Customers Bancorp, Inc. (CUBI) - Net Assets
Based on the latest financial reports, Customers Bancorp, Inc. (CUBI) has net assets worth $2.14 Billion USD as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($25.88 Billion) and total liabilities ($23.74 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check Customers Bancorp, Inc. tangible net worth ratio to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $2.14 Billion |
| % of Total Assets | 8.29% |
| Annual Growth Rate | 33.22% |
| 5-Year Change | 54.84% |
| 10-Year Change | 147.18% |
| Growth Volatility | 90.83 |
Customers Bancorp, Inc. - Net Assets Trend (2009–2025)
This chart illustrates how Customers Bancorp, Inc.'s net assets have evolved over time, based on quarterly financial data. See CUBI days of operational coverage to measure how many days the company can operate on defensive assets alone.
Annual Net Assets for Customers Bancorp, Inc. (2009–2025)
The table below shows the annual net assets of Customers Bancorp, Inc. from 2009 to 2025. For live valuation and market cap data, see Customers Bancorp, Inc. (CUBI) total market value.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $2.12 Billion | +15.18% |
| 2024-12-31 | $1.84 Billion | +12.10% |
| 2023-12-31 | $1.64 Billion | +16.78% |
| 2022-12-31 | $1.40 Billion | +2.69% |
| 2021-12-31 | $1.37 Billion | +22.30% |
| 2020-12-31 | $1.12 Billion | +6.11% |
| 2019-12-31 | $1.05 Billion | +10.03% |
| 2018-12-31 | $956.82 Million | +3.89% |
| 2017-12-31 | $920.96 Million | +7.61% |
| 2016-12-31 | $855.87 Million | +54.52% |
| 2015-12-31 | $553.90 Million | +24.99% |
| 2014-12-31 | $443.14 Million | +14.62% |
| 2013-12-31 | $386.62 Million | +43.47% |
| 2012-12-31 | $269.48 Million | +82.39% |
| 2011-12-31 | $147.75 Million | +40.53% |
| 2010-12-31 | $105.14 Million | +388.96% |
| 2009-12-31 | $21.50 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Customers Bancorp, Inc.'s total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 154842300000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $1.54 Billion | 72.57% |
| Common Stock | $36.19 Million | 1.71% |
| Other Comprehensive Income | $-54.05 Million | -2.55% |
| Other Components | $598.18 Million | 28.28% |
| Total Equity | $2.12 Billion | 100.00% |
Customers Bancorp, Inc. Competitors by Market Cap
The table below lists competitors of Customers Bancorp, Inc. ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Artisan Partners Asset Management Inc
NYSE:APAM
|
$2.55 Billion |
|
Vivendi SA
PA:VIV
|
$2.55 Billion |
|
FOCI Fiber Optic Communications
TWO:3363
|
$2.55 Billion |
|
Autobio Diagnostics Co Ltd
SHG:603658
|
$2.55 Billion |
|
Konecranes Plc
HE:KCR
|
$2.54 Billion |
|
Kailera Therapeutics, Inc. Common Stock
NASDAQ:KLRA
|
$2.54 Billion |
|
Macrolink Real Estate Co Ltd
SHE:000620
|
$2.54 Billion |
|
Mivne Real Estate KD Ltd
TA:MVNE
|
$2.54 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Customers Bancorp, Inc.'s equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 1,836,683,000 to 2,115,517,000, a change of 278,834,000 (15.2%).
- Net income of 224,088,000 contributed positively to equity growth.
- Dividend payments of 10,802,000 reduced retained earnings.
- Share repurchases of 148,142,000 reduced equity.
- New share issuances of 165,851,000 increased equity.
