Customers Bancorp, Inc (CUBI) Stock Price & How to Invest
Last updated July 2026
Short answer
CUBI is Customers Bancorp, a Pennsylvania-based commercial bank holding company (parent of Customers Bank) with more than $20 billion in assets, known for fast deposit and loan growth, a low-cost efficiency ratio, and a niche in banking-as-a-service and digital-asset payments. It trades at a discount to many peers on a book-value and earnings basis, largely because of a Federal Reserve compliance agreement tied to its crypto-adjacent strategy.
CUBI stock price
As of 2026-07-16, Customers Bancorp, Inc (CUBI) last closed at $77.54, up 23.3% over the past year. Over the past 52 weeks it has traded between $60.52 and $81.21.
Prices are daily closing prices from Yahoo Finance and may be delayed. For the live quote, check your broker or Customers Bancorp, Inc's investor relations page. Walnut is informational, not investment advice.
What does Customers Bancorp, Inc (CUBI) do?
Customers Bancorp, Inc. (NYSE: CUBI) is the holding company for Customers Bank, a super-regional lender with over $20 billion in assets that ranks among the 100 largest US bank holding companies. Beyond traditional commercial and industrial, commercial real estate, and multi-family lending, it runs national verticals such as lender finance, fund finance, financial-institutions banking, and technology and venture banking. It is also a pioneer in banking-as-a-service and operates an instant, blockchain-based 24/7 payments platform (CBIT) that lets commercial clients move tokenized dollars, a strategy that has driven low-cost deposit growth but also drew regulatory scrutiny.
The investment picture is one of a high-growth, deep-value bank. Deposits rose about 14 percent and loans about 15 percent year over year in early 2026, and the company posts strong returns (ROAA around 1.1 percent) with an efficiency ratio near 50 percent, well below many peers. The stock trades at a mid-single-digit to low-double-digit price-to-earnings multiple and around or below tangible book value, a discount that reflects a 2024 Federal Reserve written agreement over anti-money-laundering and digital-asset risk management. The bull case is continued growth plus multiple re-rating as the compliance work is completed; the bear case is that regulatory, credit, and deposit-mix risks weigh on the valuation.
What's driving Customers Bancorp, Inc (CUBI)?
1. Rapid deposit and loan growth
CUBI has grown deposits by roughly 14 percent and loans by roughly 15 percent year over year, well above the industry average. Management has recruited banking teams across specialized verticals such as fund finance and venture banking, which brings in commercial relationships and lower-cost deposits. Sustained above-peer growth is the core driver of earnings and book-value expansion.
2. Net interest margin and operating leverage
Net interest income reached about $191 million in the first quarter of 2026, up nearly $24 million year over year, with a net interest margin around 3.2 percent. The efficiency ratio improved to about 50 percent, reflecting positive operating leverage as revenue grows faster than expenses. A lean cost structure lets more of each revenue dollar reach the bottom line.
3. Digital payments and banking-as-a-service niche
The CBIT instant-payments platform and banking-as-a-service partnerships give CUBI a source of sticky, often non-interest-bearing deposits that many traditional banks lack. This positioning taps fintech and digital-asset clients seeking a chartered bank partner. Executed cleanly, it is a differentiated funding and fee engine, though it is also the source of the bank's regulatory attention.
4. Capital return and cheap valuation
CUBI has been buying back shares and grew tangible book value per share to roughly $60 by late 2025. With the stock trading near a high-single-digit price-to-earnings multiple and around tangible book value, buybacks are accretive to per-share metrics. Any narrowing of the valuation discount toward peers would be a meaningful re-rating catalyst.
What are the risks to Customers Bancorp, Inc (CUBI)?
The most specific overhang is the August 2024 Federal Reserve written agreement citing significant deficiencies in BSA/AML and OFAC compliance tied to the bank's digital-asset strategy; the agreement remained in place as of the latest available filings and could constrain growth or add expense until fully remediated. Concentrations in commercial real estate, lender finance, and crypto-adjacent deposits add credit and funding-stability risk, and deposits from digital-asset clients can be volatile. As a rate-sensitive bank, net interest margin and securities values move with interest rates and the yield curve. Reputational and headline risk around crypto banking can pressure the stock independent of fundamentals. Broader recession or credit-cycle deterioration would raise charge-offs across the loan book.
How is Customers Bancorp, Inc (CUBI) valued? (approximate, July 2026)
A simple financial snapshot. These are approximations and refresh quarterly; for current figures see Customers Bancorp, Inc's investor relations page or your broker.
- Market cap: ~$2.6B
- Total revenue (2025): ~$720M
- Net income to common (2025): ~$209M
- Diluted EPS (2025): ~$6.26
- Tangible book value / share: ~$60
- P/E (TTM): ~9.7x
CUBI trades at a high-single-digit price-to-earnings multiple and around its tangible book value, a discount to many similarly sized commercial banks. That gap largely reflects the outstanding Federal Reserve compliance agreement and the perceived risk of its digital-asset deposit base, rather than weak profitability. Returns on assets near 1.1 percent and an efficiency ratio close to 50 percent are competitive with better-regarded peers.
Who competes with Customers Bancorp, Inc (CUBI)?
Specialty and super-regional commercial banks
Peers such as Western Alliance, East West Bancorp, Webster Financial, and Valley National compete in commercial lending and deposit gathering at a similar asset scale. Like CUBI, several court niche verticals (venture, fund finance, specialty lending) and are valued on growth, credit quality, and net interest margin.
Fintech-forward and banking-as-a-service banks
Banks that partner with fintechs and payments platforms, including The Bancorp, Cross River, and Metropolitan Bank, compete for embedded-finance and digital-deposit relationships. This is where CUBI's CBIT payments rail and crypto-adjacent deposits overlap most directly, and where regulatory scrutiny is heaviest across the group.
Large diversified and regional banks
Money-center and large regional banks such as JPMorgan, PNC, and Truist compete for the same commercial borrowers and treasury-management clients with broader product sets, larger balance sheets, and lower funding costs, pressuring smaller banks like CUBI on pricing and scale.
How to invest in Customers Bancorp, Inc (CUBI)
There are three common ways to get CUBI exposure. Buy shares (or fractional shares) directly at any major broker. Hold an ETF that includes it, which spreads the position across many companies. Or build it into a focused thematic basket, so CUBI sits alongside other stocks that express the same thesis.
Walnut takes the basket route. Describe a thesis where CUBI fits (for example “AI infrastructure” or “dividend-growth large-caps”) and the AI proposes 5 to 6 constituents with target weights. You review the plan and fund it through your own broker when you're ready.
The bottom line on Customers Bancorp, Inc (CUBI)
CUBI is a fast-growing, cheaply valued specialty commercial bank whose upside case rests on continued balance-sheet growth and clearing its regulatory overhang.
More on Customers Bancorp, Inc (CUBI)
Whether CUBI is worth buying today depends more on your time horizon and what you already hold than on any single call. We walk through valuation, what would have to go right, and the risks in is CUBI a buy?, and where the stock could go from here in the CUBI stock forecast.
For income investors, whether CUBI pays a dividend and how the payout looks is covered in does CUBI pay a dividend?
Build a basket around CUBI with Walnut
Use Customers Bancorp, Inc as one constituent in a thematic basket Walnut's AI helps you assemble. Describe a thesis you believe in, the AI proposes the holdings and weights, and you approve before any broker order.
FAQ
What does Customers Bancorp (CUBI) do?
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It is the holding company for Customers Bank, a commercial bank with more than $20 billion in assets. The bank lends to businesses (C&I, commercial real estate, multi-family, and specialty verticals like fund finance and venture banking) and gathers deposits, including through digital and banking-as-a-service channels.
Is CUBI a large bank?
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It is a mid-sized super-regional bank, ranking among the 100 largest US bank holding companies with over $20 billion in assets. That is far smaller than money-center banks like JPMorgan but larger than most community banks, placing it in the specialty commercial-bank tier.
Why does CUBI trade at a low valuation?
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The stock trades at a high-single-digit price-to-earnings multiple and near tangible book value, a discount to many peers. The main reason is the 2024 Federal Reserve written agreement over anti-money-laundering and digital-asset risk management, plus market caution about its crypto-adjacent deposit base.
What is the Federal Reserve enforcement action against CUBI?
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In August 2024 the Federal Reserve entered a written agreement citing significant deficiencies in the bank's BSA/AML and OFAC compliance connected to its digital-asset strategy and instant-payments platform. The bank was required to improve customer due diligence and risk management; the agreement was still in place as of the latest available filings.
How fast is CUBI growing?
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Growth has been well above the industry average. In early 2026, total deposits were up about 14 percent and total loans about 15 percent year over year, helped by teams recruited across specialized commercial verticals.
How profitable is Customers Bancorp?
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It reported full-year 2025 net income to common shareholders of about $209 million, or roughly $6.26 per diluted share, with return on average assets near 1.1 percent and an efficiency ratio close to 50 percent, competitive with better-regarded peers.
Does CUBI pay a dividend?
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Customers Bancorp has historically prioritized reinvesting in growth and repurchasing common shares over paying a common-stock dividend, though it has issued preferred shares that carry dividends. Investors focused on income should confirm the current common-dividend policy in the latest filings.
What are the main risks of investing in CUBI?
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Key risks include the unresolved Federal Reserve compliance agreement, concentrations in commercial real estate and crypto-adjacent deposits, interest-rate sensitivity of its margin and securities, deposit-stability risk, and broader credit-cycle exposure. Walnut is not an investment adviser, so treat this as descriptive rather than a recommendation.
Walnut is informational, not investment advice. Financial figures on this page are approximations; always verify current numbers with Customers Bancorp, Inc's investor relations page or your broker before making investment decisions.