米国企業
Customers Bancorp, Inc.

Customers Bancorp, Inc.CUBI

時価総額

$15.4億

PER

6.1倍

	2011年 12月31日	2012年 12月31日	2013年 12月31日	2014年 12月31日	2015年 12月31日	2016年 12月31日	2017年 12月31日	2018年 12月31日	2019年 12月31日	2020年 12月31日	2021年 12月31日	2022年 12月31日	2023年 12月31日
Loans and leases	47	86	83	146	182	233	267	373	431	512	737	745	-
Loans and leases	-	-	-	-	-	-	-	-	-	-	-	-	997
Investment securities	-	-	6	10	10	14	25	33	24	24	40	119	201
Interest earning deposits	-	-	-	-	-	-	-	-	-	-	-	11	126
Other	1	0	0	3	6	5	8	12	9	7	4	10	8
Loans held for sale	-	-	38	31	52	69	73	-	-	-	-	-	36
Total interest income	61	94	128	190	250	323	373	418	464	543	781	885	1,367
Other	1	0	0	3	6	5	8	12	9	7	4	10	8
Total interest income	61	94	128	190	250	323	373	418	464	543	781	885	1,367
Deposits	22	21	21	24	34	48	68	111	141	92	63	226	576
FHLB advances	-	-	1	5	7	12	21	31	27	22	6	11	80
Subordinated debt	0	0	-	4	7	7	7	7	7	11	11	11	11
FRB advances	-	-	-	-	-	-	-	-	-	-	-	-	6
Other borrowings	-	-	-	-	6	6	10	11	-	-	-	13	6
Subordinated debt	0	0	-	4	7	7	7	7	7	11	11	11	11
Total interest expense	22	22	24	39	54	73	106	160	186	140	96	262	680
Other borrowings	-	-	-	-	6	6	10	11	-	-	-	13	6
Total interest expense	22	22	24	39	54	73	106	160	186	140	96	262	680
Net interest income	39	72	103	152	196	250	267	258	277	404	685	624	687
Provision for credit losses	-	-	-	-	-	-	-	-	-	-	-	60	75
Net interest income after provision for credit losses	30	56	101	137	176	247	261	252	253	341	658	564	613
Interchange and card revenue	-	-	-	-	-	-	-	31	29	26	0	0	-
Deposit fees	-	-	-	-	-	-	-	8	13	14	4	4	-
Non-interest income	-	-	-	-	-	-	-	-	47	40	-	-	-
Commercial lease income	-	-	-	-	-	-	-	-	12	18	21	28	36
Commercial lease income	-	-	-	-	-	-	-	-	12	18	21	28	36
Loan fees	-	-	-	-	-	-	-	-	-	-	8	12	20
Bank-owned life insurance	1	1	2	4	7	5	7	8	7	7	8	16	12
Fees Mortgage Warehouse Lending	-	-	13	8	10	12	9	7	7	12	13	7	4
Gain On Sale Of Mortgages And Other Loans	-	-	-	5	4	4	5	4	3	2	11	3	-
Gain (loss) on sale of SBA and other loans	-	-	-	-	-	-	-	-	-	-	-	-	-1
Gain (Loss) on Sales of Consumer Loans	-	-	-	-	-	-	-	-	-	-	-	-23	-
Loss on sale of capital call lines of credit	-	-	-	-	-	-	-	-	-	-	-	-	-5
Loan fees	-	-	-	-	-	-	-	-	-	-	8	12	20
Gain (Loss) on Sales of Consumer Loans	-	-	-	-	-	-	-	-	-	-	-	-23	-
Mortgage banking income	-	-	1	2	1	1	1	1	0	2	2	1	-
Net gain (loss) on sale of investment securities	-	-	-	-	-	-	-	-	1	20	31	-23	-1
Net gain (loss) on sale of investment securities	-	-	-	-	-	-	-	-	1	20	31	-23	-1
Loss on sale of foreign subsidiaries	-	-	-	-	-	-	-	-	-	-	-3	-	-
Debt Securities, Unrealized Gain (Loss)	-	-	-	-	-	-	-	-	1	1	3	-1	-
Loss on cash flow hedge derivative terminations	-	-	-	-	-	-	-	-	-	-	-24	-	-
Loss on sale of foreign subsidiaries	-	-	-	-	-	-	-	-	-	-	-3	-	-
Legal settlement gain	-	-	-	-	-	-	-	-	-	-	-	8	-
Unrealized gain (loss) on derivatives	-	-	-	-	-	-	-	-	-	-	3	2	-
Other	1	6	4	4	5	8	10	15	15	5	1	-1	5
Loss on cash flow hedge derivative terminations	-	-	-	-	-	-	-	-	-	-	-24	-	-
Total non-interest income	14	31	23	25	28	23	79	59	81	102	78	32	71
Legal settlement gain	-	-	-	-	-	-	-	-	-	-	-	8	-
Other	1	6	4	4	5	8	10	15	15	5	1	-1	5
Total non-interest income	14	31	23	25	28	23	79	59	81	102	78	32	71
Labor and Related Expense	17	24	35	46	59	68	96	105	108	126	108	112	133
Communications and Information Technology	3	3	4	6	11	13	46	44	43	53	84	85	66
Professional Fees	5	3	6	8	11	11	28	20	25	27	27	27	35
Commercial lease depreciation	-	-	-	-	-	-	-	-	9	15	18	23	30
Occupancy	3	7	9	11	9	10	11	12	13	13	12	14	10
Professional Fees	5	3	6	8	11	11	28	20	25	27	27	27	35
Commercial lease depreciation	-	-	-	-	-	-	-	-	9	15	18	23	30
Loan servicing	-	-	-	-	-	-	-	-	-	-	11	15	17
Fdic Assessments Taxes And Regulatory Fees	-	-	6	12	11	13	8	9	6	12	10	9	35
Occupancy	3	7	9	11	9	10	11	12	13	13	12	14	10
Loan servicing	-	-	-	-	-	-	-	-	-	-	11	15	17
Fdic Assessments Taxes And Regulatory Fees	-	-	6	12	11	13	8	9	6	12	10	9	35
Advertising and promotion	1	1	1	1	1	1	1	2	4	2	2	3	3
Merger and acquisition related expenses	1	0	0	-	-	-	0	4	0	2	0	-	-
Deposit relationship adjustment fees	-	-	-	-	-	-	-	-	-	-	6	-	-
Loan workout	-	-	2	2	1	2	2	2	2	3	0	1	-
Legal Fees	-	-	-	-	-	-	-	-	-	-	-	-	4
Deposit relationship adjustment fees	-	-	-	-	-	-	-	-	-	-	6	-	-
Other	3	6	7	9	10	12	16	11	11	9	17	16	19
Other	3	6	7	9	10	12	16	11	11	9	17	16	19
Total non-interest expense	37	51	74	99	115	131	216	220	232	267	294	305	353
Total non-interest expense	37	51	74	99	115	131	216	220	232	267	294	305	353
Income before income tax expense	6	36	50	63	88	139	124	91	102	176	441	291	331
Income tax expense	2	12	18	20	30	51	45	19	23	43	87	63	81
Net income from continuing operations	-	-	-	-	-	88	79	72	-	-	354	228	250
Loss from discontinued operations before income tax expense	-	-	-	-	-	-15	-	-	-	-	-20	-	-
Income tax expense from discontinued operations	-	-	-	-	-	-6	-	-	-	-	19	-	-
Net loss from discontinued operations	-	-	-	-	-	-9	-	-	-	-	-40	-	-
Net income	4	24	33	43	59	79	79	72	79	133	315	228	250
Preferred stock dividends	0	-	-	-	2	10	14	14	14	14	12	10	15
Preferred Stock Redemption Premium	-	-	-	-	-	-	-	-	-	-	3	-	-
Net income available to common shareholders	4	24	33	-	56	69	64	57	65	119	300	218	235
Net income available to common shareholders	-	-	-	-	-	-	-	-	-	-	-	218	235
Income (Loss) from Continuing Operations, Per Basic Share	-	-	-	-	-	2.83	-	-	-	-	10.51	6.69	7.49
Earnings Per Share, Basic	0.4	1.78	1.47	1.62	2.09	2.51	2.1	1.81	2.08	3.76	9.29	6.69	7.49
Income (Loss) from Continuing Operations, Per Diluted Share	-	-	-	-	-	2.61	-	-	-	-	10.08	6.51	7.32
Earnings Per Share, Diluted	0.39	1.73	1.43	1.55	1.96	2.31	1.97	1.78	2.05	3.74	8.91	6.51	7.32
Loans and leases	47	86	83	146	182	233	267	373	431	512	737	745	-
Loans and leases	-	-	-	-	-	-	-	-	-	-	-	-	997
Investment securities	-	-	6	10	10	14	25	33	24	24	40	119	201
Interest earning deposits	-	-	-	-	-	-	-	-	-	-	-	11	126
Other	1	0	0	3	6	5	8	12	9	7	4	10	8
Loans held for sale	-	-	38	31	52	69	73	-	-	-	-	-	36
Total interest income	61	94	128	190	250	323	373	418	464	543	781	885	1,367
Other	1	0	0	3	6	5	8	12	9	7	4	10	8
Total interest income	61	94	128	190	250	323	373	418	464	543	781	885	1,367
Deposits	22	21	21	24	34	48	68	111	141	92	63	226	576
FHLB advances	-	-	1	5	7	12	21	31	27	22	6	11	80
Subordinated debt	0	0	-	4	7	7	7	7	7	11	11	11	11
FRB advances	-	-	-	-	-	-	-	-	-	-	-	-	6
Other borrowings	-	-	-	-	6	6	10	11	-	-	-	13	6
Subordinated debt	0	0	-	4	7	7	7	7	7	11	11	11	11
Total interest expense	22	22	24	39	54	73	106	160	186	140	96	262	680
Other borrowings	-	-	-	-	6	6	10	11	-	-	-	13	6
Total interest expense	22	22	24	39	54	73	106	160	186	140	96	262	680
Net interest income	39	72	103	152	196	250	267	258	277	404	685	624	687
Provision for credit losses	-	-	-	-	-	-	-	-	-	-	-	60	75
Net interest income after provision for credit losses	30	56	101	137	176	247	261	252	253	341	658	564	613
Interchange and card revenue	-	-	-	-	-	-	-	31	29	26	0	0	-
Deposit fees	-	-	-	-	-	-	-	8	13	14	4	4	-
Non-interest income	-	-	-	-	-	-	-	-	47	40	-	-	-
Commercial lease income	-	-	-	-	-	-	-	-	12	18	21	28	36
Commercial lease income	-	-	-	-	-	-	-	-	12	18	21	28	36
Loan fees	-	-	-	-	-	-	-	-	-	-	8	12	20
Bank-owned life insurance	1	1	2	4	7	5	7	8	7	7	8	16	12
Fees Mortgage Warehouse Lending	-	-	13	8	10	12	9	7	7	12	13	7	4
Gain On Sale Of Mortgages And Other Loans	-	-	-	5	4	4	5	4	3	2	11	3	-
Gain (loss) on sale of SBA and other loans	-	-	-	-	-	-	-	-	-	-	-	-	-1
Gain (Loss) on Sales of Consumer Loans	-	-	-	-	-	-	-	-	-	-	-	-23	-
Loss on sale of capital call lines of credit	-	-	-	-	-	-	-	-	-	-	-	-	-5
Loan fees	-	-	-	-	-	-	-	-	-	-	8	12	20
Gain (Loss) on Sales of Consumer Loans	-	-	-	-	-	-	-	-	-	-	-	-23	-
Mortgage banking income	-	-	1	2	1	1	1	1	0	2	2	1	-
Net gain (loss) on sale of investment securities	-	-	-	-	-	-	-	-	1	20	31	-23	-1
Net gain (loss) on sale of investment securities	-	-	-	-	-	-	-	-	1	20	31	-23	-1
Loss on sale of foreign subsidiaries	-	-	-	-	-	-	-	-	-	-	-3	-	-
Debt Securities, Unrealized Gain (Loss)	-	-	-	-	-	-	-	-	1	1	3	-1	-
Loss on cash flow hedge derivative terminations	-	-	-	-	-	-	-	-	-	-	-24	-	-
Loss on sale of foreign subsidiaries	-	-	-	-	-	-	-	-	-	-	-3	-	-
Legal settlement gain	-	-	-	-	-	-	-	-	-	-	-	8	-
Unrealized gain (loss) on derivatives	-	-	-	-	-	-	-	-	-	-	3	2	-
Other	1	6	4	4	5	8	10	15	15	5	1	-1	5
Loss on cash flow hedge derivative terminations	-	-	-	-	-	-	-	-	-	-	-24	-	-
Total non-interest income	14	31	23	25	28	23	79	59	81	102	78	32	71
Legal settlement gain	-	-	-	-	-	-	-	-	-	-	-	8	-
Other	1	6	4	4	5	8	10	15	15	5	1	-1	5
Total non-interest income	14	31	23	25	28	23	79	59	81	102	78	32	71
Labor and Related Expense	17	24	35	46	59	68	96	105	108	126	108	112	133
Communications and Information Technology	3	3	4	6	11	13	46	44	43	53	84	85	66
Professional Fees	5	3	6	8	11	11	28	20	25	27	27	27	35
Commercial lease depreciation	-	-	-	-	-	-	-	-	9	15	18	23	30
Occupancy	3	7	9	11	9	10	11	12	13	13	12	14	10
Professional Fees	5	3	6	8	11	11	28	20	25	27	27	27	35
Commercial lease depreciation	-	-	-	-	-	-	-	-	9	15	18	23	30
Loan servicing	-	-	-	-	-	-	-	-	-	-	11	15	17
Fdic Assessments Taxes And Regulatory Fees	-	-	6	12	11	13	8	9	6	12	10	9	35
Occupancy	3	7	9	11	9	10	11	12	13	13	12	14	10
Loan servicing	-	-	-	-	-	-	-	-	-	-	11	15	17
Fdic Assessments Taxes And Regulatory Fees	-	-	6	12	11	13	8	9	6	12	10	9	35
Advertising and promotion	1	1	1	1	1	1	1	2	4	2	2	3	3
Merger and acquisition related expenses	1	0	0	-	-	-	0	4	0	2	0	-	-
Deposit relationship adjustment fees	-	-	-	-	-	-	-	-	-	-	6	-	-
Loan workout	-	-	2	2	1	2	2	2	2	3	0	1	-
Legal Fees	-	-	-	-	-	-	-	-	-	-	-	-	4
Deposit relationship adjustment fees	-	-	-	-	-	-	-	-	-	-	6	-	-
Other	3	6	7	9	10	12	16	11	11	9	17	16	19
Other	3	6	7	9	10	12	16	11	11	9	17	16	19
Total non-interest expense	37	51	74	99	115	131	216	220	232	267	294	305	353
Total non-interest expense	37	51	74	99	115	131	216	220	232	267	294	305	353
Income before income tax expense	6	36	50	63	88	139	124	91	102	176	441	291	331
Income tax expense	2	12	18	20	30	51	45	19	23	43	87	63	81
Net income from continuing operations	-	-	-	-	-	88	79	72	-	-	354	228	250
Loss from discontinued operations before income tax expense	-	-	-	-	-	-15	-	-	-	-	-20	-	-
Income tax expense from discontinued operations	-	-	-	-	-	-6	-	-	-	-	19	-	-
Net loss from discontinued operations	-	-	-	-	-	-9	-	-	-	-	-40	-	-
Net income	4	24	33	43	59	79	79	72	79	133	315	228	250
Preferred stock dividends	0	-	-	-	2	10	14	14	14	14	12	10	15
Preferred Stock Redemption Premium	-	-	-	-	-	-	-	-	-	-	3	-	-
Net income available to common shareholders	4	24	33	-	56	69	64	57	65	119	300	218	235
Net income available to common shareholders	-	-	-	-	-	-	-	-	-	-	-	218	235
Income (Loss) from Continuing Operations, Per Basic Share	-	-	-	-	-	2.83	-	-	-	-	10.51	6.69	7.49
Earnings Per Share, Basic	0.4	1.78	1.47	1.62	2.09	2.51	2.1	1.81	2.08	3.76	9.29	6.69	7.49
Income (Loss) from Continuing Operations, Per Diluted Share	-	-	-	-	-	2.61	-	-	-	-	10.08	6.51	7.32
Earnings Per Share, Diluted	0.39	1.73	1.43	1.55	1.96	2.31	1.97	1.78	2.05	3.74	8.91	6.51	7.32