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CUBI · Customers Bancorp, Inc.

$78.66 -0.93 (-1.17%) At close · Jul 29
Market Cap
$2.66B
Shares
33.83M

Price & Indicators

20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$78.66 Open$78.63 Day$78.25–79.46 52W$59.34–82.56 Avg vol 30d344K Short int2.4M · 7.0% float · 7.1d Short vol71% Last earningsOct 24, 2026 DataJan 2020–Jul 2026 Filing10-Q · May 8

Up next

Next earnings call
Oct 24, 2026 Scheduled · in 12 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
filed May 8, 2026

AI Brief

TL;DR.

Bullish
    Bearish

      AI-generated from the earnings call and 8-K · may contain errors · not investment advice

      Ask ALVIS about this →

      Equibles Rating

      blended score · not investment advice
      Overall
      Buy
      SellHoldBuy
      Technical Buy Momentum Neutral Sentiment Bearish Fundamentals Excellent Quant / Vol Moderate
      Market backdrop VIX 20.7 · elevated Equity put/call 0.61
      Technical
      price trend
      Buy
      50 / 200-day cross No cross
      Price vs 200-day avg +8%
      above
      Price vs 50-day avg +3%
      above
      RSI (14) 55
      neutral
      MACD trend Positive
      52-week position 83%
      mid-range
      Momentum
      relative strength
      Neutral
      1-month return −1%
      trailing
      6-month return 0%
      trailing
      YTD return +8%
      this year
      Relative strength −6%
      vs S&P · 6-mo
      Sentiment
      smart money
      Bearish
      Trend (MA cross) No cross
      50d $77 › 200d $73 — 50d above 200d
      Institutional flow Distributing
      61 of 280 funds reported for Jun 30 · net -205.0K sh shares · +8 new
      Insider flow Distributing
      Net -$8.3M over 90 days · 75% sells
      Short interest Rising
      7.01% of float · ▲ +1.7% MoM · 7.1 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      280 holders — near 3-yr high, broad support
      Squeeze score 72
      high risk · 0–100
      Fundamentals
      Excellent
      Revenue growth −14%
      Y/Y
      EPS growth +23%
      Y/Y
      Free cash flow $481.0M
      Valuation P/E 9.9
      below peers
      Buyback $100.0M
      authorized
      Balance sheet $4.4B
      net cash
      Quant / Vol
      risk profile
      Moderate
      Volatility 32%
      annualized · 1-yr
      Max drawdown −20%
      past year
      ATR 2.4%
      of price · 14-day

      Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

      Guidance & track record

      Latest guidance · from the Earnings Call filed Dec 31, 2025
      Loan growth · 2026 Initiated 8% – 12%
      Deposit growth net of remixing · 2026 Initiated 8% – 12%
      Net interest income · 2026 Initiated $800M – $830M
      Noninterest expenses · 2026 Initiated $440M – $460M
      Common equity Tier 1 · 2026 Initiated 11.5% – 12.5%
      Effective tax rate · 2026 Initiated 23% – 25%

      Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

      Technicals

      trend & momentum for long-term holders Buy
      0 · 3 · 3
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      +8% Bullish
      Price vs 50-day avg
      +3% Bullish
      RSI (14)
      55 Neutral
      MACD trend
      Positive Bullish
      52-week position
      83% Neutral
      Market signals — smart money & positioning
      Bearish · 3 of 6
      Trend (MA cross) No cross
      50d $77 › 200d $73 — 50d above 200d
      Institutional flow Distributing
      61 of 280 funds reported for Jun 30 · net -205.0K sh shares · +8 new
      Insider flow Distributing
      Net -$8.3M over 90 days · 75% sells
      Short interest Rising
      7.01% of float · ▲ +1.7% MoM · 7.1 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      280 holders — near 3-yr high, broad support
      Price context
      position in its 52-week range
      52-wk low $59 Now $79 · 83% 52-wk high $83
      vs 200-day avg +8% vs 50-day avg +3%

      Illustrative technical + ownership context — a signal mix, not investment advice.

      Key metrics

      the company's own KPIs, from its earnings releases, calls, and filings
      Metric Latest Period YoY
      cubiX cumulative network transaction volume $5 Q2 2026
      Commercial accounts net increase 1,167 Q1 2026
      Total deposits growth 3.9% Q1 2026
      Total loans and leases growth 3.6% Q1 2026
      Core earnings non-GAAP $254,473K Twelve Months Ended December 31, 2025
      Core earnings per share - diluted non-GAAP $7.61 Twelve Months Ended December 31, 2025
      Core efficiency ratio non-GAAP 49.62% Twelve Months Ended December 31, 2025
      Core ROAA non-GAAP 1.13% Twelve Months Ended December 31, 2025
      Core ROCE non-GAAP 13.65% Twelve Months Ended December 31, 2025
      Tangible book value per common share non-GAAP $61.77 Q4 2025

      Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file

      Versus peers

      Banks - Regional — same industry group
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      CUBI
      Customers Bancorp, Inc.
      this stock
      $2.66B +7.6% -14.0% 9.9 7.0%
      HDB
      Hdfc Bank Ltd
      $123.39B -34.2% +15.2% 0.4%
      MFG
      Mizuho Financial Group Inc
      $119.51B +34.0% 0.1%
      IBN
      Icici Bank Ltd
      $106.74B -0.1% 0.6%
      PNC
      Pnc Financial Services Group, Inc.
      $99.78B +20.0% +7.2% 14.4 1.7%

      Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

      At a glance

      key data from every section
      Ownership
      Institutional Holders Reducing
      Holders
      285
      % held
      97.4%
      Reported
      61 of 280
      Top holder
      BlackRock, Inc.
      Held Float
      View
      Held by Funds
      Fund positions
      342
      View
      Short & Settlement
      Short Interest Rising
      Shares short
      2.4M
      Days to cover
      7.1d
      Change
      +40.4K sh
      View
      Short Volume
      Short vol %
      71%
      As of
      Jul 29, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      55
      Value
      $4.4K
      As of
      Jun 30, 2026
      View
      Off-Exchange
      Off-exchange %
      42.9%
      Week of
      May 4, 2026
      Off-exch Lit
      View
      Smart Money
      Insider Trades Net selling
      Net (90d)
      -$8.3M
      Buyers / Sellers
      1 / 3
      Buyers Sellers
      View
      Financials
      Financials
      Net income (FY)
      $224.1M
      EPS diluted
      $6.26
      View
      Buybacks
      Authorized
      $100.0M
      View
      Filings
      SEC Filings
      Latest
      8-K
      Filed
      Jul 27, 2026
      This year
      17
      View
      Proposed Sales
      Value
      $7.9M
      Shares
      100.0K
      Filed
      Jul 29, 2026
      View
      Earnings & Events
      Earnings Calls Upcoming
      Next call
      Oct 24, 2026
      Last call
      Jul 23, 2026
      View
      Investor Relations
      Upcoming events
      1
      View

      Performance

      5D 20D 120D MTD YTD
      CUBI +2.8% -0.6% +0.4% -0.6% +7.6%
      SPY -2.4% -2.3% +6.3% -2.3% +7.0%
      vs SPY +5.2% +1.8% -5.9% +1.8% +0.6%

      Capital returns

      Buyback program · as of Feb 11, 2026
      Authorized
      $100.00M
      Spent (derived)
      Remaining

      Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

      Key facts CIK 1488813 CUSIP 23204G100 13F (30d) 58 filings 58 filers Visit website Investor relations