Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
Customers Bancorp, Inc. (CUBI)
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
$84.32-3.27%
Close 2026-11-05 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
9.62 → 9.85 EPS · FY ending Dec 31, 2027 · 8 analysts
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 5, 2026 to Nov 4, 2026: (new ÷ prior − 1). Contributor count changed from 9 to 8; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for CUBI yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
4 published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
Above industry average growth in loan and deposit portfolios | Customers Bancorp grows loans and deposits above industry average. | Intact | loan or deposit growth falls below 2% quarterly average next year | Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
This is a bank growth thesis, with execution and sector conditions both important. The thesis is in a watch state: recent results have included earnings beats, but performance remains below its industry cohort and earnings quality is rated fragile.
Valuation is tagged as stretched, despite being classified as cheap in the factor assessment; CUBI’s valuation is 1.1 times its peers, and the expectations gap is 0.22. The valuation measure recently fell from 59.3 to 36.2, while the evidence says weak execution quality is the main source of fragility rather than a broader expensive, weak, and turbulent setup.
Near term, portfolio growth is on track: loans and deposits both increased from the second to the third quarter of 2026. Payments activity also expanded, while AI and automation progress is mixed; recent earnings beats are positive, but a prior deep miss and recent peer misses remain risks despite a stated low near-term miss risk.
A guidance cut would be a meaningful negative, while the current guidance was reaffirmed on July 23, 2026. The rate backdrop also matters: evidence suggests rate cuts could weigh on CUBI and financial firms, while continued earnings strength and higher guidance from sector bellwethers could support sector momentum.
Over the next one to three years, the thesis rests on continued balance-sheet and payments growth translating into stronger execution, while fragile earnings quality and below-cohort performance remain concerns. The evidence is mixed, so the key signals are guidance, interest rates, and sector results. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| Profit remains solid with operating income of $90 million in Q1. |
| Intact |
| operating income falls below $85 million per quarter |
Operating income: $89.451M FY2026-Q2; GAAP. Published target: Maintain or grow operating income above $90 million per quarter. Target period is not explicitly aligned with this observation. Aug 7, 202689,451,000 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Revenue near $815 million in FY 2026 | Revenue is expected near $815 million in 2026. | Intact | revenue falls below $780 million in FY 2026 | Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Maintain valuation discount with strong free cash flow yield | The stock trades cheap with a P/E of 9.6 and strong free cash flow yield. | Intact | P/E rises above 12 or FCF yield falls below 8% | Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$9.55 → $9.85 · observed estimates
$1.02B → $1.04B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $9.55 | $1,020,916,665 | 9 / 7 |
| 2026-07-25 | $9.50 | $882,592,640 | 10 / 8 |
| 2026-07-26 | $9.57 | $1,018,190,354 | 9 / 7 |
| 2026-07-27 | $9.51 | $882,598,220 | 10 / 8 |
| 2026-07-28 | $9.51 | $882,598,220 | 10 / 8 |
| 2026-07-29 | $9.57 | $1,018,190,354 | 9 / 7 |
| 2026-07-30 | $9.59 | $889,212,350 | 10 / 8 |
| 2026-07-31 | $9.59 | $889,212,350 | 10 / 8 |
| 2026-08-01 | $9.66 | $1,025,807,556 | 9 / 7 |
| 2026-08-02 | $9.60 | $888,766,530 | 10 / 9 |
| 2026-08-03 | $9.67 | $1,025,618,667 | 9 / 7 |
| 2026-08-04 | $9.67 | $1,025,618,667 | 9 / 7 |
| 2026-08-05 | $9.60 | $888,766,530 | 10 / 9 |
| 2026-08-06 | $9.67 | $1,025,618,667 | 9 / 7 |
| 2026-08-07 | $9.67 | $1,025,618,667 | 9 / 7 |
| 2026-08-08 | $9.60 | $888,766,530 | 10 / 9 |
| 2026-08-09 | $9.60 | $888,766,530 | 10 / 9 |
| 2026-08-10 | $9.67 | $1,025,618,667 | 9 / 7 |
| 2026-08-11 | $9.67 | $1,025,618,667 | 9 / 7 |
| 2026-08-12 | $9.67 | $1,025,618,667 | 9 / 7 |
| 2026-08-13 | $9.67 | $1,025,618,667 | 9 / 7 |
| 2026-08-14 | $9.67 | $1,025,618,667 | 9 / 7 |
| 2026-08-15 | $9.67 | $1,025,618,667 | 9 / 7 |
| 2026-08-16 | $9.67 | $1,025,618,667 | 9 / 7 |
| 2026-08-17 | $9.67 | $1,025,618,667 | 9 / 7 |
| 2026-08-18 | $9.67 | $1,025,618,667 | 9 / 7 |
| 2026-08-19 | $9.67 | $1,025,618,667 | 9 / 7 |
| 2026-08-20 | $9.68 | $1,025,774,222 | 8 / 7 |
| 2026-08-21 | $9.68 | $1,025,774,222 | 8 / 7 |
| 2026-08-22 | $9.68 | $1,025,774,222 | 8 / 7 |
| 2026-08-23 | $9.68 | $1,025,774,222 | 8 / 7 |
| 2026-08-24 | $9.68 | $1,025,774,222 | 8 / 7 |
| 2026-08-25 | $9.68 | $1,025,774,222 | 8 / 7 |
| 2026-08-26 | $9.68 | $1,025,774,222 | 8 / 7 |
| 2026-08-27 | $9.68 | $1,025,774,222 | 8 / 7 |
| 2026-08-28 | $9.68 | $1,025,774,222 | 8 / 7 |
| 2026-08-29 | $9.68 | $1,025,774,222 | 8 / 7 |
| 2026-08-30 | $9.68 | $1,025,774,222 | 8 / 7 |
| 2026-08-31 | $9.68 | $1,025,774,222 | 8 / 7 |
| 2026-09-01 | $9.68 | $1,025,774,222 | 8 / 7 |
| 2026-09-02 | $9.68 | $1,025,774,222 | 8 / 7 |
| 2026-09-03 | $9.68 | $1,025,774,222 | 8 / 7 |
| 2026-09-04 | $9.68 | $1,025,774,222 | 8 / 7 |
| 2026-09-05 | $9.68 | $1,025,774,222 | 8 / 7 |
| 2026-09-06 | $9.68 | $1,025,774,222 | 8 / 7 |
| 2026-09-07 | $9.68 | $1,025,774,222 | 8 / 7 |
| 2026-09-08 | $9.68 | $1,025,774,222 | 8 / 7 |
| 2026-09-09 | $9.68 | $1,025,774,222 | 8 / 7 |
| 2026-09-10 | $9.68 | $1,025,774,222 | 8 / 7 |
| 2026-09-11 | $9.68 | $1,025,774,222 | 8 / 7 |
| 2026-09-12 | $9.68 | $1,025,774,222 | 8 / 7 |
| 2026-09-13 | $9.68 | $1,025,774,222 | 8 / 7 |
