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CUBICustomers Bancorp, Inc.
$75.79$2.6B
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CUBI logoCustomers Bancorp, Inc.(CUBI)Earnings, Financials & Key Ratios

CUBI•NYSE•Banking & Credit
12.2× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutCustomers 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.Show more
  • Net Interest Income$750M+14.7%
  • Total Revenue$1.41B+3.9%
  • Net Income$224M+23.5%
  • Return on Equity11.34%+8.6%
  • Net Interest Margin3.01%+2.8%
  • Efficiency Ratio29.63%+3.5%
  • ROA0.95%+14.1%
  • Equity / Assets8.5%+3.2%
  • Book Value per Share59.76+6.5%

CUBI Key Insights

Customers Bancorp, Inc. (CUBI) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Efficient operations: 29.6% efficiency ratio
  • ✓Trading at only 1.3x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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CUBI Price & Volume

Customers Bancorp, Inc. (CUBI) stock price & volume — 10-year historical chart

Loading chart...

CUBI Growth Metrics

Customers Bancorp, Inc. (CUBI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years17.73%
5 Years18.69%
3 Years16.48%
TTM-

Profit CAGR

10 Years14.36%
5 Years11.07%
3 Years-0.58%
TTM23.49%

EPS CAGR

10 Years12.21%
5 Years8.78%
3 Years-1.61%
TTM22.05%

Return on Capital

10 Years8.01%
5 Years9.92%
3 Years7.8%
Last Year4.97%

CUBI Recent Earnings

Customers Bancorp, Inc. (CUBI) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 9/12 qtrs (82%)●Beat Revenue 8/12 qtrs (73%)
Q2 2026Latest
Apr 23, 2026
Metric
Actual
Est
EPS
$1.97+4.8%
$1.88
Rev
$225M+0.9%
$223M
Q1 2026
Feb 27, 2026
Metric
Actual
Est
EPS
$2.10
—
Rev
$388M
—
Q1 2026
Jan 22, 2026
Metric
Actual
Est
EPS
$2.06+1.0%
$2.04
Rev
$237M+3.7%
$228M
Q4 2025
Oct 23, 2025
Metric
Actual
Est
EPS
$2.20+15.8%
$1.90
Rev
$228M+6.0%
$215M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 23, 2026
$1.97vs $1.88+4.8%
$225Mvs $223M+0.9%
Q1 2026Feb 27, 2026
$2.10
$388M
Q1 2026Jan 22, 2026
$2.06vs $2.04+1.0%
$237Mvs $228M+3.7%
Q4 2025Oct 23, 2025
$2.20vs $1.90+15.8%
$228Mvs $215M+6.0%
Based on last 12 quarters of dataView full earnings history →

CUBI Peer Comparison

Customers Bancorp, Inc. (CUBI) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
WSFS logoWSFSWSFS Financial CorporationDirect Competitor3.91B74.1414.57-3.05%21.14%10.65%0.11
TBBK logoTBBKThe Bancorp, Inc.Direct Competitor2.37B56.1711.42-2.77%27.27%28.91%0.61
FFBC logoFFBCFirst Financial Bancorp.Direct Competitor3.31B31.6111.882.75%20.3%9.77%0.43
INDB logoINDBIndependent Bank Corp.Direct Competitor4.01B81.0518.2119.82%17.57%6.21%0.25
CATY logoCATYCathay General BancorpDirect Competitor3.96B59.0913.02-0.43%22.76%10.89%0.07
NBTB logoNBTBNBT Bancorp Inc.Direct Competitor2.44B46.6814.0210.36%18.76%9.51%0.17
PFIS logoPFISPeoples Financial Services Corp.Product Competitor622.75M62.2410.5922.26%21.04%11.81%0.50
AMSF logoAMSFAMERISAFE, Inc.Product Competitor588.66M31.3212.682.63%14.27%9.68%0.00

Compare CUBI vs Peers

Customers Bancorp, Inc. (CUBI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs WSFS

Most directly comparable listed peer for CUBI.

Scale Benchmark

vs V

Larger-name benchmark to compare CUBI against a more recognizable public peer.

