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CUBI logoCustomers Bancorp, Inc.(CUBI)Earnings, Financials & Key Ratios

CUBI•NYSE•Banking & Credit
$78.24
$2.64B mkt cap·12.6× P/E·Price updated May 6, 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%
  • Tangible BV/Share59.66+6.5%
  • Debt/Equity0.81+5.0%
Technical→

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.

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
EPS
$1.97
Est $1.88
+4.8%
Revenue
$225M
Est $223M
+0.9%
Q1 2026
Feb 27, 2026
EPS
$2.10
Revenue
$388M
Q1 2026
Jan 22, 2026
EPS
$2.06
Est $2.04
+1.0%
Revenue
$237M
Est $228M
+3.7%
Q4 2025
Oct 23, 2025
EPS
$2.20
Est $1.90
+15.8%
Revenue
$228M
Est $215M
+6.0%
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
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
WSFS logoWSFSWSFS Financial CorporationDirect Competitor3.8B72.1114.17-3.05%10.65%0.11
TBBK logoTBBKThe Bancorp, Inc.Direct Competitor2.55B60.4912.29-2.77%28.91%0.61
FFBC logoFFBCFirst Financial Bancorp.Direct Competitor3.21B30.6711.532.75%9.77%0.43
INDB logoINDBIndependent Bank Corp.Direct Competitor3.91B78.6317.396.89%5.07%0.23
CATY logoCATYCathay General BancorpDirect Competitor3.84B57.3212.63-0.43%10.89%0.07
NBTB logoNBTBNBT Bancorp Inc.Direct Competitor2.36B45.2013.5710.36%9.51%0.17
PFIS logoPFISPeoples Financial Services Corp.Product Competitor589.34M58.9010.0222.26%11.81%0.50
AMSF logoAMSFAMERISAFE, Inc.Product Competitor556.33M29.6011.982.63%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
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income267.34M257.88M277.31M403.69M685.07M623.72M687.45M654.4M750.49M
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 Income372.85M417.95M463.74M543.3M780.88M885.37M1.37B1.33B1.36B
Interest Expense105.51M160.07M186.43M139.62M95.81M261.65M679.91M673.43M609.1M
Loan Loss Provision6.77M5.64M24.23M62.77M27.43M60.07M74.61M73.45M75.62M
Non-Interest Income76.54M56.81M32.35M57.24M63.73M9.73M53.49M33.09M54.97M
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 Expense213.24M218M177.66M208.4M280.17M282.09M335.59M389.68M419.07M
Efficiency Ratio47.45%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 Tax45.04M19.36M26.39M46.72M86.94M63.26M80.6M42.9M64.34M
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 Outstanding32.6M32.23M31.65M31.73M33.7M33.55M32.16M32.72M35.4M

