CUBI
NEUTRAL
$74.38
Live
Customers Bancorp, Inc. · NYSE
Target $88.73
(+19.3%)
$48.63
52W Range
$82.56
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 26, 2026
Market cap
$2.51B
P/E
9.37
ROE
14.0%
Profit margin
34.8%
Debt/Equity
N/A
Dividend yield
N/A
AI Analysis
AI-powered fundamental assessment
Confidence
80%
CUBI presents a stark contradiction between explosive growth and deteriorating fundamental health. While the Piotroski F-Score of 2/9 indicates significant weakness in financial health, the stock is fundamentally undervalued, trading well below its Graham Number ($105.14) and Intrinsic Value ($234.23). Massive YoY earnings growth (579.30%) and a low P/E of 9.37 provide a strong value proposition, but the bearish technical trend (10/100) and poor health score suggest high risk. The overall outlook is neutral until the underlying health metrics stabilize.
Key Strengths
Exceptional YoY earnings growth of 579.30%
Strong revenue growth (76.40% YoY)
Attractive valuation with a P/E of 9.37 and Forward P/E of 7.94
Trading at a significant discount to Graham Number ($105.14)
Consistent track record of beating earnings estimates (3/4 last quarters)
Key Risks
Critical financial health warning indicated by Piotroski F-Score of 2/9
Strongly bearish technical trend (10/100)
Lack of dividend income and low dividend strength (0/100)
Low insider sentiment (40/100) with no recent buy activity
Regional bank sector volatility and sensitivity to interest rate shifts
AI Fair Value Estimate
Based on comprehensive analysis
$98.5
+32.4% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
54
Moderate
90
85
75
20
0
AI Verdict
High-Risk Value Play
Key drivers: Extreme earnings growth, Deep valuation discount, Poor fundamental health score
Confidence
85%
Value
90/100
Ref P/E 9.37, PEG 1.18, Graham Number $105.14
Positives
- P/E well below sector average
- Price < Graham Number
- Low Price/Book (1.20)
Watchpoints
- Market pricing in health risks
Future
85/100
Ref 579.30% Earnings Growth
Positives
- Massive YoY revenue and earnings acceleration
- Positive analyst target price ($88.73)
Watchpoints
- Recent Q/Q EPS growth dip (-4.4%)
Past
75/100
Ref 3Y Change +321.4%
Positives
- Strong 3Y and 5Y price appreciation
- Consistent earnings beat history
Watchpoints
- Recent short-term technical decline
Health
20/100
Ref Piotroski F-Score 2/9
Positives
- Positive ROE (14.01%)
Watchpoints
- Piotroski F-Score of 2/9 is critically weak
- Lack of available Altman Z-Score for bankruptcy risk assessment
Dividend
0/100
Ref Dividend Strength 0/100
Positives
No standout positives identified.
Watchpoints
- No dividend yield
- 0% payout ratio
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$74.38
Analyst Target
$88.73
Upside/Downside
+19.3%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for CUBI and closest competitors.
Updated 2026-04-24
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
CUBI
Customers Bancorp, Inc.
Primary
|
+130.3% | +321.4% | +47.8% | +6.1% | +7.2% | -3.9% |
|
BBUC
Brookfield Business Corporation
Peer
|
+0.1% | +62.8% | +52.8% | +10.6% | -3.1% | -2.6% |
|
FRME
First Merchants Corporation
Peer
|
+7.1% | +50.5% | +20.0% | +11.4% | +6.6% | -1.2% |
|
TBBK
The Bancorp, Inc.
Peer
|
+162.3% | +122.0% | +16.5% | -26.4% | +10.3% | -6.1% |
|
SLDE
Slide Insurance Holdings, Inc.
Peer
|
-3.1% | -3.1% | -3.1% | +33.7% | +10.6% | +9.1% |
CUB
Customers Bancorp, Inc.
Primary
5Y
+130.3%
3Y
+321.4%
1Y
+47.8%
6M
+6.1%
1M
+7.2%
1W
-3.9%
BBU
Brookfield Business Corporation
Peer
5Y
+0.1%
3Y
+62.8%
1Y
+52.8%
6M
+10.6%
1M
-3.1%
1W
-2.6%
FRM
First Merchants Corporation
Peer
5Y
+7.1%
3Y
+50.5%
1Y
+20.0%
6M
+11.4%
1M
+6.6%
1W
-1.2%
TBB
The Bancorp, Inc.
Peer
5Y
+162.3%
3Y
+122.0%
1Y
+16.5%
6M
-26.4%
1M
+10.3%
1W
-6.1%
SLD
Slide Insurance Holdings, Inc.
Peer
5Y
-3.1%
3Y
-3.1%
1Y
-3.1%
6M
+33.7%
1M
+10.6%
1W
+9.1%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
9.37
Forward P/E
7.94
PEG Ratio
1.18
P/B Ratio
1.2
P/S Ratio
3.1
EV/Revenue
-0.48
EV/EBITDA
N/A
Market Cap
$2.51B
Profitability
Profit margins and return metrics
Profit Margin
34.76%
Operating Margin
48.7%
Gross Margin
N/A
ROE
14.01%
ROA
1.16%
Growth
Revenue and earnings growth rates
Revenue Growth
+76.4%
Earnings Growth
+579.3%
Q/Q Revenue Growth
+53.81%
Q/Q Earnings Growth
+439.4%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$142.41
Quarterly Earnings History
EPS performance vs analyst estimates
2026-07-23
$N/A
2026-04-23
$1.97
+4.4% surprise
2026-01-22
$2.06
+0.8% surprise
2025-10-23
$2.2
+14.0% surprise
Financial Services Sector Comparison
Comparing CUBI against 693 companies in the Financial Services sector
(118 bullish, 285 neutral, 290 bearish)
P/E Ratio
9.37
This Stock
vs
38.68
Sector Avg
-75.8%
(Discount)
Return on Equity (ROE)
14.01%
This Stock
vs
-2.84%
Sector Avg
-592.5%
(Below Avg)
Profit Margin
34.76%
This Stock
vs
59.37%
Sector Avg
-41.5%
(Weaker)
Revenue Growth
76.4%
This Stock
vs
40.21%
Sector Avg
+90.0%
(Fast Growth)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
CUBI
Customers Bancorp, Inc.
