CUBI
Neutral signalScored 2026-08-09 Drivers: fundamentals. Moteurs : fondamentaux.
Research, not advice.
À propos
Customers Bancorp, Inc.
- Nom
- Customers Bancorp, Inc.
- Secteur
- Financial Services
- Industrie
- Banks - Regional
- Bourse
- NYSE
- Capitalisation
- $2.9B
- Employés
- 866
- PDG
- Samvir S. Sidhu
- Site web
- https://www.customersbank.com
- Marché
- BANRBUSEEFSCFBNCFFBCFRME
Customers Bancorp, Inc. operates as the bank holding company for Customers Bank that provides banking products and services. It 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. The company’s lending business offers commercial and industrial, commercial real estate, and multifamily and residential mortgage loans; SBA lending; mortgage finance; 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, it 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, title companies, and other B2B verticals. Further, the company 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.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 110 000 titres (~8 809 025,24 $ US)
- Insiders
- Allon Andrea R.SIDHU JAY S
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$8,809,025
Avg sell (VWAP, 90d window) $80.08 vs last close —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- 2026-08-13
- Last synced
-
2026-08-21 23:36:53
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-08-13 | Allon Andrea R. | Sell · S | 10,000 | $82.81 | $828,100 | Form 4 |
| 2026-08-03 | SIDHU JAY S | Sell · S | 68,821 | $80.09 | $5,511,791 | Form 4 |
| 2026-07-30 | SIDHU JAY S | Sell · S | 835 | $79.00 | $65,965 | Form 4 |
| 2026-07-29 | SIDHU JAY S | Sell · S | 30,344 | $79.20 | $2,403,169 | Form 4 |
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Neutral signalScored 2026-08-09 Drivers: fundamentals. Moteurs : fondamentaux.
CUBI's critical liquidity profile (current/quick ratios of 0.01, interest coverage of 0.51) signals severe near-term solvency risk that overwhelms the modest earnings beat and analyst upgrade observed in the catalyst…
The first sentence of the analysis written for CUBI on 2026-08-09 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Unavailable or mixed. Current ratio 0.01 · operating margin 22% — readings disagree
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 51.6% | 45.1% | 46.9% | 64.1% | 85.4% | |
| Ebit Margin | 22.0% | 16.5% | 23.3% | 32.5% | 52.2% | |
| Ebitda Margin | 24.9% | 19.0% | 25.5% | 35.6% | 54.8% | |
| Operating Profit Margin | 22.0% | 16.5% | 23.3% | 32.5% | 52.2% | |
| Pretax Profit Margin | 20.4% | 16.5% | 23.3% | 32.5% | 52.2% | |
| Continuous Operations Profit Margin | 15.8% | 13.3% | 17.6% | 25.5% | 41.9% | |
| Net Profit Margin | 15.8% | 13.3% | 17.6% | 25.5% | 37.3% | |
| Bottom Line Profit Margin | 14.8% | 12.2% | 16.6% | 24.4% | 40.2% | |
| Current Ratio | 0.011 | 0.323 | 0.367 | 0.191 | 0.249 | |
| Quick Ratio | 0.011 | 0.323 | 0.367 | 0.191 | 0.249 | |
| Solvency Ratio | 0.012 | 0.011 | 0.014 | 0.013 | 0.018 | |
| Cash Ratio | 0.004 | 0.200 | 0.215 | 0.024 | 0.029 | |
| Price To Earnings Ratio | 11.425 | 9.220 | 7.693 | 4.236 | 6.220 | |
| Price To Earnings Growth Ratio | 0.539 | -0.312 | 0.643 | -0.117 | 0.040 | |
