Customers Bancorp, Inc. (CUBI) stock
Close on Oct 29, 2026Market cap $3.05BP/E 10.7Yield –
Earnings
Customers Bancorp's quarterly results as reported in its earnings releases, with the company's own outlook. Hover a number to see the sentence it came from.
Quarterly results
Revenue and earnings per share from each of Customers Bancorp's earnings releases, newest first
| Quarter | Reported | Revenue | YoY | EPS | Adj. EPS | Source |
|---|---|---|---|---|---|---|
| Q4 FY2026ended Dec 31, 2026 | Jan 21, 2027Expected | – | – | – | – | – |
| Q3 FY2026ended Sep 30, 2026 | Oct 22, 2026after the close | – | – | $2.25 | $2.27 | Release |
| Q2 FY2026ended Jun 30, 2026 | Jul 23, 2026after the close | $227.28M | -30.7% | $2.05 | $2.05 | Release |
| Q1 FY2026ended Mar 31, 2026 | Apr 23, 2026after the close | $225.40M | – | $1.97 | $1.97 | Release |
| Q4 FY2025ended Dec 31, 2025 | Jan 22, 2026after the close | $236.90M | – | $1.98 | $2.06 | Release |
| Q3 FY2025ended Sep 30, 2025 | Oct 23, 2025after the close | $231.77M | -30.2% | $2.20 | $2.20 | Release |
| Q2 FY2025ended Jun 30, 2025 | Jul 24, 2025after the close | $328.00M | – | $1.73 | $1.80 | Release |
| Q1 FY2025ended Mar 31, 2025 | Apr 24, 2025after the close | – | – | $0.29 | $1.54 | Release |
| Q4 FY2024ended Dec 31, 2024 | Jan 23, 2025after the close | – | – | $0.71 | $1.36 | Release |
| Q3 FY2024ended Sep 30, 2024 | Oct 31, 2024after the close | $332.11M | – | $1.31 | $1.34 | Release |
| Q2 FY2024ended Jun 30, 2024 | Jul 25, 2024after the close | – | – | $1.66 | $1.49 | Release |
| Q1 FY2024ended Mar 31, 2024 | Apr 25, 2024after the close | – | – | $1.40 | $1.68 | Release |
| Q4 FY2023ended Dec 31, 2023 | Jan 25, 2024after the close | – | – | $1.79 | $1.90 | Release |
| Q3 FY2023ended Sep 30, 2023 | Oct 26, 2023after the close | – | – | $2.58 | $2.59 | Release |
| Q2 FY2023ended Jun 30, 2023 | Jul 27, 2023after the close | – | – | $1.39 | $1.65 | Release |
| Q1 FY2023ended Mar 31, 2023 | Apr 27, 2023after the close | – | – | $1.55 | $1.58 | Release |
| Q4 FY2022ended Dec 31, 2022 | Jan 25, 2023after the close | – | – | $0.77 | $1.19 | Release |
| Q3 FY2022ended Sep 30, 2022 | Oct 26, 2022after the close | – | – | $1.85 | $2.48 | Release |
| Q2 FY2022ended Jun 30, 2022 | Jul 27, 2022after the close | – | – | $1.68 | $1.77 | Release |
| Q1 FY2022ended Mar 31, 2022 | Apr 27, 2022after the close | – | – | – | $2.19 | Release |
| Q4 FY2021ended Dec 31, 2021 | Jan 24, 2022after the close | – | – | $2.87 | $2.92 | Release |
| Q3 FY2021ended Sep 30, 2021 | Oct 27, 2021after the close | – | – | $3.25 | $3.36 | Release |
| Q2 FY2021ended Jun 30, 2021 | Jul 28, 2021after the close | – | – | – | – | Release |
| Q1 FY2021ended Mar 31, 2021 | Apr 29, 2021after the close | – | – | – | – | Release |
| Q4 FY2020ended Dec 31, 2020 | Jan 27, 2021after the close | – | – | – | – | Release |
| Q3 FY2020ended Sep 30, 2020 | Oct 28, 2020after the close | – | – | – | – | Release |
Figures as first announced; later restatements appear under Financials. Expected dates are estimated from the company's past reporting pattern.
Current guidance
Customers Bancorp's latest outlook for periods it has not reported yet, compared with what it said before
| Metric | Period | Guidance | Before | Change | Given |
|---|---|---|---|---|---|
| CET1 | FY2026 | 11.5% – 12.5% | – | New | Jan 22, 2026 |
| deposit growth | FY2026 | +8% – +12% | – | Reaffirmed | Jan 22, 2026 |
| Deposits | FY2026 | +9% | – | Lowered | Oct 22, 2026 |
| loan growth | FY2026 | +8% – +12% | – | New | Jan 22, 2026 |
| Loans | FY2026 | +12% | – | New | Oct 22, 2026 |
| net interest income | FY2026 | $800.00M – $830.00M | – | New | Jan 22, 2026 |
| Net Interest Income | FY2026 | $805.00M – $810.00M | – | New | Oct 22, 2026 |
| Non-interest Expense | FY2026 | $460.00M – $465.00M | – | Lowered | Oct 22, 2026 |
| non-interest expenses | FY2026 | $440.00M – $460.00M | – | Lowered | Jan 22, 2026 |
| tax rate | FY2026 | 23% – 25% | – | Raised | Jan 22, 2026 |
| Tax Rate | FY2026 | 22% – 23% | – | New | Oct 22, 2026 |
Guidance history
Every forecast Customers Bancorp put in an earnings release, newest first
| Given | Metric | Period | Guidance | Change |
|---|---|---|---|---|
| Oct 22, 2026 | Loans | FY2026 | +12% | New |
| Oct 22, 2026 | Deposits | FY2026 | +9% | Lowered |
| Oct 22, 2026 | Net Interest Income | FY2026 | $805.00M – $810.00M | New |
| Oct 22, 2026 | Non-interest Expense | FY2026 | $460.00M – $465.00M | Lowered |
| Oct 22, 2026 | Tax Rate | FY2026 | 22% – 23% | New |
| Jan 22, 2026 | CET1 | FY2026 | 11.5% – 12.5% | New |
| Jan 22, 2026 | tax rate | FY2026 | 23% – 25% | Raised |
| Jan 22, 2026 | loan growth | FY2026 | +8% – +12% | New |
| Jan 22, 2026 | deposit growth | FY2026 | +8% – +12% | Reaffirmed |
| Jan 22, 2026 | net interest income | FY2026 | $800.00M – $830.00M | New |
| Jan 22, 2026 | non-interest expenses | FY2026 | $440.00M – $460.00M | Lowered |
| Jul 24, 2025 | loan portfolio growth | FY2025 | +8% – +11% | Raised |
| Jul 24, 2025 | net interest income growth | FY2025 | +7% – +10% | Lowered |
| Jan 23, 2025 | CET 1 ratio target | FY2025 | 11.5% | New |
| Jan 23, 2025 | effective tax rate | FY2025 | 22% – 25% | Raised |
| Jan 23, 2025 | deposit growth | FY2025 | +5% – +9% | New |
| Jan 23, 2025 | increase the loan portfolio | FY2025 | +7% – +10% | Raised |
| Jan 23, 2025 | net interest income | FY2025 | +3% – +7% | Lowered |
| Oct 31, 2024 | effective tax rate | FY2024 | 18% – 20% | Lowered |
| Oct 31, 2024 | CET 1 ratio target | FY2024 | 11.5% | Lowered |
| Oct 31, 2024 | TCE / TA ratio* target | FY2024 | 7.5% | Reaffirmed |
| Oct 31, 2024 | loan growth | FY2024 | +10% – +15% | Reaffirmed |
| Jul 25, 2024 | effective tax rate | FY2024 | 23% – 25% | Raised |
| Jul 25, 2024 | loan growth | FY2024 | +10% – +15% | Reaffirmed |
| Apr 25, 2024 | effective tax rate | FY2024 | 22% – 24% | Raised |
| Apr 25, 2024 | loan growth | FY2024 | +10% – +15% | New |
| Jan 25, 2024 | effective tax rate | FY2024 | 22% – 24% | New |
| Jan 25, 2024 | CET 1 ratio | FY2024 | 11.5% | Lowered |
| Jan 25, 2024 | TCE / TA ratio* | FY2024 | 7.5% | New |
| Oct 26, 2023 | NIM | Q4 FY2023 | 3.2% – 3.25% | New |
| Oct 26, 2023 | effective tax rate | FY2023 | 22% – 24% | Raised |
| Oct 26, 2023 | CET 1 ratio | FY2023 | 11% – 11.5% | Lowered |
