Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial - Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
CUBI 
Customers Bancorp Inc (CUBI)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- 1Y
- 1M
- 1W
Upturn Advisory Summary
12/02/2025: CUBI (1-star) is currently NOT-A-BUY. Pass it for now.
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
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $84.75
1 Year Target Price $84.75
| 3 | Strong Buy |
| 1 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 81.3% | Avg. Invested days 36 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 12/02/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.34B USD | Price to earnings Ratio 13.79 | 1Y Target Price 84.75 |
Price to earnings Ratio 13.79 | 1Y Target Price 84.75 | ||
Volume (30-day avg) 8 | Beta 1.62 | 52 Weeks Range 40.75 - 72.51 | Updated Date 12/2/2025 |
52 Weeks Range 40.75 - 72.51 | Updated Date 12/2/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 4.96 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 27.07% | Operating Margin (TTM) 52.95% |
Management Effectiveness
Return on Assets (TTM) 0.77% | Return on Equity (TTM) 8.99% |
Valuation
Trailing PE 13.79 | Forward PE 8.86 | Enterprise Value -244073536 | Price to Sales(TTM) 3.58 |
Enterprise Value -244073536 | Price to Sales(TTM) 3.58 | ||
Enterprise Value to Revenue 5.44 | Enterprise Value to EBITDA - | Shares Outstanding 34168077 | Shares Floating 32012413 |
Shares Outstanding 34168077 | Shares Floating 32012413 | ||
Percent Insiders 7.35 | Percent Institutions 92.66 |
Upturn AI SWOT
Customers Bancorp Inc
Company Overview
History and Background
Customers Bancorp, Inc. was founded in 1997. It has grown through acquisitions and organic expansion, focusing on serving businesses and affluent individuals. It has expanded geographically and into niche banking segments.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit products to businesses, including commercial real estate loans, business term loans, and lines of credit.
- Consumer Banking: Offers deposit products, residential mortgages, and other consumer loans to individuals and families.
- Fintech and Payments: Focuses on providing banking-as-a-service solutions and digital payment platforms.
Leadership and Structure
Jay Sidhu serves as Chairman. Sam Sidhu is the Chief Executive Officer. The organizational structure includes various departments responsible for lending, risk management, technology, and operations.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties, providing financing for acquisition, development, and refinancing. Market share data is difficult to obtain precisely, but competition includes regional and national banks such as PNC and Bank of America.
- Residential Mortgages: Competitors include Wells Fargo and Chase.
- Business Term Loans: Loans with fixed or variable interest rates and repayment terms tailored to businesses' needs. Market share is fragmented, with competition from numerous regional and national banks, as well as online lenders.
- Competitors: Competitors include online lenders such as Kabbage and Funding Circle.
- Banking-as-a-Service: A fintech offering that enables other companies to integrate banking functionality into their platforms. Market share is growing rapidly, with competition from firms like Green Dot and Marqeta.
- Competitors: Competitors include Green Dot and Marqeta.
Market Dynamics
Industry Overview
The banking industry is currently experiencing increased competition, rising interest rates, regulatory changes, and technological advancements.
Positioning
Customers Bancorp positions itself as a technologically advanced, customer-centric bank focused on serving businesses and affluent individuals. Its competitive advantages include its digital banking platform and focus on niche markets.
Total Addressable Market (TAM)
The total addressable market for banking services is several trillion dollars. Customers Bancorp is positioned to capture a small but significant share of this TAM through its focus on specific segments and technological capabilities.
Upturn SWOT Analysis
Strengths
- Strong technology platform
- Experienced management team
- Focus on niche markets
- Customer-centric approach
Weaknesses
- Relatively small size compared to major national banks
- Geographic concentration
- Reliance on commercial real estate lending
Opportunities
- Expansion into new geographic markets
- Development of new fintech products
- Acquisition of smaller banks
- Increased demand for digital banking services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- PNC
- BOKF
- UMPQ
Competitive Landscape
Customers Bancorp competes with larger national and regional banks, as well as online lenders. Its competitive advantages include its focus on niche markets and its technology platform. However, it is smaller than many of its competitors.
Major Acquisitions
Muhlenberg Financial Corp
- Year: 2007
- Acquisition Price (USD millions): 134.8
- Strategic Rationale: Expansion into the Berks County market and diversification of revenue streams.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic expansion and strategic acquisitions. Growth rates depend on past performance and are available in financial reports.
Future Projections: Future growth projections depend on analyst estimates and depend on the latest financials and forecasts.
Recent Initiatives: Recent initiatives include investments in fintech and digital banking platforms, expansion into new geographic markets, and strategic partnerships.
Summary
Customers Bancorp is a mid-sized bank with a strong focus on technology and niche markets. Its strengths include its digital banking platform and customer-centric approach. Challenges include competition from larger banks and economic uncertainties. Strategic initiatives and acquisitions are important for future growth.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
- Market Data Providers
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is based on estimates and may vary. Financial data should be verified through official SEC filings and independent analysis.
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 850 | Website https://www.customersbank.com |
Full time employees 850 | 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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.