Customers Bancorp Inc Common Stock (CUBI)

FairStock Score: 68/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at a bank first as a conservator of capital, then as an earnings machine. Customers Bancorp earned $71.6M in fiscal Q2 2026 (quarter ended 2026-06-30), up from $60.9M in fiscal Q2 2025, with diluted EPS of $2.05 versus $1.73. For fiscal year 2025 (year ended 2025-12-31), net income was $224.1M and diluted EPS $6.26; fiscal year 2024 was $181.5M and $5.09; fiscal year 2023 was $250.1M and $7.32. So earnings are lumpy, but the latest year recovered and the latest quarter was ahead of the prior-year quarter. At $74.64 on 2026-10-13, FairStock's P/E is 9.06 and P/B is 1.14, with ROE 14.32%. That is not demanding if those earnings persist. The PEG of 0.02 and the computed Lynch STALWART category (steady 11.1% five-year profit growth) hint at growth for a modest price. But banks are leveraged businesses; without CET1, net interest margin, credit costs, nonperforming loans, reserves or tangible book, I cannot judge underwriting or balance-sheet strength. Piotroski 4/9 reinforces mixed quality. The 0% dividend and beta of 1.53 offer no income cushion and suggest above-average volatility. ROCE 1.19% is not the right lens for a bank, and D/E is not available. I would want a margin of safety for the missing credit picture. At 1.14 times book, there may be value, but only if credit remains clean.

In plain English: Customers Bancorp is the holding company for a regional bank that serves commercial and consumer customers. Its recent profits are solid and better than a year earlier, and the stock looks inexpensive compared with the company's earnings and book value, based only on the numbers provided. However, important bank details about loan quality and capital strength are missing, so the picture is not complete.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer