CUBICustomers Bancorp, Inc.

$2B

FY 2019 Earnings

Financial Services Banks - Regional

Income Statement

Revenue

$496M+4.5% YoY

Gross Profit

$285M57.5% margin

Operating Income

$108M21.7% margin

Net Income

$79M16.0% margin

EPS (Diluted)

$2.05

Cash Flow

Operating Cash Flow

$78M

Free Cash Flow

$28M

Stock-Based Comp.

$10M

Balance Sheet

Total Assets

$11.5B

Total Liabilities

$10.5B

Stockholders' Equity

$1.1B

Cash & Equivalents

$213M

Year-over-Year Comparison

Metric	Current	Year Ago	Change
Revenue	$496M	$475M	+4.5%
Gross Profit	$285M	$309M	-7.6%
Operating Income	$108M	$91M	+18.4%
Net Income	$79M	$72M	+10.6%

CUBI FY 2019 Earnings — Customers Bancorp, Inc. Revenue & Financial Results | Market Cap Arena