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Upturn AI SWOT - About
CUBI 
Customers Bancorp Inc (CUBI)
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Upturn Advisory Summary
06/30/2025: CUBI (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
8 Analysts rated it
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Year Target Price $66.38
Year Target Price $66.38
| 3 | Strong Buy |
| 1 | Buy |
| 4 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit 65.11% | Avg. Invested days 27 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.86B USD | Price to earnings Ratio 14.76 | 1Y Target Price 66.38 |
Price to earnings Ratio 14.76 | 1Y Target Price 66.38 | ||
Volume (30-day avg) 8 | Beta 1.54 | 52 Weeks Range 40.75 - 68.49 | Updated Date 06/30/2025 |
52 Weeks Range 40.75 - 68.49 | Updated Date 06/30/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 3.98 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 24.46% | Operating Margin (TTM) 20.62% |
Management Effectiveness
Return on Assets (TTM) 0.66% | Return on Equity (TTM) 8.14% |
Valuation
Trailing PE 14.76 | Forward PE - | Enterprise Value 22653020 | Price to Sales(TTM) 3.14 |
Enterprise Value 22653020 | Price to Sales(TTM) 3.14 | ||
Enterprise Value to Revenue 5.26 | Enterprise Value to EBITDA - | Shares Outstanding 31587800 | Shares Floating 29364645 |
Shares Outstanding 31587800 | Shares Floating 29364645 | ||
Percent Insiders 7.46 | Percent Institutions 92.75 |
Analyst Ratings
Rating 3 | Target Price 66.38 | Buy 1 | Strong Buy 3 |
Buy 1 | Strong Buy 3 | ||
Hold 4 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Customers Bancorp Inc
Company Overview
History and Background
Customers Bancorp, Inc. was founded in 1997. Initially focused on serving small businesses, it has grown to offer a range of commercial and consumer banking services. Significant milestones include expansion into new markets and the development of its digital banking platform.
Core Business Areas
- Commercial Banking: Provides lending, deposit, and cash management services to small and medium-sized businesses, as well as larger corporations.
- Consumer Banking: Offers deposit accounts, mortgage loans, and other consumer financial products to individuals and families.
- FinTech: Delivers digital banking solutions and payment processing services through its Customers Bank brand.
Leadership and Structure
Jay Sidhu serves as Chairman. Sam Sidhu is the current President and CEO. The organizational structure includes various executive teams overseeing different business lines and support functions.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial real estate projects. Market share is estimated to be under 1%, with competitors including regional and national banks like PNC, USB and Bank of America. Revenue contribution is significant, representing a large part of the Bank's loan portfolio. Data is limited.
- Small Business Lending: Offers loans and lines of credit to small businesses. Market share is also estimated to be under 1%, competing with national banks and online lenders like JP Morgan Chase, Wells Fargo, and PayPal. Revenue contribution is significant, representing a large part of the Bank's loan portfolio. Data is limited.
- Digital Banking Platform: Offers a user-friendly online and mobile banking experience. Customers Bank has expanded rapidly in this sector. Competitors include SoFi, Ally Bank and Capital One. Data on Customer Base and market share is limited.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, regulatory changes, and technological advancements, especially in the FinTech sector. Competition is intense, with both traditional banks and new digital players vying for market share.
Positioning
Customers Bancorp positions itself as a tech-forward bank with a focus on providing personalized service to its customers. Its competitive advantages include its digital banking platform and its strong relationships with small and medium-sized businesses.
Total Addressable Market (TAM)
The TAM for commercial banking in the US is estimated to be several trillion dollars. Customers Bancorp is positioned to capture a small but growing share of this market by focusing on niche segments and leveraging its digital capabilities.
Upturn SWOT Analysis
Strengths
- Strong Digital Banking Platform
- Experienced Management Team
- Focus on Small and Medium-Sized Businesses
- Strong presence in its regional markets
Weaknesses
- Smaller scale compared to larger national banks
- Limited brand recognition outside its core markets
- Dependence on commercial lending
Opportunities
- Expansion into new markets through digital channels
- Growth in the FinTech sector
- Strategic acquisitions of smaller banks or FinTech companies
- Increased demand for digital banking services
Threats
- Rising interest rates
- Increased regulatory scrutiny
- Competition from larger national banks and FinTech companies
- Economic downturn
Competitors and Market Share
Key Competitors
- PNC
- USB
- ALLY
- Capital One
Competitive Landscape
Customers Bancorp competes with larger national banks and online lenders. Its advantages include its digital platform and personalized service, but it faces challenges due to its smaller scale and limited brand recognition. They need to expand their markets
Growth Trajectory and Initiatives
Historical Growth: Analysis needs to be performed on historical financial data. Analyze revenue growth and earnings growth over the past 5-10 years.
Future Projections: Analyst estimates are not available and require the creation of a full-scale financial model.
Recent Initiatives: Requires continuous monitoring of press releases and company announcements. A comprehensive analysis needs to be based on recent news.
Summary
Customers Bancorp has positioned itself well with its focus on digital banking and SMB clients. Its strengths are its technology platform and its client relationships. CUBI is smaller than national banks and limited brand recognition are weaknesses, however. Strategic acquisitions could significantly enhance its growth trajectory.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Research Reports (where available)
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It is not financial advice. Market share data is estimated. Financial figures are not provided.
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 787 | Website https://www.customersbank.com |
Full time employees 787 | 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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