CUBB Customers Bancorp, Inc 5.375% Subordinated Notes Due 2034
$22.15
Price · Aug 19, 2026
Fundamentals as of Aug 7, 2026
52W Range
$20–$24
49% of range
Analyst Rating
BUY
17 analysts
Price Target
—
P/E (TTM)
3.5
ROE
11.3%
Net Profit Margin
27.4%
CUBB Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$22.15
Market Cap
$746M
P/E (TTM)
3.5
EPS (TTM)
$6.26
Revenue (TTM)
—
Div Yield
—
ROE
11.3%
Debt/Equity
0.0
52W Range
$20 – $24
CUBB Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue & Net Income
—
2017-12-31
→
2020-12-31
EPS
$6.26
2016-12-31
→
2025-12-31
Free Cash Flow
$481M
2016-12-31
→
2025-12-31
Margins
27.4%
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
Metric
5Y trend
CUBB
Peer Median
P/E (TTM)
3.5
11.5
P/S (TTM)
17.2
2.2
P/B
0.4
1.1
EV / EBITDA
-87.7
—
Price / FCF
1.6
—
Profitability Gross, operating and net margins; ROE, ROA, ROIC
Metric
5Y trend
CUBB
Peer Median
Net Profit Margin
27.4%
30.6%
ROA
0.95%
0.96%
ROE
11.3%
9.4%
Financial Health Debt, liquidity, solvency — balance sheet strength
Metric
5Y trend
CUBB
Peer Median
Debt / Equity
0.0
20.1
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
Metric
5Y trend
CUBB
Peer Median
EPS YoY
23.0%
—
Net Income YoY
23.5%
—
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
Metric
5Y trend
CUBB
Peer Median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield
—
Payout Ratio
—
5Y Div CAGR
—
| Ex-date | Amount |
|---|---|
| June 15, 2026 | $0.3360 |
| March 13, 2026 | $0.3360 |
| Dec. 15, 2025 | $0.3360 |
| Sept. 15, 2025 | $0.3360 |
| June 13, 2025 | $0.3360 |
| March 14, 2025 | $0.3360 |
| Dec. 13, 2024 | $0.3360 |
| Sept. 13, 2024 | $0.3360 |
| June 14, 2024 | $0.3360 |
| March 14, 2024 | $0.3360 |
| Dec. 14, 2023 | $0.3360 |
| Sept. 14, 2023 | $0.3360 |
| June 14, 2023 | $0.3360 |
| March 14, 2023 | $0.3360 |
| Dec. 14, 2022 | $0.3360 |
| Sept. 14, 2022 | $0.3360 |
| June 14, 2022 | $0.3360 |
| March 14, 2022 | $0.3360 |
| Dec. 14, 2021 | $0.3360 |
| Sept. 14, 2021 | $0.3360 |
CUBB Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
BUY
17 analysts
- Strong Buy 3 17.6%
- Buy 9 52.9%
- Hold 5 29.4%
- Sell 0 0.0%
- Strong Sell 0 0.0%
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
0.12%
| Period | EPS Actual | EPS Est | Surprise |
|---|---|---|---|
| June 30, 2026 | $2.05 | $2.04 | 0.01% |
| March 31, 2026 | $1.97 | $1.94 | 0.03% |
| Dec. 31, 2025 | $2.06 | $2.09 | -0.03% |
| Sept. 30, 2025 | $2.20 | $1.97 | 0.23% |
| June 30, 2025 | $1.80 | $1.55 | 0.25% |
| March 31, 2025 | $1.54 | $1.33 | 0.21% |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| CUBB | $760M | 3.5 | — | 27.4% | 11.3% | — |
| BOH | $2.72B | 14.8 | -0.14% | 168.9% | 11.5% | — |
| CLBK | — | 30.5 | 43.8% | — | — | — |
| BANC | $2.89B | 16.5 | -3.8% | 12.6% | 6.6% | — |
| FBK | $2.89B | 22.8 | 22.9% | 21.9% | 7.0% | — |
| TBBK | $2.86B | 13.7 | 20.8% | 161.7% | 29.4% | — |
| CUBI | — | — | — | — | — | — |
| TRMK | $2.30B | 10.5 | 42.6% | 28.0% | 10.7% | — |
