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Customers Bancorp, Inc. operates as the bank holding company for Customers Bank that provides banking products and services for commercial and consumer clients. It accepts various deposit banking products, including commercial and consumer checking accounts, non-interest-bearing and interest-bearing demand accounts, MMDA, savings accounts, and time deposit accounts. The company also offers commercial lending services comprising small and middle market business banking, specialized lending, mortgage finance, multifamily and commercial real estate lending, and commercial equipment financing; and consumer lending services, such as local-market mortgage and home equity lending, and the origination and purchase of installment loans. In addition, it provides private and digital banking services; and other financial services consisting of mobile phone banking, internet banking, wire transfers, electronic bill payment, lock box services, remote deposit capture services, courier services, merchant processing services, cash vault, controlled disbursements, positive pay, and cash management services, as well as B2B instant payments platform. The company was founded in 1997 and is headquartered in West Reading, Pennsylvania.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Customers Bancorp, Inc. is a bank holding company operating Customers Bank, which provides commercial and consumer deposit products, lending, treasury management and digital banking across multiple U.S. markets. Long-term growth may be supported by expansion of commercial lending, deposit growth and fee-income diversification, and the company appears positioned to benefit from scale in treasury services and a diversified lending platform.
Principal risks include credit losses, interest-rate sensitivity of net interest margins, regulatory and compliance requirements, and competitive pressure on deposits and lending spreads.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 288.43M | 224.37M | 330.74M | 291.30M | 441.21M |
| Net income | 224.09M | 181.47M | 250.14M | 228.03M | 314.65M |
| Selling general administrative | 221.15M | 217.52M | 134.17M | 121.23M | 201.81M |
| Selling and marketing expenses | 2.44M | 4.49M | 3.10M | 2.54M | 1.52M |
| Gross profit | 729.84M | 614.05M | 1367.36M | 632.38M | 748.54M |
| Reconciled depreciation | 41.80M | 33.55M | 31.36M | 22.98M | 17.82M |
| Ebit | 310.77M | 224.37M | 330.74M | 552.95M | 401.59M |
| Ebitda | 351.62M | 257.93M | 362.10M | 575.93M | 419.41M |
| Depreciation and amortization | 40.85M | 33.55M | 31.36M | 22.98M | 17.82M |
| Operating income | 310.77M | 224.37M | 330.74M | 552.95M | 401.59M |
| Other operating expenses | 1103.79M | 1136.56M | 3.10M | 2.54M | -346.95M |
| Interest expense | 609.10M | 673.43M | 679.91M | 261.65M | 95.81M |
| Tax provision | 64.34M | 42.90M | 65.94M | 63.26M | 86.94M |
| Interest income | 1359.59M | 1327.83M | 1291.09M | 885.37M | 780.88M |
| Net interest income | 750.49M | 654.40M | 650.08M | 623.72M | 685.07M |
| Income tax expense | 64.34M | 42.90M | 80.60M | 63.26M | 86.94M |
| Total revenue | 1414.56M | 1360.93M | 1367.36M | 632.38M | 748.54M |
| Total operating expenses | 419.07M | 389.68M | 3.10M | 2.54M | -346.95M |
| Cost of revenue | 684.72M | 746.88M | 70.56M | - | - |
| Total other income expense net | -22.34M | -1098.97M | 330.74M | -261.65M | 39.62M |
| Discontinued operations | - | - | - | - | -39.62M |
| Net income from continuing ops | 224.09M | 181.47M | 216.76M | 228.03M | 354.27M |
