8-K Announcements
6Apr 23, 2026·SEC
Apr 15, 2026·SEC
Mar 24, 2026·SEC
Customers Bancorp, Inc. (CUBI) fundamental analysis — strengths, weaknesses & financial health based on data analysis
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Customers Bancorp, Inc. (CUBI) stock price & volume — 10-year historical chart
Customers Bancorp, Inc. (CUBI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Customers Bancorp, Inc. (CUBI) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $1.97vs $1.88+4.8% | $225Mvs $223M+0.9% |
| Q1 2026 | Feb 27, 2026 | $2.10 | $388M |
| Q1 2026 | Jan 22, 2026 | $2.06vs $2.04+1.0% | $237Mvs $228M+3.7% |
| Q4 2025 | Oct 23, 2025 | $2.20vs $1.90+15.8% | $228Mvs $215M+6.0% |
Customers Bancorp, Inc. (CUBI) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison
Customers Bancorp, Inc. (CUBI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Customers Bancorp, Inc. (CUBI) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 267.34M | 257.88M | 277.31M | 403.69M | 685.07M | 623.72M | 687.45M | 654.4M | 750.49M |
| 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 | 372.85M | 417.95M | 463.74M | 543.3M | 780.88M | 885.37M | 1.37B | 1.33B | 1.36B |
| Interest Expense | 105.51M | 160.07M | 186.43M | 139.62M | 95.81M | 261.65M | 679.91M | 673.43M | 609.1M |
| Loan Loss Provision | 6.77M | 5.64M | 24.23M | 62.77M | 27.43M | 60.07M | 74.61M | 73.45M | 75.62M |
| Non-Interest Income | 76.54M | 56.81M | 32.35M | 57.24M | 63.73M | 9.73M | 53.49M | 33.09M | 54.97M |
| 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 | 213.24M | 218M | 177.66M | 208.4M | 280.17M | 282.09M | 335.59M | 389.68M | 419.07M |
| 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 | 45.04M | 19.36M | 26.39M | 46.72M | 86.94M | 63.26M | 80.6M | 42.9M | 64.34M |
| 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) | 78.84M | 71.69M | 81.39M | 143.04M | 354.27M | 228.03M | 250.14M | 181.47M | 224.09M |
| 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) | 2.10 | 1.81 | 2.08 | 4.09 | 10.51 | 6.69 | 7.49 | 5.28 | 6.40 |
| Diluted Shares Outstanding | 32.6M | 32.23M | 31.65M | 31.73M | 33.7M | 33.55M | 32.16M | 32.72M | 35.4M |
Customers Bancorp, Inc. (CUBI) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 617.69M | 727.15M | 808.38M | 1.9B | 4.34B | 3.44B | 6.25B | 5.81B | 62.05M |
| Cash & Due from Banks | 146.32M | 62.13M | 212.5M | 693.35M | 518.03M | 455.81M | 3.85B | 3.79B | 62.05M |
| Short Term Investments | 471.37M | 665.01M | 595.88M | 1.21B | 3.82B | 2.99B | 2.41B | 2.02B | 0 |
| Total Investments | 9.14B | 9.17B | 10.59B | 16.96B | 18.25B | 19.49B | 16.58B | 17.53B | 23.78B |
| Investments Growth % | 3.79% | 0.32% | 15.49% | 60.15% | 7.59% | 6.81% | -14.96% | 5.75% | 35.65% |
| Long-Term Investments | 8.67B | 8.51B | 9.99B | 15.75B | 14.43B | 16.5B | 14.17B | 15.51B | 23.78B |
| Accounts Receivables | 27.02M | 32.95M | 38.07M | 80.41M | 92.24M | 123.37M | 114.77M | 108.35M | 0 |
| Goodwill & Intangibles | 16.3M | 16.5M | 15.2M | 3.97M | 3.74M | 3.63M | 3.63M | 3.63M | 3.63M |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 16.3M | 16.5M | 15.2M | 3.97M | 3.74M | 3.63M | 3.63M | 3.63M | 3.63M |
| PP&E (Net) | 11.96M | 11.06M | 9.39M | 11.22M | 8.89M | 9.03M | 7.37M | 6.67M | 16.75M |
| Other Assets | 496.86M | 540.73M | 654.99M | 689.87M | 703.9M | 812.77M | 562.87M | 660.35M | 898.25M |
| Total Current Assets | 644.72M | 760.1M | 846.45M | 1.98B | 4.43B | 3.57B | 6.57B | 6.13B | 165.68M |
| Total Non-Current Assets | 9.19B | 9.07B | 10.67B | 16.46B | 15.15B | 17.33B | 14.74B | 16.18B | 24.73B |
| 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 | 56.21M | 66.45M | 126.24M | 152.08M | 251.13M | 230.67M | 0 | 0 | 0 |
| Total Debt | 2.06B | 1.67B | 1.69B | 1.41B | 1.18B | 1.11B | 1.51B | 1.41B | 1.71B |
| Net Debt | 1.92B | 1.61B | 1.48B | 712.08M | 661.73M | 649.73M | -2.34B | -2.38B | 1.64B |
| Long-Term Debt | 1.91B | 1.48B | 304.75M | 305.43M | 404.76M | 805.53M | 1.51B | 1.31B | 1.71B |
| Short-Term Debt | 155M | 187M | 1.39B | 1.1B | 775M | 300M | 0 | 100M | 7.44M |
| Other Liabilities | 0 | 0 | 0 | 4.45B | 0 | 0 | 248.36M | 215.17M | 5.32B |
| Total Current Liabilities | 7.01B | 7.4B | 10.16B | 12.56B | 17.8B | 18.69B | 17.92B | 18.95B | 15.75B |
| Total Non-Current Liabilities | 1.91B | 1.48B | 304.75M | 4.76B | 404.76M | 805.53M | 1.76B | 1.53B | 7.03B |
| Total Liabilities | 8.92B | 8.88B | 10.47B | 17.32B | 18.21B | 19.49B | 19.68B | 20.47B | 22.78B |
| 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 | 28.25 | 29.68 | 33.27 | 35.21 | 40.54 | 41.82 | 50.95 | 56.14 | 59.76 |
| Tangible BV per Share | 27.75 | 29.17 | 32.79 | 35.08 | 40.43 | 41.71 | 50.83 | 56.02 | 59.66 |
| Common Stock | 31.91M | 32.25M | 32.62M | 32.99M | 34.72M | 35.01M | 35.46M | 35.76M | 36.19M |
| Additional Paid-in Capital | 422.1M | 434.31M | 444.22M | 455.59M | 542.39M | 551.72M | 564.54M | 575.33M | 666.76M |
| Retained Earnings | 258.08M | 316.65M | 381.52M | 438.58M | 705.73M | 924.13M | 1.16B | 1.33B | 1.54B |
| 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 | 217.47M | 217.47M | 217.47M | 217.47M | 137.79M | 137.79M | 137.79M | 137.79M | 0 |
Customers Bancorp, Inc. (CUBI) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 62.19M | 97.47M | 78.28M | 152.02M | 271.16M | -20.82M | 124.73M | 145.06M | 494.76M |
| Operating CF Growth % | -31.96% | 56.73% | -19.69% | 94.2% | 78.37% | -107.68% | 698.94% | 16.3% | 241.08% |
| Net Income | 78.84M | 71.69M | 81.39M | 143.04M | 354.27M | 228.03M | 250.14M | 181.47M | 224.09M |
| Depreciation & Amortization | 10.8M | 14.16M | 13.61M | 18.51M | 21.67M | 27.16M | 31.81M | 33.55M | 37.86M |
| Deferred Taxes | 14.82M | 9.3M | 9.64M | -15.85M | 17.75M | 6.91M | 22.18M | -1.14M | -10.99M |
| Other Non-Cash Items | -489K | 17.31M | 54.48M | 51.15M | -286.02M | -272.49M | -234.25M | 49.55M | 170.06M |
| Working Capital Changes | -48.94M | -24.73M | -90.68M | -57.71M | 149.64M | -24.59M | 42.26M | -132.81M | 55.28M |
| Cash from Investing | -565.13M | -104.1M | -1.44B | -6.42B | -1.2B | -1.3B | 3.16B | -1.01B | -2.06B |
| Purchase of Investments | -796.59M | -763.24M | 0 | -1.2B | -3.63B | -1.36B | -74.5M | -865.88M | -968.57M |
| Sale/Maturity of Investments | 817.33M | 520.5M | 136.26M | 623.91M | 1.01B | 1.51B | 873.15M | 1.55B | 1B |
| Net Investment Activity | 20.73M | -242.75M | 136.26M | -578M | -2.62B | 149.79M | 798.65M | 679.72M | 32.8M |
| Acquisitions | 0 | -1.5M | 0 | 0 | 3.77M | 0 | 0 | 0 | 0 |
| Other Investing | -561.5M | 179.13M | -1.53B | -5.82B | 1.45B | -1.33B | 2.4B | -1.62B | -2.09B |
| Cash from Financing | 384.55M | -77.56M | 1.52B | 6.75B | 754.77M | 1.26B | 108.09M | 800.62M | 2.19B |
| 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 | -571K | 0 | -110.16M | -33.16M | -39.81M | -19.24M | -148.14M |
| Stock Issued | 2.72M | 3.58M | 2.15M | 923K | 27.76M | 533K | 3.11M | 1.76M | 165.85M |
| Net Stock Activity | 2.72M | -9.39M | 1.58M | 923K | -82.4M | -32.63M | -36.69M | -17.48M | 17.71M |
| Debt Issuance (Net) | 1000K | -1000K | -1000K | 1000K | -1000K | -1000K | 1000K | -1000K | 1000K |
| Other Financing | -445.33M | 373.33M | 1.86B | 2.35B | 5.31B | 1.37B | -240.58M | 928.25M | 1.89B |
| 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 264.71M | 146.32M | 62.13M | 212.5M | 693.35M | 518.03M | 455.81M | 3.85B | 3.79B |
| Cash at End | 146.32M | 62.13M | 212.5M | 693.35M | 518.03M | 455.81M | 3.85B | 3.79B | 4.41B |
| Interest Paid | 101.58M | 160.38M | 182.6M | 131.36M | 107.92M | 226.99M | 649.54M | 715.21M | 600.87M |
| Income Taxes Paid | 40.28M | 4.79M | 7.41M | 3.25M | 94.09M | 80.05M | 44.97M | 57.59M | 36.08M |
| 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% |
Customers Bancorp, Inc. (CUBI) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 | 28.52 | 28.25 | 29.68 | 33.27 | 35.21 | 40.54 | 41.82 | 50.95 | 56.14 | 59.76 |
| NII Growth | 27.11% | 7.15% | -3.54% | 7.54% | 45.57% | 69.7% | -8.96% | 10.22% | -4.81% | 14.68% |
Customers Bancorp, Inc. (CUBI) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 23, 2026·SEC
Apr 15, 2026·SEC
Mar 24, 2026·SEC
Customers Bancorp, Inc. (CUBI) stock FAQ — growth, dividends, profitability & financials explained
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).
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.
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.
Customers Bancorp, Inc. (CUBI) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates