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CUBICUBI

$67.01

-0.34
arrow_drop_down0.50%
Current Market·update13 Nov 2025 20:39
Day's Range
66.32-67.955
52-week Range
40.75-72.51

Chart

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Performance

Key Stats

Next Earnings Date2025-10-23
Next Earnings TimeAfter Market Close
Volume110.29K
Average Volume 30d330.82K

AI CUBI Summary

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23.4
Valuation (P/E Ratio)
Within a reasonable range
📈
0.152
EPS Growth (YoY)
Based on TTM EPS increase
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AI Scoreboard

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Overall Analysis

Buy
68

Customers Bancorp demonstrates strong financial health and solid performance, with positive outlooks in key fundamental areas. However, recent technical indicators suggest a potential for short-term consolidation, while its thematic alignment is moderate.

Neutral

Thematic

55

The company's focus on digital banking and fintech partnerships positions it within growing tech trends, but its core banking operations are subject to broader economic cycles.

Strong

Fundamental

78

Customers Bancorp exhibits strong profitability, robust revenue growth, and a healthy balance sheet with significant cash reserves, indicating solid financial management.

Bullish

Technical

62

The stock is trending upwards, with most moving averages indicating a buy signal. However, some oscillators suggest the stock may be approaching overbought conditions.

FactorScore
Digital Banking & Fintech70
Payments & Treasury Services65
Economic Sensitivity50
Competitive Landscape45
Regulatory Environment40
FactorScore
Valuation65
Profitability85
Growth95
Balance Sheet Health90
Cash Flow70
FactorScore
Trend Analysis80
Momentum60
Volume Confirmation60
Support & Resistance50
Oscillator Signals40

AI Investing Checklist

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Bullish Points (7)

Earnings Performance chevron_right

Positive Earnings Surprises

The company has a history of beating earnings estimates, with 7 out of the last 8 quarters reporting positive EPS surprises.

Valuation chevron_right

Undervalued Compared to Industry

The P/E ratio of 16.10 is below the industry average of 20.5, suggesting the stock may be undervalued relative to its peers.

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Bearish Points (7)

Earnings Performance chevron_right

Missed Earnings Estimates

The company missed the EPS estimate in Q4 2024, reporting 1.34 against an estimate of 1.43, indicating potential challenges in meeting future earnings expectations.

Technical Analysis chevron_right

Overbought Indicators

The 1-day Stochastic %K (14, 3, 3) is at 86.47, suggesting the stock may be overbought in the short term and could be due for a pullback.

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Calendar

July 2025

25

Next Earnings Date

EPS Est.
Revenue Est.

H: $1.66

A: $1.61

L: $1.52

H: 202.10M

A: 178.16M

L: 169.10M

Profile

Employees (FY)787
ISINUS23204G1004
FIGI-

Customers Bancorp, Inc. operates as the bank holding company for Customers Bank that provides banking products and services. The company provides deposit banking products, which includes commercial and consumer checking, non-interest-bearing and interest-bearing demand, MMDA, savings, and time deposit accounts, as well as individual retirement accounts and non-retail time deposits consisting of jumbo certificates. Its lending business offers commercial and industrial, commercial real estate, and multifamily and residential mortgage loans; SBA lending; mortgage financing; specialty lending includes fund finance, real estate specialty finance, technology and venture, and healthcare and financial institutions group; commercial loans to mortgage companies, and commercial equipment financing; fund finance, such as variable rate loans secured by collateral pools to private debt funds; and cash management services. In addition, the company provides digital banking, such as Banking-as-a-Service to fintech companies; payments and treasury services to businesses; consumer loans through fintech companies; and the TassatPay, an instant blockchain-based digital payments platform which offers instant payments, including over-the-counter desks, exchanges, liquidity providers, market makers, funds, and other B2B verticals. Further, it offers mobile phone and internet banking, wire transfers, electronic bill payment, lock box, remote deposit capture, courier, merchant processing, cash vault, controlled disbursements, positive pay, and cash management services comprising account reconciliation, collections, and sweep accounts. The company was founded in 1997 and is headquartered in West Reading, Pennsylvania.

Seasonals

2025
2024
2023
2022
2021

Price Target

70.14 USD

The 39 analysts offering 1 year price forecasts for CUBI have a max estimate of 82.00 and a min estimate of 55.00.

Debt Level and Coverage

Debt
Free cash flow
Cash & equivalents

Financial Position Analysis

Assets
Liabilities

Ownership

Free Float shares
29.4M (92.96%)
Closely held shares
2.22M (7.04%)
31.6M
Free Float shares
29.4M (92.96%)
Closely held shares
2.22M (7.04%)

Capital Structure

Market cap
1.94B
Debt
1.41B
Minority interest
0.00
Cash & equivalents
3.79B
Enterprise value
-435.25M

Valuation - Summary

Market Cap
1.94B
Net income
86.6M(4.46%)
Revenue
453M(23.34%)
1.94B
Market Cap
1.94B
Net income
86.6M(4.46%)
Revenue
453M(23.34%)
Price to earning ratio (P/E)22.40x
Price to sales ratio (P/S)4.30x

Valuation - Ratios

P/E
P/S

Revenue to Profit Conversion

Revenue
687.5M
COGS
687.5M
Gross Profit
0.00
OpEx
0.00
Operating Income
0.00
Other & Taxes
-181.47M
Net Income
181.47M

Balance Sheet

Total assets
Total liabilities
Liabilities to assets %

Income Statement

Revenue
Net Income
Net Margin

Cash Flow

Operating Cash Flow
Investing Cash Flow
Financing Cash Flow
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