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Customers Bancorp

CUBI
73
Banks - Regional · Financial Services
Winston Score
73
Winston is happy
A high-quality business with solid fundamentals.
Data as of Aug 23, 2026 · filings through Jun 30, 2026
How the score breaks down
Bank Quality
Strong
Growth
Strong
Capital Strength
Exceptional
Asset Quality
Strong
Valuation
Strong
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Winston Score History

The full picture

Customers Bancorp is a regional bank headquartered in Pennsylvania that takes deposits from individuals and businesses and lends that money out as loans. It serves small and mid-sized businesses, real estate investors, and everyday consumers across the northeastern United States. The bank is known for its digital-first approach, including a blockchain-based payments platform called CBIT that it built to serve cryptocurrency and fintech companies.

Customers Bancorp makes money the traditional banking way — it earns interest on loans and charges fees for services, keeping the difference between what it pays depositors and what borrowers pay back. It operates mainly in Pennsylvania, New York, New Jersey, and a few other states, with roughly $22 billion in total assets, making it a mid-sized regional bank. The shutdown of its CBIT platform in 2023 removed a key differentiator, and the bank now faces the challenge of finding new growth drivers while managing credit quality in a higher interest rate environment.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-12.0% YoY

YoY Growth Rate

Revenue declining

EPS Growth

+19.8% YoY

YoY Growth Rate

Steady EPS growth

Insider Activity

7.5%ownership

↑ Rising

Insiders increasing their stake — aligned with shareholders

Cash Position

Cash flow positive

$6.8B cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

Customers Bancorp's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Bank Quality

Return on owners' money
Return on Equity
13.0%
no trend
Strong — 13.0% return on equity

Standard mid-range return on equity. Acceptable.

Profit on lending
Net Interest Margin
3.23%
no trend
Healthy — 3.23% net interest margin
Cost of running the bank
Efficiency Ratio
48.4%
no trend
Very lean — spends 48.4¢ to earn a dollar

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Growth

Sales growth
Sales YoY
+13.0%
Fast-growing sales (+13.0% YoY)
Profit growth
EPS YoY
+103.6%
Earnings growing fast (+103.6% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is
EPS Consistency
5/8 quarters
Mixed — about half the quarters showed growth

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Capital Strength

Safety cushion
Capital Ratio
13.8%
no trend
Fortress balance sheet — 13.8% CET1

A strong capital cushion. This bank is well padded against a bad year.

Asset Quality

Loans not being repaid
Non-Performing Loans
0.30%
no trend
Clean loan book — 0.30% non-performing

Under half a percent of loans are going bad. A very clean loan book.

Loans written off
Net Charge-Offs
0.31%
no trend
Moderate — 0.31% net charge-offs

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Valuation

Price vs profit
P/E Ratio (TTM)
9.4x
no trend
Attractive valuation — P/E 9.4

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year
P/E vs Forward
+0.1
GROWING
Earnings roughly flat

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Dividends

Not applicable for this business.
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