Overall, the earnings call reflects a positive sentiment, highlighting strong financial performance, strategic growth in deposits and loans, and a promising expansion of the cubix platform. While there are challenges such as increased professional fees and the need to manage brokered deposits, the bank's achievements and strategic initiatives position it well for future growth.

Company Guidance

During the Customers Bancorp, Inc. Second Quarter 2025 Earnings Call, the company provided a positive outlook for the remainder of the year, adjusting several key guidance metrics. The company increased its full-year loan growth projection to 8%-11% from the previous 7%-10%. Net interest income (NII) growth is now expected between 7%-10%, up from 3%-7%, reflecting strong balance sheet performance. The efficiency ratio guidance has been revised with a bias towards the lower end, indicating improved cost management. Key highlights from the quarter included a net interest margin (NIM) expansion of 14 basis points to 3.27%, deposit growth of nearly $300 million, and an annualized loan growth rate of 8%. The tangible book value per share rose to $56.24, continuing a trend of double-digit annual growth. The company's core earnings per share (EPS) reached $1.80, with core return on equity (ROE) and return on average assets (ROAA) at 13.3% and 1.1%, respectively. The bank's digital payments platform, cubiX, facilitated $1 trillion in payments year-to-date, underscoring its strategic importance.

Strong Financial Performance

Customers Bancorp reported results that materially exceed consensus Street estimates. Core EPS of $1.80 with core ROCE and ROAA of 13.3% and 1.1% respectively, reflecting broad-based strength across the business. Tangible book value per share reached $56.24, more than doubling since Q4 2019.

Deposit and Loan Growth

The bank achieved nearly $300 million in deposit growth from new commercial banking teams, with annualized loan growth of 8%. The net interest margin expanded by 14 basis points quarter-over-quarter.

cubix Platform Expansion

cubix, the bank's proprietary payments platform, processed about $1.5 trillion in payments volume in 2024, ranking it #3 behind Amex and Visa Commercial. The platform is seen as a competitive edge and relationship deepener for the bank.

Leadership Transition

Jay Sidhu announced he will transition to the role of Executive Chairman effective January 1, 2026, with Sam Sidhu assuming the role of CEO. This leadership change is seen as a positive move for the bank's future growth.

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

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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.

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