(CUBI) Customers Bancorp - Overview
Stock: Deposits, Loans, Digital Banking, Payments, Treasury
EPS (Earnings per Share)
Revenue
| Risk 5d forecast | |
|---|---|
| Volatility | 44.4% |
| Relative Tail Risk | -14.9% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.81 |
| Alpha | 10.60 |
| Character TTM | |
|---|---|
| Beta | 1.285 |
| Beta Downside | 1.508 |
| Drawdowns 3y | |
|---|---|
| Max DD | 50.84% |
| CAGR/Max DD | 0.65 |
Description: CUBI Customers Bancorp January 14, 2026
Customers Bancorp, Inc. (NYSE:CUBI) is a regional bank holding company headquartered in West Reading, Pennsylvania. It offers a full suite of deposit products-including commercial and consumer checking, interest-bearing and non-interest-bearing demand accounts, MMDA, savings, time deposits, and IRAs-as well as a diversified lending platform covering commercial & industrial loans, CRE, multifamily and residential mortgages, SBA financing, specialty fund finance, technology-venture, and healthcare lending. The firm also provides digital-banking services such as Banking-as-a-Service to fintechs, payments and treasury solutions, and the blockchain-based TassatPay platform for instant B2B payments.
As of the most recent quarter (Q4 2023), CUBI reported a net interest margin (NIM) of 3.45%, an efficiency ratio of 58.2%, and a loan-to-deposit ratio of 78%, indicating solid asset quality and cost control relative to peers. The bank’s total assets grew 6% year-over-year to $38 billion, driven largely by a 9% increase in commercial loan balances and a 12% rise in fintech-originated consumer loans, reflecting its strategic emphasis on digital partnerships.
Key economic drivers for CUBI include the prevailing interest-rate environment-higher rates generally boost NIM but can pressure loan demand-and regional economic health in the Mid-Atlantic, where commercial real-estate activity and small-business lending remain robust. The bank’s ongoing fintech collaborations position it to capture fee income from emerging digital-payment ecosystems, a sector that analysts expect to expand at a CAGR of ~15% through 2028. For a deeper quantitative view, consider reviewing CUBI’s valuation metrics and scenario analyses on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 2.0
| Net Income: 222.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 2.22 > 1.0 |
| NWC/Revenue: 208.7% < 20% (prev -941.8%; Δ 1151 % < -1%) |
| CFO/TA 0.02 > 3% & CFO 506.6m > Net Income 222.8m |
| Net Debt (1.64b) to EBITDA (380.7m): 4.32 < 3 |
| Current Ratio: 1.19 > 1.5 & < 3 |
| Outstanding Shares: last quarter (35.4m) vs 12m ago 8.73% < -2% |
| Gross Margin: 54.10% > 18% (prev 0.45%; Δ 5365 % > 0.5%) |
| Asset Turnover: 5.99% > 50% (prev 6.10%; Δ -0.11% > 0%) |
| Interest Coverage Ratio: 0.55 > 6 (EBITDA TTM 380.7m / Interest Expense TTM 600.3m) |
Altman Z'' 1.14
| A: 0.12 (Total Current Assets 18.70b - Total Current Liabilities 15.75b) / Total Assets 24.90b |
| B: 0.06 (Retained Earnings 1.54b / Total Assets 24.90b) |
| C: 0.01 (EBIT TTM 330.1m / Avg Total Assets 23.60b) |
| D: 0.07 (Book Value of Equity 1.52b / Total Liabilities 22.78b) |
| Altman-Z'' Score: 1.14 = BB |
Beneish M 1.00
| DSRI: 49.71 (Receivables 16.70b/323.3m, Revenue 1.41b/1.36b) |
| GMI: 0.83 (GM 54.10% / 45.12%) |
| AQI: 0.34 (AQ_t 0.25 / AQ_t-1 0.72) |
| SGI: 1.04 (Revenue 1.41b / 1.36b) |
| TATA: -0.01 (NI 222.8m - CFO 506.6m) / TA 24.90b) |
| Beneish M-Score: 36.54 (Cap -4..+1) = D |
What is the price of CUBI shares?
Over the past week, the price has changed by -5.16%, over one month by -3.69%, over three months by +10.26% and over the past year by +32.61%.