CUBI Balance Sheet

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

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments617.69M727.15M808.38M1.9B4.34B3.44B6.25B5.81B62.05M
Cash & Due from Banks146.32M62.13M212.5M693.35M518.03M455.81M3.85B3.79B62.05M
Short Term Investments471.37M665.01M595.88M1.21B3.82B2.99B2.41B2.02B0
Total Investments9.14B9.17B10.59B16.96B18.25B19.49B16.58B17.53B23.78B
Investments Growth %3.79%0.32%15.49%60.15%7.59%6.81%-14.96%5.75%35.65%
Long-Term Investments8.67B8.51B9.99B15.75B14.43B16.5B14.17B15.51B23.78B
Accounts Receivables27.02M32.95M38.07M80.41M92.24M123.37M114.77M108.35M0
Goodwill & Intangibles16.3M16.5M15.2M3.97M3.74M3.63M3.63M3.63M3.63M
Goodwill000000000
Intangible Assets16.3M16.5M15.2M3.97M3.74M3.63M3.63M3.63M3.63M
PP&E (Net)11.96M11.06M9.39M11.22M8.89M9.03M7.37M6.67M16.75M
Other Assets496.86M540.73M654.99M689.87M703.9M812.77M562.87M660.35M898.25M
Total Current Assets644.72M760.1M846.45M1.98B4.43B3.57B6.57B6.13B165.68M
Total Non-Current Assets9.19B9.07B10.67B16.46B15.15B17.33B14.74B16.18B24.73B
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 Payable56.21M66.45M126.24M152.08M251.13M230.67M000
Total Debt2.06B1.67B1.69B1.41B1.18B1.11B1.51B1.41B1.71B
Net Debt1.92B1.61B1.48B712.08M661.73M649.73M-2.34B-2.38B1.64B
Long-Term Debt1.91B1.48B304.75M305.43M404.76M805.53M1.51B1.31B1.71B
Short-Term Debt155M187M1.39B1.1B775M300M0100M7.44M
Other Liabilities0004.45B00248.36M215.17M5.32B
Total Current Liabilities7.01B7.4B10.16B12.56B17.8B18.69B17.92B18.95B15.75B
Total Non-Current Liabilities1.91B1.48B304.75M4.76B404.76M805.53M1.76B1.53B7.03B
Total Liabilities8.92B8.88B10.47B17.32B18.21B19.49B19.68B20.47B22.78B
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 Share28.2529.6833.2735.2140.5441.8250.9556.1459.76
Tangible BV per Share27.7529.1732.7935.0840.4341.7150.8356.0259.66
Common Stock31.91M32.25M32.62M32.99M34.72M35.01M35.46M35.76M36.19M
Additional Paid-in Capital422.1M434.31M444.22M455.59M542.39M551.72M564.54M575.33M666.76M
Retained Earnings258.08M316.65M381.52M438.58M705.73M924.13M1.16B1.33B1.54B
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 Stock217.47M217.47M217.47M217.47M137.79M137.79M137.79M137.79M0

CUBI Cash Flow Statement

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

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations62.19M97.47M78.28M152.02M271.16M-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 Income78.84M71.69M81.39M143.04M354.27M228.03M250.14M181.47M224.09M
Depreciation & Amortization10.8M14.16M13.61M18.51M21.67M27.16M31.81M33.55M37.86M
Deferred Taxes14.82M9.3M9.64M-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 Investments817.33M520.5M136.26M623.91M1.01B1.51B873.15M1.55B1B
Net Investment Activity20.73M-242.75M136.26M-578M-2.62B149.79M798.65M679.72M32.8M
Acquisitions0-1.5M003.77M0000
Other Investing-561.5M179.13M-1.53B-5.82B1.45B-1.33B2.4B-1.62B-2.09B
Cash from Financing384.55M-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 Repurchases0-12.98M-571K0-110.16M-33.16M-39.81M-19.24M-148.14M
Stock Issued2.72M3.58M2.15M923K27.76M533K3.11M1.76M165.85M
Net Stock Activity2.72M-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 Effect000000000
Cash at Beginning264.71M146.32M62.13M212.5M693.35M518.03M455.81M3.85B3.79B
Cash at End146.32M62.13M212.5M693.35M518.03M455.81M3.85B3.79B4.41B
Interest Paid101.58M160.38M182.6M131.36M107.92M226.99M649.54M715.21M600.87M
Income Taxes Paid40.28M4.79M7.41M3.25M94.09M80.05M44.97M57.59M36.08M
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 Margin2.66%2.72%2.62%2.41%2.19%3.5%2.98%3.22%2.93%3.01%
Efficiency Ratio46.75%47.45%45.92%35.81%34.7%33.17%31.51%23.62%28.63%29.63%
Equity / Assets9.12%9.36%9.73%9.14%6.06%6.98%6.71%7.69%8.23%8.5%
Book Value / Share28.5228.2529.6833.2735.2140.5441.8250.9556.1459.76
NII Growth27.11%7.15%-3.54%7.54%45.57%69.7%-8.96%10.22%-4.81%14.68%

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 0.39%. 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.

Explore More CUBI

Customers Bancorp, Inc. (CUBI) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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