Peer Set

Compare Top 5

vs WSFS, TBBK, FFBC, INDB

CUBI Income Statement

Customers Bancorp, Inc. (CUBI) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income
267.34M257.88M277.31M403.69M685.07M623.72M687.45M654.4M750.49M
NII Growth %
7.15%-3.54%7.54%45.57%69.7%-8.96%10.22%-4.81%14.68%
Net Interest Margin %
2.72%2.62%2.41%2.19%3.5%2.98%3.22%2.93%3.01%
Interest Income
372.85M417.95M463.74M543.3M780.88M885.37M1.37B1.33B1.36B
Interest Expense
105.51M160.07M186.43M139.62M95.81M261.65M679.91M673.43M609.1M
Loan Loss Provision
6.77M5.64M24.23M62.77M27.43M60.07M74.61M73.45M75.62M
Non-Interest Income
76.54M56.81M32.35M57.24M63.73M9.73M53.49M33.09M54.97M
Non-Interest Income %
17.03%11.97%6.52%9.53%7.55%1.09%3.76%2.43%3.89%
Total Revenue
449.39M▲ 0%
474.77M▲ 5.6%
496.09M▲ 4.5%
600.55M▲ 21.1%
844.61M▲ 40.6%
895.1M▲ 6.0%
1.42B▲ 58.7%
1.36B▼ 4.2%
1.41B▲ 3.9%
Revenue Growth %
19.25%5.65%4.49%21.06%40.64%5.98%58.74%-4.22%3.94%
Non-Interest Expense
213.24M218M177.66M208.4M280.17M282.09M335.59M389.68M419.07M
Efficiency Ratio
47.45%45.92%35.81%34.7%33.17%31.51%23.62%28.63%29.63%
Operating Income
123.88M▲ 0%
91.05M▼ 26.5%
107.78M▲ 18.4%
189.76M▲ 76.1%
441.21M▲ 132.5%
291.3M▼ 34.0%
330.74M▲ 13.5%
224.37M▼ 32.2%
310.77M▲ 38.5%
Operating Margin %
27.57%19.18%21.73%31.6%52.24%32.54%23.28%16.49%21.97%
Operating Income Growth %
-0.57%-26.5%18.37%76.06%132.51%-33.98%13.54%-32.16%38.51%
Pretax Income
123.88M▲ 0%
91.05M▼ 26.5%
107.78M▲ 18.4%
189.76M▲ 76.1%
441.21M▲ 132.5%
291.3M▼ 34.0%
330.74M▲ 13.5%
224.37M▼ 32.2%
288.43M▲ 28.5%
Pretax Margin %
27.57%19.18%21.73%31.6%52.24%32.54%23.28%16.49%20.39%
Income Tax
45.04M19.36M26.39M46.72M86.94M63.26M80.6M42.9M64.34M
Effective Tax Rate %
36.36%21.26%24.49%24.62%19.7%21.72%24.37%19.12%22.31%
Net Income
78.84M▲ 0%
71.69M▼ 9.1%
79.33M▲ 10.6%
132.58M▲ 67.1%
314.65M▲ 137.3%
228.03M▼ 27.5%
250.14M▲ 9.7%
181.47M▼ 27.5%
224.09M▲ 23.5%
Net Margin %
17.54%15.1%15.99%22.08%37.25%25.48%17.61%13.33%15.84%
Net Income Growth %
0.17%-9.06%10.65%67.13%137.33%-27.53%9.7%-27.45%23.49%
Net Income (Continuing)
78.84M71.69M81.39M143.04M354.27M228.03M250.14M181.47M224.09M
EPS (Diluted)
1.97▲ 0%
1.78▼ 9.6%
2.05▲ 15.2%
4.07▲ 98.5%
10.08▲ 147.7%
6.51▼ 35.4%
7.32▲ 12.4%
5.09▼ 30.5%
6.20▲ 21.8%
EPS Growth %
-14.72%-9.64%15.17%98.54%147.67%-35.42%12.44%-30.46%21.81%
EPS (Basic)
2.101.812.084.0910.516.697.495.286.40
Diluted Shares Outstanding
32.6M32.23M31.65M31.73M33.7M33.55M32.16M32.72M35.4M

