At a glance
Customers Bancorp Inc is worth $2.93B, about 14 times its fiscal 2025 earnings. Revenue grew 14.5% to $818.3M in fiscal 2025, with 27.4% kept as profit; over 5 years it has grown 11.8% a year. It pays no dividend; it spent $125.5M buying back its shares over FY2021–FY2025. The stock returned +27.6% over the past year with dividends reinvested and +11.2% a year over five years, against +11.5% and +11.7% for the S&P 500. At its worst it fell 56.1% in the 2020 crash (S&P 500: 33.7%) and 60.5% in the 2022 bear market (S&P 500: 24.5%), and was back at its earlier high 10 months and 39 months after the lows.
The business in plain English
Customers Bancorp is the holding company for Customers Bank, a Pennsylvania bank whose deposits are insured by the FDIC (the federal agency that protects bank deposits). Like most banks, it gathers deposits and lends them out. Its customers include privately held businesses, large corporations, not-for-profit groups and consumers. Locally, it makes business loans, commercial real estate loans, apartment-building loans and home mortgages. Most of this lending is in the Northeast and Mid-Atlantic, and it also has teams in California and Nevada.
Across the country, specialist teams lend to investment funds, venture-backed technology firms, healthcare companies, other financial institutions and municipalities. The bank also offers mortgage finance, equipment financing and SBA (Small Business Administration) loans. It provides payments and treasury services to businesses, and banking services to financial technology (fintech) firms. The bank calls its model "branch-light": it has seven branches, mostly in Berks County and Southeastern Pennsylvania, plus digital banking, and each client has a single banker as the main contact.
Most of the money comes from net interest income, the gap between what the bank earns on loans and securities and what it pays depositors. That was about $750 million of $818 million in 2025 revenue. Fees and other noninterest income added about $68 million. The 10-K does not break revenue out by segment or region. At December 31, 2025, the bank held $24.9 billion in assets and $20.8 billion in deposits.
Price history
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CUBI +27.6% over the year to Oct 28, 2026, total return with dividends reinvested.
Latest results
- In Q2 FY2026 (ended Jun 30, 2026), revenue was $227.4M, up 10.2% from a year earlier, and net income was $71.6M (+17.4%).
- For fiscal 2025, revenue was $818.3M (+14.5% year over year; +11.8% a year from FY2020 to FY2025) with a 27.4% net margin.
Financial health check
| Revenue growth a year (FY2020–FY2025) | +11.8% good |
|---|---|
| Return on equity | 10.6% watch |
| Net income / revenue | 27.4% good |
| Deposits | $21.73B |
| Loans | $17.79B |
| Fiscal year | Revenue | Net income | Free cash flow |
|---|---|---|---|
| FY2020 | $467.5M | $132.6M | — |
| FY2021 | $762.9M | $314.6M | — |
| FY2022 | $656.0M | $228.0M | — |
| FY2023 | $758.0M | $250.1M | — |
| FY2024 | $714.8M | $181.5M | — |
| FY2025 | $818.3M | $224.1M | — |
Valuation snapshot
| Market value | $2.93B |
|---|---|
| P/E ratio | 13.8 |
| Dividend yield | 0.39% |
Rank among 1514 US companies
Market value at each year end
Customers Bancorp’s market value went from $986.6M at the end of 2016 to $2.93B on Oct 28, 2026, about 3.0 times as much; since the end of 2025 it is up 17%.
Show as a table
| Year end | Market value | Change |
|---|---|---|
| Oct 28, 2026 | $2.93B | +17.2% |
| 2025 | $2.50B | +63.7% |
| 2024 | $1.53B | -15.7% |
| 2023 | $1.81B | +96.4% |
| 2022 | $921.5M | -56.5% |
| 2021 | $2.12B | +268.8% |
| 2020 | $574.5M | -23.0% |
| 2019 | $745.7M | +29.4% |
| 2018 | $576.4M | -28.0% |
| 2017 | $800.7M | -18.9% |
| 2016 | $986.6M |
Price behavior
| YTD | 1 yr | 3 yr | 5 yr | 10 yr | |
|---|---|---|---|---|---|
| CUBI price data to Oct 28, 2026 | +19.1% | +27.6% | +29.9% | +11.2% | +12.4% |
Show as a table
| Year | Price data |
|---|---|
| 2026 (to date) | +19.1% |
| 2025 | +50.2% |
| 2024 | -15.5% |
| 2023 | +103.3% |
| 2022 | -56.6% |
| 2021 | +259.6% |
| 2020 | -23.6% |
| 2019 | +30.8% |
| 2018 | -30.0% |
| 2017 | -27.4% |
| 2016 | +31.6% |
| 2015 | +39.9% |
| 2014 | +4.6% |
| 2013 | +41.1% |
| 2008 financial crisis stocks fell Oct 9, 2007 – Mar 9, 2009 | Before this security existed |
|---|---|
| 2020 COVID crash stocks fell Feb 19, 2020 – Mar 23, 2020 | Lost 55.5% over that stretch · deepest drop along the way 56.1%, back to its old high 9.8 months after the low |
| 2022 bear market stocks fell Jan 3, 2022 – Oct 12, 2022 | Lost 53.2% over that stretch · deepest drop along the way 60.5%, back to its old high 38.6 months after the low |
Insider activity
Form 4 filings from 2025-11-03 to 2026-11-03 (25 read): 0 open-market purchases and 5 sales ($13.2M).
| Date | Insider | Type | Value |
|---|---|---|---|
| Aug 3, 2026 | Jay S Sidhu Chairman, Director | sell | $5.5M |
| Oct 29, 2026 | Jay S Sidhu Exec. Chairman, Director | sell | $4.4M |
| Jul 29, 2026 | Jay S Sidhu Chairman, Director | sell | $2.4M |
| Aug 13, 2026 | Andrea R. Allon Director | sell | $828K |
| Jul 30, 2026 | Jay S Sidhu Chairman, Director | sell | $66K |
Who owns it
Large shareholders (13G filings)
| BlackRock, Inc. | 13.6% | Dec 31, 2025 |
| Wellington Management Group LLP | 11.9% | Jun 30, 2026 |
| Dimensional Fund Advisors LP | 5.5% | Dec 31, 2025 |
| STATE STREET CORPORATION | 5.3% | Sep 30, 2025 |
| Bay Pond Partners, L.P. | 5.1% | Oct 2, 2026 |
| Hood River Capital Management LLC | 5.05% | Dec 31, 2025 |
| Bay Pond Investors (Bermuda) L.P. | 5% | Mar 9, 2026 |
ETFs with the most weight in CUBI
| BLOK Amplify Transformational Data Sharing ETF | 1.5% |
| FYT First Trust Small Cap Value AlphaDEX Fund | 0.52% |
| SEIS SEI Select Small Cap ETF | 0.43% |
| PSCF Invesco S&P SmallCap Financials ETF | 0.42% |
| FSCC Federated Hermes MDT Small Cap Core ETF | 0.3% |
| EES WisdomTree U.S. SmallCap Fund | 0.27% |
| FYX First Trust Small Cap Core AlphaDEX Fund | 0.25% |
| AVUV Avantis U.S. Small Cap Value ETF | 0.24% |
What could go wrong
- New York apartment loans face rule changes. Customers holds a portfolio of multifamily (apartment building) loans in New York State. Its 10-K warns that changes in laws or regulations could hurt the value and performance of those loans.
- Fintech partnerships draw regulatory scrutiny. Customers offers banking services to financial technology (fintech) firms and holds deposits serviced by third parties. Regulators are watching such partnerships more closely, and a data breach involving those customers could damage the bank.
- cubiX payments platform may not catch on. Customers built its own instant payments platform for businesses, called cubiX. The 10-K says the platform's acceptance and success depend on factors that are hard to judge, so the investment may not pay off.
- Heavy reliance on a few key leaders. The bank depends on Executive Chairman Jay Sidhu and CEO Sam Sidhu, Jay Sidhu's son. Losing key executives, or failing to hire the banking teams its growth plan needs, could set the bank back.
