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Customers Bancorp, Inc CUBI

Financial — Banks Regional
Cash Flow Champion (3y) Insider Buys (last 12m)
Growth Flags show if company had growth for consecutive years ,
Insider Buys alert about insiders buying in the last 12 month

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Insider Decisions

Total buys
0.07
Total sells
31.98
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — 1 — — — —
Sell — 5 2 — — — — 3 — 1 2 —
Insider Ownership
7.15%

Capital & Financial Ratios

Market Cap
2,630.00
Revenue
1,528.71
Net Income
291.45
Free Cash Flow
366.73
Net Debt
(1,947.95)
Current Ratio
1.00
Debt/Equity
1.01
P/E ratio
9.14
P/S ratio
1.72
P/B ratio
1.19
Past 5Y EPS Growth
19.93%
This Y EPS Growth
34.94%
Next Y EPS Growth
14.62%
Next 5Y EPS Growth
20.93%
in millions of $

Dividends

Payout Ratio
0.00
Annual Dividend Rate
—
Annual Dividend Yield
—
total individual payouts
2024 ‡‡‡‡
2023 ‡‡‡‡
2022 ‡‡‡
2021 ‡‡‡
2020 ‡‡‡
2019 ‡‡‡
2017 ‡‡‡
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 3,846.35 3,785.93 4,411.46 4,178.85
Receivables — — — —
Inventory — — — —
Other — — — —
17,027.88 18,411.06 21,141.95 22,133.17
2023 2024 2025 Q'26
Payables 17,920.24 18,846.46 20,778.70 21,732.90
ST’ Debt — — — —
Other — — — —
18,292.43 19,160.70 21,174.13 22,084.19
in millions of $

Compound Annual Growth

10y 5y 3y
Sales ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡
Earnings ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Book Value ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 370.63 378.70 — —
—
’25 290.42 357.61 391.67 387.71
1,427.41
’24 353.01 365.08 340.67 329.52
1,388.27
’23 333.07 346.16 394.12 364.59
1,437.93
’22 204.67 209.08 226.90 276.99
917.65
’21 179.58 179.70 268.44 231.03
858.75
’20 136.50 136.93 164.51 169.18
607.12
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 35.07 107.30 — —
—
’25 94.12 162.15 116.91 121.57
494.76
’24 (18.82) 6.08 24.40 133.40
145.06
’23 17.54 89.47 136.10 (118.38)
124.73
’22 116.94 49.08 109.00 (295.85)
(20.82)
’21 200.38 88.94 (14.80) 21.02
295.54
’20 (34.93) 74.74 33.99 59.63
133.42
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 35.02 106.05 — —
—
’25 93.44 162.07 106.55 119.10
481.16
’24 (19.20) 5.80 24.14 132.90
143.65
’23 17.41 89.44 135.84 (118.45)
124.25
’22 116.67 49.04 108.73 (299.31)
(24.87)
’21 200.09 88.97 (14.91) 20.82
294.97
’20 (41.40) 81.12 29.97 59.16
128.85
in millions of $

EPS

Mar Jun Sep Dec Year
’26 1.97 2.05 — —
—
’25 0.29 1.73 2.20 1.98
6.26
’24 1.40 1.66 1.31 0.71
5.09
’23 1.55 1.39 2.58 1.79
7.32
’22 2.18 1.68 1.85 0.77
6.51
’21 1.01 1.72 3.25 2.87
8.91
’20 0.22 0.61 1.48 1.65
3.74

Target Price Range

High
‡‡‡‡‡
‡‡‡‡‡
Average
‡‡‡‡‡
‡‡‡‡
Low
‡‡‡‡‡
‡‡‡‡

Recommendation Rating

1.9
1
Buy
2
3
Hold
4
5
Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ 26.43 6.87 42.31 40.75 — — —
Low Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 76.13 60.09 68.49 78.33 — — —
High Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 668 714 793 869 — — —
Employees
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.37 2.01 1.75 1.64 — — —
Revenue/Emp
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 917.65 1,437.93 1,388.27 1,427.41 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ 71.49% 52.72% 51.49% 57.33% — — —
Gross Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 291.30 330.74 224.37 288.43 — — —
EBT
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 31.74% 23.00% 16.16% 20.21% ‡‡‡ ‡‡‡ ‡‡‡
EBT Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 228.03 250.14 181.47 224.09 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Net Income
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (24.88) (70.35) 1.58 (4.53) — — —
Depreciation
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 28.12 45.74 44.06 44.07 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue/Sh
‡‡‡‡ ‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ 6.69 7.49 5.28 6.46 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.64) 3.97 4.60 15.27 — — —
Cash Flow/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.12) (0.02) (0.04) (0.42) ‡‡‡ ‡‡‡ ‡‡‡
Capex/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.76) 3.95 4.56 14.85 — — —
Free CF/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 42.99 52.12 58.29 65.31 — — —
Book Value/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 32.63 31.44 31.51 32.39 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Shares
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 4.20 7.43 9.22 11.43 ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
PE Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.00 1.22 1.10 1.66 ‡‡‡ ‡‡‡ ‡‡‡
PS Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.72 1.17 0.90 1.12 ‡‡‡ ‡‡‡ ‡‡‡
PB Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.90 0.57 0.43 0.77 ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
EV/Sales
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (70.21) 6.63 4.11 2.28 — — —
EV/FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (20.82) 124.73 145.06 494.76 ‡‡‡ ‡‡‡ ‡‡‡
Op' Cash Flow
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (4.05) (0.48) (1.41) (13.60) — — —
Capex
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (24.87) 124.25 143.65 481.16 — — —
FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (2,268.27) (1,264.55) (749.64) (32.18) — — —
Working Cap'
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,286.95 1,385.44 1,310.86 1,606.22 — — —
Total Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 831.15 (2,460.91) (2,475.07) (2,805.25) — — —
Net Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,402.96 1,638.39 1,836.68 2,115.52 — — —
Sh' Equity
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.08% 1.12% 0.76% 0.89% — — —
ROA
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 8.15% 0.00% 0.00% 0.00% — — —
ROIC
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 17.52% 17.03% 10.40% 10.97% — — —
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

