CUBI Stock Analysis: Customers Bancorp | NYSE
Banks - Regional | NYSE, USA | Market Cap: 2.629m USD | 12M Return: 19.6% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 24.6M
EPS Trend: -3.8%
Qual. Beats: 0
Rev. Trend: 37.4%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Customers Bancorp, Inc. (NYSE: CUBI) is the bank holding company for Customers Bank, a U.S. regional bank headquartered in West Reading, Pennsylvania, founded in 1997 and publicly listed since 2012. The company operates within the Financials sector, specifically classified as a Regional Bank under GICS, with a mid-cap market capitalization.
The bank offers a broad range of deposit products, including commercial and consumer checking accounts, interest-bearing and non-interest-bearing demand deposits, money market deposit accounts (MMDAs), savings accounts, time deposits, individual retirement accounts (IRAs), and jumbo certificates of deposit. On the lending side, Customers Bank provides commercial and industrial loans, commercial real estate loans, multifamily and residential mortgages, SBA lending, mortgage finance, and specialty lending segments covering fund finance, technology and venture, healthcare, and financial institutions. It also extends commercial loans to mortgage companies and offers commercial equipment financing.
Customers Bank has built a notable presence in digital and fintech-focused banking, including Banking-as-a-Service (BaaS) offerings that allow fintech companies to leverage its banking infrastructure. It operates TassatPay, an instant blockchain-based digital payments platform serving over-the-counter desks, exchanges, liquidity providers, market makers, funds, title companies, and other B2B verticals. The company also provides cash management services, wire transfers, electronic bill payment, mobile and internet banking, remote deposit capture, merchant processing, and treasury and payments solutions to businesses.
- BaaS and fintech digital banking revenue accelerates deposit growth
- Net interest margin compresses as Fed cuts rates
- Commercial real estate loan portfolio poses credit risk
| Net Income: 280.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.34 > 1.0 |
| NWC/Revenue: -1.04k% < 20% (prev -1.14k%; Δ 98.30% < -1%) |
| CFO/TA 0.02 > 3% & CFO 435.7m > Net Income 280.8m |
| Net Debt (1.81b) to EBITDA (428.6m): 4.23 < 3 |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (35.3m) vs 12m ago 8.69% < -2% |
| Gross Margin: 54.83% > 18% (prev 43.43%; Δ 11.40% > 0.5%) |
| Asset Turnover: 6.21% > 50% (prev 5.79%; Δ 0.42% > 0%) |
| Interest Coverage Ratio: 0.64 > 6 (EBIT TTM 389.2m / Interest Expense TTM 606.6m) |
| A: -0.60 (Total Current Assets 194.2m - Total Current Liabilities 15.8b) / Total Assets 25.9b |
| B: 0.06 (Retained Earnings 1.60b / Total Assets 25.9b) |
| C: 0.02 (EBIT TTM 389.2m / Avg Total Assets 24.2b) |
| D: 0.09 (Book Value of Equity 2.14b / Total Liabilities 23.7b) |
| Altman-Z'' = -3.54 = D |
| DSRI: 0.86 (Receivables 105.0m/105.8m, Revenue 1.50b/1.30b) |
| GMI: 0.79 (GM 43.43% / 54.83%) |
| AQI: 1.23 (AQ_t 0.99 / AQ_t-1 0.81) |
| SGI: 1.16 (Revenue 1.50b / 1.30b) |
| TATA: -0.01 (NI 280.8m - CFO 435.7m) / TA 25.9b) |
| Beneish M = -3.09 (Cap -4..+1) = AA |
As of July 08, 2026, the stock is trading at USD 76.66 with a total of 346,908 shares traded. Over the past week, the price has changed by -3.11%, over one month by +3.34%, over three months by +6.89% and over the past year by +19.59%.
Current recommended Stop Loss: 74.10 (which is 3.3% or 1.2 ATR below the current price).
Customers Bancorp has received a consensus analysts rating of 3.88. Therefore, it is recommended to buy CUBI.