Is CUBI a buy, sell or hold?
- StrongBuy: 3
- Buy: 1
- Hold: 4
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the CUBI price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 91.4 | 21.2% |
| Analysts Target Price | 91.4 | 21.2% |
| ValueRay Target Price | 90.9 | 20.5% |
CUBI Fundamental Data Overview February 09, 2026
P/E Forward = 8.2645
P/S = 3.6206
P/B = 1.2328
Revenue TTM = 1.41b USD
EBIT TTM = 330.1m USD
EBITDA TTM = 380.7m USD
Long Term Debt = 1.43b USD (from longTermDebt, two quarters ago)
Short Term Debt = 50.0m USD (from shortTermDebt, two quarters ago)
Debt = 1.71b USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = 1.64b USD (from netDebt column, last fiscal year)
Enterprise Value = 2.31b USD (2.61b + Debt 1.71b - CCE 2.00b)
Interest Coverage Ratio = 0.55 (Ebit TTM 330.1m / Interest Expense TTM 600.3m)
EV/FCF = 6.19x (Enterprise Value 2.31b / FCF TTM 373.6m)
FCF Yield = 16.15% (FCF TTM 373.6m / Enterprise Value 2.31b)
FCF Margin = 26.41% (FCF TTM 373.6m / Revenue TTM 1.41b)
Net Margin = 15.75% (Net Income TTM 222.8m / Revenue TTM 1.41b)
Gross Margin = 54.10% ((Revenue TTM 1.41b - Cost of Revenue TTM 649.4m) / Revenue TTM)
Gross Margin QoQ = 61.11% (prev 61.11%)
Tobins Q-Ratio = 0.09 (Enterprise Value 2.31b / Total Assets 24.90b)
Interest Expense / Debt = 8.84% (Interest Expense 150.8m / Debt 1.71b)
Taxrate = 23.44% (22.8m / 97.3m)
NOPAT = 252.7m (EBIT 330.1m * (1 - 23.44%))
Current Ratio = 1.19 (Total Current Assets 18.70b / Total Current Liabilities 15.75b)
Debt / Equity = 0.81 (Debt 1.71b / totalStockholderEquity, last fiscal year 2.12b)
Debt / EBITDA = 4.32 (Net Debt 1.64b / EBITDA 380.7m)
Debt / FCF = 4.40 (Net Debt 1.64b / FCF TTM 373.6m)
Total Stockholder Equity = 1.92b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.94% (Net Income 222.8m / Total Assets 24.90b)
RoE = 11.61% (Net Income TTM 222.8m / Total Stockholder Equity 1.92b)
RoCE = 9.86% (EBIT 330.1m / Capital Employed (Equity 1.92b + L.T.Debt 1.43b))
RoIC = 7.64% (NOPAT 252.7m / Invested Capital 3.31b)
WACC = 9.12% (E(2.61b)/V(4.31b) * Re(10.65%) + D(1.71b)/V(4.31b) * Rd(8.84%) * (1-Tc(0.23)))
Discount Rate = 10.65% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 4.33%
[DCF Debug] Terminal Value 65.33% ; FCFF base≈373.6m ; Y1≈245.3m ; Y5≈111.9m
Fair Price DCF = 5.56 (EV 1.83b - Net Debt 1.64b = Equity 190.0m / Shares 34.2m; r=9.12% [WACC]; 5y FCF grow -40.0% → 2.90% )
EPS Correlation: 14.03 | EPS CAGR: -1.50% | SUE: 0.21 | # QB: 0
Revenue Correlation: 72.89 | Revenue CAGR: 18.94% | SUE: 2.78 | # QB: 2
EPS next Quarter (2026-03-31): EPS=1.90 | Chg30d=+0.002 | Revisions Net=-2 | Analysts=8
EPS current Year (2026-12-31): EPS=8.25 | Chg30d=+0.174 | Revisions Net=+7 | Growth EPS=+8.4% | Growth Revenue=+8.6%
EPS next Year (2027-12-31): EPS=9.22 | Chg30d=+0.267 | Revisions Net=+4 | Growth EPS=+11.8% | Growth Revenue=+8.7%