| Net income applicable to common shares | - | - | - | 218.40M | 300.13M |
| Preferred stock and other adjustments | - | - | - | - | 14.51M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 24895.87M | 22308.24M | 21316.26M | 20896.11M | 19575.03M |
| Intangible assets | 3.63M | 3.63M | 3.63M | - | 3.74M |
| Other current assets | - | - | 3961.11M | 15335.43M | 11317.83M |
| Total liab | 22780.35M | 20471.56M | 19677.87M | 19493.15M | 18208.81M |
| Total stockholder equity | 2115.52M | 1836.68M | 1638.39M | 1402.96M | 1366.22M |
| Deferred long term liab | - | - | - | 1.46M | 0.87M |
| Other current liab | 15744.29M | 18846.46M | 17890.54M | -300.00M | -951.13M |
| Common stock | 36.19M | 35.76M | 35.46M | 35.01M | 34.72M |
| Capital stock | 36.19M | 173.55M | 173.25M | 172.81M | 172.52M |
| Retained earnings | 1535.19M | 1326.01M | 1159.58M | 924.13M | 705.73M |
| Other liab | - | - | - | 9.60M | 12.84M |
| Good will | 3.63M | - | - | - | - |
| Other assets | 6171.41M | 5801.12M | 114.77M | 1981.34M | 11317.83M |
| Cash | 62.05M | 3785.93M | 3846.35M | 455.81M | 518.03M |
| Total current liabilities | 15751.73M | 18946.46M | 17920.24M | 230.67M | 951.13M |
| Net debt | 1643.37M | -2376.00M | -2337.07M | 949.73M | 586.73M |
| Short term debt | 7.44M | 100.00M | 29.70M | 300.00M | 700.00M |
| Short long term debt | - | 100.00M | 3.21M | 300.00M | 700.00M |
| Short long term debt total | 1705.42M | 1409.93M | 1509.28M | 1405.53M | 1104.76M |
| Other stockholder equity | 598.18M | 433.68M | 442.13M | 469.12M | 492.95M |
| Property plant equipment | - | - | - | 221.03M | 8.89M |
| Total current assets | 165.68M | 6128.88M | 6572.45M | 18902.12M | 4427.42M |
| Long term investments | 2666.78M | 3011.63M | 3508.81M | 3827.76M | 3817.15M |
| Net tangible assets | - | - | - | 1261.54M | 1224.69M |
| Short term investments | 1937.65M | 2019.69M | 2405.64M | 2987.50M | 3817.15M |
| Net receivables | 103.63M | 323.25M | 320.47M | 123.37M | 92.24M |
| Long term debt | 1705.42M | 1309.93M | 1506.07M | 1105.53M | 1104.76M |
| Inventory | - | - | -16691.41M | - | - |
| Accounts payable | - | - | - | 230.67M | 251.13M |
| Accumulated other comprehensive income | -54.05M | -96.56M | -136.57M | -163.10M | -4.98M |
| Common stock total equity | - | - | - | - | 34.72M |
| Preferred stock total equity | - | - | - | - | 137.79M |
| Retained earnings total equity | - | - | - | - | 705.73M |
| Treasury stock | - | - | - | - | -49.44M |
| Non currrent assets other | 898.25M | 660.35M | 562.87M | -3827.76M | -3829.78M |
| Non current assets total | 24730.19M | 16179.36M | 14743.81M | 12.65M | 3829.78M |
| Long term debt total | - | - | - | - | 404.76M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | 326.93M | -1006.09M | 1783.87M | -1298.41M | -2619.47M |
| Change to liabilities | - | - | - | 0.00M | 102.98M |
| Total cashflows from investing activities | -2056.95M | -1006.09M | 3157.72M | -1298.41M | -1201.26M |
| Net borrowings | 288.35M | -95.00M | 400.00M | -75.00M | -4641.22M |
| Total cash from financing activities | 2187.73M | 800.62M | 108.09M | 1257.01M | 754.77M |
| Change to operating activities | - | - | - | -20.99M | 102.98M |
| Net income | 224.09M | 181.47M | 250.14M | 228.03M | 354.27M |
| Change in cash | 625.53M | -60.41M | 3390.54M | -62.23M | -175.32M |
| Begin period cash flow | 3785.93M | 3846.35M | 455.81M | 518.03M | 693.35M |
| End period cash flow | 4411.46M | 3785.93M | 3846.35M | 455.81M | 518.03M |
| Total cash from operating activities | 494.76M | 145.06M | 124.73M | -20.82M | 271.16M |
| Issuance of capital stock | 165.85M | 1.76M | 0.41M | 0.53M | 27.76M |
