(CUBI) Customers Bancorp - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US23204G1004

Deposits, Loans, Digital Banking, Payments, Treasury

Stock: Regional Banks
Age 13.9y

MCap 2,576m
Avg Vol 260K (19.4M USD)

Beta 1.263
Volatility 51.90%

EPS (Earnings per Share)

EPS CAGR: -51.52%
EPS Trend: -32.7%

Last SUE: -4.00
Qual. Beats: 0

Revenue

Rev. CAGR: 0.94%
Rev. Trend: 53.4%

Last SUE: 0.18
Qual. Beats: 0

Dividends

Currently no dividends paid

Risk via 5d forecast
Volatility	51.9%
Value at Risk 5%th	73.7%
Relative Tail Risk	-13.70%

Reward TTM
Sharpe Ratio	1.25
Alpha	41.21
CAGR/Max DD	0.72

Character TTM
Hurst Exponent	0.458
Beta	1.263
Beta Downside	1.526

Drawdowns 3y
Max DD	50.86%
Mean DD	16.51%
Median DD	15.91%

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) 4.0

Net Income (191.3m TTM) > 0 and > 6% of Revenue (6% = 72.9m TTM)

FCFTA 0.02 (>2.0%) and ΔFCFTA 2.28pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -1055 % (prev -884.3%; Δ -170.8pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.02 (>3.0%) and CFO 506.6m > Net Income 191.3m (YES >=105%, WARN >=100%)

Net Debt (-2.38b) to EBITDA (174.7m) ratio: -13.60 <= 3.0 (WARN <= 3.5)

Current Ratio 0.32 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (34.2m) change vs 12m ago 4.27% (target <= -2.0% for YES)

Gross Margin 55.12% (prev 46.70%; Δ 8.42pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 5.31% (prev 6.56%; Δ -1.25pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.24 (EBITDA TTM 174.7m / Interest Expense TTM 628.7m) >= 6 (WARN >= 3)

Altman Z'' -3.16

(A) -0.53 = (Total Current Assets 6.13b - Total Current Liabilities 18.95b) / Total Assets 24.26b

(B) 0.06 = Retained Earnings (Balance) 1.47b / Total Assets 24.26b

(D) 0.07 = Book Value of Equity 1.47b / Total Liabilities 22.13b

Total Rating: -3.16 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 56.43

1. Piotroski 4.0pt

2. FCF Yield data missing

3. FCF Margin 30.76%

4. Debt/Equity 0.66

5. Debt/Ebitda -13.60

6. ROIC - WACC (= -6.42)%

7. RoE 9.62%

8. Rev. Trend 53.36%

9. EPS Trend -32.70%

What is the price of CUBI shares?

As of January 22, 2026, the stock is trading at USD 80.20 with a total of 357,456 shares traded.
Over the past week, the price has changed by +3.75%, over one month by +4.01%, over three months by +23.44% and over the past year by +58.28%.

Is CUBI a buy, sell or hold?

Customers Bancorp has received a consensus analysts rating of 3.88. Therefore, it is recommended to buy CUBI.

Strong Buy: 3
Buy: 1
Hold: 4
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the CUBI price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	87	8.5%
Analysts Target Price	87	8.5%
ValueRay Target Price	101.1	26%

CUBI Fundamental Data Overview January 22, 2026

P/E Trailing = 15.1976
P/E Forward = 10.0806
P/S = 3.9504
P/B = 1.3117
Revenue TTM = 1.21b USD
EBIT TTM = 148.1m USD
EBITDA TTM = 174.7m USD
Long Term Debt = 1.43b USD (from longTermDebt, last quarter)
Short Term Debt = 50.0m USD (from shortLongTermDebt, last quarter)
Debt = 1.41b USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -2.38b USD (from netDebt column, last fiscal year)
Enterprise Value = -200.1m USD (2.58b + Debt 1.41b - CCE 4.19b)
Interest Coverage Ratio = 0.24 (Ebit TTM 148.1m / Interest Expense TTM 628.7m)
EV/FCF = -0.54x (Enterprise Value -200.1m / FCF TTM 373.6m)
FCF Yield = -186.7% (FCF TTM 373.6m / Enterprise Value -200.1m)
FCF Margin = 30.76% (FCF TTM 373.6m / Revenue TTM 1.21b)
Net Margin = 15.75% (Net Income TTM 191.3m / Revenue TTM 1.21b)
Gross Margin = 55.12% ((Revenue TTM 1.21b - Cost of Revenue TTM 545.1m) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 51.97%)
Tobins Q-Ratio = -0.01 (set to none) (Enterprise Value -200.1m / Total Assets 24.26b)
Interest Expense / Debt = 11.32% (Interest Expense 159.6m / Debt 1.41b)
Taxrate = 24.51% (24.6m / 100.3m)
NOPAT = 111.8m (EBIT 148.1m * (1 - 24.51%))
Current Ratio = 0.32 (Total Current Assets 6.13b / Total Current Liabilities 18.95b)
Debt / Equity = 0.66 (Debt 1.41b / totalStockholderEquity, last quarter 2.13b)
Debt / EBITDA = -13.60 (Net Debt -2.38b / EBITDA 174.7m)
Debt / FCF = -6.36 (Net Debt -2.38b / FCF TTM 373.6m)
Total Stockholder Equity = 1.99b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.84% (Net Income 191.3m / Total Assets 24.26b)
RoE = 9.62% (Net Income TTM 191.3m / Total Stockholder Equity 1.99b)
RoCE = 4.34% (EBIT 148.1m / Capital Employed (Equity 1.99b + L.T.Debt 1.43b))
RoIC = 3.43% (NOPAT 111.8m / Invested Capital 3.26b)
WACC = 9.85% (E(2.58b)/V(3.99b) * Re(10.57%) + D(1.41b)/V(3.99b) * Rd(11.32%) * (1-Tc(0.25)))
Discount Rate = 10.57% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 2.49%
[DCF Debug] Terminal Value 62.34% ; FCFF base≈373.6m ; Y1≈245.3m ; Y5≈111.9m
Fair Price DCF = 118.1 (EV 1.66b - Net Debt -2.38b = Equity 4.04b / Shares 34.2m; r=9.85% [WACC]; 5y FCF grow -40.0% → 2.90% )
[DCF Warning] FCF declining rapidly (-40.0%), DCF may be unreliable
EPS Correlation: -32.70 | EPS CAGR: -51.52% | SUE: -4.0 | # QB: 0
Revenue Correlation: 53.36 | Revenue CAGR: 0.94% | SUE: 0.18 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.89 | Chg30d=+0.025 | Revisions Net=+0 | Analysts=7
EPS next Year (2026-12-31): EPS=8.08 | Chg30d=+0.110 | Revisions Net=+1 | Growth EPS=+6.7% | Growth Revenue=+8.7%

Additional Sources for CUBI Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle