Customers Bancorp, Inc. (CUBI)
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
$81.07+1.80%
Close 2026-09-04 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · CUBI
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance dropped from the top half to the bottom half of its industry over the past month — the reason to own it has weakened.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -30.9% |
| Our one-year growth estimate | diamond | -20.8% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 10.1 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
CUBI — CFO transition
Dated 2026-07-27
Mark R. McCollom: The employment agreement was amended to include changes in the term of employment, notice period, severance benefits, and restrictive covenants.
Why it matters: If net interest income goes up, it shows profits are recovering after a recent drop.
Supportive ifNet interest income increases to at least $200 million in Q3 2026.
Worry ifNet interest income remains below $193 million in Q3 2026.
Why it matters: Strong revenue growth in Q2 would indicate Customers Bancorp is on track with its growth priorities.
Supportive ifQ2 earnings report shows revenue growth of more than 7% year over year.
Worry ifQ2 earnings report shows revenue growth of 7% or less year over year.
Why it matters: Strong loan growth helps Customers Bancorp keep making money.
Supportive ifQ3 loan growth is over 3.6% from last quarter. This shows strong demand.
Worry ifQ3 loan growth is below 3.6% from last quarter. This may show a slowdown.
Why it matters: Growing deposits is key for funding loans and keeping liquidity.
Supportive ifTotal deposits go up by more than 0.6% this quarter in Q3 2026.
Worry ifIf deposit growth is below 0.6%, it raises worries about funding.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$103 on $10,000 · ±1.0% | How much price usually moves either way. |
| Bad day | $276 loss on $10,000 · 2.8% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $2,031 loss on $10,000 · 20.3% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: Active stock buybacks show management's confidence. No buybacks may show caution.
Supportive ifStock buybacks over $25 million were announced in Q2.
Worry ifNo stock repurchases announced in Q2.
Why it matters: Slow deposit growth may show customers are less confident. It could also mean more competition.
Worry ifQ3 deposit growth is over 0.6% from last quarter. This shows customer trust.
Less concerning ifQ3 deposit growth is below 0.6% from last quarter. This may show problems.
Why it matters: Strong deposits from new teams may show good integration and growth chances.
Supportive ifNew commercial banking teams add at least $200 million in deposits in Q3 2026.
Worry ifNew teams contribute less than $100 million in deposits in Q3 2026.
Why it matters: Customers Bancorp is making more money. This shows they are managing costs better.
Supportive ifOperating income increases by more than 10% in Q2 earnings.
Worry ifOperating income growth is flat or declines in Q2 earnings.
Why it matters: This report shows how well the company is doing. It explains if their plans are working.
Watch forEarnings per share exceed $2.05 in the Q3 2026 report.
Also watch forEarnings per share fall below $1.97 in the Q3 2026 report.
Why it matters: Revenue growth below 12% could signal a slowdown in Customers Bancorp's growth initiatives. This is key for their strategy.
Worry ifSector revenue growth drops below 12% year over year.
Less concerning ifSector revenue growth remains at or above 12% year over year.
Why it matters: Loan growth above 3.6% shows strong demand and good growth strategies.
Supportive ifQ3 2026 total loans increase more than 3.6% from Q2 2026.
Worry ifLoan growth falls below 3.6% in Q3 2026.
Why it matters: Faster loan closing times show that AI is working well. This helps customers and saves time.
Supportive ifLoan closing times drop below 7 days for more transactions in Q3 2026.
Worry ifLoan closing times stay at or above 7 days with no improvement.
Why it matters: Slower growth in non-interest bearing deposits may mean it is harder to get low-cost funding.
Worry ifNon-interest bearing deposits grow less than $174 million in Q3 2026.
Less concerning ifNon-interest bearing deposits grow more than $174 million in Q3 2026.
Why it matters: A higher efficiency ratio means costs are rising compared to revenue. This can hurt profits.
Worry ifQ3 2026 efficiency ratio is over 50.55%.
Less concerning ifEfficiency ratio improves or stays below 50.55% in Q3 2026.