|
NEUTRAL | $2.51B | 9.37 | 14.0% | 34.8% | $74.38 | |
|
BBUC
Brookfield Business Corporation
|
BEARISH | $2.48B | - | -63.5% | -13.9% | $35.42 | Compare |
|
FRME
First Merchants Corporation
|
NEUTRAL | $2.56B | 10.62 | 9.5% | 35.2% | $40.36 | Compare |
|
TBBK
The Bancorp, Inc.
|
NEUTRAL | $2.44B | 12.3 | 30.8% | 43.4% | $57.91 | Compare |
|
SLDE
Slide Insurance Holdings, Inc.
|
BULLISH | $2.44B | 5.84 | 57.4% | 38.4% | $19.63 | Compare |
CUBI
Customers Bancorp, Inc.
NEUTRAL
Mkt Cap
$2.5B
P/E
9.4
ROE
14.0%
Price
$74.38
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-04-06 | SIDHU SAMVIR S | Chief Executive Officer | Stock Award | 37,136 | $2,662,651 |
| 2026-04-06 | SIDHU JAY S | Chairman of the Board | Stock Award | 51,626 | $3,701,584 |
| 2026-03-16 | ZUCKERMAN STEVEN J | Director | Stock Award | 953 | $61,678 |
| 2026-03-16 | ALLON ANDREA R. | Director | Stock Award | 625 | $40,450 |
| 2026-03-16 | GILL MIKE | Director | Stock Award | 625 | $40,450 |
| 2026-03-16 | BUFORD ROBERT J | Director | Stock Award | 895 | $57,924 |
| 2026-03-16 | WAY T LAWRENCE | Director | Stock Award | 895 | $57,924 |
| 2026-03-16 | MACKAY ROBERT NEIL | Director | Stock Award | 895 | $57,924 |
| 2026-03-16 | KRASNE ROBERT MORRIS | Director | Stock Award | 895 | $57,924 |
| 2026-03-16 | LOONEY SUSAN DIANE | Director | Stock Award | 625 | $40,450 |
| 2026-03-16 | SIRMANS DALTON TALLEY | Director | Stock Award | 760 | $49,187 |
| 2026-03-16 | BANKS BERNARD BENNETT | Director | Stock Award | 934 | $60,448 |
| 2026-03-16 | ROTHERMEL DANIEL K | Director | Stock Award | 625 | $40,450 |
| 2026-03-13 | VELASQUEZ JESSIE JOHN DEANO | Officer | Stock Award | 1,206 | $78,052 |
| 2025-12-31 | SIDHU JAY S | Chairman of the Board | Gift | 1,552 | $113,917 |
SIDHU SAMVIR S
Chief Executive Officer
2026-04-06
37,136 shares
·
$2,662,651
SIDHU JAY S
Chairman of the Board
2026-04-06
51,626 shares
·
$3,701,584
ZUCKERMAN STEVEN J
Director
2026-03-16
953 shares
·
$61,678
ALLON ANDREA R.
Director
2026-03-16
625 shares
·
$40,450
GILL MIKE
Director
2026-03-16
625 shares
·
$40,450
BUFORD ROBERT J
Director
2026-03-16
895 shares
·
$57,924
WAY T LAWRENCE
Director
2026-03-16
895 shares
·
$57,924
MACKAY ROBERT NEIL
Director
2026-03-16
895 shares
·
$57,924
KRASNE ROBERT MORRIS
Director
2026-03-16
895 shares
·
$57,924
LOONEY SUSAN DIANE
Director
2026-03-16
625 shares
·
$40,450
SIRMANS DALTON TALLEY
Director
2026-03-16
760 shares
·
$49,187
BANKS BERNARD BENNETT
Director
2026-03-16
934 shares
·
$60,448
ROTHERMEL DANIEL K
Director
2026-03-16
625 shares
·
$40,450
VELASQUEZ JESSIE JOHN DEANO
Officer
2026-03-13
1,206 shares
·
$78,052
SIDHU JAY S
Chairman of the Board
2025-12-31
1,552 shares
·
$113,917
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
11 analysts
JP Morgan
2026-04-01
Overweight
Overweight
Morgan Stanley
2026-03-31
Equal-Weight
Equal-Weight
Stephens & Co.
2026-03-16
Underweight
Equal-Weight
JP Morgan
2026-03-06
Overweight
Morgan Stanley
2026-03-02
Equal-Weight
Equal-Weight
DA Davidson
2026-01-26
Buy
Buy
Morgan Stanley
2025-12-08
Equal-Weight
Stephens & Co.
2025-10-28
Equal-Weight
Equal-Weight
Past News Coverage
Recent headlines mentioning CUBI from our newsroom.
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