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Upturn AI SWOT - About
CUBI 
Customers Bancorp Inc (CUBI)
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Upturn Advisory Summary
09/12/2025: CUBI (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
8 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $77.29
1 Year Target Price $77.29
| 3 | Strong Buy |
| 1 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 90.71% | Avg. Invested days 34 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 09/12/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.32B USD | Price to earnings Ratio 16.75 | 1Y Target Price 77.29 |
Price to earnings Ratio 16.75 | 1Y Target Price 77.29 | ||
Volume (30-day avg) 8 | Beta 1.63 | 52 Weeks Range 40.75 - 72.51 | Updated Date 09/14/2025 |
52 Weeks Range 40.75 - 72.51 | Updated Date 09/14/2025 | ||
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 16.75 | Forward PE - | Enterprise Value 243231792 | Price to Sales(TTM) 3.88 |
Enterprise Value 243231792 | Price to Sales(TTM) 3.88 | ||
Enterprise Value to Revenue 5.92 | Enterprise Value to EBITDA - | Shares Outstanding 34151400 | Shares Floating 29543929 |
Shares Outstanding 34151400 | Shares Floating 29543929 | ||
Percent Insiders 7.59 | Percent Institutions 84.73 |
Upturn AI SWOT
Customers Bancorp Inc
Company Overview
History and Background
Customers Bancorp Inc. was founded in 1997. Initially a small community bank, it has grown through organic expansion and strategic acquisitions to become a diversified financial services company.
Core Business Areas
- Commercial Banking: Provides a range of banking products and services to businesses, including loans, deposits, and treasury management.
- Consumer Banking: Offers retail banking services such as checking and savings accounts, mortgages, and personal loans.
- FinTech and Payments: Focuses on providing innovative payment solutions and banking-as-a-service (BaaS) offerings through its Customers Bank division.
Leadership and Structure
The company is led by a seasoned executive team with experience in banking and finance. Its organizational structure is divided into key business segments, each headed by a senior leader reporting to the CEO.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides term loans, lines of credit, and other financing solutions to businesses. Market share is estimated at approximately 1-2% within the commercial lending sector. Competitors include large national banks like JPMorgan Chase, Bank of America, and regional banks like PNC Financial Services.
- Residential Mortgages: Offers a variety of mortgage products to homebuyers. Market share fluctuates based on interest rate environment and market conditions. Competitors include Rocket Mortgage, Wells Fargo, and other mortgage lenders.
- Digital Banking Platform: A banking-as-a-service (BaaS) platform serving FinTechs. Market share is still developing. Competitors include Green Dot, Fiserv and other BaaS providers.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased competition from fintech companies, and evolving regulatory landscape. However, there are also opportunities for growth in areas such as digital banking and specialized lending.
Positioning
Customers Bancorp Inc. is positioned as a technology-forward, relationship-focused bank that serves both commercial and retail customers. Its competitive advantage lies in its ability to offer personalized service and innovative solutions.
Total Addressable Market (TAM)
The TAM for banking services is vast, encompassing trillions of dollars in assets and transactions. Customers Bancorp Inc. focuses on specific segments of this market, such as small and medium-sized businesses and tech-enabled financial services, and is positioned to increase its market share within those segments.
Upturn SWOT Analysis
Strengths
- Strong capital base
- Experienced management team
- Diversified business model
- Technology-driven approach
- Growing presence in key markets
Weaknesses
- Relatively small size compared to larger competitors
- Higher cost of funds than larger institutions
- Dependence on certain key customers
- Geographic concentration in certain regions
Opportunities
- Expansion into new markets
- Acquisitions of smaller banks or fintech companies
- Growth in digital banking and payments
- Increased demand for specialized lending products
- Partnerships with fintech companies
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- JPM
- BAC
- PNC
- USB
- ALLY
Competitive Landscape
Customers Bancorp Inc. faces intense competition from larger national and regional banks, as well as fintech companies. To succeed, it must continue to innovate and differentiate itself by providing personalized service and cutting-edge solutions.
Major Acquisitions
Finitiv
- Year: 2021
- Acquisition Price (USD millions): 125
- Strategic Rationale: Acquisition enhances digital payments capabilities and expands Customers Bank's reach in the fintech sector.
Growth Trajectory and Initiatives
Historical Growth: Customers Bancorp Inc. has experienced significant growth in recent years, driven by organic expansion and acquisitions.
Future Projections: Analysts expect the company to continue to grow its revenue and earnings in the coming years, driven by its digital banking initiatives and commercial lending business.
Recent Initiatives: Recent strategic initiatives include the expansion of its digital banking platform, the acquisition of new fintech companies, and the launch of new specialized lending products.
Summary
Customers Bancorp Inc. is a growing bank with a strong technology focus, but faces challenges from larger competitors and rising interest rates. Its diversified business model and strategic acquisitions position it well for future growth, but it must manage risks effectively. The company benefits from a solid capital base and experienced management. Navigating regulatory complexities remains a key concern.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market data is dynamic and may change rapidly. Actual financial performance may differ materially from projections.
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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