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CUBI logo CUBI
Upturn stock ratingUpturn stock rating
CUBI logo

Customers Bancorp Inc (CUBI)

Upturn stock ratingUpturn stock rating
$71.17
Last Close (24-hour delay)
Profit since last BUY24.84%
upturn advisory
Strong Buy
BUY since 46 days
  • BUY Advisory
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  • SELL Advisory (Loss)​
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Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
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Time period over
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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!

Upturn Star Rating

rating

Moderate Performance

These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.

Number of Analysts

rating

8 Analysts rated it

Limited analyst coverage, niche firm, research info may be scarce.

1 Year Target Price $76.57

1 Year Target Price $76.57

Analysts Price Target For last 52 week
$76.57 Target price
52w Low $40.75
Current$71.17
52w High $72.14

Analysis of Past Performance

Type Stock
Historic Profit 100.04%
Avg. Invested days 33
Today’s Advisory Strong Buy
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 5.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/28/2025

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

ai summary icon Upturn AI SWOT

Customers Bancorp Inc

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 809

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.