Customers Bancorp, Inc. (CUBI) AI Stock Analysis

Customers Bancorp, Inc. serves as the holding company for Customers Bank, providing banking products and services to individual consumers, small businesses, and middle market enterprises. Headquartered in West Reading, Pennsylvania, the bank operates 12 full-service branches alongside administrative offices across Southeastern Pennsylvania, New York, New Jersey, Massachusetts, Rhode Island, New Hampshire, Washington D.C., Illinois, Texas, Florida, and North Carolina. Its offerings include checking, savings, and money market deposit accounts, alongside commercial mortgage warehouse loans, commercial real estate loans, small business loans, equipment financing, and residential mortgages, supported by mobile banking and cash management services.

Customers Bancorp achieved a five-year revenue CAGR of 18.7% from FY2020 to FY2025. Annual revenue grew from $844.6M in FY2021 to $1.37B in FY2023, before dipping to $1.36B in FY2024 and rebounding 3.9% to $1.41B in FY2025. Net income was $314.6M in FY2021, $228.0M in FY2022, $250.1M in FY2023, $181.5M in FY2024, and $224.1M in FY2025, yielding an EPS of $7.60. For the trailing twelve months ended June 30, 2026, revenue stood at $826.8M with a net margin of 35.2%. In the latest quarter, quarterly revenue grew 10.1% year-over-year, while quarterly earnings expanded 18.5%.

As of June 30, 2026, Customers Bancorp held $85.5M in cash and short-term investments, total debt of $2.37B, and net debt of $2.28B against total assets of $26.52B and shareholders' equity of $2.21B. Its debt-to-equity ratio was 1.07 and its current ratio stood at 1.82. In FY2025, operating cash flow reached $494.8M and free cash flow was $333.7M. During that fiscal year, capital expenditures totaled $161.1M, share buybacks absorbed $148.1M, and dividends paid were $10.8M.

Customers Bancorp trades at a trailing P/E of 9.1x and a forward P/E of 8.3x, both below the US-listed Financial Services median of 12.1x and 10.8x, respectively. The stock carries a price-to-book ratio of 1.2x and a price-to-sales ratio of 3.1x, compared to the peer median price-to-sales ratio of 3.2x. Over the past year, CUBI returned 23.6%, outperforming the S&P 500 return of 16.8%. However, over a 5-year span, the stock gained 64.2%, trailing the S&P 500 return of 83.0%.

Among Wall Street analysts, Customers Bancorp has 4 Strong Buy, 3 Buy, 3 Hold, 0 Sell, and 1 Strong Sell ratings. The mean price target of $93.55 implies an upside of 25.1% over the last close of $74.78. The company has beaten EPS expectations in each of the last 4 quarters. For the fiscal year ending December 31, 2026, analysts estimate EPS of $8.39 on revenue of $801.5M. The next earnings date is October 22, 2026.

This page is an AI-written research summary of Customers Bancorp, Inc. (CUBI). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: CUBI income statement, CUBI balance sheet, CUBI key metrics, CUBI analyst forecast, CUBI chart. See the CUBI stock overview for the latest quote and news.