Customers Bancorp, Inc. (NYSE:CUBI) Accelerates Capital Raise And Readies Preferred Redemption

Capital actions this quarter shift liquidity and capital structure while momentum indicators show renewed bullish pressure; valuation metrics and cash-flow signals frame a conditional near-term bias.

Recent News

On September 3, 2025 Customers Bancorp launched and priced a $150.0 million voting common stock offering at $68.50 per share. On October 30, 2025 the company declared a quarterly cash dividend on its Series F preferred and announced full redemption of all Series F preferred shares, with a December 15, 2025 redemption date. In early November 2025 several analysts raised price targets and maintained predominantly buy/hold views, and on November 24, 2025 the stock’s Relative Strength rating received an upgrade.

Technical Analysis

Directional indicators (ADX / DI+ / DI-): ADX at 15.71 indicates no established trend; DI+ shows a dip-and-reversal, which reads as a bullish reacceleration, while DI- decreasing further supports bullish directional pressure. Together, momentum currently favors upside attempts but lacks strong trend strength.

MACD: MACD at 0.37 sits above its signal line at 0.13 and the MACD series shows a dip-and-reversal pattern, signaling a return of bullish momentum that aligns with recent positive directional indicator shifts and supports the possibility of near-term upside toward WMDST’s valuation anchors.

MRO (Momentum/Regression Oscillator): MRO at 24.4 registers positive, indicating the price sits above the model target and implies potential mean-reversion downward pressure; the MRO’s dip-and-reversal shows recent upward momentum in the oscillator itself, creating a tension between momentum and mean-reversion signals that may compress short-term range.

RSI and momentum breadth: RSI at 52.79 with a dip-and-reversal indicates regained buying momentum without overbought conditions, consistent with MACD and DI+ behavior and supporting a constructive near-term price bias while trend strength remains muted.

Price vs. moving averages and bands: Current close at $68.90 lies above the 20-day ($66.85), 50-day ($66.20) and 200-day ($59.00) averages, with the close near the 1x upper Bollinger band ($68.92). That placement suggests momentum-driven price leadership but low ADX cautions against assuming a durable breakout; volume current at 127,732 lags 10/50/200-day averages, signaling limited participation behind the move.

 


Fundamental Analysis

Earnings and estimates: Trailing EPS stands at $2.20 versus an estimate of $1.93, producing an EPS surprise of +14.0%. Forward EPS reads $1.535 with a forward P/E of 42.14, while the reported P/E is $29.37; the P/E contracted QoQ by -6.85% and YoY by -17.64%.

Profitability and returns: Return on assets equals 0.324% and return on equity equals 3.706%; both sit modestly above the industry peer mean values provided (ROA industry peer mean 0.306%, ROE industry peer mean 2.854%), indicating profitability slightly ahead of regional-bank peer averages on the supplied basis.

Growth and cash flow: Reported revenue growth equals 12.70% (provided as 0.12697), while revenue growth QoQ shows -72.53% and YoY -177.805% in the supplied data fields; earnings growth registers +22.22% overall with a QoQ increase of +31.62% but a negative YoY figure in the supplied fields. Free cash flow yield equals 2.60% (slightly below the industry peer mean of 2.70%), and free-cash-flow growth shows contraction over the recent periods in the supplied data.

Capital structure and leverage: Debt-to-assets stands at 6.09%, marginally above the industry peer mean of 5.60%, while debt-to-equity equals 0.7228 and debt-to-capital 41.96%. Cash on hand totals $4,185,639,000 with operating cash flow at $116,914,000 and free cash flow of $57,438,000; dividend payout remains minimal at 2.65% of earnings and dividend yield at approximately 0.09%.

Valuation context: Book value per share registers $59.83 while price-to-book equals 1.0801, which sits below the industry peer mean book multiple of 1.24713 and below the industry peer median of 1.17214. WMDST values the stock as under-valued based on the provided valuation outputs and company cash-flow and capital metrics.

MOST-RECENT QUARTERLY REPORT
REPORT PERIOD ENDING: 2025-09-30
REPORT DATE: 2025-10-23
NEXT REPORT DATE: 2026-01-22
CASH FLOW  Begin Period Cash Flow $ 3.5 B
 Operating Cash Flow $ 116.9 M
 Capital Expenditures $ -59.48 M
 Change In Working Capital $ 13.1 M
 Dividends Paid $ -2.01 M
 Cash Flow Delta $ 682.1 M
 End Period Cash Flow $ 4.2 B
 
INCOME STATEMENT REVENUE
 Total Revenue $ 227.9 M
 Forward Revenue $ 39.5 M
COSTS
 Cost Of Revenue —
 Depreciation $ 1.9 M
 Depreciation and Amortization $ 1.9 M
 Research and Development —
 Total Operating Expenses —
PROFITABILITY
 Gross Profit —
 EBITDA —
 EBIT —
 Operating Income —
 Interest Income $ 361.5 M
 Interest Expense $ 159.6 M
 Net Interest Income $ 201.9 M
 Income Before Tax $ 100.3 M
 Tax Provision $ 24.6 M
 Tax Rate 24.5 %
 Net Income $ 75.7 M
 Net Income From Continuing Operations $ 75.7 M
EARNINGS
 EPS Estimate $ 1.93
 EPS Actual $ 2.20
 EPS Difference $ 0.27
 EPS Surprise 13.99 %
 Forward EPS $ 1.53
 