| NBTB | — | 12.5 | 10.4% | 92.5% | 9.1% | — |
| FBNC | $2.11B | 19.0 | -3.6% | 164.2% | 6.9% | — |
| FRME | — | — | — | — | — | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement 11
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | · | · | · | · | · | $40M | $47M | $43M | $56M | |
| Interest Expense | · | · | $680M | $262M | $96M | $140M | $186M | $160M | $106M | |
| Interest Income | $1.36B | $1.33B | $1.37B | $885M | $781M | $543M | $464M | $418M | $373M | |
| Pretax Income | $288M | $224M | $331M | $291M | $441M | $190M | $108M | $91M | $124M | |
| Income Tax | $64M | $43M | $81M | $63M | $87M | $47M | $26M | $19M | $45M | |
| Net Income | $224M | $181M | $250M | $228M | $315M | $133M | $79M | $72M | $79M | |
| EPS (Basic) | $6.46 | $5.28 | $7.49 | $6.69 | $9.29 | $3.76 | $2.08 | $1.81 | $2.10 | |
| EPS (Diluted) | $6.26 | $5.09 | $7.32 | $6.51 | $8.91 | $3.74 | $2.05 | $1.78 | $1.97 | |
| Shares (Basic) | 32,393,487 | 31,509,179 | 31,435,647 | 32,632,751 | 32,312,262 | 31,506,699 | 31,183,841 | 31,570,118 | 30,659,320 | |
| Shares (Diluted) | 33,438,296 | 32,719,134 | 32,158,788 | 33,547,706 | 33,697,547 | 31,727,784 | 31,646,216 | 32,233,098 | 32,596,677 | |
| EBITDA | $42M | $34M | $32M | $27M | $22M | $31M | $23M | · | $11M |
Balance Sheet 18
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $4.41B | $3.79B | $3.85B | $456M | $518M | $693M | $213M | $62M | $146M | |
| PP&E (Net) | $17M | $7M | $7M | $9M | $9M | $11M | $9M | $11M | $12M | |
| PP&E (Gross) | $45M | $31M | $30M | $29M | $31M | $33M | $31M | $30M | $29M | |
| Accum. Depreciation | $106M | $25M | $22M | $20M | $22M | $22M | $22M | $19M | $17M | |
| Total Assets | $24.90B | $22.31B | $21.32B | $20.90B | $19.58B | $18.44B | $11.52B | $9.83B | $9.84B | |
| Short-term Debt | $0 | $100M | $0 | $300M | $775M | $1.10B | $1.04B | $1.44B | $1.77B | |
| Deferred Tax | · | · | · | · | · | · | $12M | · | · | |
| Total Liabilities | $22.78B | $20.47B | $19.68B | $19.49B | $18.21B | $17.32B | $10.47B | $8.88B | $8.92B | |
| Long-term Debt | · | · | · | · | $0 | $4.42B | $350M | $0 | · | |
| Total Debt | $0 | $100M | $0 | $300M | $775M | $1.10B | $1.04B | · | $1.77B | |
| Common Stock | $36M | $36M | $35M | $35M | $35M | $33M | $33M | $32M | $32M | |
| Paid-in Capital | $667M | $575M | $565M | $552M | $542M | $456M | $444M | $434M | $422M | |
| Retained Earnings | $1.54B | $1.33B | $1.16B | $924M | $706M | $439M | $382M | $317M | $258M | |
| Treasury Stock | $69M | $142M | $122M | $83M | $49M | $22M | $22M | $21M | $8M | |
| AOCI | $-54M | $-97M | $-137M | $-163M | $-5M | $-6M | $-1M | $-23M | $-359.0K | |
| Stockholders' Equity | $2.12B | $1.84B | $1.64B | $1.40B | $1.37B | $1.12B | $1.05B | $957M | $921M | |
| Liabilities + Equity | $24.90B | $22.31B | $21.32B | $20.90B | $19.58B | $18.44B | $11.52B | $9.83B | $9.84B | |
| Shares Outstanding | 34,191,223 | 31,346,507 | 31,440,906 | 32,373,697 | 32,913,267 | 31,705,088 | 31,336,791 | 31,003,028 | 31,382,503 |
