Demonstrações financeiras detalhadas de Customers Bancorp, Inc. (CUBI): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Customers Bancorp, Inc. registou receitas de $1.41B no último exercício, com um CAGR de 5 anos de 18.7%. O lucro líquido atingiu $224.1M, com CAGR de 5 anos de 11.1%.
Margens dos últimos 12 meses: margem bruta 56.0%, margem operacional 24.5%, margem líquida 19.6%. O fluxo de caixa livre cresceu a CAGR de 22.0% em 5 anos.
Ao preço atual de $78.14, CUBI negocia a um P/L de 9.21 e um ROE de 10.59%. A capitalização de mercado é de $2.6B.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Receita | $376.8M | $449.4M | $474.8M | $496.1M | $600.5M | $844.6M | $895.1M | $1.42B | $1.36B | $1.41B |
| Custo da Receita | $76.1M | $112.3M | $165.7M | $210.7M | $202.4M | $123.2M | $321.7M | $754.5M | $746.9M | $684.7M |
| Lucro Bruto | $300.8M | $337.1M | $309.1M | $285.4M | $398.2M | $721.4M | $573.4M | $666.3M | $614.0M | $729.8M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $122.1M | $150.8M | $160.4M | $133.7M | $107.5M | $119.8M | $123.8M | $171.4M | $222.0M | $223.6M |
| Despesas Operacionais | $176.2M | $213.2M | $218.0M | $177.7M | $208.4M | $280.2M | $282.1M | $335.6M | $389.7M | $419.1M |
| Lucro Operacional | $124.6M | $123.9M | $91.1M | $107.8M | $189.8M | $441.2M | $291.3M | $330.7M | $224.4M | $310.8M |
| EBITDA | $130.5M | $134.7M | $105.2M | $121.4M | $208.3M | $462.9M | $318.5M | $362.6M | $257.9M | $351.6M |
| Despesas com Juros | $73.0M | $105.5M | $160.1M | $186.4M | $139.6M | $95.8M | $261.7M | $679.9M | $673.4M | $609.1M |
| Lucro Antes de Impostos | $124.6M | $123.9M | $91.1M | $107.8M | $189.8M | $441.2M | $291.3M | $330.7M | $224.4M | $288.4M |
| Imposto | $45.9M | $45.0M | $19.4M | $26.4M | $46.7M | $86.9M | $63.3M | $80.6M | $42.9M | $64.3M |
| Lucro Líquido | $78.7M | $78.8M | $71.7M | $79.3M | $132.6M | $314.6M | $228.0M | $250.1M | $181.5M | $224.1M |
| LPA | $2.51 | $2.10 | $1.81 | $2.08 | $4.09 | $10.51 | $6.69 | $7.49 | $5.28 | $6.40 |
| LPA Diluído | $2.31 | $1.97 | $1.78 | $2.05 | $4.07 | $10.08 | $6.51 | $7.32 | $5.09 | $6.20 |
| Ações em Circulação (Diluídas) | $30.0M | $32.6M | $32.2M | $31.6M | $31.7M | $33.7M | $33.5M | $32.2M | $32.7M | $35.4M |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Caixa e Equivalentes | $264.7M | $146.3M | $62.1M | $212.5M | $693.4M | $518.0M | $455.8M | $3.85B | $3.79B | $62.1M |
| Investimentos de Curto Prazo | $493.5M | $471.4M | $665.0M | $595.9M | $1.21B | $3.82B | $2.99B | $2.41B | $2.02B | 0 |
| Contas a Receber | $23.7M | $27.0M | $33.0M | $38.1M | $80.4M | $92.2M | $123.4M | $320.5M | $323.3M | $103.6M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $781.9M | $644.7M | $760.1M | $846.5M | $1.98B | $4.43B | $3.57B | $6.57B | $6.13B | $165.7M |
