CUBI
Customers Bancorp Inc (CUBI) Q2 2026 Earnings Call Highlights: Record Growth in Loans and ...
Article Summary
HOLD- Customers Bancorp Inc. (NASDAQ: CUBI) reported record loan growth, record deposits, and record net interest income driven by record non-interest-bearing deposits.
- Net interest income increased 9% year over year, EPS reached a record $2.05, and tangible book value reached $65.20, up 16% year-over-year, with NII up 9% and NIM at 3.17%, while the net interest margin dropped to its lowest level since early 2026.
- Digital asset trading activity declined, and Customers Bancorp continued remixing less strategic deposits, signaling potential deposit quality challenges.
- The company expects continued margin expansion driven by lower interest-bearing deposit costs and continued AI-driven efficiency improvements.
- A 20% real estate payments growth target for 2027 is considered a medium-term goal based on operational forecasts.
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Growth Stock Scoring Breakdown
| METRIC | VALUE | WEIGHT | ANALYSIS |
|---|---|---|---|
| Sales Growth TTM ? | 11.6% | 25% | 50.0 ptsMeets Minimum (11.6%) - Passes screener |
| EPS Growth Next 5Y ? | 19.5% | 25% | 50.0 ptsMeets Minimum (19.5%) - Passes screener |
| Target Price Upside ? | 20.8% | 20% | 70.0 ptsGood Upside (20.8%) - Target: $92.45 vs Current: $76.52 |
| Gross Margin % ? | — | 15% | 40.0 ptsNo Gross Margin Data |
| Drawdown from 52-Wk High ? | -7.3% | 15% | 20.0 ptsBarely a Dip (-7.3%) - Near recent highs |
Disclaimer: This rating is for informational purposes only and is not financial advice.
All data sourced from Finviz.
Always conduct your own research and consult with a financial advisor before making investment decisions.
Past performance does not guarantee future results.
About CUBI
- Customers Bancorp, Inc. operates as the bank holding company for Customers Bank that provides banking products and services.
- It provides deposit banking products, which includes commercial and consumer checking, non-interest-bearing and interest-bearing demand, MMDA, savings, and time deposit accounts, as well as individual retirement accounts and non-retail time deposits consisting of jumbo certificates.
- The company's lending business offers commercial and industrial, commercial real estate, and multifamily and residential mortgage loans; SBA lending; mortgage finance; specialty lending includes fund finance, real estate specialty finance, technology and venture, and healthcare and financial institutions group; commercial loans to mortgage companies, and commercial equipment financing; fund finance, such as variable rate loans secured by collateral pools to private debt funds; and cash management services.
- In addition, it provides digital banking, such as Banking-as-a-Service to fintech companies; payments and treasury services to businesses; consumer loans through fintech companies; and the TassatPay, an instant blockchain-based digital payments platform which offers instant payments, including over-the-counter desks, exchanges, liquidity providers, market makers, funds, title companies, and other B2B verticals.
- Further, the company offers mobile phone and internet banking, wire transfers, electronic bill payment, lock box, remote deposit capture, courier, merchant processing, cash vault, controlled disbursements, positive pay, and cash management services comprising account reconciliation, collections, and sweep accounts.
- The company was founded in 1997 and is headquartered in West Reading, Pennsylvania.