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Pennsylvania-based bank known for banking-as-a-service and instant-payments partnerships with fintech and digital-asset clients.
Pennsylvania-based bank known for banking-as-a-service and instant-payments partnerships with fintech and digital-asset clients.
Earns the spread between loan yields and funding costs, with commercial lending including loans to mortgage companies and funds a large part, while deposits from fintech and digital-asset firms using its payment rails supply funding and fee income.
Moat: narrow (process know-how, switching costs). Early instant-payments and fintech-partner banking infrastructure is costly for rivals to rebuild.
Headquarters: Malvern, Pennsylvania, US · Founded: 2009 · Employees: 863
Size Customers Bancorp (CUBI) is a United States Financials company (Regional Banks) with a market value of $2.82B, the 1587th largest of 3,117 United States companies the cockpit tracks. Shares closed at $84.73 on 6 Nov 2026.
Performance Over six months the shares gained 9.7%, against -2.6% for the median peer and -1.1% for the United States market (cap-weighted) — 3rd highest of 21 in its peer set.
Growth Revenue grew 8.3% over the last twelve months (peer median +0.4%); the operating margin is 40.8% (peer median 36.5%).
Valuation It trades at 1.29× book value against a peer median of 1.02× (6th most expensive of 21).
Price implies The share price implies a return on equity of about 14.7%; Customers Bancorp delivers 13.6%, so the price asks more than the business earns today.
Credit Customers Bancorp has 1 bond outstanding ($100M).
Short interest Short interest is 8.1% of the free float (15 Oct 2026).
Next results Next results expected around 28 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $1.53B | $1.48B | $1.37B | $1.44B | $909M |
| Revenue growth | — | +7% | -4% | +58% | — |
| Net income | $294M | $224M | $181M | $250M | $228M |
| Free cash flow | n/a | $481M | $144M | $124M | -$24.9M |
| Capital expenditure | n/a | $15.2M | $1.49M | $590,000 | $4.05M |
| Total debt | $2.41B | $1.75B | $1.45B | $1.53B | $1.12B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Customers Bancorp CUBI | $2.82B | +10% | +8% | 14% | 1.29× | 14.7% |
| Bancorp TBBK | $1.97B | -15% | -7% | 33% | 2.96× | 26.3% |
| Live Oak Bancshares LOB | $1.57B | -10% | +9% | 11% | 1.30× | 17.1% |
| Pathward Financial CASH | $1.58B | -12% | -1% | 21% | 1.93× | 12.8% |
| Coastal Financial CCB | $653M | -41% | +10% | -1% | 1.37× | 10.8% |
| Axos Financial AX | $5.26B | +7% | +18% | 17% | 1.60× | 16.5% |
| Metropolitan Bank MCB | $1.17B | +5% | +12% | 13% | 1.20× | 11.3% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | CUBI | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +13.6% | +0.1% | highest of 21 |
| 6-month return | +9.7% | -2.6% | 3rd highest of 21 |
| Return on equity | 13.6% | 8.9% | 3rd highest of 21 |
| Price / book | 1.29× | 1.02× | 6th most expensive of 21 |
| Trailing P/E | 10.3× | 11.3× | 7th cheapest of 19 |
| ROE the price implies | 14.7% | 8.0% | most demanding of 19 |
| ROE delivered | 13.6% | 9.1% | 3rd highest of 19 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Customers Bancorp CUBI | United States | $2.82B | +10% | +8% | 14% | 1.29× | 14.7% | 13.6% |
| Banc of California BANC | United States | $2.86B | -6% | -14% | 0% | 1.00× | 8.6% | -0.3% |
| BNK Financial 138930.KS | South Korea | $2.88B | -31% | +10% | 8% | 0.39× | 4.1% | n/a |
| Union Bank of Taiwan 2838.TW | Taiwan | $2.75B | +2% | -9% | 8% | 1.06× | 3.7% | 8.5% |
| Bank of Hawaii BOH | United States | $2.73B | -13% | +1% | 14% | 1.84× | 13.0% | 13.6% |
| Suruga Bank 8358.T | Japan | $2.73B | +10% | +13% | 14% | 1.32× | 8.2% | 13.7% |
| Valiant VATN.SW | Switzerland | $2.93B | -9% | -11% | 6% | 0.86× | n/a | 5.8% |
| Weihai Bank 9677.HK | Hong Kong | $2.70B | +5% | +6% | 9% | 0.64× | 4.5% | 9.2% |
| First Bancorp FBNC | United States | $2.67B | +10% | +14% | 10% | 1.56× | 12.2% | 9.9% |
| Xiamen Bank 601187.SS | China | $2.67B | -13% | 0% | 10% | 0.63× | 3.2% | 10.0% |
| Cembra Money Bank CMBN.SW | Switzerland | $3.03B | -9% | -3% | 15% | 1.93× | 4.1% | 14.7% |
| Dongguan Rural Commercial Bank 9889.HK | Hong Kong | $2.63B | -14% | 0% | 7% | 0.29× | 3.7% | 6.6% |
| First Hawaiian FHB | United States | $3.04B | -9% | +1% | 10% | 1.08× | 9.3% | 9.9% |
| Trustmark TRMK | United States | $2.58B | 0% | -4% | 11% | 1.25× | 9.6% | 11.2% |
| Beacon Financial BBT | United States | $2.57B | +6% | +74% | 9% | 1.02× | 7.9% | 9.1% |
| Banner BANR | United States | $2.55B | +7% | +2% | 10% | 1.20× | 10.1% | 10.0% |
| Walliser Kantonalbank WKBN.SW | Switzerland | $3.15B | +4% | -12% | 5% | 1.50× | n/a | 5.3% |
| UCO Bank UCOBANK.NS | India | $3.17B | -13% | +1% | 9% | 0.86× | 13.6% | n/a |
| North Pacific Bank 8524.T | Japan | $2.50B | +8% | +25% | 7% | 1.02× | 8.1% | 7.1% |
| Bank of Guiyang 601997.SS | China | $3.20B | -3% | -5% | 7% | 0.32× | 2.0% | 6.9% |
| Qingdao Rural Commercial Bank 002958.SZ | China | $2.47B | -2% | -9% | 8% | 0.41× | 2.5% | 7.9% |
Customers Bancorp has 1 bond outstanding with $100M face value.