Customers Bancorp, Inc. CUBI R2K

Financial Services · Banks - Regional · United States

https://www.customersbank.com

Customers Bancorp, Inc. operates as the bank holding company for Customers Bank that provides banking products and services. It provides deposit banking products, which includes commercial and consumer checking, non-interest-bearing and interest-bearing demand, MMDA, savings, and time deposit accounts, as well as individual retirement accounts and non-retail time deposits consisting of jumbo certificates. The company's lending business offers commercial and industrial, commercial real estate, and multifamily and residential mortgage loans; SBA lending; mortgage finance; specialty lending includes fund finance, real estate specialty finance, technology and venture, and healthcare and financial institutions group; commercial loans to mortgage companies, and commercial equipment financing; fund finance, such as variable rate loans secured by collateral pools to private debt funds; and cash management services. In addition, it provides digital banking, such as Banking-as-a-Service to fintech companies; payments and treasury services to businesses; consumer loans through fintech companies; and the TassatPay, an instant blockchain-based digital payments platform which offers instant payments, including over-the-counter desks, exchanges, liquidity providers, market makers, funds, title companies, and other B2B verticals. Further, the company offers mobile phone and internet banking, wire transfers, electronic bill payment, lock box, remote deposit capture, courier, merchant processing, cash vault, controlled disbursements, positive pay, and cash management services comprising account reconciliation, collections, and sweep accounts. The company was founded in 1997 and is headquartered in West Reading, Pennsylvania.

Market & Price

Market Cap

$2.54B

Current Price

$75.14

High / Low (52W)

$81.21 / $50.35

Beta

1.52

Valuation

Stock P/E

9.46

Industry PE

12.01

Forward P/E

7.84

PEG Ratio

1.18

Book Value

$63.64

Price to Book

1.18

P/S

3.15

EV/EBITDA

Dividend Yield

Profitability & Returns

ROCE

ROE

14.01%

ROA

1.16%

Profit Margin

34.76%

Op Margin

48.70%

EPS (Latest Qtr)

$1.97

EPS (TTM)

$7.94

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$1.96B

Total Assets

$24.90B

Current Assets

Working Capital

Ownership

Promoter Holding

9.56%

Chg in Prom Hold

-0.16%

FII / Inst Holding

102.09%

Chg in FII Hold

0.10%

Financial Snapshot

Enterprise Value

$-309.24M

Total Revenue (TTM)

$807.99M

EBITDA

Free Cash Flow

Operating Cash Flow

$435.71M

Shares Outstanding

33.83M

Gross Margin

0.00%

Payout Ratio

0.00%

Growth (CAGR)

Revenue 5Y

8.16%

Profit 5Y

-0.58%

Revenue (YoY)

76.40%

Earnings (YoY)

579.30%

PROS

Excellent profit margin of 34.8%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

Earnings shrank at -0.6% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	CUBI Customers Bancorp, Inc. R2K	75.14	9.46	$2.54B	-	-	14.01%	8.16%	-0.58%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	12.95M	-	-	-	12.35M	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	138.33M	202.26M	227.94M	232.89M	221.81M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	147.46M	151.30M	159.57M	150.77M	144.96M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	11.89M	78.90M	100.34M	97.30M	90.31M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-1.02M	17.96M	24.60M	22.81M	20.65M
Net Income	18.18M	19.48M	21.21M	19.83M	25.75M	23.72M	7.75M	21.61M	24.14M	23.66M	6.03M	17.86M	15.44M	9.30M	27.07M	27.53M	3.10M	22.72M	50.52M	56.24M	36.59M	61.34M	116.04M	100.67M	76.76M	58.65M	63.91M	28.71M	53.72M	47.57M	86.76M	49.73M	58.09M	-	-	12.91M	60.94M	75.75M	74.49M	69.65M
Diluted EPS	0.58	0.59	0.63	0.51	0.67	0.62	0.13	0.55	0.64	0.62	0.07	0.44	0.38	0.18	0.74	0.75	-0.02	0.61	1.48	1.65	1.01	1.72	3.25	2.87	2.18	1.68	1.85	0.77	1.55	1.39	2.58	1.40	1.66	-	-	0.29	1.73	2.20	1.98	1.97

