The earnings call reflects a strong financial performance with significant growth in loans, deposits, and net interest margin. The transition in leadership and strategic emphasis on technology and innovation are viewed positively. While there are some operational challenges, such as the impact of deposit cost changes and the reduction in brokered deposits, the overall outlook remains optimistic.

Company Guidance -

Q3 2025

During the Customers Bancorp, Inc. Second Quarter 2025 Earnings Call, the company reported several key financial metrics and positive updates. Customers Bancorp exceeded consensus estimates, with core earnings per share (EPS) reaching $1.80, reflecting a 35% growth, surpassing their previous year's core EPS by 30%. The company's core return on common equity (ROCE) and return on average assets (ROAA) were 13.3% and 1.1%, respectively. The net interest margin expanded by 14 basis points to 3.27%, and net interest income grew by 6% to $176.7 million. The efficiency ratio improved to 51.6%, while the tangible book value per share increased to $56.24. Additionally, Customers Bancorp's deposits remained steady at $19 billion, with a $300 million increase from new commercial banking teams, and noninterest-bearing deposits accounted for 29% of total deposits. The company also raised its full-year loan growth guidance to 8%-11% and net interest income growth to 7%-10%. Furthermore, the company's proprietary payments platform, cubiX, processed about $1 trillion in payments volume year-to-date, contributing significantly to its financial performance.

Strong Quarter Performance

Reported results that materially exceed the consensus Street estimates. Core EPS of $1.80 with core ROE and ROAA of 13.3% and 1.1% respectively.

Loan and Deposit Growth

Annualized loan growth of 8% with diversified contributions. Nearly $300 million in deposit growth from new commercial banking teams.

Net Interest Margin Expansion

Net interest margin expanded by 14 basis points quarter-over-quarter to 3.27%, marking the third consecutive quarter of NIM improvement.

Leadership Transition

Jay S. Sidhu will transition to the role of Executive Chairman and Sam Sidhu will assume the role of CEO of Customers Bancorp effective January 1, 2026.

Recognition and Achievements

Customers Bank has been the #1 financial performer in EPS and in book value growth over the last 5 years and the #1 performing U.S. bank stock over a 5-year period.

cubix Platform Success

cubix processed about $1.5 trillion in payments volume in 2024, ranking it #3 behind Amex and Visa Commercial. July is expected to be the most active month on the platform to date.

Customers Bancorp (CUBI) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

CUBI Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 22, 2025	2025 (Q3)	1.90 / -	1.31	―	―	―
Jun 30, 2025	2025 (Q2)	1.53 / 1.73	1.66	4.22% (+0.07)	―	―
Apr 24, 2025	2025 (Q1)	1.30 / 0.29	1.4	-79.29% (-1.11)
Jan 23, 2025	2024 (Q4)	1.19 / 0.71	1.79	-60.34% (-1.08)
Oct 31, 2024	2024 (Q3)	1.43 / 1.31	2.58	-49.22% (-1.27)
Jul 25, 2024	2024 (Q2)	1.43 / 1.66	1.39	19.42% (+0.27)
Apr 25, 2024	2024 (Q1)	1.63 / 1.40	1.55	-9.68% (-0.15)
Jan 25, 2024	2023 (Q4)	1.69 / 1.79	0.77	132.47% (+1.02)
Oct 26, 2023	2023 (Q3)	1.59 / 2.58	1.85	39.46% (+0.73)
Jul 27, 2023	2023 (Q2)	1.46 / 1.39	1.68	-17.26% (-0.29)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

CUBI Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jun 30, 2025	$58.74	$62.13	+5.77%
Apr 24, 2025	$50.33	$48.85	-2.94%
Jan 23, 2025	$50.35	$57.35	+13.90%
Oct 31, 2024	$46.13	$45.68	-0.98%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Customers Bancorp (CUBI) report earnings?

Customers Bancorp (CUBI) is schdueled to report earning on Oct 22, 2025, After Close (Confirmed).

What is Customers Bancorp (CUBI) earnings time?

Customers Bancorp (CUBI) earnings time is at Oct 22, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is CUBI EPS forecast?

CUBI EPS forecast for the fiscal quarter 2025 (Q3) is 1.9.

Become an Expert with TipRanks Premium

What am I Missing?

Make informed decisions based on Top Analysts' activity

Know what industry insiders are buying

Get actionable alerts from top Wall Street Analysts

Find out before anyone else which stock is going to shoot up

Get powerful stock screeners & detailed portfolio analysis

Subscribe Now See Plans & Pricing