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Customers Bancorp, Inc.

CUBI

$76.69 ▼ -0.68 (-0.88%) at close

18 Visible periods

33 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

Customers Bancorp, Inc. shows strong fundamentals with top-quartile Profit Margin (%) and Debt to Equity. The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $2.5B

Dividend Yield —

Revenue Growth 14.5% ↗

Op. Margin 35.2% ↗

ROIC None

FCF / Share None

Trailing P/E 11.9x

Price / Book 1.2x

FCF Yield —

Debt / Equity 0.00

info Valuation on last close. End-of-day price, Sep 23, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$818.31M

↑ +14.5% —

Net Income Profit after all expenses

$224.09M

↑ +23.5% —

Operating Margin Operating profit as % of sales

35.2%

↑ +12.3% 90th

Long-Term Debt Long-term obligations

$0.00

↓ -100.0% —

trending_up

Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)
Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial Health

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	14.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+141%)	-5.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-195%)	15.6% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+159%)	-14.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-334%)	51.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+749%)	41.1% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+585%)	13.1% Good → Good Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+118%)	-8.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-241%)	27.0% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+350%)	21.7% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+262%)	26.5% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+342%)	39.9% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+565%)	25.3% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+322%)	93.5% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1458%)	-19.6% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-427%)	692.9% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+11449%)	—	—
EPS Growth YoY (%)	22.3% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-29.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	12.0% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	-28.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	147.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	80.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	14.9% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-13.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-16.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	20.1% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	29.0% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	20.9% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	-24.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	345.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-89.4% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	—	—
Net Income Growth YoY (%)	23.5% Good ↑ Good Improving Year-over-year change in net income	-27.5% Weak ↓ Weak Declining Year-over-year change in net income	9.7% Fair ↓ Fair Declining Year-over-year change in net income	-27.5% Weak ↓ Weak Declining Year-over-year change in net income	137.3% Excellent ↑ Excellent Improving Year-over-year change in net income	67.1% Excellent ↑ Excellent Improving Year-over-year change in net income	10.6% Fair ↑ Fair Improving Year-over-year change in net income	-9.1% Weak ↓ Weak Declining Year-over-year change in net income	0.2% Caution ↓ Caution Declining Year-over-year change in net income	34.3% Excellent → Excellent Stable Year-over-year change in net income	35.6% Excellent ↓ Excellent Declining Year-over-year change in net income	32.2% Excellent ↓ Excellent Declining Year-over-year change in net income	37.3% Excellent ↓ Excellent Declining Year-over-year change in net income	490.4% Excellent Excellent Year-over-year change in net income	-83.0% Weak Weak Year-over-year change in net income	N/M	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	7.6% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	-2.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	14.5% Good ↓ Good Declining Compound annual revenue growth over 3 years	22.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	34.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	13.4% Good ↓ Good Declining Compound annual revenue growth over 3 years	9.5% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	12.3% Good ↓ Good Declining Compound annual revenue growth over 3 years	25.1% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	29.2% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	30.4% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	50.2% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	24.9% Excellent Excellent Compound annual revenue growth over 3 years	131.0% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	10.1% Good ↓ Good Declining Compound annual revenue growth over 5 years	14.8% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	19.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	13.6% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	22.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	17.7% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	15.1% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	20.1% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	27.9% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	39.2% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	28.1% Excellent Excellent Compound annual revenue growth over 5 years	84.9% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-1.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-17.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	25.8% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	47.6% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	72.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	21.4% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-6.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-4.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	9.0% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	23.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	5.5% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	59.4% Excellent Excellent Compound annual EPS growth over 3 years	-29.2% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	35.2% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+41%)	31.4% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	43.6% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+75%)	44.4% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+78%)	57.8% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+131%)	—	—	—	35.8% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+43%)	51.0% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+104%)	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	22.3% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.1% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.4% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.7% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.7% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	36.4% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	37.0% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	27.4% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	25.4% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+15%)	33.0% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+50%)	34.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+58%)	41.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+87%)	26.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	22.1% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	22.6% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	22.8% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	28.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+31%)	26.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	24.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+11%)	25.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+17%)	23.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	7.7% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-65%)	36.5% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+66%)	-161.5% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-834%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	10.6% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-12%)	9.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-18%)	15.3% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+27%)	16.3% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+35%)	23.0% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+92%)	11.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	7.5% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-37%)	7.5% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-38%)	8.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-29%)	9.2% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-23%)	10.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-12%)	9.8% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-19%)	8.5% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-30%)	8.8% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-26%)	2.7% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-77%)	22.6% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+88%)	-61.5% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-613%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	0.00x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.05x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-95%)	0.00x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.21x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-82%)	0.57x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-53%)	4.94x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+311%)	1.32x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+10%)	1.50x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+25%)	1.92x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+60%)	1.11x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-7%)	3.06x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+155%)	3.65x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+204%)	1.86x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+55%)	1.77x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+47%)	2.27x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+90%)	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$25.26	$22.69	$24.11	$20.10	$23.61	$16.04	$11.49	$10.04	$11.29	$9.88	$0.01	$0.01	$0.01	$0.01	$5.18	—	—	—
Basic EPS, GAAP (USD)	$6.46	$5.28	$7.49	$6.69	$9.29	$3.76	$2.08	$1.81	$2.10	$2.51	$2.09	$1.62	$1.34	$1.78	$0.40	$3.78	$-10.98	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Book Value per Share (USD)	$61.87	$58.59	$52.11	$43.34	$41.51	$35.23	$33.60	$30.86	$29.35	$28.26	$20.59	$16.57	$15.96	$14.60	$13.02	$12.52	—	—
Tangible Book Value per Share (USD)	$61.87	$58.59	$52.11	$43.34	$41.51	$35.23	$33.60	$30.86	$29.35	$28.26	$20.45	$16.43	$15.81	$14.40	$12.69	$12.52	—	—
Basic Weighted Avg Shares (shares)	32.39M	31.51M	31.44M	32.63M	32.31M	31.51M	31.18M	31.57M	30.66M	27.60M	26.84B	26.72B	24.49B	13.42B	10.07M	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	—	—	—	$0.00	$4.42B	$350.00M	$0.00	—	$180.00M	$260.00M	$320.00M	$95.00M	$60.00M	$11.00M	—	—	—
Total Equity (USD)	$2.12B	$1.84B	$1.64B	$1.40B	$1.37B	$1.12B	$1.05B	$956.82M	$920.96M	$855.87M	$553.90M	$443.14M	$386.62M	$269.48M	$147.75M	$105.14M	$21.50M	$16.85M