Customers Bancorp (CUBI), a regional bank excelling in commercial and consumer lending with fintech ties, has delivered explosive revenue growth—over 20% CAGR from 2016 to a 2023 peak of $1.44 billion—fueled by PPP lending and efficient scaling, with revenue per employee surpassing $2 million. Profitability surged with EPS hitting $9.29 in 2021 and ROE at 28%, supported by a resilient balance sheet: book value per share up 88% to $58, net debt negative, and steady equity compounding at 13%. Trading at cheap multiples (PE 9x, PS 1.1x), the stock offers 30% upside to consensus targets, intriguing value hunters amid banking recovery.

Yet caution prevails amid moderating earnings (EBT margins halved to 16%), eroding gross margins from rate hikes, volatile deposits echoing 2023 SVB turmoil, and stark insider selling with no buys. Forecasts show revenue plunging 43% in 2026 before rebounding, tied to CRE exposure and NIM pressures, while risks like regulatory scrutiny and credit deterioration loom. A hold for patient investors, CUBI’s path hinges on deposit stability and fintech evolution—delve deeper for the full risk-reward breakdown.

Read full commentary →

Customers Bancorp, Inc (CUBI) Latest News

News by impact score

Fine-tune

1 Aug

3 , 11:23 AM
Customers Bancorp’s Q2 earnings call featured five key analyst questions on financial performance, strategy and outlook. Q2 earnings call questions can shape short-term investor sentiment around CUBI operations and guidance.

27 Jul

4 , 10:05 AM
CUBI Q2 results highlight AI investments and deposit growth as drivers of strategic progress. AI investments combined with deposit growth signal major strategic advances likely to reshape CUBI's competitive position and performance trajectory.

25 Jul

3 , 12:08 PM
Customers Bancorp achieved a Q2 2026 earnings beat and launched a buyback program, raising questions over potential shifts in CUBI investor outlook. Earnings beat combined with buyback offers moderate positive signals for near-term CUBI performance without guaranteeing long-term trajectory changes.

24 Jul

4 , 5:00 PM
Customers Bancorp Inc reported record loan growth during its Q2 2026 earnings call. Record loan growth signals strong operational performance that can drive significant stock gains and improved market positioning.

4 app.moby.co, 8:30 AM
Customers Bancorp released Q2 2026 earnings call results covering financial performance metrics and forward guidance. Quarterly earnings data and guidance directly shift valuation models and investor positioning for the bank.

3 www.marketbeat.com, 10:03 AM
Customers Bancorp Q2 earnings call highlighted loan growth, net interest income expansion, maintained credit quality, and digital banking initiatives alongside management outlook on deposit trends and capital position. Q2 earnings updates supply financial metrics and guidance that moderately shape near-term investor views on performance and operations.

23 Jul

4 , 4:30 PM
Customers Bancorp reported its second quarter 2026 financial results. Quarterly earnings releases typically drive major shifts in stock valuation and investor outlook.

3 , 6:30 PM
Customers Bancorp (CUBI) Q2 earnings key metrics are examined to assess the company's financial performance and operational details. Q2 earnings metrics can moderately influence CUBI stock valuation and investor sentiment.

3 , 4:54 PM
Customers Bancorp missed Q2 CY2026 sales estimates versus analyst forecasts. Earnings sales miss can produce short-term stock pressure and sentiment shift without altering long-term trajectory.

22 Jul

3 , 12:06 AM
Customers Bancorp (CUBI) prepares to release Q2 earnings with key details and context provided for investors ahead of the report. Q2 earnings preview can moderately shift near-term investor sentiment and stock movement for CUBI.

14 Jul

3 , 11:09 AM
JPMorgan recommends Customers Bancorp Inc (CUBI) citing its AI deployment progress. JPMorgan recommendation on AI deployment signals positive sentiment that may lift near-term share performance.

5 Jun

3 Simply Wall St., 8:07 AM
Customers Bancorp explores AI partnerships to boost efficiency and manage risks while navigating interest rate pressures that may reshape its operational and market outlook. AI partnerships may improve efficiency and risk controls but face offsetting rate-related pressures without confirmed transformative outcomes.

