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CUBI Home Investment Highlights Valuation, Metrics & Events Price Chart Why The Stock Moved Return vs. Risk About CUBI Interactive Breakdown Better Bets vs. CUBI Latest Trefis Analyses Trade Ideas More From Trefis Peer Comparisons FDIC Bank Data FDA Approved Drugs Data Financials Segment Financials Price Behavior Short Interest Earnings Returns History SEC Filings Insider Activity Trade Sentinel Industry Resource Links External Quote Links

Customers Bancorp (CUBI)

Market Price (3/15/2026): $64.68 | Market Cap: $2.2 Bil
Sector: Financials | Industry: Regional Banks

Customers Bancorp (CUBI)

Market Price (3/15/2026): $64.68
Market Cap: $2.2 Bil
Sector: Financials
Industry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 10%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.1%, FCF Yield is 15%		 Weak multi-year price returns
2Y Excs Rtn is -14%		 
1 Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -210%		  
2 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 62%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 42%		  
3 Low stock price volatility
Vol 12M is 39%		  
4 Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments, and Crypto & Blockchain. Themes include Digital Payments, Online Banking & Lending, Show more.		  
0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 10%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.1%, FCF Yield is 15%
1 Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -210%
2 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 62%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 42%
3 Low stock price volatility
Vol 12M is 39%
4 Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments, and Crypto & Blockchain. Themes include Digital Payments, Online Banking & Lending, Show more.
5 Weak multi-year price returns
2Y Excs Rtn is -14%

Valuation, Metrics & Events

Price Chart

Why The Stock Moved

Qualitative Assessment

AI Analysis | Feedback

Customers Bancorp (CUBI) stock has lost about 5% since 11/30/2025 because of the following key factors:

1. Strong Fourth Quarter and Full-Year 2025 Financial Performance: Customers Bancorp reported robust Q4 2025 core earnings of $2.06 per diluted share, surpassing analyst estimates of $2.04 by $0.02. Quarterly revenue also exceeded expectations, reaching $236.90 million against an anticipated $200.38 million. For the full year 2025, the company achieved a record net interest income of $750.5 million, marking a 14.7% increase from 2024, and strengthened its CET1 capital ratio to 13.0% by December 31, 2025, up from 12.1% a year earlier. This strong performance included total deposit growth of 10.3% and loan growth of 14.5% for 2025, indicating healthy operational efficiency and balance sheet expansion.

2. Positive Company Outlook for 2026: Management provided an optimistic outlook for 2026, projecting 8%-12% loan and deposit growth and forecasting net interest income in the range of $800 million to $830 million. This forward-looking guidance suggests a continued positive trajectory for the company's core operations.

Show more

Stock Movement Drivers

Fundamental Drivers

The -6.1% change in CUBI stock from 11/30/2025 to 3/14/2026 was primarily driven by a -21.8% change in the company's P/E Multiple.
(LTM values as of)113020253142026Change
Stock Price ($)68.9064.72-6.1%
Change Contribution By: 
Total Revenues ($ Mil)72080111.3%
Net Income Margin (%)24.5%28.0%14.0%
P/E Multiple12.69.9-21.8%
Shares Outstanding (Mil)3234-5.4%
Cumulative Contribution-6.1%

LTM = Last Twelve Months as of date shown

Market Drivers

11/30/2025 to 3/14/2026
ReturnCorrelation
CUBI-6.1% 
Market (SPY)-3.1%37.2%
Sector (XLF)-8.3%61.1%

Fundamental Drivers

The -9.7% change in CUBI stock from 8/31/2025 to 3/14/2026 was primarily driven by a -35.7% change in the company's P/E Multiple.
(LTM values as of)83120253142026Change
Stock Price ($)71.6964.72-9.7%
Change Contribution By: 
Total Revenues ($ Mil)65580122.3%
Net Income Margin (%)22.5%28.0%24.2%
P/E Multiple15.49.9-35.7%
Shares Outstanding (Mil)3234-7.6%
Cumulative Contribution-9.7%

LTM = Last Twelve Months as of date shown

Market Drivers

8/31/2025 to 3/14/2026
ReturnCorrelation
CUBI-9.7% 
Market (SPY)3.0%38.6%
Sector (XLF)-9.1%60.0%

