CUBI Financial Services

Customers Bancorp, Inc.

$85.47-0.92%

Price as of close on Nov 3, 2026 · Financials updated Nov 3, 2026

Basics

Sector: Financial Services
Industry: Banks - Regional
Country: United States
Market cap: 2.9B USD
Full-time employees: 860

Overall health

Strength: growing faster than most peersgrowing faster than peers
Strength: its shares are priced lower than most peers relative to what it earnspriced lower than peers for its earnings
About average: profitability

Ranks #78 of 791 banks & insurance companies (top 10%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Stock pay is large next to buybacks. Stock-based pay expense $45M vs $65M spent repurchasing shares over the 3 fiscal years to 2025.
Over three fiscal years Customers Bancorp recorded $45M of stock-based pay expense and spent $65M repurchasing shares (repurchases can include shares withheld to cover employees' taxes).Over three fiscal years Customers Bancorp recorded $45M of stock-based pay expense and spent $65M repurchasing shares.
More volatile share price. Beta 1.46: tends to move more than the market.
Customers Bancorp's shares have swung more with the market than most peers' (beta 1.46, above the market's 1.0).

StockQuotient Score

72/ 100▲ 1 since Oct 27 close

Oct 5 75 → Nov 4 72 (-3)

Valuation

Is the price right?

68/100

Moderate▲ 3 since Oct 27 close

2/2 inputs reported · High confidence

Since last quarter: ▼ Weaker

Share count up 6.9% (existing holders diluted)

Valuation also moves with the share price every day.

Why it changed since the Oct 27, 2026 close: Score 65 → 68

Share price -1.2%+2
Company's reported figures updated+2
Peer companies moved-1

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Stronger than most peers on:

▲ Earnings yield

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield78.3%

SEC filings · latest balance sheetReported value40% base weight · Z-score -0.04Sector median: 0.7950 · MAD: 0.2843

Earnings yield10.3%

SEC filings · 12 months to Jun 2026Reported value60% base weight · Z-score 0.97Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yieldUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yield13.0%

SEC filings · 12 months to Jun 2026 · operating cash flow − capital spendingReported valueInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

91/100

Strong

1/1 inputs reported · High confidence

Since last quarter: ▼ Weaker

12-month revenue fell 6.5%

Why

Stronger than most peers on:

▲ EPS growth

Compare with peers

Behind the score

Earnings-per-share growth versus other banks and insurers.

Earnings per share growth84.9%

SEC filings · 12 months to Jun 2026Reported value100% base weight · Z-score 3.88Sector median: 0.1599 · MAD: 0.1775

Other data (not scored)

3-year revenue growth8.2%

Yahoo Finance fallback · SEC figure unavailable or out of date · 3 fiscal years to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558

Revenue growth16.6%

Yahoo Finance fallback · SEC figure unavailable or out of date · fiscal year to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782

Profitability

Does it earn well?

56/100

Moderate▼ 1 since Oct 27 close

2/2 inputs reported · High confidence

Since last quarter: No major change

Why it changed since the Oct 27, 2026 close: Score 57 → 56

Peer companies moved-1

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Helped by:

▲ ROE

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets1.1%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score -0.12Sector median: 0.0117 · MAD: 0.0062

Return on equity13.2%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score 0.64Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about Customers Bancorp

Is Customers Bancorp getting weaker?: Its latest SEC filing (Aug 7, 2026) was mixed: some things better, some worse: 12-month revenue fell 6.5%; share count up 6.9%. Its overall score is 72/100, up 1 since Oct 28, 2026.
How is Customers Bancorp valued vs its peers?: Priced lower than most peers relative to what it earns. Valuation scores 68/100 against 950 banks & insurance peers. Earnings yield 10.3% vs a peer median of 7.9% (stronger than 73% of peers).Earnings yield 10.3% vs peers 7.9% (stronger than 73% of peers).
Is Customers Bancorp growing?: Yes, faster than most of its peers. Growth scores 91/100 against 950 banks & insurance peers. Earnings per share growth 84.9% vs a peer median of 16.0% (stronger than 91% of peers).Earnings per share growth 84.9% vs peers 16.0% (stronger than 91% of peers).
How profitable is Customers Bancorp?: About as profitable as its peers. Profitability scores 56/100 against 950 banks & insurance peers. Return on equity 13.2% vs a peer median of 10.7% (stronger than 66% of peers).Return on equity 13.2% vs peers 10.7% (stronger than 66% of peers).
How risky is Customers Bancorp?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Latest filing: what changed

Quarter ended Dec 31, 2020 · filed Aug 7, 2026 · compared with the quarter ended Sep 30, 2020

Mixed: some things better, some worse

12-month revenue fell 6.5%
Share count up 6.9% (existing holders diluted)
Debt down 88%

	Previous quarter	Latest quarter	Change
Revenue (12 months)	43.0M USD	40.2M USD	−6.5%
Net income (12 months)	103.9M USD	291.4M USD	+180.6%
Free cash flow (12 months)	116.5M USD	366.6M USD	+214.6%
Debt	6.3B USD	775.0M USD	−87.8%
Cash	331.4M USD	4.2B USD	+1160.9%
Shares outstanding	31.6M	33.8M	+6.9%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.

Industry valuation context

Industry: Banks - Regional · 119 companies

Valuations in Banks - Regional are within their usual range since 2016.

45% of months since 2016 were valued lower than now.
14% of companies are in the most expensive fifth of their own price-to-book history.
Over 24 months, company values +29% and earnings +32% (medians): prices and earnings moved broadly together.
Median price-to-book is −61% vs the whole market, against a usual −59%.

2016Shaded: most expensive fifth of its range2026

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	Change
Net margin	—	—	—	—	—	—
Return on assets (ROA)	1.6%	1.1%	1.2%	0.8%	0.9%	▲ 0.1 pts
Return on equity (ROE)	23.0%	16.3%	15.3%	9.9%	10.6%	▲ 0.7 pts
Debt to equity	0.57×	0.21×	0.00×	0.05×	0.00×	▼ 100%

CUBI price history

Price history is added with the daily price update and will appear after the next one.

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Sector leaderboards

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Bringing the fundamentals into focus…

Overall health

Strength: growing faster than most peersgrowing faster than peers

Strength: its shares are priced lower than most peers relative to what it earnspriced lower than peers for its earnings

About average: profitability

Ranks #78 of 791 banks & insurance companies (top 10%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Stock pay is large next to buybacks. Stock-based pay expense $45M vs $65M spent repurchasing shares over the 3 fiscal years to 2025.

Over three fiscal years Customers Bancorp recorded $45M of stock-based pay expense and spent $65M repurchasing shares (repurchases can include shares withheld to cover employees' taxes).Over three fiscal years Customers Bancorp recorded $45M of stock-based pay expense and spent $65M repurchasing shares.

More volatile share price. Beta 1.46: tends to move more than the market.

Customers Bancorp's shares have swung more with the market than most peers' (beta 1.46, above the market's 1.0).

Questions investors ask about Customers Bancorp

Is Customers Bancorp getting weaker?

Its latest SEC filing (Aug 7, 2026) was mixed: some things better, some worse: 12-month revenue fell 6.5%; share count up 6.9%. Its overall score is 72/100, up 1 since Oct 28, 2026.

How is Customers Bancorp valued vs its peers?

Priced lower than most peers relative to what it earns. Valuation scores 68/100 against 950 banks & insurance peers. Earnings yield 10.3% vs a peer median of 7.9% (stronger than 73% of peers).Earnings yield 10.3% vs peers 7.9% (stronger than 73% of peers).

Is Customers Bancorp growing?

Yes, faster than most of its peers. Growth scores 91/100 against 950 banks & insurance peers. Earnings per share growth 84.9% vs a peer median of 16.0% (stronger than 91% of peers).Earnings per share growth 84.9% vs peers 16.0% (stronger than 91% of peers).

How profitable is Customers Bancorp?

About as profitable as its peers. Profitability scores 56/100 against 950 banks & insurance peers. Return on equity 13.2% vs a peer median of 10.7% (stronger than 66% of peers).Return on equity 13.2% vs peers 10.7% (stronger than 66% of peers).

How risky is Customers Bancorp?

Not rated for banks and insurers: debt and share-price swings say little about their risk.

Previous quarter

Latest quarter

Change

Revenue (12 months)

43.0M USD

40.2M USD

−6.5%

Net income (12 months)

103.9M USD

291.4M USD

+180.6%

Free cash flow (12 months)

116.5M USD

366.6M USD

+214.6%

Debt

6.3B USD

775.0M USD

−87.8%

Cash

331.4M USD

4.2B USD

+1160.9%

Shares outstanding

31.6M

33.8M

+6.9%

Key ratios

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Change

Net margin

—

Return on assets (ROA)

1.6%

1.1%

1.2%

0.8%

0.9%

▲ 0.1 pts

Return on equity (ROE)

23.0%

16.3%

15.3%

9.9%

10.6%

▲ 0.7 pts

Debt to equity

0.57×

0.21×

0.00×

0.05×

0.00×

▼ 100%