2 Jun

3 Business Wire, 5:30 PM
Customers Bank partners with ElevenLabs to deploy AI-powered conversational agents for customer and employee experiences. AI rollout targets operational efficiency and service but remains incremental without immediate financial scale.

3 May

3 Simply Wall St., 3:08 AM
Investor views on Customers Bancorp (CUBI)'s growth prospects and risks are diverging, reshaping the company's overall narrative. Diverging views on growth and risks may moderately sway investor sentiment and near-term stock performance.

27 Apr

5 Business Wire, 9:00 AM
Customers Bank, a subsidiary of Customers Bancorp (CUBI), announces strategic collaboration with OpenAI to redefine the commercial banking operating model through AI integration. Partnership with OpenAI to redefine banking operations represents a transformative AI initiative that could fundamentally reshape CUBI's competitive position and long-term growth.

4 www.marketbeat.com, 3:51 PM
Customers Bancorp Q1 earnings call highlights key financial results, strategic updates, and forward guidance for the quarter. Q1 earnings highlights detail financial performance and outlook, significantly impacting investor sentiment and stock trajectory.

4 qz.com, 9:58 AM
Customers Bank, a subsidiary of Customers Bancorp Inc (CUBI), partners with OpenAI to automate lending processes using AI technology. Partnership with OpenAI to automate lending enables major efficiency gains and competitive advantages in core banking operations.

26 Apr

4 Simply Wall St., 9:09 PM
Customers Bancorp (CUBI) achieves strong deposit growth and advances AI initiatives, transforming its investment narrative and boosting appeal. Strong deposit growth fortifies financial stability as AI push introduces innovative growth drivers, significantly altering CUBI's trajectory.

25 Apr

4 StockStory, 1:57 PM
Customers Bancorp (CUBI) stock sharply declines due to adverse developments impacting the bank's performance. Stock nosedive reflects major negative events poised to significantly alter CUBI's trajectory and investor sentiment.

4 StockStory, 9:49 AM
Customers Bancorp, Inc. (CUBI) Q1 results showcase AI initiatives and strong deposit growth fueling a strategic shift toward innovation and expansion. AI initiatives combined with deposit growth enable major strategic advancements poised to enhance CUBI's competitive edge and long-term performance.

4 GuruFocus.com, 3:03 AM
Customers Bancorp Inc (CUBI) reported record deposit growth and AI advancements in Q1 2026 earnings call highlights. Record deposit growth and AI initiatives indicate major financial strength and strategic innovation boosting future performance.

24 Apr

4 app.moby.co, 8:30 AM
Customers Bancorp, Inc. released Q1 2026 earnings call summary covering financial results and outlook. Quarterly earnings summaries disclose financial performance and guidance that significantly affect stock price and investor expectations.

4 Simply Wall St., 6:02 AM
Customers Bancorp (CUBI) valuation reviewed after strong Q1 earnings and lower credit costs, highlighting improved financial metrics and potential upside. Strong Q1 earnings and reduced credit costs indicate significant positive momentum for financial performance and investor sentiment.

23 Apr

4 Zacks, 7:35 PM
Customers Bancorp (CUBI) reported first-quarter earnings and revenues that exceeded analyst estimates. Q1 earnings and revenue beats demonstrate strong financial performance, likely driving positive investor sentiment and stock price gains.

4 Zacks, 6:30 PM
Customers Bancorp (CUBI) Q1 earnings key metrics analyzed for insights into financial performance, profitability, growth, and operational efficiency. Q1 earnings metrics significantly shape investor sentiment, stock valuation, and future performance expectations for Customers Bancorp.

4 StockStory, 4:59 PM
Customers Bancorp (NYSE:CUBI) beat revenue expectations in Q1 CY2026. Revenue beat in Q1 CY2026 demonstrates strong financial performance, likely driving significant positive shifts in investor sentiment and stock trajectory.

4 Business Wire, 4:30 PM
Customers Bancorp, Inc (CUBI) reported results for the first quarter of 2026. Quarterly earnings reports directly shape financial performance metrics and investor sentiment for the bank.

21 Apr

4 StockStory, 11:41 PM
Customers Bancorp (CUBI) reports earnings tomorrow with analysts expecting specific revenue, EPS, and growth figures amid focus on loan portfolio and deposit trends. Upcoming earnings report carries potential for significant shifts in stock price, investor confidence, and valuation based on results versus expectations.

4 transcript www.fool.com, 2:46 PM
Customers Bancorp, Inc. (CUBI) Q4 2025 earnings call transcript released, detailing financial results, management discussion, and forward-looking statements. Q4 earnings transcripts disclose financial metrics, strategic updates, and guidance that significantly shape investor expectations and stock trajectory.

18 Apr

4 Simply Wall St., 6:04 PM
Customers Bancorp (CUBI) investment story shifts amid growth optimism and funding risks. Growth hopes and funding risks represent major shifts in market dynamics that could significantly alter CUBI's trajectory and investor sentiment.
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