| Depreciation | 37.86M | 33.55M | 31.81M | 27.16M | 21.67M |
| Other cashflows from investing activities | -2089.76M | -1620.63M | 2400.41M | 8.63M | -37.68M |
| Dividends paid | 10.80M | 15.15M | 14.64M | -9.33M | -10.83M |
| Change to inventory | - | - | -18.68M | - | - |
| Change to account receivables | -26.15M | -99.98M | 23.58M | -3.59M | 46.66M |
| Sale purchase of stock | -148.14M | -19.24M | -39.81M | -33.16M | -110.16M |
| Other cashflows from financing activities | 1892.47M | 928.25M | -240.58M | 1398.97M | 5263.02M |
| Change to netincome | - | - | - | -251.43M | -214.79M |
| Capital expenditures | 13.74M | 65.19M | 41.34M | 113.35M | 32.95M |
| Cash flows other operating | - | - | - | - | 145.87M |
| Cash and cash equivalents changes | - | - | - | - | -150.95M |
| Change in working capital | 55.28M | -132.81M | 42.26M | -24.59M | 149.64M |
| Stock based compensation | 18.46M | 14.44M | 12.59M | 14.15M | 13.86M |
| Other non cash items | 170.06M | 49.55M | -234.25M | -272.49M | -286.02M |
| Free cash flow | 481.02M | 79.87M | 83.39M | -134.17M | 238.21M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| CUBI Customers Bancorp, Inc. |
0.15 0.17% |
86.68 | 9.54 | 8.26 | 3.22 | 1.21 | 5.51 |
| DBSDY DBS Group Holdings Ltd ADR |
0.20 0.09% |
231.02 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
-0.36 1.07% |
33.16 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
- -% |
84.14 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
Customers Bancorp, Inc. operates as the bank holding company for Customers Bank that provides banking products and services for commercial and consumer clients. It accepts various deposit banking products, including commercial and consumer checking accounts, non-interest-bearing and interest-bearing demand accounts, MMDA, savings accounts, and time deposit accounts. The company also offers commercial lending services comprising small and middle market business banking, specialized lending, mortgage finance, multifamily and commercial real estate lending, and commercial equipment financing; and consumer lending services, such as local-market mortgage and home equity lending, and the origination and purchase of installment loans. In addition, it provides private and digital banking services; and other financial services consisting of mobile phone banking, internet banking, wire transfers, electronic bill payment, lock box services, remote deposit capture services, courier services, merchant processing services, cash vault, controlled disbursements, positive pay, and cash management services, as well as B2B instant payments platform. The company was founded in 1997 and is headquartered in West Reading, Pennsylvania.
701 Reading Avenue, West Reading, PA, United States, 19611
610 933 2000
885
| Name | Title | Year Born |
|---|---|---|
| Mr. Jay S. Sidhu | Founder, Chairman & CEO | 1952 |
| Mr. Samvir S. Sidhu | Pres & Vice Chairman | NA |
| Ms. Carla A. Leibold | Exec. VP & CFO | 1967 |
| Mr. Andrew Hertz Bowman | Sr. EVP, Chief Credit Officer | 1968 |
| Mr. Lyle P. Cunningham | Exec. VP & Chief Lending Officer | 1964 |
| Mr. Jessie John Deano Velasquez | Exec. VP & Chief Accounting Officer | 1979 |
| Mr. Andrew B. Sachs Esq. | Exec. VP, Gen. Counsel & Corp. Sec. | NA |
| Mr. David W. Patti | Director of Communications | NA |
| Mr. Robert Fischer | Sr. VP, Relationship Mang. and Member of the Lending Team | NA |
| Mr. Timothy D. Romig | Regional Chief Lending Officer | NA |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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