| 2026-09-14 | $9.68 | $1,025,774,222 | 8 / 7 |
| 2026-09-15 | $9.68 | $1,025,774,222 | 8 / 7 |
| 2026-09-16 | $9.68 | $1,025,774,222 | 8 / 7 |
| 2026-09-17 | $9.68 | $1,025,774,222 | 8 / 7 |
| 2026-09-18 | $9.68 | $1,025,774,222 | 8 / 7 |
| 2026-09-19 | $9.68 | $1,025,774,222 | 8 / 7 |
| 2026-09-20 | $9.68 | $1,025,774,222 | 8 / 7 |
| 2026-09-21 | $9.68 | $1,025,774,222 | 8 / 7 |
| 2026-09-22 | $9.68 | $1,025,774,222 | 8 / 7 |
| 2026-09-23 | $9.63 | $1,022,985,333 | 8 / 7 |
| 2026-09-24 | $9.63 | $1,022,985,333 | 8 / 7 |
| 2026-09-25 | $9.63 | $1,022,985,333 | 9 / 7 |
| 2026-09-26 | $9.63 | $1,022,985,333 | 9 / 7 |
| 2026-09-27 | $9.63 | $1,022,985,333 | 9 / 7 |
| 2026-09-28 | $9.63 | $1,022,985,333 | 9 / 7 |
| 2026-09-29 | $9.63 | $1,022,985,333 | 9 / 7 |
| 2026-09-30 | $9.63 | $1,022,985,333 | 9 / 7 |
| 2026-10-01 | $9.63 | $1,022,985,333 | 9 / 7 |
| 2026-10-02 | $9.62 | $1,021,946,998 | 9 / 7 |
| 2026-10-03 | $9.62 | $1,021,946,998 | 9 / 7 |
| 2026-10-04 | $9.62 | $1,021,946,998 | 9 / 7 |
| 2026-10-05 | $9.62 | $1,021,946,998 | 9 / 7 |
| 2026-10-06 | $9.62 | $1,022,536,776 | 9 / 7 |
| 2026-10-07 | $9.62 | $1,022,869,220 | 9 / 7 |
| 2026-10-08 | $9.62 | $1,022,869,220 | 9 / 7 |
| 2026-10-09 | $9.64 | $1,022,869,220 | 9 / 7 |
| 2026-10-10 | $9.64 | $1,022,869,220 | 9 / 7 |
| 2026-10-11 | $9.64 | $1,022,869,220 | 8 / 6 |
| 2026-10-12 | $9.64 | $1,022,869,220 | 8 / 6 |
| 2026-10-13 | $9.64 | $1,022,869,220 | 8 / 6 |
| 2026-10-14 | $9.64 | $1,022,869,220 | 8 / 6 |
| 2026-10-15 | $9.64 | $1,022,869,220 | 8 / 7 |
| 2026-10-16 | $9.64 | $1,022,869,220 | 8 / 7 |
| 2026-10-17 | $9.64 | $1,022,869,220 | 8 / 7 |
| 2026-10-18 | $9.64 | $1,022,869,220 | 8 / 7 |
| 2026-10-19 | $9.64 | $1,022,869,220 | 8 / 7 |
| 2026-10-20 | $9.64 | $1,022,869,220 | 8 / 7 |
| 2026-10-21 | $9.64 | $1,022,869,220 | 8 / 7 |
| 2026-10-22 | $9.64 | $1,022,869,220 | 8 / 7 |
| 2026-10-23 | $9.64 | $1,022,869,220 | 8 / 7 |
| 2026-10-24 | $9.64 | $1,022,869,220 | 8 / 7 |
| 2026-10-25 | $9.64 | $1,022,869,220 | 8 / 6 |
| 2026-10-26 | $9.64 | $1,022,869,220 | 8 / 6 |
| 2026-10-27 | $9.64 | $1,022,869,220 | 8 / 6 |
| 2026-10-28 | $9.82 | $1,034,950,855 | 8 / 7 |
| 2026-10-29 | $9.82 | $1,034,950,855 | 8 / 6 |
| 2026-10-30 | $9.85 | $1,039,806,411 | 8 / 6 |
| 2026-10-31 | $9.85 | $1,039,806,411 | 8 / 7 |
| 2026-11-01 | $9.85 | $1,039,806,411 | 8 / 7 |
| 2026-11-02 | $9.85 | $1,039,806,411 | 8 / 7 |
| 2026-11-03 | $9.85 | $1,039,806,411 | 8 / 7 |
| 2026-11-04 | $9.85 | $1,042,514,713 | 8 / 7 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 7 Buy / Strong Buy · 3 Hold · 1 Sell / Strong Sell
Recent actions · Oct 6–Nov 4 · 3 recorded
3 raises · 0 cuts · 0 unchanged · 0 without a comparable prior
Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
Next earnings date unavailable
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
Review earnings4 of 4 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.