- Other comprehensive income increased equity by 42,510,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $224.09 Million | +10.59% |
| Dividends Paid | $10.80 Million | -0.51% |
| Share Repurchases | $148.14 Million | -7.0% |
| Share Issuances | $165.85 Million | +7.84% |
| Other Comprehensive Income | $42.51 Million | +2.01% |
| Other Changes | $5.33 Million | +0.25% |
| Total Change | $- | 15.18% |
Book Value vs Market Value Analysis
This analysis compares Customers Bancorp, Inc.'s book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.27x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 14.03x to 1.27x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2009-12-31 | $5.40 | $75.79 | x |
| 2010-12-31 | $9.74 | $75.79 | x |
| 2011-12-31 | $13.02 | $75.79 | x |
| 2012-12-31 | $14.60 | $75.79 | x |
| 2013-12-31 | $14.51 | $75.79 | x |
| 2014-12-31 | $15.88 | $75.79 | x |
| 2015-12-31 | $19.31 | $75.79 | x |
| 2016-12-31 | $28.52 | $75.79 | x |
| 2017-12-31 | $28.25 | $75.79 | x |
| 2018-12-31 | $29.68 | $75.79 | x |
| 2019-12-31 | $33.27 | $75.79 | x |
| 2020-12-31 | $35.21 | $75.79 | x |
| 2021-12-31 | $40.54 | $75.79 | x |
| 2022-12-31 | $41.82 | $75.79 | x |
| 2023-12-31 | $50.95 | $75.79 | x |
| 2024-12-31 | $56.14 | $75.79 | x |
| 2025-12-31 | $59.76 | $75.79 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Customers Bancorp, Inc. utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 10.59%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 15.84%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 11.77x
- Recent ROE (10.59%) is above the historical average (7.12%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2009 | -61.55% | -90.81% | 0.04x | 16.27x | $-15.39 Million |
| 2010 | 22.57% | 66.59% | 0.03x | 13.07x | $13.22 Million |
| 2011 | 2.73% | 5.66% | 0.03x | 14.06x | $-10.74 Million |
| 2012 | 8.84% | 19.76% | 0.04x | 11.87x | $-3.13 Million |
| 2013 | 8.46% | 22.00% | 0.04x | 10.74x | $-5.97 Million |
| 2014 | 9.75% | 20.21% | 0.03x | 15.40x | $-1.10 Million |
| 2015 | 10.58% | 21.19% | 0.03x | 15.16x | $3.19 Million |
| 2016 | 9.20% | 20.88% | 0.04x | 10.96x | $-6.89 Million |
| 2017 | 8.56% | 17.54% | 0.05x | 10.68x | $-13.26 Million |
| 2018 | 7.49% | 15.10% | 0.05x | 10.28x | $-23.99 Million |
| 2019 | 7.53% | 15.99% | 0.04x | 10.94x | $-25.95 Million |
| 2020 | 11.87% | 22.08% | 0.03x | 16.51x | $20.87 Million |
| 2021 | 23.03% | 37.25% | 0.04x | 14.33x | $178.03 Million |
| 2022 | 16.25% | 25.48% | 0.04x | 14.89x | $87.74 Million |
| 2023 | 15.27% | 18.29% | 0.06x | 13.01x | $86.30 Million |
| 2024 | 9.88% | 13.33% | 0.06x | 12.15x | $-2.20 Million |
| 2025 | 10.59% | 15.84% | 0.06x | 11.77x | $12.54 Million |
Industry Comparison
This section compares Customers Bancorp, Inc.'s net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $545,762,800
- Average return on equity (ROE) among peers: 9.48%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Customers Bancorp, Inc. (CUBI) | $2.14 Billion | -61.55% | 11.07x | $2.55 Billion |
| Ameris Bancorp (ABCB) | $68.20 Million | 10.85% | 9.15x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $80.66 Million | 12.52% | 9.24x | $5.85 Billion |
| ACNB Corporation (ACNB) | $62.69 Million | 13.30% | 9.05x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $80.78 Million | 3.82% | 9.53x | $137.20 Million |
| Alerus Financial Corp (ALRS) | $168.78 Million | 8.32% | 11.15x | $736.27 Million |
| Amalgamated Bank (AMAL) | $585.36 Million | 15.03% | 12.62x | $1.27 Billion |
| Amerant Bancorp Inc. (AMTB) | $1.00 Billion | 3.23% | 8.67x | $979.96 Million |
| Arrow Financial Corporation (AROW) | $371.19 Million | 13.43% | 9.85x | $622.98 Million |
| Associated Banc-Corp (ASB) | $2.94 Billion | 6.41% | 8.44x | $5.45 Billion |
| AmeriServ Financial Inc (ASRV) | $97.98 Million | 7.93% | 10.85x | $62.43 Million |
About Customers Bancorp, Inc.
Customers Bancorp, Inc. operates as the bank holding company for Customers Bank that provides banking products and services. It provides deposit banking products, which includes commercial and consumer checking, non-interest-bearing and interest-bearing demand, MMDA, savings, and time deposit accounts, as well as individual retirement accounts and non-retail time deposits consisting of jumbo cert… Read more