| Imobilizado | $12.8M | $12.0M | $11.1M | $9.4M | $11.2M | $8.9M | $9.0M | $7.4M | $6.7M | $16.7M |
| Ágio | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Intangíveis | $17.6M | $16.3M | $16.5M | $15.2M | $4.0M | $3.7M | $3.6M | $3.6M | $3.6M | $3.6M |
| Ativos Totais | $9.38B | $9.84B | $9.83B | $11.52B | $18.44B | $19.58B | $20.90B | $21.32B | $22.31B | $24.90B |
| Contas a Pagar | $75.4M | $56.2M | $66.5M | $126.2M | $152.1M | $251.1M | $230.7M | 0 | 0 | 0 |
| Dívida de Curto Prazo | $771.8M | $155.0M | $187.0M | $1.39B | $1.10B | $775.0M | $300.0M | 0 | $100.0M | $7.4M |
| Passivos Circulantes | $8.15B | $7.01B | $7.40B | $10.16B | $12.56B | $17.80B | $18.69B | $17.92B | $18.95B | $15.75B |
| Dívida de Longo Prazo | $1.06B | $1.91B | $1.48B | $304.7M | $305.4M | $404.8M | $805.5M | $1.51B | $1.31B | $1.71B |
| Passivos Totais | $8.53B | $8.92B | $8.88B | $10.47B | $17.32B | $18.21B | $19.49B | $19.68B | $20.47B | $22.78B |
| Reservas | $193.7M | $258.1M | $316.7M | $381.5M | $438.6M | $705.7M | $924.1M | $1.16B | $1.33B | $1.54B |
| Patrimônio Líquido | $855.9M | $921.0M | $956.8M | $1.05B | $1.12B | $1.37B | $1.40B | $1.64B | $1.84B | $2.12B |
| Dívida Total | $1.84B | $2.06B | $1.67B | $1.69B | $1.41B | $1.18B | $1.11B | $1.51B | $1.41B | $1.71B |
| Dívida Líquida | $1.08B | $1.44B | $940.8M | $884.4M | -$498.2M | -$3.16B | -$2.34B | -$4.74B | -$4.40B | $1.64B |
| Capital de Giro | -$7.37B | -$6.37B | -$6.64B | -$9.32B | -$10.58B | -$13.38B | -$15.12B | -$11.35B | -$12.82B | -$15.59B |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Lucro Líquido | $78.7M | $78.8M | $71.7M | $81.4M | $143.0M | $354.3M | $228.0M | $250.1M | $181.5M | $224.1M |
| Depreciação e Amortização | $5.9M | $10.8M | $14.2M | $13.6M | $18.5M | $21.7M | $27.2M | $31.8M | $33.6M | $37.9M |
| Compensação em Ações | $7.1M | $7.2M | $9.7M | $9.9M | $12.9M | $13.9M | $14.2M | $12.6M | $14.4M | $18.5M |
| Variação Capital de Giro | -$5.5M | -$48.9M | -$24.7M | -$90.7M | -$57.7M | $149.6M | -$24.6M | $42.3M | -$132.8M | $55.3M |
| Fluxo de Caixa Operacional | $91.4M | $62.2M | $97.5M | $78.3M | $152.0M | $271.2M | -$20.8M | $124.7M | $145.1M | $494.8M |
| CapEx | -$5.4M | -$24.4M | -$40.5M | -$50.1M | -$28.8M | -$33.0M | -$113.3M | -$41.3M | -$65.2M | -$161.1M |
| Aquisições | -$17.0M | 0 | -$1.5M | 0 | 0 | $3.8M | 0 | 0 | 0 | 0 |
| Recompra de Ações | 0 | 0 | -$13.0M | -$571000 | 0 | -$110.2M | -$33.2M | -$39.8M | -$19.2M | -$148.1M |
| Dividendos Pagos | -$9.1M | -$14.5M | -$14.5M | -$14.5M | -$14.1M | -$10.8M | -$9.3M | -$14.6M | -$15.1M | -$10.8M |
| Fluxo de Caixa Livre | $86.0M | $37.8M | $57.0M | $28.2M | $123.2M | $238.2M | -$134.2M | $83.4M | $79.9M | $333.7M |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Crescimento Receita (anual) | +19.3% | +5.6% | +4.5% | +21.1% | +40.6% | +6.0% | +58.7% | -4.2% | +3.9% | |