CUBI Balance Sheet

Customers Bancorp, Inc. (CUBI) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments
617.69M727.15M808.38M1.9B4.34B3.44B6.25B5.81B62.05M
Cash & Due from Banks
146.32M62.13M212.5M693.35M518.03M455.81M3.85B3.79B62.05M
Short Term Investments
471.37M665.01M595.88M1.21B3.82B2.99B2.41B2.02B0
Total Investments
9.14B9.17B10.59B16.96B18.25B19.49B16.58B17.53B23.78B
Investments Growth %
3.79%0.32%15.49%60.15%7.59%6.81%-14.96%5.75%35.65%
Long-Term Investments
8.67B8.51B9.99B15.75B14.43B16.5B14.17B15.51B23.78B
Accounts Receivables
27.02M32.95M38.07M80.41M92.24M123.37M114.77M108.35M0
Goodwill & Intangibles
16.3M16.5M15.2M3.97M3.74M3.63M3.63M3.63M3.63M
Goodwill
000000000
Intangible Assets
16.3M16.5M15.2M3.97M3.74M3.63M3.63M3.63M3.63M
PP&E (Net)
11.96M11.06M9.39M11.22M8.89M9.03M7.37M6.67M16.75M
Other Assets
496.86M540.73M654.99M689.87M703.9M812.77M562.87M660.35M898.25M
Total Current Assets
644.72M760.1M846.45M1.98B4.43B3.57B6.57B6.13B165.68M
Total Non-Current Assets
9.19B9.07B10.67B16.46B15.15B17.33B14.74B16.18B24.73B
Total Assets
9.84B▲ 0%
9.83B▼ 0.1%
11.52B▲ 17.2%
18.44B▲ 60.1%
19.58B▲ 6.2%
20.9B▲ 6.7%
21.32B▲ 2.0%
22.31B▲ 4.7%
24.9B▲ 11.6%
Asset Growth %
4.87%-0.06%17.16%60.05%6.16%6.75%2.01%4.65%11.6%
Return on Assets (ROA)
0.82%0.73%0.74%0.89%1.66%1.13%1.19%0.83%0.95%
Accounts Payable
56.21M66.45M126.24M152.08M251.13M230.67M000
Total Debt
2.06B1.67B1.69B1.41B1.18B1.11B1.51B1.41B1.71B
Net Debt
1.92B1.61B1.48B712.08M661.73M649.73M-2.34B-2.38B1.64B
Long-Term Debt
1.91B1.48B304.75M305.43M404.76M805.53M1.51B1.31B1.71B
Short-Term Debt
155M187M1.39B1.1B775M300M0100M7.44M
Other Liabilities
0004.45B00248.36M215.17M5.32B
Total Current Liabilities
7.01B7.4B10.16B12.56B17.8B18.69B17.92B18.95B15.75B
Total Non-Current Liabilities
1.91B1.48B304.75M4.76B404.76M805.53M1.76B1.53B7.03B
Total Liabilities
8.92B8.88B10.47B17.32B18.21B19.49B19.68B20.47B22.78B
Total Equity
920.96M▲ 0%
956.82M▲ 3.9%
1.05B▲ 10.0%
1.12B▲ 6.1%
1.37B▲ 22.3%
1.4B▲ 2.7%
1.64B▲ 16.8%
1.84B▲ 12.1%
2.12B▲ 15.2%
Equity Growth %
7.61%3.89%10.03%6.11%22.3%2.69%16.78%12.1%15.18%
Equity / Assets (Capital Ratio)
9.36%9.73%9.14%6.06%6.98%6.71%7.69%8.23%8.5%
Return on Equity (ROE)
8.87%7.64%7.89%12.22%25.34%16.47%16.45%10.44%11.34%
Book Value per Share
28.2529.6833.2735.2140.5441.8250.9556.1459.76
Tangible BV per Share
27.7529.1732.7935.0840.4341.7150.8356.0259.66
Common Stock
31.91M32.25M32.62M32.99M34.72M35.01M35.46M35.76M36.19M
Additional Paid-in Capital
422.1M434.31M444.22M455.59M542.39M551.72M564.54M575.33M666.76M
Retained Earnings
258.08M316.65M381.52M438.58M705.73M924.13M1.16B1.33B1.54B
Accumulated OCI
-359K-22.66M-1.25M-5.76M-4.98M-163.1M-136.57M-96.56M-54.05M
Treasury Stock
-8.23M-21.21M-21.78M-21.78M-49.44M-82.6M-122.41M-141.65M-68.57M
Preferred Stock
217.47M217.47M217.47M217.47M137.79M137.79M137.79M137.79M0