Fundamental Drivers

The 19.9% change in CUBI stock from 2/28/2025 to 3/14/2026 was primarily driven by a 16.6% change in the company's Total Revenues ($ Mil).
(LTM values as of)22820253142026Change
Stock Price ($)54.0064.7219.9%
Change Contribution By: 
Total Revenues ($ Mil)68780116.6%
Net Income Margin (%)26.4%28.0%5.9%
P/E Multiple9.39.95.9%
Shares Outstanding (Mil)3134-8.3%
Cumulative Contribution19.9%

LTM = Last Twelve Months as of date shown

Market Drivers

2/28/2025 to 3/14/2026
ReturnCorrelation
CUBI19.9% 
Market (SPY)12.4%63.2%
Sector (XLF)-5.3%70.7%

Fundamental Drivers

The 110.1% change in CUBI stock from 2/28/2023 to 3/14/2026 was primarily driven by a 125.6% change in the company's P/E Multiple.
(LTM values as of)22820233142026Change
Stock Price ($)30.8064.72110.1%
Change Contribution By: 
Total Revenues ($ Mil)63380126.5%
Net Income Margin (%)36.0%28.0%-22.3%
P/E Multiple4.49.9125.6%
Shares Outstanding (Mil)3234-5.2%
Cumulative Contribution110.1%

LTM = Last Twelve Months as of date shown

Market Drivers

2/28/2023 to 3/14/2026
ReturnCorrelation
CUBI110.1% 
Market (SPY)73.4%43.7%
Sector (XLF)43.1%58.6%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
CUBI Return260%-57%103%-16%50%-9%267%
Peers Return84%-28%0%24%19%-7%80%
S&P 500 Return27%-19%24%23%16%-1%80%

Monthly Win Rates [3]
CUBI Win Rate92%25%75%33%67%33% 
Peers Win Rate70%42%45%58%60%33% 
S&P 500 Win Rate75%42%67%75%67%33% 

Max Drawdowns [4]
CUBI Max Drawdown-0%-59%-43%-26%-12%-9% 
Peers Max Drawdown-1%-33%-54%-16%-23%-8% 
S&P 500 Max Drawdown-1%-25%-1%-2%-15%-2% 

[1] Cumulative total returns since the beginning of 2021
[2] Peers: WAL, EWBC, ZION, BANC, MCB.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 3/13/2026 (YTD)

How Low Can It Go

Unique KeyEventCUBIS&P 500
2022 Inflation Shock2022 Inflation Shock  
2022 Inflation Shock% Loss% Loss-78.6%-25.4%
2022 Inflation Shock% Gain to Breakeven% Gain to Breakeven366.4%34.1%
2022 Inflation ShockTime to BreakevenTime to Breakeven959 days464 days
2020 Covid Pandemic2020 Covid Pandemic  
2020 Covid Pandemic% Loss% Loss-63.0%-33.9%
2020 Covid Pandemic% Gain to Breakeven% Gain to Breakeven170.0%51.3%
2020 Covid PandemicTime to BreakevenTime to Breakeven238 days148 days
2018 Correction2018 Correction  
2018 Correction% Loss% Loss-52.7%-19.8%
2018 Correction% Gain to Breakeven% Gain to Breakeven111.6%24.7%
2018 CorrectionTime to BreakevenTime to Breakeven819 days120 days

Compare to WAL, EWBC, ZION, BANC, MCB

In The Past

Customers Bancorp's stock fell -78.6% during the 2022 Inflation Shock from a high on 1/7/2022. A -78.6% loss requires a 366.4% gain to breakeven.

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Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About Customers Bancorp (CUBI)

Customers 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.

AI Analysis | Feedback

Here are 1-3 brief analogies for Customers Bancorp (CUBI):

  • A regional bank serving individual consumers and small-to-middle market businesses, similar to a smaller PNC or U.S. Bancorp.
  • Think of them as a business-focused regional bank, akin to a scaled-down M&T Bank or KeyCorp.

AI Analysis | Feedback

  • Deposit Accounts: Offers various checking, savings, and money market deposit accounts for consumers and businesses.
  • Loan Products: Provides a diverse portfolio of loans including commercial, multi-family, real estate, business, equipment, and residential mortgages.
  • Digital Banking Services: Delivers convenient mobile banking, internet banking, and electronic bill payment services.
  • Cash Management & Business Services: Offers a suite of services like remote deposit capture, merchant processing, and comprehensive cash management solutions for businesses.