| Crescimento Lucro Líquido (anual) | +0.2% | -9.1% | +10.6% | +67.1% | +137.3% | -27.5% | +9.7% | -27.5% | +23.5% | |
| Crescimento LPA (anual) | -16.3% | -13.8% | +14.9% | +96.6% | +157.0% | -36.3% | +12.0% | -29.5% | +21.2% | |
| Variação de Ações (anual) | +8.6% | -1.1% | -1.8% | +0.3% | +6.2% | -0.4% | -4.1% | +1.7% | +8.2% | |
| Crescimento FCF (anual) | -56.0% | +50.6% | -50.5% | +336.8% | +93.3% | -156.3% | +162.1% | -4.2% | +317.8% | |
| Margem Bruta | 79.8% | 75.0% | 65.1% | 57.5% | 66.3% | 85.4% | 64.1% | 46.9% | 45.1% | 51.6% |
| Margem Operacional | 33.1% | 27.6% | 19.2% | 21.7% | 31.6% | 52.2% | 32.5% | 23.3% | 16.5% | 22.0% |
| Margem EBITDA | 34.6% | 30.0% | 22.2% | 24.5% | 34.7% | 54.8% | 35.6% | 25.5% | 19.0% | 24.9% |
| Margem Líquida | 20.9% | 17.5% | 15.1% | 16.0% | 22.1% | 37.3% | 25.5% | 17.6% | 13.3% | 15.8% |
| Margem FCF | 22.8% | 8.4% | 12.0% | 5.7% | 20.5% | 28.2% | -15.0% | 5.9% | 5.9% | 23.6% |
| Taxa Efetiva de Imposto | 36.8% | 36.4% | 21.3% | 24.5% | 24.6% | 19.7% | 21.7% | 24.4% | 19.1% | 22.3% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| FCF por Ação | $2.86 | $1.16 | $1.77 | $0.89 | $3.88 | $7.07 | $-4.00 | $2.59 | $2.44 | $9.43 |
| Dividendo por Ação | $0.30 | $0.44 | $0.45 | $0.46 | $0.44 | $0.32 | $0.28 | $0.46 | $0.46 | $0.31 |
| Ações em Circulação (Básicas) | $27.6M | $30.7M | $31.6M | $31.2M | $31.5M | $32.3M | $32.6M | $31.4M | $31.5M | $34.2M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 10.59% |
| Retorno sobre capital investido | 2.64% |
| Retorno sobre ativos | 0.90% |
| Margem bruta | 55.95% |
| Margem operacional | 24.53% |
| Margem líquida | 19.55% |
Saúde financeira
| Dívida / Patrimônio | 1.07 |
| Liquidez corrente | 1.82 |
| Piotroski F-Score | 5 |
| Altman Z-Score | -0.50 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| P/L | 14.27 | 12.38 | 10.06 | 11.45 | 4.44 | 6.22 | 4.24 | 7.69 | 9.22 | 11.43 |
| P/VP | 1.15 | 0.87 | 0.60 | 0.71 | 0.51 | 1.55 | 0.66 | 1.11 | 0.84 | 1.18 |
| P/V | 2.62 | 1.77 | 1.21 | 1.50 | 0.95 | 2.50 | 1.03 | 1.27 | 1.13 | 1.77 |
| Margem Bruta | 79.8% | 75.0% | 65.1% | 57.5% | 66.3% | 85.4% | 64.1% | 46.9% | 45.1% | 51.6% |
| Margem Operacional | 33.1% | 27.6% | 19.2% | 21.7% | 31.6% | 52.2% | 32.5% | 23.3% | 16.5% | 22.0% |
| Margem Líquida | 20.9% | 17.5% | 15.1% | 16.0% | 22.1% | 37.3% | 25.5% | 17.6% | 13.3% | 15.8% |
Empresas relacionadas: BANR · BUSE · EFSC · FBNC · FFBC · FRME · HTH
Explorar setor: Financial Services · Banks - Regional
Mais seções de CUBI: Resumo · Avaliação · Estatísticas · Estimativas · Técnico · Propriedade · Notícias · Eventos
Descubra mais: Radar — sinais de ações subvalorizadas · Academia de Investimento — aprenda a analisar ações