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	55.96M	43.24M	46.72M	40.19M	-	633.45M	740.94M	687.50M	801.41M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	261.65M	679.91M	673.43M	609.10M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	291.30M	330.74M	224.37M	288.43M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	63.26M	80.60M	42.90M	64.34M
Net Income	-13.23M	23.73M	4.03M	23.82M	32.69M	43.21M	58.58M	78.70M	78.84M	71.69M	79.33M	132.58M	-	228.03M	250.14M	181.47M	224.09M
Diluted EPS	-10.98	3.69	0.39	1.57	1.30	1.55	1.96	2.31	1.97	1.78	2.05	3.74	-	6.51	7.32	5.09	6.26

Compounded Sales Growth

5 Years:	8.16%
1 Year:	76.40%

Compounded Profit Growth

5 Years:	-0.58%
1 Year:	579.30%

Stock Price Performance

1 Year:	+47.45%
6 Months:	+8.38%
3 Months:	+11.42%
1 Month:	-0.90%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	1.37B	2.08B	3.20B	4.15B	6.83B	8.40B	9.38B	9.84B	9.83B	11.52B	18.44B	-	20.90B	21.32B	22.31B	24.90B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	6.29M	68.81M	238.72M	73.57M	186.02M	233.07M	371.02M	264.59M	264.71M	146.32M	62.13M	212.50M	693.35M	-	455.81M	3.85B	3.79B	4.41B
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	123.37M	114.77M	108.35M	103.63M
Total Liabilities	-	-	1.27B	1.93B	2.93B	3.77B	6.38B	7.84B	8.53B	8.92B	8.88B	10.47B	17.32B	-	19.49B	19.68B	20.47B	22.78B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	11.00M	60.00M	95.00M	320.00M	260.00M	180.00M	-	0	350.00M	4.42B	-	805.53M	1.51B	1.31B	1.71B
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.11B	1.51B	1.41B	1.71B
Total Equity	16.85M	21.50M	105.14M	147.75M	269.48M	386.62M	443.14M	553.90M	855.87M	920.96M	956.82M	1.05B	1.12B	-	1.40B	1.64B	1.84B	2.12B
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	35.01M	35.46M	35.76M	36.19M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	-2.43M	-221.55M	29.90M	-1.24B	722.03M	-542.50M	-356.65M	91.40M	62.19M	97.47M	78.28M	133.03M	-	-20.82M	124.73M	145.06M	494.76M
Investing Cash Flow	-23.81M	-348.79M	-760.48M	262.13M	-1.59B	-1.92B	-1.26B	-961.53M	-565.12M	-104.10M	-1.44B	-6.42B	-	-1.30B	3.16B	-1.01B	-2.06B
Financing Cash Flow	88.75M	740.25M	565.42M	1.09B	913.03M	2.60B	1.51B	870.25M	384.55M	-77.56M	1.52B	6.77B	-	1.26B	108.09M	800.62M	2.19B
Capital Expenditure	-430.00K	-3.29M	-2.72M	-2.71M	-3.89M	-1.27M	-2.94M	-5.43M	-2.13M	-1.78M	-1.52M	-4.67M	-	-113.35M	-41.34M	-65.19M	-161.06M
Free Cash Flow	-2.86M	-224.83M	27.18M	-1.24B	718.14M	-543.77M	-359.59M	85.98M	60.06M	95.70M	76.76M	128.36M	-	-134.17M	83.39M	79.87M	333.70M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-62.23M	3.39B	-60.41M	625.53M
Share Buybacks	0	0	500.00K	0	7.75M	0	0	0	0	12.98M	571.00K	0	27.66M	33.16M	39.81M	19.24M	5.64M

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	140.9%	165.8%	169.8%	329.8%	-	36.0%	33.8%	26.4%	28.0%
ROE %	-61.5%	22.6%	2.7%	8.8%	8.5%	9.8%	10.6%	9.2%	8.6%	7.5%	7.5%	11.9%	-	16.3%	15.3%	9.9%	10.6%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

9.56%

Institutions

102.09%

Public Float

112.88%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	14.76%	4.99M	$375.09M
2	Wellington Management Group, LLP	11.50%	3.89M	$292.26M
3	State Street Corporation	5.88%	1.99M	$149.57M
4	Dimensional Fund Advisors LP	5.74%	1.94M	$146.00M
5	Hood River Capital Management LLC	5.12%	1.73M	$130.09M
6	Vanguard Capital Management LLC	4.03%	1.36M	$102.46M
7	American Century Companies Inc	3.27%	1.11M	$83.07M
8	UBS Group AG	3.04%	1.03M	$77.31M
9	Geode Capital Management, LLC	2.61%	882.32K	$66.30M
10	Assenagon Asset Management S.A.	2.30%	778.79K	$58.52M

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