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$818.31M	$714.84M	$758.01M	$655.99M	$762.94M	$505.42M	$358.25M	$316.88M	$346.25M	$272.68M	$224.01M	$177.05M	$126.56M	$101.01M	$52.20M	$64.96M	$8.19M	—
Net Income, GAAP (USD)	$224.09M	$181.47M	$250.14M	$228.03M	$314.65M	$132.58M	$79.33M	$71.69M	$78.84M	$78.70M	$58.58M	$43.21M	$32.69M	$23.82M	$4.03M	$23.73M	$-13.23M	—
Operating Cash Flow (USD)	$494.76M	$145.06M	$124.73M	—	—	$133.03M	$78.28M	$97.47M	$62.19M	—	$-356.65M	$-542.50M	$722.03M	$-1.24B	$29.90M	$-221.55M	$-2.43M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	3.0%	2.9%	3.2%	3.0%	3.5%	2.2%	2.4%	2.6%	2.7%	2.7%	2.3%	2.2%	2.5%	2.2%	1.9%	1.4%	—	—
Efficiency Ratio (%) (%)	52.8%	58.3%	46.5%	46.4%	38.6%	52.8%	64.7%	69.5%	62.3%	48.1%	51.3%	55.9%	58.5%	50.1%	70.7%	40.2%	117.8%	—

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