Customers Bancorp, Inc.
- Open
- 78.41
- Day high
- 78.65
- Day low
- 77.30
- Prev close
- 78.58
- Volume
- 156K
- Mkt cap
- $2.6B
- P/E (TTM)
- 9.2
- EPS (TTM)
- $8.49
- P/B
- 1.2
- P/S
- 1.8
- Yield
- —
- Per share
- —
- ▼Insiders net selling -$12.4M over the last 3 months (0 open-market buys, 5 sales)
- 🏛Institutions accumulating (13F)
Customers Bancorp, Inc. (CUBI) is a Financial Services company listed on NYSE. The stock is up 10% over the past year. Over the trailing 3 months, insiders filed 0 open-market buys and 5 sales (SEC Form 4). Drillr has 1 published research article covering CUBI.
Customers Bancorp, Inc. (CUBI) financials & analyst ratings
Fundamentals (TTM)
Analyst consensus · 5 analysts
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
CUBI earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Jul 24, 2026 | $2.01 | $2.05 | +2.0% | $227M | -1.9% |
| Apr 24, 2026 | $1.88 | $1.97 | +4.6% | $225M | +2.3% |
| Jan 22, 2026 | $2.03 | $2.06 | +1.5% | $237M | +22.3% |
| Oct 23, 2025 | $1.88 | $2.20 | +16.8% | $228M | +7.9% |
| Jul 24, 2025 | $1.49 | $1.80 | +20.5% | $202M | +9.3% |
| Apr 24, 2025 | $1.28 | $1.54 | +20.7% | $138M | -16.2% |
| Jan 23, 2025 | $1.22 | $1.36 | +11.7% | $151M | -6.8% |
| Oct 31, 2024 | $1.46 | $1.34 | -8.5% | $163M | -16.4% |
| Jul 25, 2024 | $1.43 | $1.49 | +4.0% | $195M | +16.8% |
| Apr 25, 2024 | $1.63 | $1.40 | -14.1% | $178M | +2.8% |
| Jan 25, 2024 | $1.72 | $1.79 | +4.1% | $187M | +8.2% |
| Oct 26, 2023 | $1.59 | $2.58 | +62.3% | $214M | +27.0% |
CUBI insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Aug 17, 2026 | Allon Andrea R.director | Sell | 10,000 | $82.81 |
| Aug 5, 2026 | SIDHU JAY Sdirector, officer: Chairman | Sell | 68,821 | $80.09 |
| Jul 31, 2026 | SIDHU JAY Sdirector, officer: Chairman | Sell | 835 | $79.00 |
| Jul 31, 2026 | SIDHU JAY Sdirector, officer: Chairman | Sell | 30,344 | $79.20 |
| Jun 16, 2026 | Gill Mikedirector | Grant | 625 | $78.21 |
| Jun 16, 2026 | ROTHERMEL DANIEL Kdirector | Grant | 385 | $78.21 |
| Jun 16, 2026 | Looney Susan Diannedirector | Grant | 625 | $78.21 |
| Jun 16, 2026 | Krasne Robert Morrisdirector | Grant | 849 | $78.21 |
| Jun 16, 2026 | Sirmans Dalton Talleydirector | Grant | 737 | $78.21 |
| Jun 16, 2026 | Allon Andrea R.director | Grant | 625 | $78.21 |
| Jun 16, 2026 | Way T Lawrencedirector | Grant | 849 | $78.21 |
| Jun 16, 2026 | Zuckerman Steven Jdirector | Grant | 958 | $78.21 |
| Jun 16, 2026 | Mackay Robert Neildirector | Grant | 522 | $78.21 |
| Jun 16, 2026 | BUFORD ROBERT Jdirector | Grant | 849 | $78.21 |
| Jun 16, 2026 | Banks Bernard Bennettdirector | Grant | 881 | $78.21 |
Source: CUBI SEC Form 4 filings, latest Aug 17, 2026. For informational purposes only — not investment advice.
See the full CUBI insider & 13F page →CUBI research & analysis
Customers Bancorp, Inc. company profile
Overview
Customers Bancorp, Inc. (NYSE:CUBI) is a specialized commercial bank holding company founded in 1994 and headquartered in West Reading, Pennsylvania. The company operates through its subsidiary Customers Bank, which has evolved from a traditional regional community bank into a technology-enabled, branch-light commercial banking institution. Since going public in 2012, Customers Bancorp has positioned itself as a national specialty lender serving niche markets while maintaining a relatively small physical footprint of 12 full-service branches across key metropolitan areas from Pennsylvania to Florida.
Business
Customers Bancorp operates as a specialized commercial bank focusing on relationship-based banking services for businesses and consumers. The company has transformed from a traditional regional bank into a technology-forward institution serving specialized market segments. The bank's core business segments include: 1. Commercial and Industrial Banking (~40-45% of loan portfolio): Provides working capital, equipment financing, and credit facilities to small and middle-market businesses. This segment has been significantly expanded through the hiring of experienced banking teams from other institutions. 2. Specialty Lending Verticals (~35-40% of loan portfolio): Includes fund finance (lending to private equity and venture capital funds), healthcare finance, equipment finance, and mortgage warehouse lending. These specialized areas require deep industry expertise and typically offer higher margins. 3. Commercial Real Estate (~15-20% of loan portfolio): Provides financing for multi-family properties and commercial real estate projects, focusing on experienced developers and stable cash-flowing properties. 4. Digital Asset Banking: A unique offering in the banking industry, providing banking services to cryptocurrency and digital asset companies. The bank maintains all digital asset deposits in cash to mitigate risk. 5. Technology Platform Services: Through its cubiX platform, the bank provides real-time payment processing and Banking-as-a-Service solutions, generating fee income from technology services. The bank also offers traditional deposit products including checking, savings, and money market accounts, along with treasury management services, wire transfers, and cash management solutions for business clients.