Cash Flow 17
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $42M | $34M | $32M | $27M | $22M | $19M | $14M | $14M | $11M | |
| Stock-based Comp | $18M | $14M | $13M | $14M | $14M | $13M | $10M | $10M | $7M | |
| Deferred Tax | $-11M | $-1M | $22M | $7M | $18M | $-16M | $10M | $9M | $15M | |
| Other Non-cash | $221M | $-83M | $-192M | $-297M | $-72M | $-25M | $-48M | · | $-49M | |
| Operating Cash Flow | $495M | $145M | $125M | $-21M | $296M | $133M | $41M | $97M | $62M | |
| CapEx | $14M | $1M | $590.0K | $4M | $613.0K | $5M | $2M | $2M | $2M | |
| Investing Cash Flow | $-2.06B | $-1.01B | $3.16B | $-1.30B | $-1.20B | $-6.42B | $-1.44B | $-104M | $-565M | |
| Debt Issued | · | · | · | · | · | · | · | $0 | $99M | |
| Net Debt Issued | · | · | · | · | · | · | · | · | $99M | |
| Stock Issued | $166M | $2M | $3M | $533.0K | $28M | $923.0K | $2M | $4M | $3M | |
| Stock Repurchased | $6M | $19M | $40M | $33M | $28M | $0 | $571.0K | $13M | $0 | |
| Net Stock Activity | $160M | $-17M | $-37M | $-33M | $100.0K | $923.0K | $2M | · | $3M | |
| Financing Cash Flow | $2.19B | $801M | $108M | $1.26B | $755M | $6.77B | $1.52B | $-78M | $385M | |
| Net Change in Cash | $626M | $-60M | $3.39B | $-62M | $-175M | $481M | $150M | $-84M | $-118M | |
| Taxes Paid | $36M | $58M | $45M | $80M | $94M | $3M | $7M | $5M | $40M | |
| Free Cash Flow | $481M | $144M | $124M | $-25M | $295M | $128M | $77M | · | $60M | |
| Levered FCF | · | · | $-390M | $-230M | $218M | $23M | $-68M | · | $-7M |
Profitability 5
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 27.4% | 25.4% | 33.0% | 34.8% | 41.2% | 329.9% | 169.8% | · | 22.8% | |
| Pretax Margin | 35.2% | 31.4% | 43.6% | 44.4% | 57.8% | 437.8% | 218.6% | · | 35.8% | |
| EBITDA Margin | 5.1% | 4.7% | 4.2% | 4.1% | 2.8% | 76.0% | 49.0% | · | 3.1% | |
| ROA | 0.95% | 0.83% | 1.2% | 1.1% | 1.7% | 0.89% | 0.74% | · | · | |
| ROE | 11.3% | 10.0% | 15.6% | 16.4% | 23.7% | 12.2% | 7.7% | · | · |
Liquidity & Solvency 1
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.0 | 0.1 | 0.0 | 0.2 | 0.6 | 1.0 | 1.0 | · | · |
Efficiency 1
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | · | · |
Growth Rates 6
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| EPS YoY | 23.0% | -30.5% | 12.4% | -26.9% | 138.2% | · | · | · | · | |
| EPS CAGR 3Y | -1.3% | -17.0% | 25.1% | · | · | · | · | · | · | |
| EPS CAGR 5Y | 10.8% | · | · | · | · | · | · | · | · | |
| Net Income YoY | 23.5% | -27.5% | 9.7% | -27.5% | 137.3% | · | · | · | · | |
| Net Income CAGR 3Y | -0.58% | -16.8% | 23.6% | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 11.1% | · | · | · | · | · | · | · | · |
Valuation (TTM) 14
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $43M | $43M | $43M | $43M | $43M | $40M | $47M | $43M | $56M | |
| Net Income TTM | $224M | $181M | $250M | $228M | $315M | $133M | $79M | $72M | $79M | |
