CUBI Q4 2018 Earnings — Customers Bancorp, Inc. Revenue & Financial Results | Market Cap Arena

CUBICustomers Bancorp, Inc.

$2B

Q4 2018 Earnings

Financial Services Banks - Regional

Income Statement

Revenue

$123M+5.1% YoY

Gross Profit

$80M64.9% margin

Operating Income

$23M18.7% margin

Net Income

$18M14.5% margin

EPS (Diluted)

$0.44

QoQ Revenue Growth

+10.0%

Cash Flow

Operating Cash Flow

-$891,000

Free Cash Flow

-$15M

Stock-Based Comp.

$3M

Balance Sheet

Total Assets

$9.8B

Total Liabilities

$8.9B

Stockholders' Equity

$957M

Cash & Equivalents

$62M

Year-over-Year Comparison

Metric	Current	Year Ago	Change
Revenue	$123M	$117M	+5.1%
Gross Profit	$80M	$87M	-8.1%
Operating Income	$23M	$32M	-29.1%
Net Income	$18M	$22M	-17.4%

Revenue Segments

Credit and Debit Card

$17M80%

Deposit Account

$4M20%