AI Analysis | Feedback

Customers Bancorp (CUBI) primarily serves a diverse customer base consisting of both individuals and various business segments. It does not list specific public companies as major customers. Instead, its customers fall into the following categories:

  • Individual Consumers: Individuals who utilize a range of personal banking products and services, including checking, savings, MMDA, and other deposit accounts, as well as residential mortgage loans and installment loans. They also access traditional banking activities like mobile and internet banking.
  • Small Businesses: Small enterprises and entrepreneurs that require financial products and services tailored to their operational needs. This includes business banking services, small business loans, equipment financing, and various cash management tools.
  • Middle Market Businesses: Larger private companies and commercial entities that benefit from more extensive financial solutions such as commercial mortgage warehouse loans, multi-family and commercial real estate loans, and advanced cash management services like lock box services, remote deposit capture, and positive pay.

AI Analysis | Feedback

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AI Analysis | Feedback

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AI Analysis | Feedback

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AI Analysis | Feedback

The increasing competition from digital-first financial technology (fintech) companies and neobanks poses a clear emerging threat. These entities often offer more agile, user-friendly, and sometimes lower-cost alternatives for banking services, including deposits, loans, and cash management, directly competing with Customers Bancorp's offerings for individual consumers and small to middle-market businesses.

AI Analysis | Feedback

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AI Analysis | Feedback

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Latest Trefis Analyses

Trade Ideas

Select ideas related to CUBI.

Unique KeyDateTickerCompanyCategoryTrade Strategy6M Fwd Rtn12M Fwd Rtn12M Max DD
NDAQ_2282026_Insider_Buying_45D_2Buy_200K02282026NDAQNasdaqInsiderInsider Buys 45DStrong Insider Buying
Companies with multiple insider buys in the last 45 days		0.0%0.0%0.0%
JEF_2272026_Dip_Buyer_ValueBuy02272026JEFJefferies FinancialDip BuyDB | P/E OPMDip Buy with Low PE and High Margin
Buying dips for companies with tame PE and meaningfully high operating margin		0.0%0.0%0.0%
PAYO_2272026_Dip_Buyer_High_CFO_Margins_ExInd_DE02272026PAYOPayoneer GlobalDip BuyDB | CFO/Rev | Low D/EDip Buy with High Cash Flow Margins
Buying dips for companies with significant cash flows from operations and reasonable debt / market cap		0.0%0.0%0.0%
FOUR_2272026_Dip_Buyer_High_FCF_Yield_ExInd_DE_RevG02272026FOURShift4 PaymentsDip BuyDB | FCF Yield | Low D/EDip Buy with High Free Cash Flow Yield
Buying dips for companies with significant free cash flow yield (FCF / Market Cap) and reasonable debt / market cap		0.0%0.0%0.0%
COIN_2202026_Dip_Buyer_High_CFO_Margins_ExInd_DE02202026COINCoinbase GlobalDip BuyDB | CFO/Rev | Low D/EDip Buy with High Cash Flow Margins
Buying dips for companies with significant cash flows from operations and reasonable debt / market cap		2.6%2.6%-6.5%
CUBI_1312022_Quality_Momentum_RoomToRun_10%01312022CUBICustomers BancorpQualityQ | Momentum | UpsideQuality Stocks with Momentum and Upside
Buying quality stocks with strong momentum but still having room to run		-36.0%-47.9%-54.1%
CUBI_6302021_Quality_Momentum_RoomToRun_10%06302021CUBICustomers BancorpQualityQ | Momentum | UpsideQuality Stocks with Momentum and Upside
Buying quality stocks with strong momentum but still having room to run		68.5%-13.1%-16.2%

Recent Active Movers

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Wealth Management

Peer Comparisons

Peers to compare with:

Financials

CUBIWALEWBCZIONBANCMCBMedian
NameCustomer.Western .East Wes.Zions Ba.Banc of .Metropol. 
Mkt Price64.7267.97104.4953.1016.7878.9166.34
Mkt Cap2.27.414.67.82.60.85.0
Rev LTM8013,4742,8973,3851,0742911,986
Op Inc LTM-------
FCF LTM334-2,7931,50295222682280
FCF 3Y Avg166-2,0211,44692527288219
CFO LTM495-2,6791,5021,07323389364
CFO 3Y Avg255-1,9161,4461,03531993287

Growth & Margins

CUBIWALEWBCZIONBANCMCBMedian
NameCustomer.Western .East Wes.Zions Ba.Banc of .Metropol. 
Rev Chg LTM16.6%12.3%12.9%8.5%127.5%11.9%12.6%
Rev Chg 3Y Avg8.8%12.0%7.8%2.5%148.8%6.1%8.3%
Rev Chg Q53.8%17.4%12.8%8.7%32.9%16.6%17.0%
QoQ Delta Rev Chg LTM11.3%4.3%3.0%2.1%7.0%3.8%4.0%
Op Mgn LTM-------
Op Mgn 3Y Avg-------
QoQ Delta Op Mgn LTM-------
CFO/Rev LTM61.7%-77.1%51.8%31.7%21.7%30.5%31.1%
CFO/Rev 3Y Avg33.2%-59.5%54.2%32.3%26.1%35.1%32.8%
FCF/Rev LTM41.6%-80.4%51.8%28.1%21.1%28.3%28.2%
FCF/Rev 3Y Avg21.5%-63.0%54.2%28.9%22.3%33.3%25.6%

Valuation

CUBIWALEWBCZIONBANCMCBMedian
NameCustomer.Western .East Wes.Zions Ba.Banc of .Metropol. 
Mkt Cap2.27.414.67.82.60.85.0
P/S2.82.15.02.32.52.82.6
P/EBIT-------
P/E9.97.611.08.712.611.310.4
P/CFO4.5-2.89.77.311.39.18.2
Total Yield10.1%13.1%11.4%11.5%10.5%9.0%10.9%
Dividend Yield0.0%0.0%2.3%0.0%2.6%0.2%0.1%
FCF Yield 3Y Avg7.7%-22.7%11.4%12.0%20.1%13.0%11.7%
D/E0.80.90.20.41.10.00.6
Net D/E-2.1-1.0-0.1-1.1-0.7-1.2-1.1

Returns

CUBIWALEWBCZIONBANCMCBMedian
NameCustomer.Western .East Wes.Zions Ba.Banc of .Metropol. 
1M Rtn-9.7%-27.6%-10.9%-11.8%-17.0%-14.8%-13.3%
3M Rtn-11.3%-22.0%-7.4%-9.3%-15.4%-1.1%-10.3%
6M Rtn-4.6%-22.4%-3.2%-7.7%1.9%2.3%-3.9%
12M Rtn27.4%-10.3%21.9%12.8%22.4%45.3%22.2%
3Y Rtn223.0%125.8%100.6%94.5%35.0%102.1%101.3%
1M Excs Rtn-6.4%-25.6%-9.9%-12.6%-15.4%-13.4%-13.0%
3M Excs Rtn-8.1%-19.7%-6.7%-7.5%-14.1%-0.7%-7.8%
6M Excs Rtn-7.9%-26.3%-6.0%-10.3%-1.9%-2.4%-6.9%
12M Excs Rtn8.9%-29.6%4.5%-6.5%4.7%29.6%4.6%
3Y Excs Rtn54.3%-67.6%-13.6%-41.8%-60.9%-24.6%-33.2%

Comparison Analyses

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Financials

Segment Financials

Revenue by Segment
$ Mil20252024202320222021
Single Segment 741633749461
Total 741633749461


Assets by Segment
$ Mil20252024202320222021
Single Segment22,308    
Total22,308    


Price Behavior

Price Behavior
Market Price$64.72 
Market Cap ($ Bil)2.1 
First Trading Date02/21/2012 
Distance from 52W High-20.3% 
   50 Days200 Days
DMA Price$73.97$67.15
DMA Trendupindeterminate
Distance from DMA-12.5%-3.6%
 3M1YR
Volatility38.6%38.7%
Downside Capture159.94128.40
Upside Capture112.56130.98
Correlation (SPY)34.8%62.4%
CUBI Betas & Captures as of 2/28/2026