| Market Cap | $760M | $608M | $610M | $667M | $884M | $812M | $793M | · | · | |
| Enterprise Value | $-3.65B | $-3.08B | $-3.24B | $511M | $1.14B | $1.22B | $1.62B | · | · | |
| P/E | 3.5 | 3.8 | 2.7 | 3.2 | 3.0 | 6.9 | 12.3 | · | · | |
| P/S | 17.5 | 14.0 | 14.1 | 15.4 | 20.4 | 20.2 | 17.0 | · | · | |
| P/B | 0.4 | 0.3 | 0.4 | 0.5 | 0.6 | 0.7 | 0.8 | · | · | |
| P / Tangible Book | 0.4 | 0.3 | 0.4 | 0.5 | 0.6 | 0.7 | · | · | · | |
| P / Cash Flow | 1.5 | 4.2 | 4.9 | -32.0 | 3.0 | 6.1 | 10.1 | · | · | |
| P / FCF | 1.6 | 4.2 | 4.9 | -26.8 | 3.0 | 6.3 | 10.3 | · | · | |
| EV / EBITDA | -87.4 | -91.7 | -101.7 | 18.8 | 52.7 | 39.9 | 70.7 | · | · | |
| EV / FCF | -7.6 | -21.4 | -26.1 | -20.5 | 3.9 | 9.5 | 21.1 | · | · | |
| EV / Revenue | -84.1 | -70.9 | -74.6 | 11.8 | 26.3 | 30.3 | 34.6 | · | · | |
| Earnings Yield | 28.2% | 26.2% | 37.7% | 31.6% | 33.2% | 14.6% | 8.1% | · | · |
Income Statement 10
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | $166M | $171M | · | $177M | $165M | $165M | $135M | $77M | |
| Interest Income | $345M | $336M | $355M | $361M | $328M | $315M | $330M | $332M | $334M | $332M | $346M | $376M | $330M | $315M | $270M | $236M | |
| Pretax Income | $89M | $90M | $97M | $100M | $79M | $12M | $36M | $46M | $77M | $65M | $84M | $110M | $68M | $68M | $36M | $82M | |
| Income Tax | $18M | $21M | $23M | $25M | $18M | $-1M | $9M | $-725.0K | $19M | $16M | $22M | $23M | $21M | $15M | $7M | $18M | |
| Net Income | $72M | $70M | $74M | $76M | $61M | $13M | $27M | $47M | $58M | $50M | $62M | $87M | $48M | $54M | $29M | $64M | |
| EPS (Basic) | $2.12 | $2.04 | $2.11 | $2.28 | $1.77 | $0.30 | $0.74 | $1.36 | $1.72 | $1.46 | $1.85 | $2.65 | $1.41 | $1.58 | $0.80 | $1.89 | |
| EPS (Diluted) | $2.05 | $1.97 | $2.04 | $2.20 | $1.73 | $0.29 | $0.72 | $1.31 | $1.66 | $1.40 | $1.80 | $2.58 | $1.39 | $1.55 | $0.80 | $1.85 | |
| Shares (Basic) | 33,796,369 | 34,080,834 | -62,980,339 | 32,340,813 | 31,585,390 | 31,447,623 | -63,181,757 | 31,567,797 | 31,649,715 | 31,473,424 | -62,928,262 | 31,290,581 | 31,254,125 | 31,819,203 | -65,492,712 | 32,455,814 | |
| Shares (Diluted) | 34,905,731 | 35,313,835 | -64,886,392 | 33,460,055 | 32,374,061 | 32,490,572 | -65,601,037 | 32,766,488 | 32,699,149 | 32,854,534 | -63,952,455 | 32,175,084 | 31,591,142 | 32,345,017 | -67,584,979 | 33,226,607 | |
| EBITDA | · | $14M | · | · | · | $16M | · | · | · | $8M | · | · | · | $9M | · | · |
Balance Sheet 16
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $4.18B | $4.80B | $4.41B | $4.19B | $3.50B | $3.43B | $3.79B | $3.09B | $3.05B | $3.70B | · | $3.42B | $3.16B | $2.05B | · | $404M | |
| PP&E (Net) | $20M | $16M | $17M | $15M | $6M | $7M | $7M | $7M | $7M | $7M | · | $8M | $8M | $9M | · | $7M | |
| PP&E (Gross) | · | · | $45M | · | · | · | $31M | · | · | · | · | · | · | · | · | · | |
| Accum. Depreciation | $122M | $117M | $28M | $100M | $98M | $99M | $25M | $89M | $81M | $79M | · | $73M | $67M | $60M | · | $54M | |