CUBI Cash Flow Statement

Customers Bancorp, Inc. (CUBI) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations
62.19M97.47M78.28M152.02M271.16M-20.82M124.73M145.06M494.76M
Operating CF Growth %
-31.96%56.73%-19.69%94.2%78.37%-107.68%698.94%16.3%241.08%
Net Income
78.84M71.69M81.39M143.04M354.27M228.03M250.14M181.47M224.09M
Depreciation & Amortization
10.8M14.16M13.61M18.51M21.67M27.16M31.81M33.55M37.86M
Deferred Taxes
14.82M9.3M9.64M-15.85M17.75M6.91M22.18M-1.14M-10.99M
Other Non-Cash Items
-489K17.31M54.48M51.15M-286.02M-272.49M-234.25M49.55M170.06M
Working Capital Changes
-48.94M-24.73M-90.68M-57.71M149.64M-24.59M42.26M-132.81M55.28M
Cash from Investing
-565.13M-104.1M-1.44B-6.42B-1.2B-1.3B3.16B-1.01B-2.06B
Purchase of Investments
-796.59M-763.24M0-1.2B-3.63B-1.36B-74.5M-865.88M-968.57M
Sale/Maturity of Investments
817.33M520.5M136.26M623.91M1.01B1.51B873.15M1.55B1B
Net Investment Activity
20.73M-242.75M136.26M-578M-2.62B149.79M798.65M679.72M32.8M
Acquisitions
0-1.5M003.77M0000
Other Investing
-561.5M179.13M-1.53B-5.82B1.45B-1.33B2.4B-1.62B-2.09B
Cash from Financing
384.55M-77.56M1.52B6.75B754.77M1.26B108.09M800.62M2.19B
Dividends Paid
-14.46M-14.46M-14.46M-14.08M-10.83M-9.33M-14.64M-15.15M-10.8M
Share Repurchases
0-12.98M-571K0-110.16M-33.16M-39.81M-19.24M-148.14M
Stock Issued
2.72M3.58M2.15M923K27.76M533K3.11M1.76M165.85M
Net Stock Activity
2.72M-9.39M1.58M923K-82.4M-32.63M-36.69M-17.48M17.71M
Debt Issuance (Net)
1000K-1000K-1000K1000K-1000K-1000K1000K-1000K1000K
Other Financing
-445.33M373.33M1.86B2.35B5.31B1.37B-240.58M928.25M1.89B
Net Change in Cash
-118.39M▲ 0%
-84.19M▲ 28.9%
150.37M▲ 278.6%
480.85M▲ 219.8%
-175.32M▼ 136.5%
-62.23M▲ 64.5%
3.39B▲ 5548.8%
-60.41M▼ 101.8%
625.53M▲ 1135.4%
Exchange Rate Effect
000000000
Cash at Beginning
264.71M146.32M62.13M212.5M693.35M518.03M455.81M3.85B3.79B
Cash at End
146.32M62.13M212.5M693.35M518.03M455.81M3.85B3.79B4.41B
Interest Paid
101.58M160.38M182.6M131.36M107.92M226.99M649.54M715.21M600.87M
Income Taxes Paid
40.28M4.79M7.41M3.25M94.09M80.05M44.97M57.59M36.08M
Free Cash Flow
37.84M▲ 0%
56.99M▲ 50.6%
28.21M▼ 50.5%
123.23M▲ 336.8%
238.21M▲ 93.3%
-134.17M▼ 156.3%
83.39M▲ 162.1%
79.87M▼ 4.2%
481.02M▲ 502.3%
FCF Growth %
-55.99%50.62%-50.5%336.85%93.31%-156.32%162.15%-4.22%502.25%

CUBI Banking Ratios

Customers Bancorp, Inc. (CUBI) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)
11.17%8.87%7.64%7.89%12.22%25.34%16.47%16.45%10.44%11.34%
Return on Assets (ROA)
0.89%0.82%0.73%0.74%0.89%1.66%1.13%1.19%0.83%0.95%
Net Interest Margin
2.66%2.72%2.62%2.41%2.19%3.5%2.98%3.22%2.93%3.01%
Efficiency Ratio
46.75%47.45%45.92%35.81%34.7%33.17%31.51%23.62%28.63%29.63%
Equity / Assets
9.12%9.36%9.73%9.14%6.06%6.98%6.71%7.69%8.23%8.5%
Book Value / Share
28.5228.2529.6833.2735.2140.5441.8250.9556.1459.76
NII Growth
27.11%7.15%-3.54%7.54%45.57%69.7%-8.96%10.22%-4.81%14.68%
Related:CUBI Dividend History·CUBI Revenue History·CUBI Price History·CUBI P/E History·CUBI Financial Ratios·CUBI Institutional Holders

CUBI SEC Filings & Documents

Customers Bancorp, Inc. (CUBI) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 23, 2026·SEC

Material company update

Apr 15, 2026·SEC

Material company update

Mar 24, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 27, 2026·SEC

FY 2025

Feb 28, 2025·SEC

10-Q Quarterly Reports

3
FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 7, 2025·SEC

FY 2025

May 9, 2025·SEC

CUBI Frequently Asked Questions

Customers Bancorp, Inc. (CUBI) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Customers Bancorp, Inc. (CUBI) grew revenue by 3.9% over the past year. Growth has been modest.

Yes, Customers Bancorp, Inc. (CUBI) is profitable, generating $224.1M in net income for fiscal year 2025 (15.8% net margin).

Dividend & Returns

Yes, Customers Bancorp, Inc. (CUBI) pays a dividend with a yield of 0.40%. This makes it attractive for income-focused investors.

Customers Bancorp, Inc. (CUBI) has a return on equity (ROE) of 11.3%. This is reasonable for most industries.

Industry Metrics

Customers Bancorp, Inc. (CUBI) has a net interest margin (NIM) of 3.0%. This indicates healthy earnings from lending activities.

Customers Bancorp, Inc. (CUBI) has an efficiency ratio of 29.6%. This is excellent, indicating strong cost control.

What if you invested $1,000 in CUBI back in 2009?

Total return calculator · dividends reinvested · 17+ years of data

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How much would $100/month in CUBI be worth today?

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