BALANCE SHEET ASSETS
 Total Assets $ 24.3 B
 Intangible Assets $ 3.6 M
 Net Tangible Assets $ 2.1 B
 Total Current Assets —
 Cash and Short-Term Investments —
 Cash $ 4.2 B
 Net Receivables $ 106.4 M
 Inventory —
 Long-Term Investments —
LIABILITIES
 Accounts Payable —
 Short-Term Debt $ 50.0 M
 Total Current Liabilities —
 Net Debt —
 Total Debt $ 1.5 B
 Total Liabilities $ 22.1 B
EQUITY
 Total Equity $ 2.0 B
 Retained Earnings $ 1.5 B
VALUATION & PER-SHARE METRICS EQUITY & PER-SHARE METRICS
 Book Value Per-Share $ 59.83
 Shares Outstanding 34.164 M
 Revenue Per-Share $ 6.67
VALUATION
 Market Capitalization $ 2.2 B
 Enterprise Value $ 3.7 B
 Enterprise Multiple —
Enterprise Multiple QoQ —
Enterprise Multiple YoY —
Enterprise Multiple IPRWA —
 EV/R 16.166
CAPITAL STRUCTURE
 Asset To Equity 11.87
 Asset To Liability 1.096
 Debt To Capital 0.42
 Debt To Assets 0.061
Debt To Assets QoQ -7.023 %
Debt To Assets YoY -6.581 %
Debt To Assets IPRWA high: 0.165
CUBI: 0.061
mean: 0.056
median: 0.053
low: 0.0
 Debt To Equity 0.723
Debt To Equity QoQ -12.835 %
Debt To Equity YoY -14.041 %
Debt To Equity IPRWA high: 1.525
CUBI: 0.723
mean: 0.51
median: 0.455
low: -0.109
PRICE-BASED VALUATION
 Price To Book (P/B) 1.08
Price To Book QoQ 7.254 %
Price To Book YoY 19.954 %
Price To Book IPRWA high: 2.042
mean: 1.247
median: 1.172
CUBI: 1.08
low: 0.284
 Price To Earnings (P/E) 29.372
Price To Earnings QoQ -6.85 %
Price To Earnings YoY -17.639 %
Price To Earnings IPRWA high: 75.793
mean: 42.908
median: 41.768
CUBI: 29.372
low: 9.669
 PE/G Ratio 1.322
 Price To Sales (P/S) 9.685
Price To Sales QoQ 9.195 %
Price To Sales YoY 5.611 %
Price To Sales IPRWA high: 24.051
mean: 12.82
median: 12.491
CUBI: 9.685
low: 0.117
FORWARD MULTIPLES
Forward P/E 42.144
Forward PE/G 1.896
Forward P/S 55.956
EFFICIENCY OPERATIONAL
 Operating Leverage —
ASSET & SALES
 Asset Turnover Ratio 0.01
Asset Turnover Ratio QoQ 8.343 %
Asset Turnover Ratio YoY 26.494 %
Asset Turnover Ratio IPRWA high: 0.016
mean: 0.01
median: 0.01
CUBI: 0.01
low: 0.005
 Receivables Turnover 2.193
Receivables Turnover Ratio QoQ 12.383 %
Receivables Turnover Ratio YoY 53.335 %
Receivables Turnover Ratio IPRWA high: 4.407
median: 2.631
mean: 2.617
CUBI: 2.193
low: 0.56
 Inventory Turnover —
Inventory Turnover Ratio QoQ —
Inventory Turnover Ratio YoY —
Inventory Turnover Ratio IPRWA —
 Days Sales Outstanding (DSO) 41.606
CASH CYCLE
 Cash Conversion Cycle Days (CCC) 41.606
Cash Conversion Cycle Days QoQ —
Cash Conversion Cycle Days YoY —
Cash Conversion Cycle Days IPRWA high: 56.945
CUBI: 41.606
mean: 35.694
median: 34.679
low: 20.707
CAPITAL DEPLOYMENT
 Cash Conversion Ratio —
 CapEx To Revenue -0.261
 CapEx To Depreciation -31.353
 