| Total Assets | $26.52B | $25.88B | $24.90B | $24.26B | $22.55B | $22.42B | $22.31B | $21.46B | $20.94B | $21.35B | · | $21.86B | $22.03B | $21.75B | · | $20.37B | |
| Short-term Debt | · | $70M | $0 | $50M | $100M | $100M | $100M | $0 | $0 | $0 | · | $0 | $0 | $0 | · | $365M | |
| Total Liabilities | $24.32B | $23.74B | $22.78B | $22.13B | $20.69B | $20.56B | $20.47B | $19.65B | $19.20B | $19.66B | · | $20.30B | $20.57B | $20.33B | · | $18.98B | |
| Total Debt | · | $70M | · | $50M | $100M | $100M | · | $0 | $0 | $0 | · | $0 | $0 | $0 | · | $365M | |
| Common Stock | $36M | $36M | $36M | $36M | $36M | $36M | $36M | $36M | $36M | $36M | · | $35M | $35M | $35M | · | $35M | |
| Paid-in Capital | $669M | $669M | $667M | $662M | $572M | $570M | $575M | $572M | $567M | $567M | · | $559M | $556M | $552M | · | $549M | |
| Retained Earnings | $1.68B | $1.60B | $1.54B | $1.47B | $1.39B | $1.34B | $1.33B | $1.30B | $1.26B | $1.21B | · | $1.10B | $1.02B | $974M | · | $899M | |
| Treasury Stock | $118M | $111M | $69M | $69M | $147M | $147M | $142M | $141M | $122M | $122M | · | $122M | $122M | $122M | · | $77M | |
| AOCI | $-58M | $-55M | $-54M | $-51M | $-71M | $-68M | $-97M | $-106M | $-131M | $-132M | · | $-150M | $-168M | $-156M | · | $-156M | |
| Stockholders' Equity | $2.21B | $2.14B | $2.12B | $2.13B | $1.86B | $1.86B | $1.84B | $1.80B | $1.75B | $1.69B | $1.64B | $1.56B | $1.46B | $1.42B | $1.40B | $1.39B | |
| Liabilities + Equity | $26.52B | $25.88B | $24.90B | $24.26B | $22.55B | $22.42B | $22.31B | $21.46B | $20.94B | $21.35B | · | $21.86B | $22.03B | $21.75B | · | $20.37B | |
| Shares Outstanding | 33,772,598 | 33,692,632 | 34,191,223 | 34,163,506 | 31,606,934 | 31,479,132 | 31,346,507 | 31,342,107 | 31,667,655 | 31,521,931 | 31,440,906 | 31,311,254 | 31,282,318 | 31,239,750 | 32,373,697 | 32,475,502 |
Cash Flow 14
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $14M | $14M | $13M | $2M | $12M | $16M | $9M | $10M | $6M | $8M | $8M | $8M | $8M | $9M | $7M | $7M | |
| Stock-based Comp | $6M | $6M | $5M | $4M | $4M | $4M | $4M | $4M | $3M | $4M | $3M | $4M | $4M | $3M | $3M | $3M | |
| Deferred Tax | $507.0K | $3M | $2M | $-2M | $14M | $-25M | $-446.0K | $-168.0K | $-253.0K | $-276.0K | $178.0K | $19M | $-16M | $19M | $7M | $18M | |
| Other Non-cash | · | $-58M | · | · | · | $86M | · | · | · | $-80M | · | · | · | $-67M | · | · | |
| Operating Cash Flow | $107M | $35M | $122M | $117M | $162M | $94M | $133M | $24M | $6M | $-19M | $-118M | $136M | $89M | $18M | $-296M | $109M | |
| CapEx | $1M | $49.0K | $2M | $10M | $86.0K | $686.0K | $499.0K | $256.0K | $318.0K | $418.0K | $69.0K | $367.0K | $24.0K | $130.0K | $3M | $267.0K | |
| Investing Cash Flow | $-1.30B | $-626M | $-412M | $-1.03B | $-119M | $-500M | $-261M | $-387M | $-195M | $-163M | $1.16B | $397M | $795M | $805M | $-213M | $15M | |
| Stock Issued | $420.0K | $246.0K | $-37.0K | $165M | $488.0K | $645.0K | $250.0K | $734.0K | $296.0K | $481.0K | $3M | $164.0K | $105.0K | $55.0K | $86.0K | $123.0K | |