Revenue model
Customers Bancorp generates revenue primarily through net interest income - the difference between interest earned on loans and interest paid on deposits. This traditional banking model accounts for approximately 85-90% of total revenue. The bank also earns fee income from treasury management services, loan origination fees, and its technology platform services. The bank's customers are primarily businesses ranging from small companies to middle-market enterprises, private equity funds, healthcare organizations, and digital asset companies. Individual consumers represent a smaller portion of the customer base, mainly through residential mortgages and deposit accounts. Key factors that influence the bank's profitability margins include: Positive margin drivers: Rising interest rates generally benefit the bank due to its asset-sensitive balance sheet structure. The bank's focus on variable-rate lending and specialty verticals typically commands higher interest rates than traditional banking. Deposit remix strategies - replacing high-cost wholesale funding with lower-cost commercial deposits - directly improve net interest margins. The bank's technology platforms generate high-margin fee income with minimal incremental costs. Negative margin pressures: Intense competition for commercial deposits can drive up funding costs, particularly during periods of monetary tightening. Credit losses from loan defaults directly impact profitability. Regulatory compliance costs, especially related to the bank's digital asset business, can pressure operating margins. Economic downturns affecting the bank's specialized lending verticals (private equity, healthcare, real estate) could reduce loan demand and increase credit risk. The bank's branch-light model and technology focus help maintain relatively low operating expenses compared to traditional banks, supporting overall profitability even during challenging interest rate environments.
Competitive moat
Customers Bancorp's competitive moat is moderate but specialized, built primarily around its expertise in niche lending markets and technology capabilities rather than traditional banking advantages like branch networks or deposit franchises. The bank's strongest moat elements include its specialized lending expertise in areas like fund finance, healthcare, and digital assets, where deep industry knowledge creates barriers to entry for traditional banks. The cubiX technology platform and digital asset banking capabilities represent unique offerings that few banks can replicate due to regulatory complexity and technical requirements. The bank's relationship-based approach in specialty verticals creates some customer stickiness, as switching costs for complex commercial banking relationships are typically high. However, the bank's moat faces several vulnerabilities. Regulatory risks pose the most significant threat, particularly around digital asset banking where changing regulations could eliminate this competitive advantage. The bank's specialty lending focus, while profitable, creates concentration risk and limits diversification benefits. Competition from larger banks entering specialty markets could pressure margins and market share. Additionally, the bank lacks the deposit franchise strength of larger regional banks, making it more dependent on wholesale funding and commercial relationships. Potential disruption could come from fintech companies offering specialized lending services, larger banks developing competing technology platforms, or regulatory changes that level the playing field in digital asset banking. The bank's relatively small size ($22 billion in assets) also limits its ability to compete for the largest commercial relationships, constraining growth potential in some market segments.
Risks & safety
The margin of safety appears reasonable but requires monitoring given the bank's specialized business model and regulatory environment. • Liquidity and Solvency: Strong with $3.8 billion in cash and short-term investments, minimal debt burden, and robust capital ratios (CET1 at 12.0%, well above regulatory minimums) • Credit Quality: Historically strong with disciplined underwriting, though concentrated in specialized lending verticals that could face stress during economic downturns • Valuation Metrics: Trading at 0.83x book value and 8.5x earnings, suggesting reasonable valuation relative to intrinsic value • Regulatory Risks: Currently operating under regulatory scrutiny for digital asset business, which could impact growth and profitability • Capital Generation: Positive free cash flow of $116 million annually with strong internal capital generation capabilities • Deposit Stability: 30% non-interest bearing deposits provide some funding stability, though reliance on commercial deposits creates potential volatility during stress periods
Recent development
Over the past two years, Customers Bancorp has executed a significant strategic transformation focused on deposit franchise enhancement and operational excellence. The bank hired 10 experienced commercial banking teams primarily from the former Signature Bank, which has substantially expanded its commercial deposit gathering capabilities and customer base. The company has pursued an aggressive deposit remix strategy, systematically replacing high-cost wholesale funding and brokered deposits with lower-cost, relationship-based commercial deposits. This initiative reduced broker deposits by approximately $500 million while growing non-interest bearing deposits to $5.6 billion, representing 30% of total deposits. Technology investments have been substantial, with the full transition of real-time payment clients to the in-house cubiX platform, now generating $5 million in annual fee income. The bank has also maintained its unique position in digital asset banking despite regulatory challenges, holding $3.6 billion in digital asset deposits while working to address regulatory requirements. The company has implemented operational excellence initiatives targeting $20 million in annual efficiency improvements while investing heavily in risk management infrastructure and compliance systems. Despite these investments, management expects to achieve efficiency ratios in the low-to-mid 50% range by 2025, down from current levels. Balance sheet optimization has been another key focus, with loan growth of 12.3% in 2024 concentrated in higher-margin specialty verticals like fund finance, healthcare, and equipment finance, while maintaining disciplined credit standards and strong capital ratios.
CUBI company profile · for informational purposes only — not investment advice.
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