- StrongBuy: 3
- Buy: 1
- Hold: 4
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 92.4 | 20.5% |
P/E Trailing = 9.7872
P/E Forward = 10.4384
P/S = 3.2532
P/B = 1.2258
P/EG = 1.1828
Revenue TTM = 1.50b USD
EBIT TTM = 389.2m USD
EBITDA TTM = 428.6m USD
Long Term Debt = 1.83b USD (from longTermDebt, last quarter)
Short Term Debt = 70.0m USD (from shortTermDebt, last quarter)
Debt = 1.90b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.81b USD (calculated: Debt 1.90b - CCE 89.2m)
Enterprise Value = 4.44b USD (2.63b + Debt 1.90b - CCE 89.2m)
Interest Coverage Ratio = 0.64 (Ebit TTM 389.2m / Interest Expense TTM 606.6m)
EV/FCF = 15.05x (Enterprise Value 4.44b / FCF TTM 295.1m)
FCF Yield = 6.64% (FCF TTM 295.1m / Enterprise Value 4.44b)
FCF Margin = 19.68% (FCF TTM 295.1m / Revenue TTM 1.50b)
Net Margin = 18.73% (Net Income TTM 280.8m / Revenue TTM 1.50b)
Gross Margin = 54.83% ((Revenue TTM 1.50b - Cost of Revenue TTM 677.3m) / Revenue TTM)
Gross Margin QoQ = 54.58% (prev 61.11%)
Tobins Q-Ratio = 0.17 (Enterprise Value 4.44b / Total Assets 25.9b)
Interest Expense / Debt = 31.88% (Interest Expense 606.6m / Debt 1.90b)
Taxrate = 23.45% (86.0m / 366.9m)
NOPAT = 297.9m (EBIT 389.2m * (1 - 23.45%))
Current Ratio = 0.01 (Total Current Assets 194.2m / Total Current Liabilities 15.8b)
Debt / Equity = 0.89 (Debt 1.90b / totalStockholderEquity, last quarter 2.14b)
Debt / EBITDA = 4.23 (Net Debt 1.81b / EBITDA 428.6m)
Debt / FCF = 6.15 (Net Debt 1.81b / FCF TTM 295.1m)
Total Stockholder Equity = 2.06b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.16% (Net Income 280.8m / Total Assets 25.9b)
RoE = 13.62% (Net Income TTM 280.8m / Total Stockholder Equity 2.06b)
RoCE = 9.99% (EBIT 389.2m / Capital Employed (Equity 2.06b + L.T.Debt 1.83b))
RoIC = 1.15% (NOPAT 297.9m / Invested Capital 25.8b)
WACC = 15.61% (E(2.63b)/V(4.53b) * Re(9.24%) + D(1.90b)/V(4.53b) * Rd(31.88%) * (1-Tc(0.23)))
Discount Rate = 9.24% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 24.44 | Cagr: 3.73%
[DCF] Terminal Value 58.07% ; FCFF base≈249.1m ; Y1≈285.6m ; Y5≈420.3m
[DCF] Fair Price = 27.41 (EV 2.74b - Net Debt 1.81b = Equity 927.0m / Shares 33.8m; r=15.61% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -3.82 | EPS CAGR: -0.52% | SUE: 0.45 | # QB: 0
Revenue Correlation: 37.36 | Revenue CAGR: 2.96% | SUE: 0.74 | # QB: 0
EPS current Quarter (2026-06-30): EPS=2.01 | Chg30d=-1.44% | Revisions=+25% | Analysts=10
EPS next Quarter (2026-09-30): EPS=2.16 | Chg30d=-1.29% | Revisions=-25% | Analysts=10
EPS current Year (2026-12-31): EPS=8.41 | Chg30d=-0.83% | Revisions=+77% | GrowthEPS=+10.6% | GrowthRev=+7.2%
EPS next Year (2027-12-31): EPS=9.50 | Chg30d=-0.82% | Revisions=+58% | GrowthEPS=+13.0% | GrowthRev=+9.9%
[Analyst] Revisions Ratio: +59% (up=24, down=5)