CUBB
Financial ServicesCustomers Bancorp, Inc 5.375% S · Banks - Regional · $760M
What is Customers Bancorp, Inc 5.375% S?
Customers Bancorp operates through Customers Bank, offering loans and deposits to businesses and consumers across its branch network.
The bank provides core lending and deposit products to both commercial and retail customers. Revenue is generated through interest income on loans and fees on banking services, with operations centered in the northeastern United States and headquartered in Malvern, Pennsylvania.
Is CUBB a Good Stock to Buy?
UQS Score rates CUBB as Below Average overall, reflecting notable weaknesses in Moat and Risk alongside an Attractive Valuation.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
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Pro Analysis
CUBB — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| Jul 25, 2026 | 49.6 | 73.5 | 20.0 | 40.3 | 21.2 | 100.0 | -1.5 |
| Jul 24, 2026 | 51.1 | 70.4 | 20.0 | 40.3 | 36.4 | 100.0 | +0.6 |
| Jul 23, 2026 | 50.5 | 75.9 | 20.0 | 40.3 | 24.6 | 98.8 | -0.1 |
| Jul 18, 2026 | 50.6 | 75.9 | 20.0 | 40.3 | 24.6 | 99.2 | 0.0 |
| Jul 17, 2026 | 50.6 | 75.9 | 20.0 | 40.3 | 24.6 | 99.4 | 0.0 |
| Jul 14, 2026 | 50.6 | 75.9 | 20.0 | 40.3 | 24.6 | 99.3 | 0.0 |
| Jul 11, 2026 | 50.6 | 75.9 | 20.0 | 40.3 | 24.6 | 99.1 | — |
CUBB — Pillar Breakdown
Quality
— 73.5/100 (25%)Customers Bancorp, Inc 5.375% S shows solid profitability with healthy returns on capital and reasonable margins.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 40.3/100 (20%)Customers Bancorp, Inc 5.375% S shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 21.2/100 (15%)Customers Bancorp, Inc 5.375% S presents elevated risk with concerns around leverage or financial stability.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 100.0/100 (15%)Customers Bancorp, Inc 5.375% S appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Moat
— 20/100 (25%)Customers Bancorp, Inc 5.375% S operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for CUBB.
Score Composition
Financial Data
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How is the CUBB UQS Score Calculated?
The UQS (Unified Quality Score) for Customers Bancorp, Inc 5.375% S is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Customers Bancorp, Inc 5.375% S's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Customers Bancorp, Inc 5.375% S is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.