Customers Bancorp
Branch-light commercial banking, specialty lending, and instant payments for businesses and consumers.
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Profile
Earns mainly from loans funded by deposits while providing treasury services and cubiX business payments. A branch-light, relationship-led model combines regional commercial banking with national specialty finance in a single regulated banking segment.
Owns Customers Bank, a branch-light commercial bank serving businesses and consumers through loans, deposits, treasury management, and payments. Local commercial and real estate banking is concentrated in the Northeast and Mid-Atlantic, while specialized lending, mortgage finance, equipment finance, SBA lending, and digital banking reach clients nationally.
Combines dedicated relationship managers with digital delivery, using specialty teams for fund finance, technology and venture, healthcare, financial institutions, municipal finance, and real estate specialty finance. The proprietary cubiX platform provides institutional clients with continuous API-based business payments and supports deposit gathering.
Operates as a single banking segment funded mainly by deposits. Results depend on credit underwriting, interest-rate and liquidity management, cybersecurity, and compliance; federal and Pennsylvania orders continue to govern digital-asset services, anti-money-laundering, sanctions, and board oversight.
Company facts
Categories
Key statistics
Year to date +5.5% · Average volume (30d) 257.9K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Jul 27, 2026 | DA Davidson | Reiterate | Buy | $93 | $100 | |
| Jul 1, 2026 | Fundamental Research | Target | $94 | |||
| Jun 29, 2026 | Morgan Stanley | Reiterate | Positive | $90 | $88 | |
| Jun 26, 2026 | Piper Sandler | Reiterate | Overweight | $86 | $92 | |
| Apr 27, 2026 | DA Davidson | Reiterate | Buy | $95 | $93 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 23, 2026Q2 FY26 | $2.00 | $2.05 | +2.5% | $229.2M | $227.3M | −0.8% | +0.57% |
| Apr 23, 2026Q1 FY26 | $1.88 | $1.97 | +4.8% | $223.5M | $225.4M | +0.9% | −3.99% |
| Jan 22, 2026Q4 FY25 | $2.04 | $2.06 | +1.0% | $228.4M | $236.9M | +3.7% | −8.24% |
| Oct 23, 2025Q3 FY25 | $1.90 | $2.20 | +15.8% | $215.1M | $227.9M | +6.0% | +6.96% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $285.8M | $353.6M | $387.5M | $387.7M | $370.6M | $344.7M | |
| Gross profit | $110.0M | $181.5M | $201.4M | $236.9M | $202.3M | $193.4M | |
| Operating income | $11.9M | $78.9M | $100.3M | $119.6M | $90.3M | $55.4M | |
| Net income | $12.9M | $60.9M | $75.7M | $74.5M | $69.7M | $71.6M | |
| Diluted EPS | $0.29 | $1.73 | $2.20 | $1.98 | $1.97 | $2.05 | |
| Gross margin | 38.5% | 51.3% | 52.0% | 61.1% | 54.6% | 56.1% | |
| Operating margin | 4.2% | 22.3% | 25.9% | 30.9% | 24.4% | 16.1% |
Fiscal years (4-quarter sums)FY21 $837.9M · FY22 $894.4M · FY23 $1.42B · FY24 $1.36B · FY25 $1.41B
Balance sheet, Jun 30, 2026Cash & short-term investments $85.5M · Total debt $2.37B · Total assets $26.52B · Shareholders' equity $2.21B
Dividends
No dividends on record.
Ownership
A 13F quarter can total more than the shares outstanding — sub-advisers file the same block twice, and a filer's own share count can be a quarter stale. No split is drawn from it.
Shares outstanding 33.83M · Float 31.27M · 92.5% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 4.87M | 14.40% | 13F | Aug 7, 2026 |
| Wellington Management Group LLP | 4.04M | 11.93% | 13F | Aug 14, 2026 |
| State Street Corp | 2.08M | 6.15% | 13F | Aug 7, 2026 |
| Dimensional Fund Advisors LP | 2.01M | 5.95% | 13F | Aug 11, 2026 |
| Hood River Capital Management LLC | 1.94M | 5.74% | 13F | Aug 14, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 13, 2026 | Andrea R. Allon | director | −10,000 | $82.81 |
| Aug 3, 2026 | Jay S. Sidhu | director, officer: Chairman | −68,821 | $80.09 |
| Jul 30, 2026 | Jay S. Sidhu | director, officer: Chairman | −835 | $79.00 |
| Jul 29, 2026 | Jay S. Sidhu | director, officer: Chairman | −30,344 | $79.20 |
| May 29, 2026 | Lyle Cunningham | officer: Chief Banking Officer | −47,914 | $75.03 |
Peers
- The Bancorp
Sponsor-bank and payments peer for fintech deposits and specialty finance
- Pathward Financial
Embedded-finance and payments bank with commercial-finance overlap
- Axos Financial
Digital branch-light bank competing in deposits and specialty lending
- Western Alliance
Specialty commercial bank with scale in deposits and national lines
- Texas Capital
Commercial bank peer in treasury, mortgage finance, and digital deposits
- Live Oak Bancshares
Branch-light small-business lender overlapping in SBA and niche loans
- Valley National Bancorp
Regional commercial-bank peer in deposits, C&I, and specialty lines
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Customers Bancorp | $78.58 | 0.00% | $2.66B | 9.6 | 8.7 | 1.8 | +12.4% |
| The Bancorp | $65.70 | −0.05% | $2.74B | 12.3 | 9.5 | 3.6 | −24.0% |
| Pathward Financial | $81.50 | +0.12% | $1.72B | 10.2 | 8.7 | 2.1 | −3.1% |
| Axos Financial | $97.85 | +0.01% | $5.57B | 11.6 | 10.1 | 2.5 | +19.7% |
| Western Alliance | $78.53 | −0.03% | $8.57B | 8.8 | 7.5 | 1.7 | +17.7% |
| Texas Capital | $98.87 | +0.22% | $4.29B | 12.9 | 12.9 | 2.2 | +9.1% |
| Live Oak Bancshares | $40.13 | −0.04% | $1.86B | 14.1 | 11.1 | 1.7 | +10.0% |
| Valley National Bancorp | $13.92 | 0.00% | $7.71B | 11.6 | 9.8 | 2.6 | +13.3% |
| Median | 11.6 | 9.8 | 2.2 | +10.0% |