Stocks · Financial Services · Banks - Regional
Customers Bancorp, Inc. CUBI
$75.47 +1.95% Close, Oct 2, 2026 · NYSE · Market cap $2.55B
High risk
Next earnings report: Oct 22, 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.
- Operating margin widened to 24.5% from 13.4% a year earlier.
- Net debt is 5.2× EBITDA, a high level of leverage.
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)Top 28%
- EPS growth (TTM, YoY)Top 12%
- FCF growth (TTM, YoY)Bottom 20%
- Revenue growth, 3-year CAGRTop 43%
- Revenue growth accelerationTop 47%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 45%
- Gross marginBottom 30%
- Operating marginTop 42%
- Cash conversion (OCF / net income)Top 39%
- Accruals (lower is better)Top 48%
- Net debt / EBITDA (lower is better)Bottom 25%
- Interest coverBottom 32%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 13%
- Free-cash-flow yieldTop 35%
- EBITDA / enterprise valueTop 34%
- Sales / enterprise valueBottom 50%
- P/E vs own 5-year history (lower is better)Bottom 41%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 33%
- 6-month returnTop 47%
- 1-year return vs S&P 500Top 35%
- Distance from 52-week highBottom 50%
- Trend checklist (0–4)Bottom 27%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 44%
- Consecutive EPS beatsTop 24%
- Share of analysts rating BuyTop 42%
- Upside to consensus price targetTop 28%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 42%
- Maximum drawdown, 3 yearsBottom 32%
- Beta vs S&P 500 (lower is better)Bottom 10%
- Net debt / EBITDA (lower is better)Bottom 25%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 15.5% | 15.6% | ↑ |
| EPS growth (YoY) | 98.5% | 103.0% | ↑ |
| Gross margin | 44.0% | 56.0% | ↑ |
| Operating margin | 13.4% | 24.5% | ↑ |
| FCF margin | 25.5% | 17.6% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 15.6% | 15.5% | ↑ | Top 28% |
| EPS growth (TTM, YoY) | 103.0% | 98.5% | ↑ | Top 12% |
| Gross margin | 56.0% | 44.0% | ↑ | Bottom 30% |
| Operating margin | 24.5% | 13.4% | ↑ | Top 42% |
| Net margin | 19.6% | 11.4% | ↑ | — |
| Free-cash-flow margin | 17.6% | 25.5% | ↓ | — |
| Return on invested capital | 1.1% | — | Bottom 45% | |
| Revenue growth, 3-year CAGR | 16.5% | — | Top 43% |
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.
- 1.0%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -13.9 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 5.19×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.6×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- 1.04%
- Shareholder yield
- 1.04%
- Share count change, 1 year
- +7.8%
- Share count change, 3-year CAGR
- +3.4%
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
- 5
- Beats in the last 8 reports
- 5 of 8
- Average EPS surprise, last 4
- +6.0%
- Average 2-day reaction, last 8
- +1.0%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $93.75
- Target vs current price
- +24.2%
- Analysts with a rating
- 17
- Share rating Buy or Strong Buy
- 53%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | +2.5% | -0.5% | +2.8% | +3.0% | — |
| Apr 23, 2026 | +4.8% | +1.1% | -1.0% | -1.5% | +0.2% |
| Jan 22, 2026 | +1.0% | +1.3% | -4.6% | -10.3% | -3.5% |
| Oct 23, 2025 | +15.8% | +2.4% | +5.4% | +1.5% | +17.8% |
| Jul 24, 2025 | +20.0% | -1.8% | +3.9% | +5.2% | -3.2% |
| Apr 24, 2025 | -76.6% | +3.9% | +3.2% | +5.9% | +31.9% |
| Jan 23, 2025 | -38.8% | +0.4% | +14.1% | +11.0% | -9.2% |
| Oct 31, 2024 | -6.3% | +1.0% | +21.7% | +24.5% | +25.3% |
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 | $1.88 | +4.8% | $225.4M |
| Jan 22, 2026 | $2.06 | $2.04 | +1.0% | $236.9M |
| Oct 23, 2025 | $2.20 | $1.90 | +15.8% | $227.9M |
| Jul 24, 2025 | $1.80 | $1.50 | +20.0% | $202.3M |
| Apr 24, 2025 | $0.30 | $1.28 | -76.6% | $195.1M |
| Jan 23, 2025 | $0.74 | $1.21 | -38.8% | $193.5M |
| Oct 31, 2024 | $1.34 | $1.43 | -6.3% | $163.3M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 9.2× | 7.0× | 67th | Top 13% |
| P/E (forward) | 8.9× | — | — | — |
| EV / EBITDA | 11.0× | — | — | Top 34% |
| EV / Sales | 3.24× | — | — | Bottom 50% |
| Free-cash-flow yield | 10.28% | — | — | Top 35% |
| Earnings yield | 10.87% | — | — | Top 13% |
P/E over the past five years
Range 3.0× – 15.2× 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
- +17.0%
- Earnings per share growth (TTM)
- +103.0%
- Change in P/E multiple
- -33.9%
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)
- -0.1%
- 200-day average slope (20 days)
- +1.1%
- Distance from 50-day average
- -4.5%
- Distance from 200-day average
- -0.3%
- RSI (14)
- 40.9
- Relative volume
- 1.42×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 22.5%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.31
- Correlation with S&P 500
- 0.55
- Current drawdown from 1-year high
- -9.8%
- Maximum drawdown, 3 years
- -36.1%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 14, 2022 | May 4, 2023 | -78.6% | 326 days | 659 days (Dec 18, 2025) |
| Jan 22, 2026 | Mar 13, 2026 | -20.3% | 35 days | 98 days (Aug 4, 2026) |
| Jun 7, 2021 | Jul 19, 2021 | -19.5% | 29 days | 29 days (Aug 27, 2021) |
| Aug 27, 2021 | Sep 14, 2021 | -14.4% | 11 days | 13 days (Oct 1, 2021) |
| Dec 16, 2021 | Dec 17, 2021 | -12.4% | 1 days | 5 days (Dec 27, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $2.55B
- P/E (TTM)
- 9.2
- EPS, diluted (TTM)
- $8.20
- Revenue (TTM)
- $1.49B
- 52-week range
- $59.34 – $84.38
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $844.6M | $895.1M | $1.42B | $1.36B | $1.41B |
| Gross profit | $721.4M | $573.4M | $666.3M | $614.0M | $729.8M |
| Operating income | $441.2M | $291.3M | $330.7M | $224.4M | $310.8M |
| Net income | $314.6M | $228.0M | $250.1M | $181.5M | $224.1M |
| EPS (diluted) | $10.08 | $6.51 | $7.32 | $5.09 | $6.20 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $336.9M | $313.5M | $285.8M | $353.6M | $387.5M | $387.7M | $370.6M | $344.7M |
| 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 | $271.2M | -$20.8M | $124.7M | $145.1M | $494.8M |
| Capital expenditure | -$33.0M | -$113.3M | -$41.3M | -$65.2M | -$161.1M |
| Free cash flow | $238.2M | -$134.2M | $83.4M | $79.9M | $333.7M |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | -$82.4M | -$32.6M | -$36.7M | -$17.5M | $17.7M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $85.5M
- Total assets
- $26.52B
- Total liabilities
- $24.32B
- Total debt
- $2.37B
- Net debt
- $2.28B
- Shareholders’ equity
- $2.21B
As of Jun 30, 2026 (filed Aug 7, 2026).
Short interest
- Shares sold short
- 2,514,167
- Days to cover
- 9.95
- Change vs previous report
- +11.8%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- May 22, 2014
- 11-for-10