| Jul 27, 2023 | Core EPS (excluding PPP) | FY2023 | $6.00 | Reaffirmed |
| Jul 27, 2023 | effective tax rate | FY2023 | 22% – 24% | Raised |
| Jul 27, 2023 | CET 1 ratio | FY2023 | 11% – 11.5% | Lowered |
| Jul 27, 2023 | net interest margin, excluding PPP | FY2023 | 2.85% – 3.05% | Lowered |
| Jul 27, 2023 | Core non-interest expense | FY2023 | +15% | Raised |
| Apr 27, 2023 | Core EPS (excluding PPP)* | FY2023 | $6.00 | Lowered |
| Apr 27, 2023 | effective tax rate | FY2023 | 22% – 24% | Raised |
| Apr 27, 2023 | CET 1 ratio | FY2023 | 11% – 11.5% | Lowered |
| Apr 27, 2023 | net interest margin, excluding PPP* | FY2023 | 3% | Lowered |
| Apr 27, 2023 | Core non-interest expense* | FY2023 | +5% – +7% | Lowered |
| Apr 27, 2023 | tangible book value guidance | FY2023 | $45.00 | New |
| Jan 25, 2023 | Core EPS (excluding PPP) | FY2023 | $6.00 – $6.25 | Raised |
| Jan 25, 2023 | effective tax rate from continuing operations | FY2023 | 22% – 24% | Lowered |
| Jan 25, 2023 | net interest margin | FY2023 | 2.85% – 3.05% | Lowered |
| Jan 25, 2023 | CET 1 ratio | FY2023 | 9.5% | Raised |
| Jan 25, 2023 | Core non interest expense (excluding BM Technologies expense) | FY2023 | +8% – +10% | New |
| Oct 26, 2022 | core earnings | FY2023 | $6.00 | Reaffirmed |
| Oct 26, 2022 | loan growth in our low-risk specialty lending verticals | Q4 FY2022 | $500.00M | New |
| Oct 26, 2022 | effective tax rate from continuing operations | FY2022 | 21% – 23% | Reaffirmed |
| Jul 27, 2022 | core earnings (excluding PPP) | FY2022 | $4.75 – $5.00 | Reaffirmed |
| Jul 27, 2022 | core earnings (excluding PPP) | FY2023 | $6.00 | Reaffirmed |
| Jul 27, 2022 | effective tax rate from continuing operations | FY2022 | 21% – 23% | New |
| Jul 27, 2022 | quarterly loan growth | FY2022 | $500.00M | New |
| Jul 27, 2022 | efficiency ratio | FY2023 | 45% | New |
| Jul 27, 2022 | TCE ratio | within the next three to four quarters | 7.5% | – |
| Apr 27, 2022 | core earnings (excluding PPP) | FY2022 | $4.75 – $5.00 | Reaffirmed |
| Apr 27, 2022 | core earnings (excluding PPP) | FY2023 | $6.00 | Reaffirmed |
| Apr 27, 2022 | effective tax rate from continuing operations | FY2022 | 21% – 23% | Reaffirmed |
| Apr 27, 2022 | efficiency ratio | FY2023 | 40% | New |
| Jan 24, 2022 | core earnings (excluding PPP) | FY2022 | $4.75 – $5.00 | Reaffirmed |
| Jan 24, 2022 | core earnings (excluding PPP) | FY2023 | $6.00 | New |
| Jan 24, 2022 | effective tax rate from continuing operations | FY2022 | 21% – 23% | New |
| Oct 27, 2021 | recurring core earnings power | FY2021 | $4.00 | New |
| Oct 27, 2021 | recurring core earnings power | FY2022 | $4.75 – $5.00 | New |
| Oct 27, 2021 | effective tax rate from continuing operations | FY2021 | 20% – 25% | New |
Read from the company's earnings releases; each figure links to its sentence on hover. “Raised” and “Lowered” compare with the previous range for the same metric and period.
Press releases
Releases Customers Bancorp filed with the SEC as exhibits to Form 8-K or 6-K
- Results
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- Update
- News
- Update
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- Update
- News
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