Stocks · Financial Services · Banks - Regional
Customers Bancorp, Inc 5.375% S CUBB
$20.78 -0.19% Close, Oct 2, 2026 · NYSE · Market cap $710.0M
Weak trendInexpensive vs sectorLow risk
Next earnings report: Oct 28, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $8.20, up 103.0% year over year.
- The diluted share count rose 9.3% in a year.
- The stock is in a downtrend: below its 200-day average, with the 50-day average below the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 41%
- EPS growth (TTM, YoY)Top 12%
- FCF growth (TTM, YoY)Bottom 25%
- Revenue growth, 3-year CAGRBottom 48%
- Revenue growth accelerationBottom 13%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 38%
- Gross marginBottom 20%
- Operating marginBottom 33%
- Cash conversion (OCF / net income)Top 39%
- Accruals (lower is better)Top 48%
- Net debt / EBITDA (lower is better)Top 3%
- Interest coverBottom 19%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 3%
- Free-cash-flow yieldTop 5%
- P/E vs own 5-year history (lower is better)Top 26%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 31%
- 6-month returnBottom 13%
- 1-year return vs S&P 500Bottom 30%
- Distance from 52-week highBottom 39%
- Trend checklist (0–4)Bottom 9%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 49%
- Consecutive EPS beatsTop 42%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 21%
- Maximum drawdown, 3 yearsTop 22%
- Beta vs S&P 500 (lower is better)Top 20%
- Net debt / EBITDA (lower is better)Top 3%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 18.2% | 4.0% | ↓ |
| EPS growth (YoY) | 98.5% | 103.0% | ↑ |
| Gross margin | 43.0% | 47.2% | ↑ |
| Operating margin | 13.6% | 15.0% | ↑ |
| FCF margin | 33.0% | 27.9% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 4.0% | 18.2% | ↓ | Bottom 41% |
| EPS growth (TTM, YoY) | 103.0% | 98.5% | ↑ | Top 12% |
| Gross margin | 47.2% | 43.0% | ↑ | Bottom 20% |
| Operating margin | 15.0% | 13.6% | ↑ | Bottom 33% |
| Net margin | 22.1% | 11.6% | ↑ | — |
| Free-cash-flow margin | 27.9% | 33.0% | ↓ | — |
| Return on invested capital | 3.2% | — | Top 38% | |
| Revenue growth, 3-year CAGR | 14.1% | — | Bottom 48% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.31×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.3%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.6%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -9.76×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.3×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.28%
- Net buyback yield (TTM)
- 5.27%
- Shareholder yield
- 5.55%
- Share count change, 1 year
- +9.3%
- Share count change, 3-year CAGR
- +3.9%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 2
- Beats in the last 8 reports
- 4 of 8
- Average EPS surprise, last 4
- +5.0%
- Average 2-day reaction, last 8
- -0.2%
- Positive 20 days after report
- 4 of 8
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | +2.5% | +0.0% | -0.6% | -1.5% | — |
| Apr 23, 2026 | +4.2% | +0.1% | -1.1% | -2.2% | -4.3% |
| Jan 22, 2026 | -2.5% | +0.0% | -0.2% | +1.1% | +1.7% |
| Oct 23, 2025 | +15.8% | -0.9% | +1.4% | +3.7% | +8.0% |
| Jul 24, 2025 | +13.1% | -0.4% | +0.0% | +3.7% | +1.6% |
| Apr 24, 2025 | -77.7% | +1.7% | +3.4% | +4.8% | +6.1% |
| Jan 23, 2025 | -40.3% | -2.2% | -2.0% | -0.1% | -7.3% |
| Oct 31, 2024 | -8.4% | +0.4% | -1.0% | -2.7% | -2.6% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $2.05 | $2.00 | +2.5% | $227.3M |