- Commercial and property lending carry higher risk. The bank focuses on commercial, commercial real estate and mortgage finance loans, which carry higher lending risk. If its loss reserves (the allowance for credit losses) prove too small, earnings could fall.
- Funding relies on keeping low-cost deposits. Loans are funded mainly by deposits gathered through seven branches, banking teams and digital channels. If depositors leave or demand higher rates, the bank could face costlier funding or run short of ready cash.
Recent events
- Quarterly results released; Investor presentation or announcement
- Executive or board change
- Quarterly results released; Investor presentation or announcement
- Executive or board change
- Executive or board change; Shareholder vote results
- Quarterly results released; Investor presentation or announcement
- Investor presentation or announcement
- Executive or board change
- Other company announcement
- Executive or board change; Investor presentation or announcement
For income and retirement investors
Customers Bancorp paid no dividends on its common stock from 2021 through 2025. Its 10-K for 2025 says it does not expect to pay cash dividends in the near future, and any payout would face regulatory limits. An income investor would get no regular cash, so any return would come only from changes in the share price. The company has repurchased stock instead, spending about $125.5 million from 2021 through 2025, though only $5.6 million in 2025. Even so, the share count rose 4.4% between August 2021 and August 2026.
Downturns have hit the stock hard. In the 2020 COVID crash it lost 56% between February 20 and March 23, 2020, and it recovered in about 10 months. In the 2022 bear market, a long market slide, it dropped about 60% from January 7 to September 30, 2022. It did not regain that peak until December 18, 2025, about 39 months later. A single bank stock carries more risk than a diversified fund.
Questions investors ask
Does Customers Bancorp pay a dividend?
No. Customers Bancorp paid no dividends on its common stock from 2021 through 2025. Its 10-K for 2025 says it does not expect to pay cash dividends in the near future, and any future dividend would face regulatory limits. Instead, the company spent about $125.5 million repurchasing its own shares over those five years. Those buybacks did not shrink the share count, which rose 4.4% between August 2021 and August 2026.
How does Customers Bancorp make money?
Mostly from lending. In 2025, net interest income was about $750 million of its $818 million in revenue. Net interest income is the difference between the interest the bank earns on loans and securities and the interest it pays on deposits and borrowings. Fees and other income made up the rest. Net income was $224 million, or $6.26 per diluted share. Return on equity (profit as a share of shareholders' money) was 10.6%. In the quarter ended June 30, 2026, revenue rose 10.2% and net income 17.4% from a year earlier.
Who runs Customers Bancorp?
Sam Sidhu is President and CEO of Customers Bancorp and has been President and CEO of Customers Bank since July 2021. The holding company CEO title was added in January 2026. Sam Sidhu is the son of Executive Chairman Jay Sidhu, who joined in June 2009 and spent 20 years as CEO and Chairman of Sovereign Bancorp. Insider filings show that Jay Sidhu sold shares worth about $5.5 million on August 3, 2026 and $2.4 million on July 29, 2026.
Is Customers Bancorp stock volatile?
Yes, its price has swung widely. It gained 259.6% in 2021, 103.3% in 2023 and 50.2% in 2025, and it lost 56.7% in 2022 and 15.5% in 2024. Its deepest fall from a peak in its 14.7-year price history was 78.6%. Volatility, a measure of how widely returns swing, was 30.5% over the year to October 28, 2026. Over the 10 years to that date, the price rose 12.4% a year on average.
What is Customers Bancorp's P/E ratio?
It was about 13.8 as of October 28, 2026, based on that day's closing price and 2025 earnings of $6.26 per diluted share. The P/E (price-to-earnings) ratio shows how many dollars investors pay for each dollar of yearly profit. At that price, the company's market value was about $2.9 billion. Bank earnings can swing with credit losses and interest rates. Customers' diluted earnings per share ranged from $8.91 in 2021 to $5.09 in 2024 before reaching $6.26 in 2025.