CUBI

Based on Customers Bancorp, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

What does Customers Bancorp do?

Customers Bancorp is the holding company for Customers Bank, a regional bank serving consumers and businesses across the eastern US. It offers deposit accounts, commercial and residential loans, equipment financing, and cash management services. The bank operates a small branch network supplemented by digital banking channels.

Does CUBI pay dividends?

Customers Bancorp does not currently pay a dividend. The company retains earnings to support loan growth and maintain capital ratios required by banking regulators. Investors seeking regular income should note this before adding CUBI to an income-oriented portfolio.

When does CUBI report earnings?

Customers Bancorp follows a standard quarterly earnings schedule. Specific release dates are not covered by our data source — check the company's investor relations page for the most current schedule and recent results.

Is CUBI a good stock to buy?

UQS Score rates CUBI as Below Average overall. While the Quality pillar is Good and Valuation is Attractive, the Moat and Risk pillars are both Weak. That combination warrants careful consideration. The full pillar breakdown is available to UQS Pro members.

Is CUBI overvalued?

The UQS Valuation pillar for CUBI is rated Attractive, suggesting the stock is not trading at a premium relative to its fundamentals. However, an attractive price alone does not offset the Weak Moat and Risk ratings — context across all five pillars matters.

How does CUBI compare to its competitors?

Compared to regional peers like Trustmark, WaFd, and First Merchants, Customers Bancorp stands out for its lean branch model and multi-market reach. However, its Weak Moat rating suggests it has not established a durable competitive edge over these rivals. See the full comparison in the UQS Pro view.

What is CUBI's market cap bracket?

Customers Bancorp is classified as a mid-cap company. This places it in a segment of the regional banking market that is larger than community banks but well below the scale of major national lenders.

Who founded Customers Bancorp?

Customers Bancorp was founded in 2012. Founding and leadership history is publicly available through the company's official investor relations materials and SEC filings for those seeking detailed background.

Is CUBI a long-term quality investment?

As a long-term quality indicator, CUBI's Below Average UQS Score reflects concerns — particularly the Weak Moat and Risk ratings — that could weigh on sustained value creation. The Good Quality and Attractive Valuation ratings offer some offset, but long-term conviction would require improvement in the weaker pillars.

What is the main competitive advantage of Customers Bancorp?

Customers Bancorp's lean, digital-forward operating model allows it to serve business clients across multiple markets without the overhead of a large branch network. However, the UQS Moat pillar rates this advantage as Weak, indicating it has not yet translated into a durable pricing or retention edge.

What sector does CUBI belong to?

CUBI operates in the Financial Services sector, specifically within regional banking. It is subject to interest rate cycles, credit risk dynamics, and regulatory capital requirements that are characteristic of bank holding companies.

Is CUBI a growth stock or value stock?

Based on UQS pillar labels, CUBI leans toward value territory — the Valuation pillar is Attractive while Growth is rated Neutral. It does not exhibit the high-growth characteristics of a growth stock, but its current pricing may appeal to value-oriented investors willing to accept the associated risks.

Customers Bancorp, Inc. demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.

Customers Bancorp, Inc. shows steady but unspectacular growth, typical for mature companies.

Customers Bancorp, Inc. maintains a reasonable risk profile with manageable debt levels.

Customers Bancorp, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.

Customers Bancorp, Inc. 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 CUBI.

The UQS (Unified Quality Score) for Customers Bancorp, Inc. 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.'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. 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.