Customers Bancorp (CUBI) Financials

The income statement of Customers Bancorp Inc (CUBI) provides a snapshot of the company's financial performance over a specific period. It shows the revenue generated, expenses incurred, and the resulting net income. In the case of CUBI, the income statement reflects the company's profitability.

The EBIT (earnings before interest and taxes) is a key measure of a company's operating performance. It represents the profit generated from core operations before deducting interest and tax expenses. CUBI's EBIT provides insights into the company's operating efficiency and profitability.

EBITDA (earnings before interest, taxes, depreciation, and amortization) is a measure commonly used to assess a company's operating performance as it excludes non-cash expenses such as depreciation and amortization. CUBI's EBITDA provides a clearer understanding of the company's cash flow and operating efficiency.

The gross profit of Customers Bancorp Inc (CUBI) represents the revenue generated from sales after deducting the cost of goods sold. It provides insights into the company's ability to generate profits from its core operations.

Net income from stockholders refers to the profit earned by the company that is attributable to the stockholders. It is calculated by deducting dividends and preferred stock dividends from the net income. CUBI's net income from stockholders reflects the profitability enjoyed by the company's stockholders.

Total revenue represents the overall income generated by the company from all its revenue streams. It includes revenue from various sources such as interest income, fees, and commissions. CUBI's total revenue provides an overview of the company's overall financial performance.

The balance sheet is a financial statement that provides a snapshot of a company's financial position at a specific point in time. It shows the company's assets, liabilities, and stockholders' equity. CUBI's balance sheet provides insights into the company's financial health and stability.

Cash equivalents refer to highly liquid assets that can be easily converted into cash. They include short-term investments, treasury bills, and money market funds. CUBI's cash equivalents represent the company's ability to meet its short-term financial obligations.

Net debt refers to a company's total debt minus its cash and cash equivalents. It reflects the company's ability to repay its debt using its available cash resources. CUBI's net debt provides insights into the company's debt repayment capacity.

Stockholders' equity represents the residual interest in the assets of a company after deducting liabilities. It represents the shareholders' ownership in the company. CUBI's stockholders' equity reflects the value of the company as perceived by its shareholders.

Total assets represent the sum of a company's current and non-current assets. It includes cash, accounts receivable, investments, and property, among others. CUBI's total assets provide an overview of the company's resources and its ability to generate future income.

Total debt represents the sum of a company's short-term and long-term liabilities. It includes borrowings, loans, and other financial obligations. CUBI's total debt provides insights into the company's financial leverage and its ability to meet its debt obligations.

Total liabilities include all of a company's financial obligations, including both short-term and long-term liabilities. It includes accounts payable, accrued expenses, and long-term debt. CUBI's total liabilities provide insights into the company's financial obligations and its ability to meet them.

The cash flow statement provides information about the cash generated and used by the company during a specific period. It includes operating, investing, and financing activities. CUBI's cash flow statement helps investors and analysts understand the sources and uses of the company's cash resources.

The financing cash flow represents the cash flows resulting from the company's financing activities. It includes cash inflows from issuing debt or equity and cash outflows from repaying debt or dividends. CUBI's financing cash flow helps investors understand the company's financial structure and its ability to raise capital.

Free cash flow represents the cash generated by the company after deducting capital expenditures. It is a measure of the company's ability to generate cash for discretionary purposes such as dividend payments, share repurchases, or debt reduction. CUBI's free cash flow provides insights into the company's financial flexibility and its ability to invest in growth opportunities.

The investing cash flow represents the cash flows resulting from the company's investing activities. It includes cash inflows from the sale of assets and cash outflows from the purchase of assets or investments. CUBI's investing cash flow helps investors understand the company's investment strategies and its ability to generate returns.

The operating cash flow represents the cash generated by the company's core operations, excluding financing and investing activities. It is a measure of the company's ability to generate cash from its day-to-day operations. CUBI's operating cash flow provides insights into the company's cash generation ability and its ability to fund its operations.