| Stock Repurchased | $7M | $43M | $0 | $0 | $0 | $6M | $1M | $18M | $0 | $0 | $0 | $0 | $0 | $40M | $5M | $0 | |
| Net Stock Activity | · | $-42M | · | · | · | $-5M | · | · | · | $481.0K | · | · | · | $-40M | · | · | |
| Financing Cash Flow | $570M | $978M | $516M | $1.59B | $32M | $49M | $826M | $402M | $-463M | $37M | $-616M | $-268M | $224M | $769M | $560M | $35M | |
| Net Change in Cash | $-619M | $387M | $226M | $682M | $75M | $-357M | $698M | $39M | $-653M | $-145M | $426M | $265M | $1.11B | $1.59B | $51M | $159M | |
| Free Cash Flow | · | $35M | · | · | · | $93M | · | · | · | $-19M | · | · | · | $17M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $-150M | · | · | · | $-112M | · | · |
Profitability 5
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 31.5% | 30.9% | · | 32.6% | 29.5% | 9.0% | · | 28.0% | 29.2% | 27.4% | · | 39.9% | 26.2% | 32.0% | · | 42.6% | |
| Pretax Margin | 39.3% | 40.0% | · | 43.2% | 38.2% | 8.3% | · | 27.5% | 38.8% | 36.0% | · | 50.7% | 37.7% | 40.6% | · | 54.5% | |
| EBITDA Margin | · | 6.3% | · | · | · | 10.9% | · | · | · | 4.5% | · | · | · | 5.3% | · | · | |
| ROA | 0.29% | 0.29% | · | 0.33% | 0.28% | 0.06% | · | 0.22% | 0.27% | 0.23% | · | 0.41% | 0.23% | 0.26% | · | 0.32% | |
| ROE | 3.5% | 3.5% | · | 3.9% | 3.4% | 0.73% | · | 2.8% | 3.6% | 3.2% | · | 5.9% | 3.4% | 3.8% | · | 4.8% |
Liquidity & Solvency 1
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | · | 0.0 | · | 0.0 | 0.1 | 0.1 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.3 |
Efficiency 1
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Valuation (TTM) 14
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $43M | $43M | · | $43M | $43M | $43M | · | $43M | $43M | $43M | · | $43M | $43M | $43M | · | $43M | |
| Net Income TTM | $278M | $219M | · | $196M | $179M | $167M | · | $241M | $242M | $238M | · | $217M | $194M | $205M | · | $300M | |
| Market Cap | $728M | $758M | · | $733M | $626M | $620M | · | $631M | $615M | $624M | · | $556M | $560M | $508M | · | $659M | |
| Enterprise Value | · | $-3.97B | · | $-3.40B | $-2.78B | $-2.71B | · | $-2.46B | $-2.43B | $-3.08B | · | $-2.86B | $-2.59B | $-1.54B | · | $620M | |
| P/E | 2.7 | 3.6 | · | 3.9 | 4.0 | 4.2 | · | 2.9 | 2.8 | 2.9 | · | 2.8 | 3.2 | 2.8 | · | 2.4 | |
| P/S | 16.8 | 17.5 | · | 16.9 | 14.4 | 14.3 | · | 14.5 | 14.2 | 14.4 | · | 12.8 | 12.9 | 11.7 | · | 15.2 | |
| P/B | 0.3 | 0.4 | · | 0.3 | 0.3 | 0.3 | · | 0.4 | 0.4 | 0.4 | · | 0.4 | 0.4 | 0.4 | · | 0.5 | |
| P / Tangible Book | 0.3 | 0.4 | · | 0.3 | 0.3 | 0.3 | · | 0.4 | 0.4 | 0.4 | · | 0.4 | 0.4 | 0.4 | · | 0.5 | |
| P / Cash Flow | · | 21.6 | · | · | · | 6.6 | · | · | · | -33.1 | · | · | · | 28.9 | · | · | |
| P / FCF | · | 21.6 | · | · | · | 6.6 | · | · | · | -32.4 | · | · | · | 29.2 | · | · | |
| EV / EBITDA | · | -278.9 | · | · | · | -173.2 | · | · | · | -373.2 | · | · | · | -174.2 | · | · | |
