Upturn unsubscribed user
$1.14/ day, billed weekly
Cancel anytime
(Ad-Free, Unlimited access)​
NO CREDIT CARD REQUIRED
CUBI logo CUBI
Upturn stock rating
CUBI logo

Customers Bancorp Inc (CUBI)

Upturn stock rating
$66.48
Last Close (24-hour delay)
upturn advisory
PASS
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

10/15/2025: CUBI (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

8 Analysts rated it

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

1 Year Target Price $78.75

1 Year Target Price $78.75

Analysts Price Target For last 52 week
$78.75 Target price
52w Low $40.75
Current$66.48
52w High $72.51

Analysis of Past Performance

Type Stock
Historic Profit 81.3%
Avg. Invested days 36
Today’s Advisory PASS
Upturn Star Rating upturn star rating icon
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 4.0
Upturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulation Last Close 10/15/2025

Key Highlights

Company Size Mid-Cap Stock
Market Capitalization 2.13B USD
Price to earnings Ratio 15.42
1Y Target Price 78.75
Price to earnings Ratio 15.42
1Y Target Price 78.75
Volume (30-day avg) 8
Beta 1.56
52 Weeks Range 40.75 - 72.51
Updated Date 10/17/2025
52 Weeks Range 40.75 - 72.51
Updated Date 10/17/2025
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 15.42
Forward PE 8.26
Enterprise Value 72148712
Price to Sales(TTM) 3.58
Enterprise Value 72148712
Price to Sales(TTM) 3.58
Enterprise Value to Revenue 5.73
Enterprise Value to EBITDA -
Shares Outstanding 34151437
Shares Floating 29538870
Shares Outstanding 34151437
Shares Floating 29538870
Percent Insiders 7.61
Percent Institutions 84.94

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. It has grown organically and through strategic acquisitions, focusing on serving small and medium-sized businesses, professionals, and high-net-worth individuals.

business area logo Core Business Areas

  • Commercial Banking: Offers a wide array of lending and deposit products to businesses, including commercial real estate financing, equipment loans, and working capital lines of credit.
  • Consumer Banking: Provides deposit accounts, mortgages, and other loan products to individuals and families.
  • Fintech & Payments: Specializes in blockchain-based payment solutions and digital banking services, catering to tech-forward clients.

leadership logo Leadership and Structure

Jay Sidhu serves as Chairman. Sam Sidhu is the CEO. The company has a traditional hierarchical structure with regional presidents and department heads reporting to the CEO.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Real Estate Loans: Offers financing for commercial properties. No specific market share data available, but competes with regional and national banks such as Fulton Financial Corporation (FULT) and M&T Bank (MTB).
  • Small Business Loans: Provides various loan products for small businesses. Market share data is fragmented, competing with local banks and online lenders like Bank of America (BAC), Wells Fargo (WFC), and PayPal (PYPL).
  • Blockchain-Based Payments: Caters to clients who want to use digital currencies. Customers Bancorp offers its products to businesses that want to accept crypto currencies. Competes with companies such as Circle and Ripple

Market Dynamics

industry overview logo Industry Overview

The banking industry is facing increased competition, regulatory scrutiny, and technological disruption. Interest rate fluctuations and economic conditions significantly impact profitability.

Positioning

Customers Bancorp Inc. positions itself as a tech-savvy, relationship-focused bank catering to businesses and high-net-worth individuals. Its competitive advantages include its fintech solutions and personalized service.

Total Addressable Market (TAM)

The US banking sector's TAM is estimated to be in the trillions of dollars, encompassing all lending and deposit activities. Customers Bancorp Inc. aims to capture a larger share through specialized services and digital innovation.

Upturn SWOT Analysis

Strengths

  • Strong customer relationships
  • Technological innovation
  • Efficient operations
  • Experienced management team

Weaknesses

  • Smaller size compared to national banks
  • Geographic concentration in the Northeast
  • Higher cost of funds than larger competitors

Opportunities

  • Expanding fintech offerings
  • Acquiring smaller banks
  • Entering new geographic markets
  • Increasing demand for digital banking

Threats

  • Increased competition from national banks and fintech companies
  • Rising interest rates
  • Economic downturn
  • Regulatory changes

Competitors and Market Share

competitor logo Key Competitors

  • BAC
  • WFC
  • MTB
  • FULT

Competitive Landscape

Customers Bancorp Inc. competes with large national banks and smaller regional players. Its advantages lie in its fintech capabilities and personalized service, while its disadvantages include its smaller size and geographic concentration.

Major Acquisitions

Waypoint Bank

  • Year: 2014
  • Acquisition Price (USD millions): 82
  • Strategic Rationale: Expanded customer base and geographic reach in the Pennsylvania market.

Growth Trajectory and Initiatives

Historical Growth: Historically, Customers Bancorp Inc. has experienced steady growth through organic expansion and strategic acquisitions.

Future Projections: Analyst estimates vary, but the consensus is for continued growth, driven by fintech initiatives and commercial lending. These are placeholder values and not representative of actual or projected growth rates. Data requires access to a financial database to include.

Recent Initiatives: Recent initiatives include expanding blockchain-based payment solutions and investing in digital banking platforms.

Summary

Customers Bancorp is a regional bank with a growing fintech arm, which is well positioned to capture new markets. Their innovation in the digital payment sector will help drive future revenue. The company is smaller in size compared to its competitors, which may limit its ability to compete on price and services. Customers Bancorp should be wary of rising interest rates and regulatory changes, which could impact its profitability.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company SEC filings
  • Analyst reports
  • Industry publications

Disclaimers:

This analysis is based on publicly available information and should not be considered financial advice. The financial data is illustrative and for representational purposes and requires real-time financial database connectivity for actual data.

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

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

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

Upturn 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.