CUBI FINANCIAL STATEMENTS

Customers Bancorp, Inc. — balance sheet, income statement and cash flow trends

CUBICustomers Bancorp, Inc.

🇺🇸 USA · NYSE · Financial Services · Banks - Regional

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue1.5 B $+15.5%

Gross Profit822.1 M $+45.9%

Operating Income389.2 M $+127.7%

EBITDA428.6 M $+102.3%

Net Income280.8 M $+94.1%

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
CUBI	—	—	—	18.7%
BOQ	—	—	—	2.0%
BFL	—	—	—	30.2%
KLNMA	—	—	—	58.1%
EQB	—	—	—	6.6%
BEN	—	—	—	—
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity2.1 B $8%
Current Liabilities70 M $0%
Long-term Liabilities23.7 B $91%

Key Figures

YoY change

Total Assets25.9 B $+15.4%

Total Liabilities23.7 B $+15.5%

Total Equity2.1 B $+15.0%

Cash & ST Investments89.2 M $-97.9%

Total Debt1.9 B $+34.4%

Net Debt1.8 B $—

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
CUBI	2.77	88.7%	4.23	8.3%
BOQ	0.05	258.4%	49.89	6.0%
BFL	33.68	9.1%	-3.30	12.0%
KLNMA	—	0.0%	-0.00	17.7%
EQB	0.09	496.5%	40.36	6.2%
BEN	0.03	142.6%	—	6.6%
Industry median	0.31	38.0%	-0.58	11.0%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
CUBI	2.77	88.7%	4.23	8.3%
TRMK	1.37	44.5%	1.28	11.2%
TBBK	0.02	32.0%	0.43	7.0%
FRME	6.04	61.6%	0.69	12.7%
BUSE	0.73	27.5%	1.55	13.4%
FBNC	1,717.54	5.3%	-12.18	13.0%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow435.7 M $+68.9%

Capital Expenditures140.7 M $+80.7%

Free Cash Flow295.1 M $+63.8%

Dividends Paid-7.4 M $-149.9%

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
CUBI	29.1%	19.7%	9.4%	155.2%
BOQ	13.1%	13.0%	0.2%	668.4%
BFL	116.9%	27.7%	2.8%	386.6%
KLNMA	58.1%	57.8%	0.3%	100.0%
EQB	-2.9%	-7.6%	3.1%	-44.2%
BEN	—	—	—	—
Industry median	23.6%	22.1%	1.5%	111.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
CUBI	29.1%	19.7%	9.4%	155.2%
TRMK	15.8%	14.5%	3.0%	83.2%
TBBK	28.0%	27.5%	1.2%	94.2%
FRME	26.7%	26.7%	0.0%	141.1%
BUSE	21.0%	19.1%	1.9%	109.5%
FBNC	38.1%	37.0%	1.1%	174.6%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 7, 26. This content is for informational purposes only and is not investment advice.