CUBI
Customers Bancorp, Inc.
Next earnings Jul 22, 2026 · consensus $2.08 EPS, $217M rev
Last earnings +1.1% on 2026-04-23
$81.01
▲ +1.96%$81.01▲ +50.27%
over 1Y
L $53.91EODHDH $81.21
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+2.0%
1W+6.3%
1M+6.4%
3M+19.7%
YTD+8.7%
1Y+50.3%
Sell
Conviction
Horizon
Medium (3–12mo)
Street · 17 analysts
Buy
Strong net margin (557.5%); but revenue fell -14.0% YoY.
Revenue (FY2020) $40.2M · FY2020
The read
It screens cheap (~27% below fair value), but the weak fundamentals are why — more potential value trap than bargain.
Customers Bancorp, Inc. shows $40.2M in FY2020 revenue (-14.0% YoY), a 557.5% net margin, and 10.6% ROE.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $315M | $228M | $250M | $181M | $224M |
| Diluted EPS | $8.91 | $6.51 | $7.32 | $5.09 | $6.26 |
| Net margin | — | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF5.8
PEG (trailing)0.55
Earnings yield8.1%
FCF yield17.4%
Quality & risk
ROIC (est.)—
Free cash flow$481M
Total debt$0.00
Net cash$4.41B
Piotroski F-Score5/7
Capital returns
Buyback yield0.2%
Dividend yield (est.)—
Shareholder yield0.2%
Shares Δ YoY+8.7%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗S-8Filing2026-06-26open ↗4Period ending 2026-06-152026-06-16open ↗4Period ending 2026-06-152026-06-16open ↗4Period ending 2026-06-152026-06-16open ↗4Period ending 2026-06-152026-06-16open ↗4Period ending 2026-06-152026-06-16open ↗4Period ending 2026-06-152026-06-16open ↗4Period ending 2026-06-152026-06-16open ↗4Period ending 2026-06-152026-06-16open ↗4Period ending 2026-06-152026-06-16open ↗4Period ending 2026-06-152026-06-16open ↗4Period ending 2026-06-152026-06-16open ↗
Frequently asked
- Is Customers Bancorp, Inc. (CUBI) a buy?
- CUBI currently carries a Sell rating with 2/5 conviction, derived from its latest SEC filings. Strong net margin (557.5%); but revenue fell -14.0% YoY.
- What is CUBI's fair value?
- A Modified-Graham model based on CUBI's SEC fundamentals estimates a fair value of about $102.79. It is an estimate from reported earnings, not a price target.
- Is CUBI overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, CUBI currently appears undervalued relative to its SEC-grounded earnings power.
- What is Customers Bancorp, Inc.'s quality score?
- CUBI scores 67.41176470588235/100 (grade B-) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0001488813, latest 10-Q filed 2026-05-08) · EODHD · as of 6/26/2026, 1:08:32 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.