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Customers Bancorp, Inc 5.375% S(CUBB)Earnings, Financials & Key Ratios
CUBB•NYSE•Banking & Credit
$21.68
3.5× P/E·Price updated Jun 27, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutCustomers Bancorp, Inc. engages in the provision of banking services through its subsidiary, Customers Bank. The firm also provides banking products such as loans and deposits to businesses and consumers through its branches, limited production, and administrative offices. The company was founded in 1997 and is headquartered in Malvern, PA.Show more
- Net Interest Income$750M+14.7%
- Total Revenue$1.38B-0.9%
- Net Income$224M+23.5%
- Return on Equity11.34%+8.6%
- Net Interest Margin3.01%+2.8%
- Efficiency Ratio27.66%-7.9%
- ROA0.95%+14.1%
- Equity / Assets8.5%+3.2%
- Book Value per Share63.27+12.7%
CUBB Price & Volume
Customers Bancorp, Inc 5.375% S (CUBB) stock price & volume — 10-year historical chart
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Specialized Lending Growth Faces Margin Compression Headwinds
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Mixed
Profitability:Moderate
Financial Position:Adequate
Cash Flow:Mixed
Primary Risk:Regulatory fintech partnership scrutiny
"Customers Bancorp continues to scale its specialty lending portfolio, evidenced by asset growth to $25.9 billion in 2026Q1, though this expansion is tempered by persistent net interest margin stagnation between 0.7% and 0.8%. While the bank maintains a stable 8% equity-to-assets ratio, investors should monitor the rising provision for loan losses, which increased to $23.4 million in 2026Q1, as a potential indicator of credit quality deterioration. The firm's reliance on organic earnings to support capital buffers, combined with regulatory scrutiny of fintech partnerships, suggests a cautious outlook despite the attractive 3.46 P/E valuation."
Verdict Logic
while the stock trades at a low 3.46 P/E and 0.34 P/B, the persistent 0.7%-0.8% NIM compression and rising $23.4 million quarterly provision expenses warrant a wait-and-see approach regarding credit risk.
CUBB Growth Metrics
Customers Bancorp, Inc 5.375% S (CUBB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years17.51%
5 Years17.77%
3 Years14.12%
TTM-
Profit CAGR
10 Years14.36%
5 Years11.07%
3 Years-0.58%
TTM99.35%
EPS CAGR
10 Years12.31%
5 Years8.41%
3 Years-1.3%
TTM98.49%
Return on Capital
10 Years1.59%
5 Years1.51%
3 Years1.27%
Last Year1.22%
CUBB Recent Earnings
Customers Bancorp, Inc 5.375% S (CUBB) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 3/11 qtrs (60%)●Beat Revenue 5/11 qtrs (100%)
Q2 2026Latest
Apr 23, 2026Metric
Actual
Est
EPS
$2.04+7.4%
$1.90
Rev
$370M+65.1%
$224M
Q1 2026
Feb 27, 2026Metric
Actual
Est
EPS
$2.10
—
Rev
$388M
—
Q1 2026
Jan 22, 2026Metric
Actual
Est
EPS
$1.98-2.5%
$2.03
Rev
$237M+3.7%
$228M
Q4 2025
Oct 23, 2025Metric
Actual
Est
EPS
$2.26+18.9%
$1.90
Rev
$365M+69.7%
$215M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $2.04vs $1.90+7.4% | $370Mvs $224M+65.1% |
| Q1 2026 | Feb 27, 2026 | $2.10 | $388M |
| Q1 2026 | Jan 22, 2026 | $1.98vs $2.03-2.5% | $237Mvs $228M+3.7% |
| Q4 2025 | Oct 23, 2025 | $2.26vs $1.90+18.9% | $365Mvs $215M+69.7% |
Based on last 11 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Customers Bancorp, Inc 5.375% S (CUBB)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $21.68 | $740.76M | 3.46 | -0.88% | 16.28% | 11.34% | 1.49% | |
| $81.01 | $2.73B | 13.07 | 3.94% | 15.84% | 11.25% | — | |
| $77.36 | $4.03B | 15.20 | -3.05% | 22.64% | 11.38% | — | |
| $62.27 | $2.59B | 12.66 | -2.77% | 29.67% | 30.56% | — | |
| $33.78 | $3.54B | 12.70 | 2.75% | 20.93% | 10.23% | — | |
| $36.23 | $746.56M | 11.08 | -0.3% | 22.54% | 14.15% | — |
Compare CUBB vs Peers
Customers Bancorp, Inc 5.375% S (CUBB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CUBB SEC Filings & Documents
Customers Bancorp, Inc 5.375% S (CUBB) SEC filings — annual & quarterly reports (10-K, 10-Q)
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CUBB Frequently Asked Questions
Customers Bancorp, Inc 5.375% S (CUBB) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Customers Bancorp, Inc 5.375% S growing?
Customers Bancorp, Inc 5.375% S (CUBB) saw revenue decline by 0.9% over the past year.
Is CUBB profitable?
Yes, Customers Bancorp, Inc 5.375% S (CUBB) is profitable, generating $280.8M in net income for fiscal year 2025 (16.3% net margin).
Dividend & Returns
Does CUBB pay dividends?
Yes, Customers Bancorp, Inc 5.375% S (CUBB) pays a dividend with a yield of 1.49%. This makes it attractive for income-focused investors.
What is CUBB's return on equity?
Customers Bancorp, Inc 5.375% S (CUBB) has a return on equity (ROE) of 11.3%. This is reasonable for most industries.
Industry Metrics
What is Customers Bancorp, Inc 5.375% S's net interest margin?
Customers Bancorp, Inc 5.375% S (CUBB) has a net interest margin (NIM) of 3.0%. This indicates healthy earnings from lending activities.
What is Customers Bancorp, Inc 5.375% S's efficiency ratio?
Customers Bancorp, Inc 5.375% S (CUBB) has an efficiency ratio of 27.7%. This is excellent, indicating strong cost control.