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CUBI

Customers Bancorp, Inc.

CUBI

Customers Bancorp, Inc. • NYSE
$68.90 ▼ -0.07% (-0.05)
Market Cap $2.18 B
52w High $72.51
52w Low $40.75
Dividend Yield 0%
P/E 13.89
Volume 127.73K
Outstanding Shares 31.68M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $387.503M ▲ $101.05M ▼ $75.745M ▲ 19.547% ▲ $2.28 ▲ $102.24M ▲
Q2-2025 $353.554M ▲ $102.573M ▲ $60.939M ▲ 17.236% ▲ $1.77 ▲ $90.545M ▲
Q1-2025 $285.789M ▼ $98.141M ▲ $12.912M ▼ 4.518% ▼ $0.3 ▼ $27.527M ▼
Q4-2024 $313.501M ▼ $94.361M ▼ $26.915M ▼ 8.585% ▼ $0.74 ▼ $44.955M ▼
Q3-2024 $336.892M $100.24M $46.743M 13.875% $1.36 $55.767M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $4.796B ▲ $24.26B ▲ $22.134B ▲ $2.126B ▲
Q2-2025 $4.181B ▼ $22.551B ▲ $20.687B ▲ $1.864B ▼
Q1-2025 $4.186B ▼ $22.423B ▲ $20.558B ▲ $1.865B ▲
Q4-2024 $5.806B ▲ $22.308B ▲ $20.472B ▲ $1.837B ▲
Q3-2024 $5.5B $21.456B $19.655B $1.801B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q2-2025 $60.939M ▲ $162.154M ▲ $-119.174M ▲ $31.841M ▼ $74.821M ▲ $138.655M ▲
Q1-2025 $12.912M ▼ $94.121M ▼ $-500.028M ▼ $48.666M ▼ $-357.241M ▼ $77.037M ▼
Q4-2024 $26.915M ▼ $133.402M ▲ $-261.067M ▲ $825.574M ▲ $697.909M ▲ $100.506M ▲
Q3-2024 $46.743M ▼ $24.398M ▲ $-386.705M ▼ $401.742M ▲ $39.435M ▲ $12.444M ▲
Q2-2024 $58.085M $6.075M $-195.159M $-463.449M $-652.533M $-9.837M

Revenue by Products

Product Q1-2022Q2-2022Q3-2022Q4-2022
Credit and Debit Card
Credit and Debit Card
 $0 ▲$0 ▲$0 ▲$0 ▲
Deposit Account
Deposit Account
 $0 ▲$0 ▲$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement Revenue has grown meaningfully over the past several years, but it has started to level off more recently, with a slight step down from last year. Profitability is still solid, yet clearly below the peak years when margins were unusually strong. Earnings per share have trended down from their high point, though they remain well above pre‑pandemic levels. Overall, the business looks healthy and consistently profitable, but no longer in the exceptional profit phase it enjoyed a few years ago. The picture suggests a move from a “surge” period into a more normal, competitive banking environment where cost control, credit quality, and funding costs matter more for sustaining earnings.

Balance Sheet

Balance Sheet The balance sheet has expanded steadily, with total assets growing each year, reflecting an ongoing build‑out of the franchise. Cash and liquid resources have increased sharply versus a few years ago, which is reassuring for a regional bank in a more volatile funding environment. Leverage appears contained, with borrowings relatively stable while shareholders’ equity has gradually risen. That pattern usually points to retained profits strengthening capital over time. As with any bank, the underlying quality of loans and deposits remains a key uncertainty, but on the surface the capital base is moving in a constructive direction.

Cash Flow

Cash Flow Cash generation has generally been positive, with only one recent year showing a notable shortfall in operating cash flow and free cash flow. Outside that hiccup, the bank has produced more cash than it spends, which supports balance sheet growth and capital build. Investment spending has been modest and manageable, which fits a technology‑enabled, branch‑light model rather than a brick‑and‑mortar expansion strategy. The pattern suggests a business that can fund its growth and technology investments largely from internal cash, though investors should always watch for swings in cash flows in a rate‑sensitive industry like banking.

Competitive Edge

Competitive Edge Customers Bancorp occupies a focused niche rather than trying to be a broad national bank. Its strengths are in venture banking, technology and life sciences clients, and services to the digital asset ecosystem. These are segments many traditional banks either avoid or do not serve deeply, which gives CUBI a differentiated position. Its branch‑light, technology‑heavy model helps keep costs lean and allows it to move quickly, while the “single point of contact” relationship approach builds loyalty and switching costs. On the other hand, concentration in faster‑moving, higher‑risk sectors (startups, digital assets) exposes the bank to more volatility, regulatory scrutiny, and competition from both large banks and fintechs if those markets continue to mature.

Innovation and R&D

Innovation and R&D Innovation is a clear centerpiece of the strategy. The proprietary cubiX real‑time payments platform is a standout asset, especially for institutional and digital‑asset clients who need round‑the‑clock transaction capabilities. This not only supports deposits and client stickiness, it also opens up fee‑based revenue streams beyond traditional lending. The bank has invested heavily in digital onboarding, workflow automation, and partnerships with fintech firms, aiming to behave more like a tech company that offers banking rather than a conventional bank that uses tech. Looking ahead, further use of data, automation, and AI in underwriting and service, as well as expansion of fee‑driven offerings tied to cubiX and venture banking, are key watchpoints for how durable its innovation edge will be.

Summary

Customers Bancorp has grown from a smaller regional player into a specialized, technology‑driven bank with a clear niche. Financially, revenue and profits are well above early‑period levels, but earnings have cooled from peak years and now reflect a more normal, competitive environment. The balance sheet has become larger and more liquid, with capital building over time. Strategically, the bank’s edge comes from serving venture‑backed companies and the digital asset ecosystem with a high‑tech, high‑touch model and proprietary payments infrastructure. That focus provides differentiation and potential growth, but also ties the bank to sectors that can be cyclical, politically sensitive, and quickly crowded by larger competitors. The overall story is of a bank that has successfully reinvented itself around technology and niche expertise, with solid fundamentals but also meaningful exposure to evolving, higher‑risk areas of finance.

NEWS

November 18, 2025 · 7:00 AM UTC

Customers Bank Expands Physical Presence with New Offices in Five Growing West Coast Markets

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October 30, 2025 · 5:30 PM UTC

Customers Bancorp, Inc. Declares Quarterly Cash Dividend on Its Series F Preferred Stock and Announces Full Redemption of Series F Preferred Stock

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October 23, 2025 · 4:30 PM UTC

Customers Bancorp Reports Results for Third Quarter 2025

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October 14, 2025 · 4:30 PM UTC

Customers Bancorp, Inc. Hosts Third Quarter 2025 Earnings Webcast Friday, October 24, 2025

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