| Apr 23, 2026 | $1.97 | $1.89 | +4.2% | $225.4M |
| Jan 22, 2026 | $1.98 | $2.03 | -2.5% | $236.9M |
| Oct 23, 2025 | $2.20 | $1.90 | +15.8% | $231.8M |
| Jul 24, 2025 | $1.73 | $1.53 | +13.1% | $206.8M |
| Apr 24, 2025 | $0.29 | $1.30 | -77.7% | $195.1M |
| Jan 23, 2025 | $0.71 | $1.19 | -40.3% | $193.5M |
| Oct 31, 2024 | $1.31 | $1.43 | -8.4% | $167.5M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 2.5× | 2.7× | 29th | Top 3% |
| P/E (forward) | 2.5× | — | — | — |
| Free-cash-flow yield | 51.81% | — | — | Top 5% |
| Earnings yield | 39.46% | — | — | Top 3% |
P/E over the past five years
Range 1.8× – 5.2× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -3.1%
- Earnings per share growth (TTM)
- +103.0%
- Change in P/E multiple
- -47.7%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -1.2%
- 200-day average slope (20 days)
- -0.1%
- Distance from 50-day average
- -4.8%
- Distance from 200-day average
- -6.6%
- RSI (14)
- 32.7
- Relative volume
- 0.97×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 12.4%
- Volatility vs own 5-year history
- 16th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.22
- Correlation with S&P 500
- 0.31
- Current drawdown from 1-year high
- -13.0%
- Maximum drawdown, 3 years
- -15.9%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Aug 30, 2021 | Mar 24, 2023 | -48.2% | 394 days | Not yet recovered |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $710.0M
- P/E (TTM)
- 2.5
- EPS, diluted (TTM)
- $8.20
- Revenue (TTM)
- $1.32B
- Dividend yield
- 6.47%
- 52-week range
- $20.35 – $23.99
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $857.9M | $925.9M | $1.43B | $1.39B | $1.38B |
| Gross profit | $734.7M | $604.2M | $675.2M | $641.4M | $669.0M |
| Operating income | $441.2M | $291.3M | $330.7M | $224.4M | $288.4M |
| Net income | $314.6M | $228.0M | $250.1M | $181.5M | $224.1M |
| EPS (diluted) | $10.08 | $6.51 | $7.32 | $5.09 | $6.26 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $340.7M | $329.5M | $239.1M | $357.6M | $391.7M | $387.7M | $369.9M | $167.9M |
| Net income | $46.7M | $26.9M | $12.9M | $60.9M | $75.7M | $74.5M | $69.7M | $71.6M |
| EPS (diluted) | $1.31 | $0.71 | $0.29 | $1.73 | $2.20 | $1.98 | $1.97 | $2.05 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $295.5M | -$20.8M | $124.7M | $145.1M | $494.8M |
| Capital expenditure | -$47.1M | -$4.0M | -$41.3M | -$1.5M | -$13.7M |
| Free cash flow | $248.5M | -$24.9M | $83.4M | $143.6M | $481.0M |
| Dividends paid | $0 | -$9.3M | -$14.6M | -$15.1M | $0 |
| Net share buybacks | -$82.4M | -$32.6M | -$36.7M | -$22.9M | $17.7M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $7.44B
- Total assets
- $26.52B
- Total liabilities
- $24.32B
- Total debt
- $2.23B
- Net debt
- -$1.95B
- Shareholders’ equity
- $2.21B
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 15, 2026 | $0.34 | Sep 30, 2026 |
| Jun 15, 2026 | $0.34 | Jun 30, 2026 |
| Mar 13, 2026 | $0.34 | Mar 30, 2026 |
| Dec 15, 2025 | $0.34 | Dec 30, 2025 |
| Sep 15, 2025 | $0.34 | Sep 30, 2025 |
| Jun 13, 2025 | $0.34 | Jun 30, 2025 |
| Mar 14, 2025 | $0.34 | Mar 31, 2025 |
| Dec 13, 2024 | $0.34 | Dec 30, 2024 |
Short interest
- Shares sold short
- 760
- Days to cover
- 1.00
- Change vs previous report
- +94.9%
FINRA short interest, settlement date Sep 15, 2026.