| Forward Price To Earnings Growth Ratio | 0.539 | -0.312 | 0.643 | -0.117 | 0.040 | |
| Price To Earnings Diluted Ratio | 11.794 | 9.564 | 7.872 | 4.353 | 6.485 | |
| Price To Earnings Diluted Growth Ratio | 0.541 | -0.314 | 0.633 | -0.123 | 0.044 | |
| Price To Book Ratio | 1.182 | 0.835 | 1.106 | 0.659 | 1.546 | |
| Price To Sales Ratio | 1.767 | 1.127 | 1.275 | 1.033 | 2.501 | |
| Price To Free Cash Flow Ratio | 7.491 | 19.204 | 21.722 | -6.893 | 8.867 | |
| Price To Operating Cash Flow Ratio | 5.053 | 10.574 | 14.522 | -44.409 | 7.790 | |
| Debt To Assets Ratio | 0.069 | 0.063 | 0.071 | 0.053 | 0.060 | |
| Debt To Equity Ratio | 0.806 | 0.768 | 0.921 | 0.788 | 0.864 | |
| Debt To Capital Ratio | 0.446 | 0.434 | 0.479 | 0.441 | 0.463 | |
| Long Term Debt To Capital Ratio | 0.446 | 0.416 | 0.479 | 0.365 | 0.229 | |
| Financial Leverage Ratio | 11.768 | 12.146 | 13.010 | 14.894 | 14.328 | |
| Working Capital Turnover Ratio | -0.100 | -0.113 | -0.107 | -0.063 | -0.071 | |
| Operating Cash Flow Ratio | 0.031 | 0.008 | 0.007 | -0.001 | 0.015 | |
| Operating Cash Flow Sales Ratio | 0.350 | 0.107 | 0.088 | -0.023 | 0.321 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.674 | 0.551 | 0.669 | 6.443 | 0.878 | |
| Debt Service Coverage Ratio | 0.466 | 0.278 | 0.415 | 0.454 | 0.432 | |
| Interest Coverage Ratio | 0.510 | 0.333 | 0.486 | 1.113 | 4.605 | |
| Short Term Operating Cash Flow Coverage Ratio | 66.518 | 1.451 | 0.000 | -0.069 | 0.350 | |
| Operating Cash Flow Coverage Ratio | 0.290 | 0.103 | 0.083 | -0.019 | 0.230 | |
| Capital Expenditure Coverage Ratio | 3.072 | 2.225 | 3.017 | -0.184 | 8.229 | |
| Dividend Paid And Capex Coverage Ratio | 2.879 | 1.806 | 2.228 | -0.170 | 6.193 | |
| Dividend Payout Ratio | 0.048 | 0.083 | 0.059 | 0.041 | 0.034 | |
| Enterprise Value Multiple | 11.784 | -3.265 | -1.450 | 4.944 | 5.993 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 51.6% | ▲6.5% | ▼-7.0% |
| Ebit Margin | 22.0% | ▲5.5% | ▼-7.3% |
| Ebitda Margin | 24.9% | ▲5.9% | ▼-7.1% |
| Operating Profit Margin | 22.0% | ▲5.5% | ▼-7.3% |
| Pretax Profit Margin | 20.4% | ▲3.9% | ▼-8.6% |
| Continuous Operations Profit Margin | 15.8% | ▲2.5% | ▼-7.0% |
| Net Profit Margin | 15.8% | ▲2.5% | ▼-6.1% |
| Bottom Line Profit Margin | 14.8% | ▲2.6% | ▼-6.9% |
| Current Ratio | 0.011 | ▼-0.313 | ▼-0.217 |
| Quick Ratio | 0.011 | ▼-0.313 | ▼-0.217 |
| Solvency Ratio | 0.012 | ▲0.001 | ▼-0.002 |
| Cash Ratio | 0.004 | ▼-0.196 | ▼-0.090 |
| Price To Earnings Ratio | 11.425 | ▲2.205 | ▲3.666 |
| Price To Earnings Growth Ratio | 0.539 | ▲0.851 | ▲0.380 |
| Forward Price To Earnings Growth Ratio | 0.539 | ▲0.851 | ▲0.380 |
| Price To Earnings Diluted Ratio | 11.793 | ▲2.230 | ▲3.780 |
| Price To Earnings Diluted Growth Ratio | 0.541 | ▲0.855 | ▲0.385 |
| Price To Book Ratio | 1.182 | ▲0.347 | ▲0.116 |
| Price To Sales Ratio | 1.767 | ▲0.640 | ▲0.227 |
| Price To Free Cash Flow Ratio | 7.492 | ▼-11.713 | ▼-2.587 |
| Price To Operating Cash Flow Ratio | 5.053 | ▼-5.521 | ▲6.347 |
| Debt To Assets Ratio | 0.069 | ▲0.005 | ▲0.005 |
| Debt To Equity Ratio | 0.806 | ▲0.038 | ▼-0.023 |
| Debt To Capital Ratio | 0.446 | ▲0.012 | ▼-0.006 |
| Long Term Debt To Capital Ratio | 0.446 | ▲0.030 | ▲0.059 |
