CUBICustomers Bancorp, Inc.

$2B

Q2 2019 Earnings

Financial Services Banks - Regional

Income Statement

Revenue

$123M+0.2% YoY

Gross Profit

$71M57.3% margin

Operating Income

$12M9.6% margin

Net Income

$9M7.5% margin

EPS (Diluted)

$0.18

QoQ Revenue Growth

+2.4%

Cash Flow

Operating Cash Flow

$9M

Free Cash Flow

$5M

Stock-Based Comp.

$3M

Balance Sheet

Total Assets

$11.2B

Total Liabilities

$10.2B

Stockholders' Equity

$991M

Cash & Equivalents

$96M

Year-over-Year Comparison

Metric	Current	Year Ago	Change
Revenue	$123M	$123M	+0.2%
Gross Profit	$71M	$84M	-15.4%
Operating Income	$12M	$30M	-61.3%
Net Income	$9M	$24M	-60.7%

Revenue Segments

Credit and Debit Card

$7M67%

Deposit Account

$3M33%

CUBI Q2 2019 Earnings — Customers Bancorp, Inc. Revenue & Financial Results | Market Cap Arena