Customers Bancorp (CUBI)
NYSE:CUBI
Want to see CUBI full AI Analyst Report?
CUBI Stock Chart & Stats
$77.42
-$0.65(-1.37%)
At close: 4:00 PM EST
$77.42
-$0.65(-1.37%)
Day’s Range― - ―
52-Week Range$50.06 - $82.56
Previous CloseN/A
Volume50.63K
Average Volume (3M)392.49K
Market Cap
$2.51B
Enterprise Value$4.35B
Total Cash (Recent Filing)$89.15M
Total Debt (Recent Filing)$1.90B
Price to Earnings (P/E)9.0
Beta1.35
Next Earnings
Jul 23, 2026EPS Estimate
2.04Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)8.14
Shares Outstanding33,825,090
10 Day Avg. Volume321,063
30 Day Avg. Volume392,488
Financial Highlights & Ratios
PEG Ratio0.53
Price to Book (P/B)1.18
Price to Sales (P/S)1.77
P/FCF Ratio5.20
Enterprise Value/Market Cap1.73
Enterprise Value/Revenue2.90
Enterprise Value/Gross Profit5.30
Enterprise Value/Ebitda10.16
Forecast
1Y Price Target
$88.50Price Target Upside14.31% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering8
EPS Forecast (FY)8.45
Revenue Forecast (FY)$939.89M
Bulls Say, Bears Say
Bulls Say
Deposit Franchise StrengthA large, growing base of low‑cost, noninterest‑bearing deposits materially strengthens funding durability and net interest margin resilience over time. Sustained 14% YoY deposit growth reduces reliance on wholesale funding, supports organic loan growth, and underpins stable liquidity and capital planning.
Diversified Loan GrowthBroad‑based, double‑digit loan growth across specialty C&I, mortgage finance and healthcare signals scalable origination capabilities and reduced single‑sector concentration. Durable loan expansion supports recurring net interest income and credit diversification, improving long‑term earnings stability.
Efficiency & AI-driven ProductivitySustained operating‑leverage gains, delivered savings and broad AI adoption point to structural cost advantage as scale increases. Recurring efficiency improvements raise long‑run margins, enhance return on equity, and permit reinvestment in growth without proportionate expense increases.
Bears Say
NIM And Yield Mix PressurePersistent pressure from lower‑yielding new loan production and nonrepeatable accretion income can compress net interest margin even as balances grow. Over months, this erodes core profitability per dollar of assets and necessitates higher volume or fee income to offset margin dilution.
Rising Balance‑sheet LeverageAn uptick in leverage increases sensitivity to funding shocks and interest‑rate moves, constraining capital flexibility. While equity has grown, higher gearing raises the bar for consistent ROE and amplifies risk if credit stress or funding costs rise over the next several quarters.
Equity‑plan Expansion & Dilution RiskGreater authorized equity compensation supports retention but increases potential long‑term dilution and invites investor scrutiny of pay practices. Over 2–6 months, expanded RSU capacity can weigh on tangible book growth per share and complicate capital deployment choices if share issuance is used for incentives.
Customers Bancorp News
CUBI FAQ
What was Customers Bancorp’s price range in the past 12 months?
Customers Bancorp lowest stock price was $50.06 and its highest was $82.56 in the past 12 months.
What is Customers Bancorp’s market cap?
Customers Bancorp’s market cap is $2.51B.
When is Customers Bancorp’s upcoming earnings report date?
Customers Bancorp’s upcoming earnings report date is Jul 23, 2026 which is in 49 days.
How were Customers Bancorp’s earnings last quarter?
Customers Bancorp released its earnings results on Apr 23, 2026. The company reported $1.97 earnings per share for the quarter, beating the consensus estimate of $1.888 by $0.082.
Is Customers Bancorp overvalued?
According to Wall Street analysts Customers Bancorp’s price is currently Undervalued.
Does Customers Bancorp pay dividends?
Customers Bancorp does not currently pay dividends.
What is Customers Bancorp’s EPS estimate?
Customers Bancorp’s EPS estimate is 2.04.
How many shares outstanding does Customers Bancorp have?
Customers Bancorp has 33,825,090 shares outstanding.
What happened to Customers Bancorp’s price movement after its last earnings report?
Customers Bancorp reported an EPS of $1.97 in its last earnings report, beating expectations of $1.888. Following the earnings report the stock price went down -3.989%.
Which hedge fund is a major shareholder of Customers Bancorp?
Currently, no hedge funds are holding shares in CUBI
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Customers Bancorp Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Strong Buy
Average Price Target:
$88.50 (14.31% Upside)
$88.50 (14.31% Upside)
Blogger Sentiment
Bullish
CUBI Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 331.8K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $8.3M over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
71.88%
12-Months-Change
Fundamentals
Return on Equity
13.62%
Trailing 12-Months
Asset Growth
15.42%
Trailing 12-Months
Company Description
Customers Bancorp
Customers Bancorp, Inc. operates as the bank holding company for Customers Bank that provides financial products and services to individual consumers, and small and middle market businesses. The company offers deposits products, including checking, savings, MMDA, and other deposits accounts. It offers loan products, including commercial mortgage warehouse loans, multi-family and commercial real estate loans, business banking, small business loans, equipment financing, residential mortgage loans, and installment loans. It also offers traditional banking activities, including mobile phone banking, internet banking, wire transfers, electronic bill payment, lock box services, remote deposit capture services, courier services, merchant processing services, cash vault, controlled disbursements, positive pay, cash management services, such as account reconciliation, collections, and sweep accounts. It operates 12 full-service branches, as well as limited production and administrative offices in Southeastern Pennsylvania, including Bucks, Berks, Chester, Philadelphia, and Delaware Counties; Harrisburg, Pennsylvania; Rye Brook and New York; Hamilton, New Jersey; Boston, Massachusetts; Providence, Rhode Island; Portsmouth, New Hampshire; Manhattan and Melville, New York; Washington D.C.; Chicago, Illinois; Dallas, Texas; Orlando, Florida; and Wilmington, North Carolina. Customers Bancorp, Inc. was founded in 1994 and is headquartered in West Reading, Pennsylvania.
CUBI Company Deck
CUBI Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented a strong operational and financial performance: robust deposit and loan growth, record noninterest-bearing balances, meaningful AI adoption and productivity gains, positive operating leverage (300 bps efficiency improvement) and strong earnings/capital metrics (core EPS +28% YoY; TBV/share +16% YoY). Management also disclosed proactive initiatives (Operational Excellence Phase 2 to $30M run-rate) and a clear strategy to expand cubiX beyond digital assets. Lowlights are manageable: some margin pressure from mix and non-repeating items, modest decline in average cubiX balances, an isolated NPA reclassification and a cautious reserve build driven by macro uncertainty. Overall, the positives materially outweigh the challenges, with high conviction in continued organic growth, deposit diversification and AI-driven scale.View all CUBI earnings summariesCUBI Stock 12 Month Forecast
Average Price Target
$88.50
▲(14.31% Upside)
Technical Analysis
First Bancorp
―
Hilltop Holdings
―
Pathward Financial
―
OFG Bancorp
―
Nicolet Bankshares
―
Ownership Overview
7.71% Insiders
24.22% Mutual Funds
19.78% Other Institutional Investors
18.72% Public Companies and
Individual Investors