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CUBI stock logo

CUBI

Customers Bancorp, Inc.

$75.3
1.12
 (1.51%)
Exchange:  NYSE
Market Cap:  2.547B
Shares Outstanding:  2.223M
Delayed data
Calculate CUBI Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Samvir S. Sidhu
Full Time Employees:  787
Address: 
701 Reading Avenue
West Reading
PA
19611
US
Website:  https://www.customersbank.com
Customers Bancorp, Inc. acts as the parent company for Customers Bank, delivering a comprehensive array of financial offerings to individual clients and small to mid-sized businesses. Its product portfolio includes diverse deposit options such as checking, savings, and money market demand accounts. The company provides a variety of lending solutions, encompassing commercial mortgage warehouse, multi-family and commercial real estate, business, small business, equipment, residential mortgage, and installment loans. Furthermore, it offers an extensive suite of banking services, ranging from digital platforms like mobile and internet banking and electronic bill pay, to essential traditional services such as wire transfers, lock box, remote deposit capture, courier services, and merchant processing. Advanced cash management tools, including cash vault, controlled disbursements, positive pay, account reconciliation, collections, and sweep accounts, are also available. Established in 1994 and headquartered in West Reading, Pennsylvania, the corporation maintains 12 full-service branches in addition to various limited production and administrative offices across multiple states, including Pennsylvania, New York, New Jersey, Massachusetts, Rhode Island, New Hampshire, Washington D.C., Illinois, Texas, Florida, and North Carolina.

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Revenue Segmentation

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EPS

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View full analyst estimates

Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/04/24 — Q1 quarter 2026

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue1,420,8501,360,9291,414,560
Gross Profit666,328614,048729,841
EBITDA362,553257,925351,615
Operating Income330,740224,373310,768
Net Income250,143181,469224,088

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets21,316,26522,308,24124,895,868
Total Liabilities19,677,87120,471,55822,780,351
Total Stockholders Equity1,638,3941,836,6832,115,517
Total Debt1,509,2771,409,9291,705,423
Cash and Cash Equivalents3,846,3463,785,93162,051

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow124,729145,057494,759
Capital Expenditure-41,342-65,1870
Free Cash Flow83,38779,870494,759
Net Income250,143181,469224,088
Net Change in Cash3,390,540-60,4150

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2028Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)951,295.698Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)953,459.346Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)952,377.522Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)303,855.698Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)304,546.794Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)304,201.246Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)0Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)0Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)0Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)137,353.439Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)137,665.839Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)137,509.639Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)0Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)0Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)0Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)1Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)4Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
1.375B  ?P/S
 (TTM)
: 
1.67
?Net Income
 (TTM)
: 
181.469M  ?P/E
 (TTM)
: 
8.96
?Enterprise Value
 (TTM)
: 
4.312B  ?EV/FCF
 (TTM)
: 
14.61
?Dividend Yield
 (TTM)
: 
0  ?Payout Ratio
 (TTM)
: 
0.03
?ROE
 (TTM)
: 
0.14  ?ROIC
 (TTM)
: 
0.01
?Net Debt
 (TTM)
: 
1.391B  ?Debt/Equity
 (TTM)
: 
0.89
?P/B
 (TTM)
: 
1.17  ?Current Ratio
 (TTM)
: 
2.77

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
8.88Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates CUBI intrinsic value between $35.87 – $36.64 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

[intrinsic_calculator]

Common questions about CUBI valuation

Is Customers Bancorp, Inc. (CUBI) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Customers Bancorp, Inc. (CUBI) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is CUBI a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether CUBI trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is CUBI’s P/E ratio?

You can see CUBI’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for CUBI?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is CUBI a good long-term investment?

Whether CUBI fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

CUBI

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

1.51
MARKETSnap

Trading Metrics:

Open: 74.99   Previous Close: 74.18
Day Low: 74.4   Day High: 77.09
Year Low: 50.06   Year High: 82.56
Price Avg 50: 74.65   Price Avg 200: 71.3
Volume: 232694   Average Volume: 364393

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See in Nexus

Relevant news

Customers Bank Named on Business Insider's America's High Growth Companies 2026
09-06-2026 17:30
Customers Bank Named on Business Insider's America's High Growth Companies 2026
Customers Bancorp Inc (CUBI) Stock Up 3.1% but GF Value Says Overvalued -- GF Score: 79/100
04-06-2026 20:17
Customers Bancorp Inc (CUBI) Stock Up 3.1% but GF Value Says Overvalued -- GF Score: 79/100
Customers Bank and ElevenLabs to Deploy AI-Powered Conversational Agents Across Customer and Employee Experiences
02-06-2026 17:30
Customers Bank and ElevenLabs to Deploy AI-Powered Conversational Agents Across Customer and Employee Experiences
Customers Bancorp (CUBI) Moves to Buy: Rationale Behind the Upgrade
22-05-2026 13:01
Customers Bancorp (CUBI) Moves to Buy: Rationale Behind the Upgrade
Customers Bank's cubiX Wins Silver Stevie® Award for Achievement in Product Innovation at the 24th Annual American Business Awards
30-04-2026 16:45
Customers Bank's cubiX Wins Silver Stevie® Award for Achievement in Product Innovation at the 24th Annual American Business Awards
Customers Bank Announces Strategic Collaboration with OpenAI to Redefine the Commercial Banking Operating Model
27-04-2026 09:00
Customers Bank Announces Strategic Collaboration with OpenAI to Redefine the Commercial Banking Operating Model

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