Customers Bancorp Income Statement - Quarterly (NYSE:CUBI)

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$30.7 $0.31 (1.02%) CUBI stock closing price Apr 26, 2017 (Closing)

Stock analysis based on fundamentals means looking at financial statements in addition to the Customers Bancorp stock price. 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 QoQ decline of $27.17M. 2016-Q4 revenue is $84.53M and has decreased from $111.7M quarter on quarter as is evident when you compare the latest figures in the latest Customers Bancorp profit and loss statement with those of the prior corresponding period. (See also:Customers Bancorp assets and Customers Bancorp free cash flow) 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-Q4 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3
Customers Bancorp Net Sales or Revenues
84.53M111.7M89.58M78.89M77.13M69.91M66.08M64.45M62.97M56.4M
Cost Of Goods Sold (COGS)13.89M13M11.14M10.21M9.3M9.02M8.14M7.52M7.15M6.17M
Customers Bancorp Gross Profit
51.66M98.68M78.43M68.68M67.85M60.88M57.93M56.92M55.84M50.22M
Research & Development Expense----------
Selling General & Admin Expense2.42M56.3M38.96M35.88M37.7M32.4M34.99M30.42M30.33M29.71M
Income Before Depreciation Depletion Amortization49.26M42.38M39.46M32.79M30.17M28.48M22.93M26.49M25.52M20.5M
Depreciation Depletion Amortization----------
Non Operating Income----------
Interest Expense5.59M6.61M7.02M5.55M4.95M4.78M4.98M4.86M5.06M4.9M
Customers Bancorp Pretax Income
43.68M35.76M32.44M27.23M25.21M23.7M17.95M21.63M20.47M15.6M
Provision for Income Taxes14.3M14.57M13.01M9.53M7.42M8.41M6.4M7.68M7.3M3.94M
Minority Interest----------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations23.34M18.64M19.43M17.7M17.79M15.29M11.56M13.95M13.18M11.66M
Extraordinary Items & Discontinued Operations-3.51M---------
Customers Bancorp Net Income (Profit/Loss)
19.83M18.64M19.43M17.7M17.79M15.29M11.56M13.95M13.18M11.66M
Average Shares used to compute Diluted EPS31.58M29.15M28.97M28.78M28.91M28.74M28.68M28.34M28.01M27.99M
Average Shares used to compute Basic EPS28.98M27.37M27.08M26.95M26.89M26.87M28.68M26.83M28.01M26.51M
Income Before Nonrecurring Items27.65M18.64M19.43M17.7M17.79M15.29M15.43M13.95M13.18M11.66M
Income from Nonrecurring Items-4.31M------3.87M---
Customers Bancorp Earnings Per Share Basic Net
0.560.680.640.610.620.530.410.520.490.44
Customers Bancorp Earnings Per Share Diluted Net
0.510.640.600.570.580.500.390.490.470.42
EPS Diluted Before Nonrecurring Items0.760.640.600.570.580.500.520.490.470.42
Preferred Dividends Acc Pd3.6M0.03M--------
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 not the case with Customers Bancorp indicates a sagging 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 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)
13.2330
PS ratio (
price sales ratio
)
2.4395
Operating margin
58.3
Net profit margin
23.5
Dividend yield
0%