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Customers Bancorp (CUBI)
NYSE:CUBI
Earnings Data
Report Date
Apr 23, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
1.89Last Year’s EPS
0.29Same Quarter Last Year
Moderate Buy
Based on 5 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presents a broadly positive picture: strong earnings (core EPS +36%), double-digit tangible book value growth (~14% annualized), robust deposit gathering (≈$2B, +10%), record payments volume (> $2T, +30%) and improving NII and margins (NII +22%, NIM +29 bps). Management also delivered conservative, yet constructive, 2026 guidance with targeted loan and deposit growth, while highlighting AI productivity gains and continued recruitment momentum. Near-term headwinds are manageable: discrete Q4 expenses, professional/legal costs, deposit remixing complexity, cubiX-related volatility (conservatively excluded from guidance), and an isolated NPA increase tied to a single credit. Given the weight and significance of the reported operating, capital, and payments momentum compared to the limited and largely controlled lowlights, the overall tone is decidedly positive.Company Guidance
Strong EPS and Earnings Growth
Core EPS for FY2025 was $7.61 versus $5.60 in 2024, an increase of ~36%, reflecting strong bottom-line performance and multiyear compounding in core earnings per share.
Robust Deposit Growth and Improved Deposit Franchise
Total deposits rose about $2.0 billion (≈10%) in 2025, ending just under $21 billion. New commercial banking teams added $1.6 billion in deposits in 2025. Noninterest-bearing DDA grew over $500 million for the year and ~ $150 million in Q4. Deposit beta was 54% for the quarter, 71% on interest-bearing deposits, and ~61% through the easing cycle.
Diversified and Expanding Lending Franchise
Loans grew ~15% for the year and approximately $500 million (≈3%) quarter-over-quarter, with broad-based growth led by commercial real estate, health care, and mortgage finance. Management is guiding loan growth of 8%–12% for 2026.
Record Net Interest Income and Margin Expansion
Net interest income (NII) increased 22% year-over-year to $204 million, and net interest margin expanded +29 basis points to 3.4% year-over-year. Sequential NII increased $2.5 million aided by higher average loan balances and lower blended deposit cost (down from 2.77% to 2.54% quarter-over-quarter).
Payments Momentum and cubiX Scale
Customers Bank reported >$2.0 trillion of cubiX/instant payments volume in 2025, a 30% increase from $1.5 trillion in 2024, positioning it as the #1 commercial payments network in the U.S. The network supported consistent average cubiX-related deposit balances (~$3.9 billion) and management identified a network opportunity that could add up to $50 billion of transaction volume in 2026.
Improved Efficiency and Operating Leverage
Efficiency ratio improved materially — the company cited a drop of over 6 percentage points year-over-year and reported a Q4 efficiency ratio of 49.5%. Noninterest expense to average assets was 1.88%, placing the bank in the top quartile of peers even while investing in growth.
Tangible Book Value and Strengthened Capital
Tangible book value per share rose to $61.77, up 3% sequentially and ~14% annualized for the year. Tangible common equity ratio reached 8.5% (up 90 bps YoY). Management also completed a $100 million subordinated debt issuance (Tier 2) and raised capital while supporting 12% asset growth.
Strong Credit Metrics and Low Loss Rates
Nonperforming assets were low at 29 basis points of total assets; total net charge-offs declined 10% quarter-over-quarter. Excluding a small consumer portfolio, commercial net charge-offs were very low (~16 bps annualized). Management reports strong reserve coverage in the allowance for credit losses.
High Employee Adoption of AI and Reported Productivity Gains
The company trained every employee on AI and rolled out department-specific training; over half the firm uses enterprise AI platforms and employees report nearly a 20% productivity gain from AI tools.
Ambitious and Achievable 2026 Financial Guidance
Initial 2026 guidance targets: loan growth 8%–12%, deposit growth (net of remixing) 8%–12%, NII $800M–$830M (7%–11% growth), noninterest expense $440M–$460M (2%–6% growth), CET1 11.5%–12.5%, and effective tax rate 23%–25%. Management also targets $20M in run-rate proceeds from operational excellence initiatives to fund growth investments.
CUBI Earnings History
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 |
|---|---|---|---|
Jan 22, 2026 | $81.21 | $74.52 | -8.24% |
Oct 23, 2025 | $65.55 | $70.11 | +6.96% |
Jun 30, 2025 | $58.74 | $62.13 | +5.77% |
Apr 24, 2025 | $50.33 | $48.85 | -2.94% |
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 Apr 23, 2026, After Close (Confirmed).
What is Customers Bancorp (CUBI) earnings time?
Customers Bancorp (CUBI) earnings time is at Apr 23, 2026, 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 2026 (Q1) is 1.89.