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Customers Bancorp Inc (CUBI)



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Upturn Advisory Summary
08/28/2025: CUBI (3-star) is a STRONG-BUY. BUY since 46 days. Profits (24.84%). Updated daily EoD!
1 Year Target Price $76.57
1 Year Target Price $76.57
3 | Strong Buy |
1 | Buy |
4 | Hold |
0 | Sell |
0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 100.04% | Avg. Invested days 33 | Today’s Advisory Strong Buy |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.27B USD | Price to earnings Ratio 17.7 | 1Y Target Price 76.57 |
Price to earnings Ratio 17.7 | 1Y Target Price 76.57 | ||
Volume (30-day avg) 8 | Beta 1.6 | 52 Weeks Range 40.75 - 72.14 | Updated Date 08/29/2025 |
52 Weeks Range 40.75 - 72.14 | Updated Date 08/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 4.05 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 24.73% | Operating Margin (TTM) 48.95% |
Management Effectiveness
Return on Assets (TTM) 0.68% | Return on Equity (TTM) 8.17% |
Valuation
Trailing PE 17.7 | Forward PE - | Enterprise Value 348221792 | Price to Sales(TTM) 3.8 |
Enterprise Value 348221792 | Price to Sales(TTM) 3.8 | ||
Enterprise Value to Revenue 5.81 | Enterprise Value to EBITDA - | Shares Outstanding 31623500 | Shares Floating 29400042 |
Shares Outstanding 31623500 | Shares Floating 29400042 | ||
Percent Insiders 8.19 | Percent Institutions 91.43 |
Upturn AI SWOT
Customers Bancorp Inc

Company Overview
History and Background
Customers Bancorp Inc. was founded in 1997. Initially focused on serving small and medium-sized businesses, it has grown through organic expansion and strategic acquisitions, evolving into a diversified financial services company. It aims to provide specialized financial products and services to its customers.
Core Business Areas
- Commercial Banking: Offers lending, deposit, and cash management services to businesses.
- Consumer Banking: Provides deposit accounts, loans, and other financial services to individual customers.
- FinTech: Focuses on banking as a service (BaaS) solutions, providing APIs and infrastructure to enable fintech companies to offer banking products.
Leadership and Structure
Jay Sidhu is the Chairman. Sam Sidhu is the Chief Executive Officer. The company operates with a board of directors and a management team overseeing various divisions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are a large portion of Customers Bancorp's portfolio. Exact market share data is unavailable, however the commercial lending market is highly competitive with players like JPMorgan Chase (JPM), Bank of America (BAC), and Wells Fargo (WFC).
- Deposit Accounts: Includes checking, savings, and money market accounts. Market share is difficult to ascertain precisely but is a key product. Major competitors are Bank of America (BAC), Wells Fargo (WFC) and Truist (TFC).
- Banking as a Service (BaaS): Provides API-driven banking solutions to fintechs and other businesses. A growing segment, competitors include Green Dot (GDOT) and Cross River Bank.
Market Dynamics
Industry Overview
The banking industry is currently facing rising interest rates, increased regulatory scrutiny, and technological disruption. Competition is fierce, with both traditional banks and fintech companies vying for market share.
Positioning
Customers Bancorp positions itself as a tech-forward bank focused on serving niche markets, particularly through its BaaS offerings. Its competitive advantage lies in its ability to provide customized solutions and its agility compared to larger institutions.
Total Addressable Market (TAM)
The TAM for banking services is multi-trillion USD. Customers Bancorp aims to capture a greater share through BaaS and niche commercial lending solutions.
Upturn SWOT Analysis
Strengths
- Strong focus on technology and innovation
- Experienced management team
- Diversified revenue streams
- Solid capital position
Weaknesses
- Smaller size compared to larger competitors
- Higher operating expenses (due to technology investments)
- Concentration risk in certain loan portfolios
Opportunities
- Expansion of BaaS offerings
- Strategic acquisitions of smaller banks or fintech companies
- Growing demand for digital banking services
- Increasing interest rates
Threats
- Increased competition from fintech companies
- Regulatory changes
- Economic downturn
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- GDOT
Competitive Landscape
Customers Bancorp faces stiff competition from larger, more established banks as well as emerging fintech companies. Its ability to differentiate itself through technology and customer service will be crucial for its success.
Major Acquisitions
Waypoint Bank
- Year: 2023
- Acquisition Price (USD millions): 64
- Strategic Rationale: Increased market share and expanded their deposit base.
Growth Trajectory and Initiatives
Historical Growth: Customers Bancorp has experienced moderate growth in recent years, driven by its strategic initiatives and acquisitions.
Future Projections: Analyst estimates project continued growth for Customers Bancorp, particularly in its BaaS business. Specific projections are unavailable without real-time data sources.
Recent Initiatives: Recent initiatives include expanding its BaaS platform, investing in technology infrastructure, and strengthening its risk management practices.
Summary
Customers Bancorp is a smaller bank with a focus on technology and niche markets, especially its BaaS business. It is facing intense competition from larger banks and fintech companies. Recent acquisitions strengthen its market position. Success will depend on continued innovation and effective risk management. Investors should keep a close eye on macro economic factors.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investors should conduct their own research and consult with a qualified financial advisor before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Customers Bancorp Inc
Exchange NYSE | Headquaters West Reading, PA, United States | ||
IPO Launch date 2012-02-21 | Founder, Chairman & CEO Mr. Jay S. Sidhu | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 809 | Website https://www.customersbank.com |
Full time employees 809 | Website https://www.customersbank.com |
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.

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