fiscal year is Jan - Dec. 2016 2015 2014 2013 2012 2011 2010 2009
Customers Bancorp Net Sales or Revenues
345.7M277.56M215.55M150.85M124.77M75.09M76.57M14.52M
Cost Of Goods Sold (COGS)48.24M33.98M24.45M21.02M21.07M21.86M11.11M5.72M
Customers Bancorp Gross Profit
297.45M243.58M191.09M129.83M103.69M53.23M65.46M8.8M
Research & Development Expense--------
Selling General & Admin Expense133.56M135.51M113.66M75.9M66.83M46.22M36.56M21.42M
Income Before Depreciation Depletion Amortization163.89M108.07M77.43M53.93M36.86M7M28.9M-12.62M
Depreciation Depletion Amortization--------
Non Operating Income---0.35M0.09M0.53M--
Interest Expense24.77M19.57M14.05M3.28M0.67M0.6M0.43M0.6M
Customers Bancorp Pretax Income
139.11M88.49M63.38M50.29M36.09M5.86M28.46M-13.23M
Provision for Income Taxes51.41M29.91M20.17M17.6M12.27M1.83M4.73M-
Minority Interest--------
Investment Gains Losses--------
Other Income--------
Income Before Extraordinaries & Disc Operations87.7M58.58M43.21M32.69M23.81M4.03M23.73M-13.23M
Extraordinary Items & Discontinued Operations-9M-------
Customers Bancorp Net Income (Profit/Loss)
78.7M58.58M43.21M32.69M23.81M4.03M23.73M-13.23M
Average Shares used to compute Diluted EPS30.01M28.69M28.01M24.47M14.72M11.31M--
Average Shares used to compute Basic EPS27.6M26.85M28.01M24.47M14.72M11.08M--
Income Before Nonrecurring Items92.33M58.58M43.21M32.69M23.82M3.99M--
Income from Nonrecurring Items-4.63M-------
Customers Bancorp Earnings Per Share Basic Net
2.512.091.621.341.620.36--
Customers Bancorp Earnings Per Share Diluted Net
2.311.961.551.301.570.35--
EPS Diluted Before Nonrecurring Items2.761.961.551.301.570.35--
Preferred Dividends Acc Pd--------
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 SBCF stock and CFNL stock to see if the growth compares well with what can be expected for a company in that industry.
  • Bottom line: Most businesses like Customers Bancorp try to improve their bottom line by growing their topline and by increasing their operating efficiency. A healthy bottom line growth implies a good investment.
The income statement is also called statement of revenue and expense. The financials along with Customers Bancorp historical stock prices provides a lot of details about the firm. .

Customers Bancorp Income Statement - Key Financial Ratios

PE ratio (price earnings ratio)
13.2330
PS ratio (
price sales ratio
)
2.4395
Operating margin
58.3
Net profit margin
23.5
Dividend yield
0%