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Customers Bancorp Inc (CUBI)


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Upturn Advisory Summary
10/15/2025: CUBI (1-star) is currently NOT-A-BUY. Pass it for now.
1 Year Target Price $78.75
1 Year Target Price $78.75
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 ![]() | Stock Returns Performance ![]() |
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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 |
Upturn AI SWOT
Customers Bancorp Inc

Company Overview
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.
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 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
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
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
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.
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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