| EV / FCF | · | -113.4 | · | · | · | -29.0 | · | · | · | 160.0 | · | · | · | -88.4 | · | · | |
| EV / Revenue | · | -91.5 | · | -78.4 | -64.0 | -62.4 | · | -56.6 | -56.1 | -70.9 | · | -66.0 | -59.8 | -35.5 | · | 14.3 | |
| Earnings Yield | 36.9% | 27.5% | · | 25.8% | 25.2% | 23.7% | · | 34.5% | 36.2% | 35.0% | · | 35.4% | 31.0% | 36.0% | · | 42.3% |
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
Income Statement
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Net Income | $224M | $181M | $250M | $228M | $315M |
| Diluted EPS | $6.26 | $5.09 | $7.32 | $6.51 | $8.91 |
Balance Sheet
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Debt / Equity | 0.0 | 0.1 | 0.0 | 0.2 | 0.6 |
Cash Flow
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Free Cash Flow | $481M | $144M | $124M | $-25M | $295M |
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Institutional owners (13F) 1 filer · $864K total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 0 (0 vs prior Q) | 0 (0 vs prior Q) | 0 (0 vs prior Q) | 0 (0 vs prior Q) | 0 |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| IAT REINSURANCE CO LTD. | $863,996 | 40,000 | 100.00% | Shares |
Company insiders 18 insiders · 6 officers · 11 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Samvir S. Sidhu | CEO | April 8, 2026 A | 539,305 | 0 | 0 | $0 |
| Mark R Mccollom | Chief Financial Officer | April 8, 2026 A | 5,082 | 0 | 0 | $0 |
| Lyle Cunningham | Chief Banking Officer | May 29, 2026 M | 19,854 | 0 | 1 | $-3,594,987 |
| Nicholas John Robinson | Chief Risk Officer | March 13, 2026 A | 13,714 | 0 | 0 | $0 |
| Thomas Henry Kasulka | Chief Credit Officer | March 13, 2026 A | 22,972 | 0 | 0 | $0 |
| Philip Watkins | EVP, Head of Corp Development | March 13, 2026 A | 47,934 | 0 | 0 | $0 |
| Dalton Talley Sirmans | Director | June 15, 2026 A | 2,760 | 0 | 0 | $0 |
| Robert Morris Krasne | Director | June 15, 2026 A | 2,461 | 0 | 0 | $0 |
| Susan Dianne Looney | Director | June 15, 2026 A | 1,768 | 0 | 0 | $0 |
| Robert Neil Mackay | Director | June 15, 2026 A | 10,335 | 0 | 0 | $0 |
| Bernard Bennett Banks | Director | June 15, 2026 A | 9,912 | 0 | 0 | $0 |
| Mike Gill | Director | June 15, 2026 A | 1,685 | 0 | 0 | $0 |
| Steven J Zuckerman | Director | June 15, 2026 A | 73,648 | 0 | 0 | $0 |
| Lawrence T Way | Director | June 15, 2026 A | 126,562 | 0 | 0 | $0 |
| Robert J Buford | Director | June 15, 2026 A | 24,473 | 0 | 0 | $0 |
| Daniel K Rothermel | Director | June 15, 2026 A | 115,561 | 0 | 0 | $0 |
| Andrea R. Allon | — | Aug. 13, 2026 S | 30,034 | 0 | 1 | $-828,100 |
| Jay S Sidhu | — | Aug. 3, 2026 S | 667,757 | 0 | 4 | $-12,578,896 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
Activists & 5%+ owners 1 position
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| Customers Bancorp, Inc. (“CBI”) | Aug. 20, 2012 | — | Initial filing | M&A / sale | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.