Customers Bancorp, Inc — Earnings Quality Grade C
CUBI · Financial Services
Some red flags
Screening Summary
管理层信号
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 47 days, change -10 days YoY
AR growth -4.4% vs revenue growth 16.6%
Revenue 16.6%, CFFO 241.1%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 147.1% is >2x revenue growth 16.6%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 2.21. Profits backed by cash
FCF < 50% of Net Income for 2 years
Accruals ratio = -1.1%. Low accruals
Cash $4.4B covers debt $1.7B
Balance Sheet Health
No goodwill. Clean balance sheet
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
No goodwill
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Customers Bancorp, Inc is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25