| Financial Leverage Ratio | 11.768 | ▼-0.378 | ▼-1.461 |
| Working Capital Turnover Ratio | -0.100 | ▲0.013 | ▼-0.009 |
| Operating Cash Flow Ratio | 0.031 | ▲0.024 | ▲0.019 |
| Operating Cash Flow Sales Ratio | 0.350 | ▲0.243 | ▲0.181 |
| Free Cash Flow Operating Cash Flow Ratio | 0.674 | ▲0.124 | ▼-1.169 |
| Debt Service Coverage Ratio | 0.466 | ▲0.188 | ▲0.057 |
| Interest Coverage Ratio | 0.510 | ▲0.177 | ▼-0.899 |
| Short Term Operating Cash Flow Coverage Ratio | 66.518 | ▲65.067 | ▲52.868 |
| Operating Cash Flow Coverage Ratio | 0.290 | ▲0.187 | ▲0.153 |
| Capital Expenditure Coverage Ratio | 3.072 | ▲0.847 | ▼-0.200 |
| Dividend Paid And Capex Coverage Ratio | 2.879 | ▲1.073 | ▲0.292 |
| Dividend Payout Ratio | 0.048 | ▼-0.035 | ▼-0.005 |
| Enterprise Value Multiple | 11.784 | ▲15.049 | ▲8.182 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $2.50B | $1.53B | $1.81B | $924.8M | $2.11B | |
| Enterprise value | $4.14B | -$842.1M | -$525.7M | $1.57B | $2.77B | |
| EV / Sales | 2.93x | -0.62x | -0.37x | 1.76x | 3.28x | |
| EV / Op. cash flow | 8.37x | -5.81x | -4.21x | -75.61x | 10.23x | |
| EV / Free cash flow | 12.42x | -10.54x | -6.30x | -11.73x | 11.64x | |
| EV / EBITDA | 11.78x | -3.27x | -1.45x | 4.94x | 5.99x | |
| Net debt / EBITDA | 4.67x | -9.21x | -6.45x | 2.04x | 1.43x | |
| Current ratio | 0.01x | 0.32x | 0.37x | 0.19x | 0.25x | |
| Income quality | 2.21x | 0.80x | 0.50x | -0.09x | 0.77x | |
| Graham number | $96 | $87 | $97 | $82 | $96 | |
| Graham net-net | -$662 | -$458 | -$419 | -$489 | -$427 | |
| Tax burden | 77.7% | 80.9% | 75.6% | 78.3% | 71.3% | |
| Interest burden | 92.8% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$15.59B | -$12.82B | -$11.35B | -$15.12B | -$13.38B | |
| Invested capital | -$15.57B | -$12.81B | -$11.34B | -$15.11B | -$13.36B | |
| Return on assets | 0.9% | 0.8% | 1.2% | 1.1% | 1.6% | |
| Operating ROA | 1.3% | 1.0% | 1.6% | 1.4% | 2.3% | |
| Return on tangible assets | 0.9% | 0.8% | 1.2% | 1.1% | 1.6% | |
| Return on equity | 10.6% | 9.9% | 15.3% | 16.3% | 23.0% | |
| Return on invested capital | 2.6% | 5.2% | 7.4% | 9.1% | 13.9% | |
| Return on capital employed | 3.4% | 6.7% | 9.7% | 13.2% | 24.9% | |
| Earnings yield | 9.0% | 11.8% | 13.8% | 24.7% | 14.9% | |
| Free cash flow yield | 13.3% | 5.2% | 4.6% | -14.5% | 11.3% | |
| Capex / Op. cash flow | 32.6% | 44.9% | 33.1% | -544.3% | 12.2% | |
| Capex / Depreciation | 425.4% | 194.3% | 130.0% | 417.4% | 152.1% | |
| Capex / Sales | 11.4% | 4.8% | 2.9% | 12.7% | 3.9% | |
| SG&A / Sales | 15.8% | 16.3% | 12.1% | 13.8% | 14.2% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 1.3% | 1.1% | 0.9% | 1.6% | 1.6% | |
| Intangibles / Total assets | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Days sales outstanding | 27d | 87d | 82d | 50d | 40d | |
| Days payables outstanding | 0d | 0d | 0d | 262d | 744d | |
| Operating cycle | 27d | 87d | 82d | 50d | 40d | |
| Cash conversion cycle | 27d | 87d | 82d | -211d | -704d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-08-03 Is the Options Market Predicting a Spike in Customers Bancorp Stock? Investors need to pay close attention to CUBI stock based on the movements in the options market lately.
