| Factor | Score | Distribution | Value | Avg | Rank |
|---|---|---|---|---|---|
Valuation | 82 | 10.4x | 17.3x | Top tier | |
Growth | 70 | 12.4% | 7.1% | Top tier | |
Quality | 78 | — | — | Top tier | |
Safety | 13 | — | — | Bottom tier | |
Capital Return | 34 | 0.37% | 0.06% | Bottom tier | |
Momentum | 88 | 20.0% | -1.6% | Top tier | |
Sentiment | 37 | 9 | 3 | Bottom tier |
10-year US Treasury yield 4.96% as of 2026-10-22. Estimates computed from company data and analyst targets, not investment advice.
Ten ratios that matter, each compared against its sector median and average — so you can see whether a number is rich or cheap relative to peers in the same sector.
Customers Bancorp, Inc., listed on the NYSE under the ticker CUBI, operates in commercial banking, combining corporate lending, commercial real estate lending, mortgage finance, and payment services through the cubiX network. Its model is based on attracting deposits, including non-interest-bearing operating accounts, and deploying funding into loans and interest-earning assets, alongside non-interest income. The company ties its expansion to recruiting commercial banking teams and adding payment use cases, deepening customer relationships and providing deposits to fund lending.
In fiscal 2026 quarter 2 ended 2026-06-30, net revenue reached $227.4 million, up 10.2% compared with the same quarter of the previous fiscal year, while net income reached $71.6 million and diluted earnings per share were $2.05. Net interest income exceeded $193 million in that quarter, up 9% compared with the same quarter of the previous fiscal year, illustrating the importance of interest-based activities in the bank's model. Net interest margin was 3.17%, with management expecting improvement in fiscal 2026 quarter 3 during the 2026-07-24 call.
Loans totaled $18 billion and deposits totaled $21.7 billion at the end of fiscal 2026 quarter 2 ended 2026-06-30, while non-interest-bearing deposits reached $6.9 billion, representing 32% of deposits. Lending drivers included commercial real estate, specialized mortgage finance, and community commercial and industrial loans. Meanwhile, digital asset business deposits of $3.8 billion at quarter-end remained a source of sensitivity in cubiX network balances to trading volume, although growth in real estate payments offset their decline and kept total network balances approximately stable compared with the previous quarter.
Q2 FY2026
When: 2026-10-22
Net interest margin recovery above 3.17%
Continued year-over-year net revenue growth at 10.2%
When: Fiscal 2027
The median analyst price target was $93, within a range of $89 to $100 in the 2026-10-19 snapshot; this is a low-confidence indicative estimate based on coverage by two analysts and reflects their growth expectations, with this method tending toward optimism. The industry-multiple valuation is $76, within a range of $64 to $93, based on valuing book value at a median multiple of 1.2 across 335 companies. The ranges of the two methods overlap, but the median analyst price target is higher than the industry-multiple valuation, reflecting the difference between pricing expected growth and valuing the bank on book value like its peers. EL7's valuation pillar, at 86 out of 100 within the industry using data as of 2026-06-30, adds a relative perspective on multiples, while DA Davidson raised its target to $100 on 2026-07-27.
Figures in the text are as of 2026-10-20; the live price is shown at the top of the page.
Customers Bancorp gathers deposits and deploys funding into commercial and real estate lending, alongside payment services through cubiX. In fiscal 2026 quarter 2 ended 2026-06-30, net revenue reached $227.4 million and net interest income exceeded $193 million. cubiX helps attract operating deposits, and its cumulative activity exceeded $5 trillion in transactions as of the earnings presentation on 2026-07-24; this is transaction volume, not income for the bank.
These deposits reached $6.9 billion, representing 32% of total deposits, at the end of fiscal 2026 quarter 2 ended 2026-06-30. They provide the bank with funding on which it pays no interest, supporting lending economics compared with funding that relies more heavily on interest-bearing deposits. However, some are linked to digital assets, with deposits from this business reaching $3.8 billion at the end of the same quarter, making their stability also dependent on payment and trading activity.
Automated analysis for informational purposes only — not investment advice.
During the 2026-07-24 call, management announced that automation had saved at least 46 thousand working hours and that more than 600 custom GPT agents and applications had been built. Applications included trials involving commercial and industrial and real estate loan closings within a week, alongside collaboration involving OpenAI engineers working with the bank's teams. Management targets an operating efficiency ratio in the low forty percent range in fiscal 2027, but clarified that productivity improvements do not automatically equate to realized expense savings of the same value.
In fiscal 2026 quarter 2 ended 2026-06-30, net loan charge-offs were 18 basis points and reserve coverage reached 293%. The Common Equity Tier 1 capital ratio reached 12.8% at the end of the same quarter, alongside loans reaching $18 billion. These indicators support the capacity to accommodate business growth, but loan growth of 17% compared with the same quarter of the previous fiscal year makes monitoring portfolio quality as expansion continues necessary to assess earnings sustainability.
The net interest margin of 3.17% in fiscal 2026 quarter 2 ended 2026-06-30 provides a baseline for testing management's expectation of improvement in fiscal 2026 quarter 3. Comparing net interest income with its level of more than $193 million in fiscal 2026 quarter 2 also allows an assessment of the impact of loan growth and an improved funding mix. Year-over-year net revenue growth of 10.2% in fiscal 2026 quarter 2 remains a benchmark for monitoring continued acceleration, with 2026-10-22 being an expected announcement date.