 1M2M3M6M1Y3Y
Beta1.001.541.401.241.291.56
Up Beta-0.721.921.851.611.181.51
Down Beta-0.111.240.770.851.431.62
Up Capture111%113%153%112%157%455%
Bmk +ve Days9203170142431
Stock +ve Days10213258123370
Down Capture249%191%157%142%116%110%
Bmk -ve Days12213054109320
Stock -ve Days10192865126378

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
Annualized
Return		Annualized
Volatility		Sharpe
Ratio		Correlation
with CUBI
CUBI31.0%38.8%0.78-
Sector ETF (XLF)3.6%19.3%0.0670.3%
Equity (SPY)19.6%18.9%0.8162.5%
Gold (GLD)71.9%26.3%2.05-7.7%
Commodities (DBC)19.3%17.3%0.8917.8%
Real Estate (VNQ)6.2%16.3%0.1943.4%
Bitcoin (BTCUSD)-15.3%44.2%-0.2527.7%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
Annualized
Return		Annualized
Volatility		Sharpe
Ratio		Correlation
with CUBI
CUBI16.8%52.5%0.49-
Sector ETF (XLF)9.3%18.7%0.3863.3%
Equity (SPY)13.1%17.0%0.6150.0%
Gold (GLD)24.1%17.3%1.14-5.3%
Commodities (DBC)11.2%19.0%0.4712.1%
Real Estate (VNQ)4.8%18.8%0.1642.7%
Bitcoin (BTCUSD)6.3%56.7%0.3320.1%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
Annualized
Return		Annualized
Volatility		Sharpe
Ratio		Correlation
with CUBI
CUBI11.6%49.3%0.41-
Sector ETF (XLF)12.5%22.2%0.5265.5%
Equity (SPY)14.5%17.9%0.7051.1%
Gold (GLD)14.4%15.6%0.77-8.8%
Commodities (DBC)8.6%17.6%0.4018.9%
Real Estate (VNQ)5.6%20.7%0.2345.0%
Bitcoin (BTCUSD)67.4%66.8%1.0715.1%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date2272026
Short Interest: Shares Quantity1.8 Mil
Short Interest: % Change Since 21520260.6%
Average Daily Volume0.4 Mil
Days-to-Cover Short Interest4.5 days
Basic Shares Quantity34.2 Mil
Short % of Basic Shares5.2%

Returns Analyses

Earnings Returns History

Expand for More
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
1/22/2026-8.2%-2.8%-14.3%
10/23/20257.0%2.6%0.7%
7/24/20250.4%3.8%11.8%
4/24/2025-2.9%-0.4%0.8%
1/23/202513.9%13.8%5.6%
10/31/2024-1.0%12.2%20.6%
7/25/20244.4%-5.8%-20.4%
4/25/2024-5.5%-4.3%-8.8%
...
SUMMARY STATS   
# Positive141114
# Negative101310
Median Positive6.4%10.9%16.9%
Median Negative-4.1%-3.7%-6.2%
Max Positive17.8%27.2%40.0%
Max Negative-16.0%-14.1%-20.4%

SEC Filings

Expand for More
Report DateFiling DateFiling
12/31/202502/27/202610-K
09/30/202511/07/202510-Q
06/30/202508/07/202510-Q
03/31/202505/09/202510-Q
12/31/202402/28/202510-K
09/30/202411/12/202410-Q
06/30/202408/08/202410-Q
03/31/202405/09/202410-Q
12/31/202302/29/202410-K
09/30/202311/09/202310-Q
06/30/202308/09/202310-Q
03/31/202305/09/202310-Q
12/31/202202/28/202310-K
09/30/202211/08/202210-Q
06/30/202208/08/202210-Q
03/31/202205/09/202210-Q

Insider Activity

Expand for More
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value		Value of
Held Shares		Form
1Velasquez, Jessie John DeanoChief Accounting OfficerDirectSell1210202571.052,242159,285259,602Form
2Sidhu, Jay SChairman & CEODirectSell1203202569.43128,1858,900,09054,853,116Form
3Sidhu, Jay SChairman & CEODirectSell1128202570.067,479523,94764,326,356Form
4Watkins, PhilipEVP, Head of Corp DevelopmentDirectSell1125202565.042,900188,6233,307,346Form
5Sidhu, Jay SChairman & CEODirectSell1112202568.6913,595933,87365,463,926Form

Industry Resources

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