Customers Bancorp, Inc.

NYSE:CUBI Stock Report

Market Cap: US$2.5b

Customers Bancorp Past Earnings Performance

Past criteria checks 4/6

Customers Bancorp's earnings have been declining at an average annual rate of -9.8%, while the Banks industry saw earnings growing at 3.2% annually. Revenues have been growing at an average rate of 2% per year. Customers Bancorp's return on equity is 13.1%, and it has net margins of 33.3%.

Key information

-9.76%

Earnings growth rate

-9.57%

EPS growth rate

Banks Industry Growth11.18%
Revenue growth rate2.01%
Return on equity13.10%
Net Margin33.33%
Last Earnings Update31 Mar 2026

Recent past performance updates

Recent updates

Narrative Update • Jun 14

CUBI: AI Deployment And Buybacks Will Support Future Multiple Rerating

Analysts have made a small upward adjustment to the Customers Bancorp fair value estimate, with the updated price target now implied at about $90.18. This reflects a refined view of discount rates, profit margins, and future P/E assumptions following recent mixed target moves and an upgrade to Equal Weight.
Narrative Update • May 30

CUBI: Crypto Funding And Commercial Shift Will Balance Future Return Potential

Analysts have nudged up the fair value estimate for Customers Bancorp by about $2 to roughly $73, reflecting revised price targets that balance higher marks from firms like Piper Sandler and DA Davidson with more cautious updates and valuation-focused commentary from others. Analyst Commentary Recent research on Customers Bancorp shows a split view, with some firms lifting price targets while others are turning more cautious and trimming their expectations.
Narrative Update • May 02

CUBI: Commercial Expansion And Buybacks Will Support Future Multiple Rerating

Analysts have adjusted the fair value estimate for Customers Bancorp to $90.00. This reflects updated views on the bank's growth, profitability, and forward P/E assumptions following recent shifts in Street price targets across the $71.00 to $92.00 range.
Seeking Alpha • Apr 21

Customers Bancorp: As Much As I Want To, I Can't Keep My 'Buy' Rating

Summary Customers Bancorp is downgraded from "Buy" to "Hold" after a 126.6% run since August 2023. CUBI's asset quality and profitability remain strong, but valuation has become less compelling with a P/E of 12.7. High brokered and uninsured deposits, plus a riskier specialized loan portfolio, introduce caution despite recent earnings growth. Upcoming Q1 2026 results could prompt a rating change, but current uncertainty and economic outlook justify a neutral stance. Read the full article on Seeking Alpha
Narrative Update • Apr 18

CUBI: Commercial Expansion And Share Repurchases Will Support Future Share Outperformance

Analysts have nudged the fair value estimate for Customers Bancorp higher to about $88.73 from $87, reflecting updated views on profit margins, growth, and valuation after recent shifts in Street price targets and ratings. Analyst Commentary Recent Street research on Customers Bancorp reflects a mix of optimism on growth and valuation, alongside ongoing concern about funding mix and competitive pressures.
Narrative Update • Apr 03

CUBI: Crypto Funding And Deposit Mix Risks Will Shape Future Upside Potential

Customers Bancorp's updated analyst price target of $71.00, previously modeled at about $68.19, reflects analysts' view that a $71 level better aligns with recent Street research on valuation, risk around crypto related funding and brokered deposits, and expectations embedded in revised revenue growth, profit margin, discount rate, and future P/E assumptions. Analyst Commentary Recent Street research on Customers Bancorp highlights a mixed backdrop, with some firms maintaining constructive views on growth and earnings potential while others are recalibrating price targets and risk assumptions.
Narrative Update • Mar 20

CUBI: Commercial Banking Expansion Is Expected To Unlock Further Upside Potential

Analysts now set the blended price target for Customers Bancorp at $104.00, reflecting updated views that factor in modestly higher revenue growth and profit margin assumptions, set against a backdrop of mixed ratings but generally supportive commentary on valuation and earnings potential. Analyst Commentary Recent research updates show a mix of views on Customers Bancorp, with a clear cluster of bullish analysts highlighting valuation support, balance sheet repositioning, and potential growth in commercial banking as key themes behind their outlooks and price targets.
Narrative Update • Mar 06

CUBI: Commercial Expansion And Buybacks Are Expected To Support Further Upside

Analysts have nudged their price target for Customers Bancorp higher to $104, reflecting updated assumptions around slightly stronger revenue growth, profit margins, and a modestly lower future P/E multiple, alongside recent Street research that has generally increased targets into the $90 range. Analyst Commentary Recent Street research has tilted constructive on Customers Bancorp, with several firms revising their views and targets in a more positive direction.
Narrative Update • Feb 19

CUBI: Share Repurchases And Margin Outlook Are Expected To Support Further Upside

Analysts have raised their average price targets on Customers Bancorp by a few dollars per share, with changes including $2, $5, $6 and $14 increases, citing updated views on growth, profitability and valuation assumptions. Analyst Commentary Bullish analysts are signaling a more constructive stance on Customers Bancorp, reflected in a series of price target adjustments ranging from US$2 to US$14 per share.
Narrative Update • Feb 04

CUBI: Higher Margins And Improved Risk Profile Are Expected To Support Upside

The analyst price target for Customers Bancorp has increased from US$95 to US$104, with analysts referencing updated assumptions around revenue growth, profit margins, discount rate, and future P/E as key drivers behind the change. Analyst Commentary Recent Street research has reflected a more optimistic tone on Customers Bancorp, with several bullish analysts revisiting their valuation work and adjusting price targets upward.
Narrative Update • Jan 21

CUBI: Higher Margins And Preferred Redemption Are Expected To Support Upside

Analysts lifted their fair value estimate for Customers Bancorp to US$95 from US$82, citing stronger expected profit margins, a higher future P/E assumption and continued momentum in areas like new banking team hires, cubiX and loan growth. Analyst Commentary Recent Street research has leaned more positive on Customers Bancorp, with bullish analysts pointing to the bank's operational momentum and updated assumptions that feed into higher valuation targets.
Narrative Update • Jan 07

CUBI: Firing-On-All-Cylinders Loan Engine Will Drive Future Share Outperformance

Analysts have inched their fair value estimate for Customers Bancorp up from US$85.33 to US$87.00, pointing to a slightly higher assumed profit margin and P/E multiple. This is supported by views that the bank's growth engine is "firing on all cylinders" across new team hires, cubiX, and loan growth.
Narrative Update • Dec 24

CUBI Execution Risks Around New Banking Teams May Limit Future Upside

Analysts have raised their fair value estimate for Customers Bancorp from $55.00 to approximately $68.19 per share. They cite a robust growth engine with accelerating momentum in new banking team hires, digital initiatives, and loan expansion as key drivers behind the higher price target.
Narrative Update • Dec 09

CUBI: Ongoing Loan Expansion Will Drive Future Share Price Outperformance

Analysts have nudged their price target for Customers Bancorp modestly higher, lifting fair value by about $1 to roughly $85 per share as they factor in slightly faster revenue growth, resilient margins, and continued momentum in loan expansion and digital initiatives despite some recalibration of favored stock lists. Analyst Commentary Recent Street research reflects a generally constructive stance on Customers Bancorp, with some selective pruning from favored stock lists tempering the otherwise positive narrative.
Narrative Update • Nov 25

CUBI: Continued Digital Expansion And New Team Hires Will Drive Outperformance

Analysts have raised their price target on Customers Bancorp from $89 to $95, citing robust momentum in team expansion, digital platform development, and loan growth as key factors supporting this upward revision. Analyst Commentary Recent street research highlights contrasting perspectives on Customers Bancorp, reflecting both optimism around growth drivers and caution regarding potential headwinds that could impact valuation and performance.
Narrative Update • Nov 10

CUBI: Accelerating Loan Growth And Team Expansion Will Drive Further Upside

Customers Bancorp's analyst price target has increased from $80.13 to $84.75, as analysts cite strengthening revenue growth and continued operational momentum to support the higher valuation. Analyst Commentary Analyst perspectives on Customers Bancorp remain divided, with several highlighting growth opportunities alongside some cautionary notes.
Narrative Update • Oct 27

Recent Removal From Favorites Will Shape Future Digital Finance Leadership

Customers Bancorp’s analyst price target was raised from $77.29 to $80.13 as analysts cite modest adjustments to discount rates, as well as a revised outlook on growth and profitability. Analyst Commentary Market watchers continue to examine both the opportunities and risks surrounding Customers Bancorp as analysts adjust their expectations for the company’s future.
Seeking Alpha • Feb 25

Customers Bancorp: Rating Downgrade For High-Yielding Preferreds On Interest Rate Uncertainty

Summary Customers Bancorp's preferred shares are downgraded to hold due to the likelihood of being called amid potential interest rate cuts stalling. The bank's financial results show improved net interest margin and net interest income despite challenges in interest income. Robust loan and deposit growth in 2024, with a modest loan to deposit ratio, supports the bank's financial stability. Investors should wait for clearer interest rate outlooks before investing further in Customers Bancorp's preferred shares. Read the full article on Seeking Alpha
Seeking Alpha • Dec 10

Customers Bancorp: The Series E Preferred Is Now The Best Income Option

Summary Customers Bancorp's Series E preferred shares offer a higher dividend yield and tax advantages over baby bonds, making them an attractive investment. The bank has managed interest rate volatility well, maintaining a net interest margin above 3% and reducing dependence on external borrowing. Despite challenges in loan and deposit growth, the bank has kept its loan to deposit ratio under 80%, stabilizing its financial position. Risks include significant commercial loan exposure and a lower-than-average allowance for credit losses, but nonperforming loans are currently under control. Read the full article on Seeking Alpha
Seeking Alpha • Oct 20

Customers Bancorp: Despite Some Troubles, The Firm Is Still Worth Considering

Summary Customers Bancorp, with a market cap of $1.50 billion, remains a 'buy' despite a recent 9.8% stock drop, underperforming the S&P 500. The balance sheet shows mixed results: deposits declined, but loans increased, and debt decreased significantly, reflecting some financial stability. Impressive net interest income growth and reduced credit loss provisions boosted net profits, though non-interest expenses like salaries impacted overall gains. Valuation remains attractive with a low price-to-earnings multiple and strong return on equity, but declining balance sheet items warrant careful monitoring. Read the full article on Seeking Alpha
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New Narrative • Sep 24

High-Quality Loan Growth Signals Bright Future Despite Analysts Predicting Shrinking Margins And Earnings Challenges

Strong loan growth and strategic deposit management are expected to drive future revenue growth and enhance earnings through improved net margins.
Seeking Alpha • Jul 30

Customers Bancorp: Improving Profitability Ratios For This Regional Bank

Summary Customers Bancorp reported a strong Q2 with an increase in net interest margin and exceeded earnings expectations. The bank saw growth in specialty lending verticals and a shift towards higher-yielding loans. Despite a decrease in total assets and deposits, CUBI's efficiency ratios improved, and credit quality remained strong, making it an attractive investment opportunity. Trading at a discount to its historical multiple, at 9.0xearnings, shares look compelling for a mid-single digit EPS grower. Read the full article on Seeking Alpha
Seeking Alpha • May 28

Customers Bancorp: This 8.5% Baby Bond Is The Best Opportunity Right Now

Summary Customers Bancorp's financial performance is impacted by rising borrowing costs and declining asset yields, but net interest income remains above pre-pandemic levels. Risks to Customers Bancorp and its common shares include a low allowance for credit losses and a high level of uninsured deposits. New investors should consider investing in the bank's baby bonds for income with capital appreciation potential. Read the full article on Seeking Alpha
Seeking Alpha • Apr 30

Customers Bancorp: Lots Of Cash, But Sluggish Loan Growth

Summary Customers Bancorp reported solid Q1 results, beating expectations for EPS and revenue. Total deposits increased and interest expenses decreased, showing improvement in the composition of deposits. Loan growth was stagnant, but management expects growth between 10% and 15% in 2024. Read the full article on Seeking Alpha
Seeking Alpha • Jan 22

Customers Bancorp: Still Offers Some Upside

Summary Customers Bancorp stock has outperformed the S&P 500, generating a 49.1% gain for investors since my last article. Net interest income and net profits have improved for Customers Bancorp, showing progressive improvement for the company. The value of deposits has increased, while the value of loans and securities has slightly declined. The company's book value per share has also risen. Read the full article on Seeking Alpha

Revenue & Expenses Breakdown

How Customers Bancorp makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

NYSE:CUBI Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
31 Mar 268082693530
31 Dec 257202093390
30 Sep 256521623350
30 Jun 255961323310
31 Mar 255921303280
31 Dec 246411663250
30 Sep 246732013080
30 Jun 247222412950
31 Mar 247002312840
31 Dec 236832352770
30 Sep 236172032720
30 Jun 235741812700
31 Mar 235671942660
31 Dec 225882182640
30 Sep 226742932670
30 Jun 227503422620
31 Mar 227513432590
31 Dec 217363402500
30 Sep 216812952320
30 Jun 215682322190
31 Mar 214981952010
31 Dec 204051291860
30 Sep 20357981870
30 Jun 20332741890
31 Mar 20320581970
31 Dec 19288671590
30 Sep 19320552000
30 Jun 19289341960
31 Mar 19302491910
31 Dec 18311571880
30 Sep 18318611880
30 Jun 18339631910
31 Mar 18341631860
31 Dec 17339641830
30 Sep 17331631750
30 Jun 17340771660
31 Mar 17324731540
31 Dec 16303691360
30 Sep 16280741130
30 Jun 1624270940
31 Mar 1621565870
31 Dec 1520356910
30 Sep 1519552860
30 Jun 1518150820

Quality Earnings: CUBI has high quality earnings.

Growing Profit Margin: CUBI's current net profit margins (33.3%) are higher than last year (22%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: CUBI's earnings have declined by 9.8% per year over the past 5 years.

Accelerating Growth: CUBI's earnings growth over the past year (107.1%) exceeds its 5-year average (-9.8% per year).

Earnings vs Industry: CUBI earnings growth over the past year (107.1%) exceeded the Banks industry 22.8%.

Return on Equity

High ROE: CUBI's Return on Equity (13.1%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/06/18 21:54
End of Day Share Price 2026/06/18 00:00
Earnings2026/03/31
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

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Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Customers Bancorp, Inc. is covered by 18 analysts. 10 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Sameer GokhaleBrean Capital Historical (Janney Montgomery)
Harold GoetschB. Riley Securities, Inc.
Stephen MossCGS International