CAPITAL, LIQUIDITY & COVERAGE CAPITAL STRUCTURE
 Total Capital $ 3.6 B
 Net Invested Capital $ 3.5 B
 Invested Capital $ 3.5 B
 Net Tangible Assets $ 2.1 B
 Net Working Capital —
LIQUIDITY
 Cash Ratio —
 Current Ratio —
Current Ratio QoQ —
Current Ratio YoY —
Current Ratio IPRWA —
 Quick Ratio —
Quick Ratio QoQ —
Quick Ratio YoY —
Quick Ratio IPRWA —
COVERAGE & LEVERAGE
 Debt To EBITDA —
 Cost Of Debt 8.155 %
 Interest Coverage Ratio —
Interest Coverage Ratio QoQ —
Interest Coverage Ratio YoY —
Interest Coverage Ratio IPRWA —
 Operating Cash Flow Ratio —
TIMING / LIQUIDITY
 Days Payables Outstanding (DPO) —
DIVIDENDS
 Dividend Coverage Ratio 37.74
 Dividend Payout Ratio 0.026
 Dividend Rate $ 0.06
 Dividend Yield 0.001
PERFORMANCE GROWTH
 Asset Growth Rate 7.58 %
 Revenue Growth 12.697 %
Revenue Growth QoQ -72.527 %
Revenue Growth YoY -177.805 %
Revenue Growth IPRWA high: 23.369 %
CUBI: 12.697 %
mean: 4.879 %
median: 4.033 %
low: -9.66 %
 Earnings Growth 22.222 %
Earnings Growth QoQ 31.624 %
Earnings Growth YoY -320.741 %
Earnings Growth IPRWA high: 63.889 %
CUBI: 22.222 %
median: 8.511 %
mean: 7.788 %
low: -37.5 %
MARGINS
 Gross Margin —
Gross Margin QoQ —
Gross Margin YoY —
Gross Margin IPRWA —
 EBIT Margin —
EBIT Margin QoQ —
EBIT Margin YoY —
EBIT Margin IPRWA —
 Return On Sales (ROS) —
Return On Sales QoQ —
Return On Sales YoY —
Return On Sales IPRWA —
CASH FLOW
 Free Cash Flow (FCF) $ 57.4 M
 Free Cash Flow Yield 2.602 %
Free Cash Flow Yield QoQ -66.335 %
Free Cash Flow Yield YoY 213.117 %
Free Cash Flow Yield IPRWA high: 9.814 %
mean: 2.701 %
median: 2.661 %
CUBI: 2.602 %
low: -3.401 %
 Free Cash Growth -58.575 %
Free Cash Growth QoQ -173.232 %
Free Cash Growth YoY -74.139 %
Free Cash Growth IPRWA high: 435.53 %
mean: 17.858 %
median: 4.44 %
CUBI: -58.575 %
low: -394.679 %
 Free Cash To Net Income 0.758
 Cash Flow Margin 31.914 %
 Cash Flow To Earnings 0.96
VALUE & RETURNS
 Economic Value Added $ 0.05
 Return On Assets (ROA) 0.324 %
Return On Assets QoQ 19.557 %
Return On Assets YoY 47.273 %
Return On Assets IPRWA high: 0.657 %
CUBI: 0.324 %
mean: 0.306 %
median: 0.301 %
low: 0.027 %
 Return On Capital Employed (ROCE) —
 Return On Equity (ROE) 0.037
Return On Equity QoQ 8.331 %
Return On Equity YoY 31.886 %
Return On Equity IPRWA high: 0.052
CUBI: 0.037
median: 0.03
mean: 0.029
low: 0.002
 DuPont ROE 3.961 %
 Return On Invested Capital (ROIC) —
Return On Invested Capital QoQ —
Return On Invested Capital YoY —
Return On Invested Capital IPRWA —

Six-Week Outlook

Momentum indicators show renewed bullish pressure but ADX signals no established trend; expect price action to trade with upward bias while oscillators attempt to confirm strength. Key dynamics to monitor include participation (volume relative to 10/50-day averages), whether MACD maintains its position above its signal line, and whether DI+ continues to strengthen relative to DI-. The company’s recent $150M common offering and scheduled Series F preferred redemption will change capital structure and liquidity; watch for balance-sheet confirmations in subsequent filings. If participation increases alongside sustained MACD and DI+ strength, expect continuation of the current constructive bias; if volume stays muted and MRO pressure persists, anticipate a consolidating range nearer to WMDST’s valuation anchors.

About Customers Bancorp, Inc.

Customers Bancorp, Inc. (NYSE:CUBI) serves as the holding company for Customers Bank, a financial institution headquartered in West Reading, Pennsylvania. Since 2010, Customers Bancorp has played a significant role in the banking industry, delivering a wide array of financial products and services to individual consumers and small to middle-market businesses. The company offers various deposit options, including commercial and consumer checking accounts, savings accounts, and time deposits. On the lending side, Customers Bancorp provides an extensive selection of loan products, such as commercial and industrial loans, real estate financing, and multifamily and residential mortgages. The company also focuses on SBA lending, fund finance, and technology and venture lending. Beyond traditional banking services, Customers Bancorp leads in digital banking innovation. They offer Banking-as-a-Service to fintech companies and utilize a blockchain-based platform, TassatPay, for instant B2B payments. Their digital offerings also include mobile and internet banking, cash management, and treasury services, ensuring a comprehensive suite of financial solutions. Customers Bancorp remains committed to evolving with the financial landscape, prioritizing innovation and customer service.



© 2025 WMDST — The World’s Most Dangerous Swing Trader. All rights reserved.