Customers Bancorp, Inc. (CUBI)
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
$87.17+1.99%
Close 2026-11-04 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
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 sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -6.3% |
| Our one-year growth estimate | diamond | -22.4% |
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 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
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 16.1 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
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: Non-performing loans rose from 0.17% a year ago to 0.29% in Q3. A further rise could point to weaker loan quality.
Worry ifThe next report shows non-performing loans above 0.31% of total loans, the Q2 level.
Less concerning ifThe next report shows non-performing loans at or below 0.29% of total loans.
Why it matters: Q3 margin was 3.19%, and management gave a September run rate of about 3.25%. A rise would show that loan funding is catching up with deposit growth.
Supportive ifQ4 net interest margin is above 3.19%, the Q3 reported level.
Worry ifQ4 net interest margin is at or below 3.19%.
Why it matters: Loans rose 2.8% in Q3, after 3.6% in Q2. Another strong quarter would support management's growth plan.
Supportive ifQ4 total loans rise at least 2.5% from Q3's $18.5 billion.
Worry ifQ4 total loans rise less than 1% from Q3, or fall.
Why it matters: The Q2 pilot closed selected loans in seven days, versus 30 to 60 days before. Wider use would test whether AI saves time at scale.
Supportive ifManagement says more teams use the AI loan process. It keeps selected loan closings near seven days.
Worry ifManagement reports that loan closing times remain near 30 to 60 days, or that use of the AI process stalls.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$88 on $10,000 · ±0.9% | How much price usually moves either way. |
| Bad day | $273 loss on $10,000 · 2.7% | 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.