- 2026-07-24 Customers Bancorp, Inc. (CUBI) Q2 2026 Earnings Call Transcript Customers Bancorp, Inc. (CUBI) Q2 2026 Earnings Call Transcript
- 2026-07-24 Customers Bancorp Q2 Earnings Call Highlights Customers Bancorp NYSE: CUBI reported second-quarter 2026 earnings per share of $2.05, up about 4% from the prior quarter and 18% from a year earlier, as loan growth, deposit gathering and net interest income increased. CEO Sam Sidhu and Chief Financial Officer Mark McCollum said the company reaffirmed its key full-year guidance and expects stronger net interest income in the second half of 2026.
- 2026-07-23 Here''s What Key Metrics Tell Us About Customers Bancorp (CUBI) Q2 Earnings Although the revenue and EPS for Customers Bancorp (CUBI) give a sense of how its business performed in the quarter ended June 2026, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
- 2026-07-23 Customers Bancorp (CUBI) Beats Q2 Earnings Estimates Customers Bancorp (CUBI) came out with quarterly earnings of $2.05 per share, beating the Zacks Consensus Estimate of $2 per share. This compares to earnings of $1.8 per share a year ago.
- 2026-07-23 Customers Bancorp Reports Results for Second Quarter 2026 WEST READING, Pa.--(BUSINESS WIRE)--Customers Bancorp, Inc. (NYSE:CUBI): Second Quarter 2026 Highlights Q2 2026 net income available to common shareholders was $71.6 million, or $2.05 per diluted share; ROAA was 1.13% and ROCE was 13.22%. Q2 2026 core earnings*1 were $71.5 million, or $2.05 per diluted share; Core ROAA* was 1.13% and Core ROCE* was 13.20%. Total deposits increased $140.3 million, or 0.6% in Q2 2026 from Q1 2026, and $2.8 billion, or 14.5% from Q2 2025 to a period end record lev.
- 2026-07-16 Customers Bancorp (CUBI) Earnings Expected to Grow: Should You Buy? Customers Bancorp (CUBI) doesn''t possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
- 2026-07-16 Customers Bancorp: A Quick Upgrade Is Warranted Customers Bancorp is upgraded from ''hold'' to a soft ''buy'' following improved profitability and attractive forward valuation. CUBI''s net interest margin rose to 3.22%, with net income surging from $9.5M to $69.7M, and asset quality remains robust. Uninsured deposit exposure is elevated at 43.1%, increasing risk, but non-performing assets are low at 0.29%.
- 2026-07-13 Customers Bancorp, Inc. Hosts Second Quarter 2026 Earnings Webcast Friday, July 24, 2026 WEST READING, Pa.--(BUSINESS WIRE)--Customers Bancorp, Inc. (NYSE: CUBI), the parent company of Customers Bank (collectively, “Customers”), will host a webcast at 9:00 AM EST on Friday, July 24, 2026, to report its earnings results for the three months ending June 30, 2026. The webcast will be conducted by Sam Sidhu, President & CEO of Customers Bancorp, and Mark McCollom, Chief Financial Officer of Customers Bancorp. Register online for the webcast. The live audio webcast, presentation sli.
- 2026-07-03 The Customers Bancorp Chairman Sold Over 60,000 Company Shares Worth $4.6 Million. What Does That Mean for Investors? Chairman Jay Sidhu sold 60,315 shares for a total transaction value of ~$4.60 million on May 27, 2026. This trade represented 4.35% of Sidhu''s direct holdings at the time of sale.