US · CUBI
Customers Bancorp, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- West Reading, PA 19611
- Website
- customersbank.com
Price · as of 2025-12-31
$77.08
Market cap 2.31B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $64.69 | -16.07% |
| Intrinsic Value(DCF) | $319.36 | +314.32% |
| Graham-Dodd Method(GD) | $89.80 | +16.51% |
| Graham Formula(GF) | $78.37 | +1.67% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $9.27 | $100.20 | $128,127.76 | $14.60 | $36.89 |
| 2012 | $15.48 | $2,944.69 | $42,859.63 | $20.85 | $95.65 |
| 2013 | $18.05 | $105.95 | $491.84 | $20.51 | $37.44 |
| 2014 | $24.05 | $61.62 | $18.89 | $24.71 | $81.04 |
| 2015 | $25.01 | $71.55 | $49.80 | $30.25 | $78.69 |
| 2016 | $33.31 | $51.34 | $375.89 | $40.35 | $122.48 |
| 2017 | $31.19 | $53.09 | $258.08 | $35.82 | $68.13 |
| 2018 | $19.30 | $33.91 | $30.91 | $34.79 | $30.63 |
| 2019 | $18.42 | $41.70 | $29.96 | $39.52 | $31.39 |
| 2020 | $31.71 | $25.63 | $33.50 | $49.79 | $118.74 |
| 2021 | $55.77 | $53.32 | $321.41 | $85.94 | $457.34 |
| 2022 | $22.86 | $38.85 | $1,118.97 | $73.64 | $96.92 |
| 2023 | $54.78 | $182.05 | $9,177.36 | $84.92 | $512.24 |
| 2024 | $50.20 | $54.31 | $1,675.01 | $79.88 | $23.69 |
| 2025 | $69.06 | $64.69 | $370.85 | $89.80 | $78.37 |
AI valuation
Our deep-learning model estimates Customers Bancorp, Inc.'s (CUBI) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $64.69
- Current price
- $77.08
- AI upside
- -16.07%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$319.36
+314.32% upside
Graham-Dodd
$89.80
+16.51% upside
Graham Formula
$78.37
+1.67% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| CUBI | Customers Bancorp, Inc. | $77.08 | 2.31B | -16% | +314% | +17% | +2% | 10.54 | 1.12 | 1.67 | 5.88 | 48.32 | 1.12 | 51.59% | 21.97% | 15.84% | 11.34% | -65.45% | 0.95% | 0.81 | 0.51 | 1.19 | 1.19 | 4.67 | 2181.00% | 394.00% | 50225.00% | 20.37% | 0.03 | -130.40% | 0.46% | 4.80% | 6.73% | 6.65 | 4.30 | 1.46 | 0.39 |
| BANR | Banner Corporation | $58.85 | 2.01B | -15% | -6% | -24% | -30% | 10.57 | 1.06 | 2.52 | 8.76 | 67.87 | 1.31 | 79.04% | 29.45% | 23.84% | 10.50% | 10.00% | 1.20% | 0.19 | 1.11 | 0.02 | 0.02 | 0.75 | 1557.00% | -95.00% | -5127.00% | 6.59% | 0.01 | 6.90% | 3.27% | 34.60% | 4.80% | 9.17 | 16.25 | 2.70 | -0.76 |
| BUSE | First Busey Corporation | $25.36 | 2.24B | -10% | +3,704% | +18% | +278% | 16.92 | 0.93 | 2.19 | 1.42 | — | 1.15 | 63.88% | 17.88% | 12.96% | 7.02% | 68.36% | 0.90% | 0.19 | 0.58 | 0.64 | 0.64 | 0.80 | -2576.00% | 5756.00% | 1207.00% | 8.41% | 0.05 | 97.33% | 0.00% | 0.00% | 0.00% | 1.55 | 1.51 | 0.28 | 0.11 |
| EFSC | Enterprise Financial Serv… | $57.10 | 2.11B | -16% | +92% | -48% | +87% | 10.57 | 1.04 | 2.33 | 6.59 | 106.39 | 1.33 | 68.43% | 31.10% | 22.07% | 10.42% | 12.52% | 1.22% | 0.00 | 1.08 | 0.01 | 0.01 | -0.71 | 994.00% | 1203.00% | -6842.00% | 3.56% | 0.01 | 4.71% | 4.77% | 50.40% | 5.43% | 6.77 | 25.35 | 2.11 | -0.73 |
| FBNC | First Bancorp | $56.79 | 2.35B | -37% | -17% | -50% | -51% | 21.59 | 1.45 | 4.41 | 1.79 | 47.30 | 2.07 | 70.11% | 26.56% | 20.45% | 7.16% | -16.27% | 0.89% | 0.05 | 0.91 | 0.24 | 0.24 | -0.47 | 4565.00% | 232.00% | 1042.00% | 7.93% | 0.02 | -26.94% | 1.55% | 33.60% | 1.60% | 1.92 | 1.46 | 0.51 | -0.38 |
| FFBC | First Financial Bancorp. | $28.07 | 2.94B | +24% | +2% | -43% | +4% | 10.47 | 0.97 | 2.12 | -0.83 | 96.64 | 1.73 | 68.43% | 25.51% | 20.30% | 9.82% | -3313.74% | 1.29% | 0.43 | 0.89 | 0.28 | 0.28 | 2.94 | 1083.00% | 275.00% | 3153.00% | 11.85% | 0.02 | -4111.03% | 3.54% | 37.00% | 3.54% | -0.89 | -0.90 | -0.23 | -0.41 |
| FRME | First Merchants Corporati… | $39.08 | 2.46B | -37% | -10% | -29% | -22% | 10.05 | 0.92 | 2.16 | 6.17 | 72.92 | 1.30 | 60.96% | 24.67% | 21.52% | 9.47% | 12.33% | 1.21% | 0.41 | 0.67 | 0.20 | 0.20 | 3.17 | 1378.00% | -32.00% | 655.00% | 12.49% | 0.04 | 15.48% | 3.73% | 37.50% | 5.80% | 6.87 | 6.28 | 1.70 | -0.11 |
| HTH | Hilltop Holdings Inc. | $37.43 | 2.3B | -30% | +203% | -13% | -6% | 14.50 | 1.11 | 1.48 | 10.10 | 28.04 | 1.27 | 78.42% | 13.60% | 10.19% | 7.60% | 18.67% | 1.03% | 0.49 | 0.64 | 0.24 | 0.24 | -0.76 | 5172.00% | 545.00% | -13564.00% | -3.96% | -0.02 | -10.32% | 1.89% | 27.40% | 9.55% | 10.10 | -23.48 | 1.37 | 0.08 |
| NBTB | NBT Bancorp Inc. | $42.72 | 2.23B | -20% | +70% | -40% | +52% | 11.91 | 1.06 | 2.32 | 1.34 | 95.27 | 1.45 | 72.14% | 25.30% | 19.51% | 9.89% | 19.95% | 1.14% | 0.17 | 1.05 | 13.83 | 13.83 | 0.65 | 1250.00% | 1036.00% | -4040.00% | 5.23% | 0.71 | 12.43% | 3.60% | 42.90% | 3.60% | 1.34 | 2.80 | 0.34 | 0.33 |
| TRMK | Trustmark Corporation | $42.59 | 2.55B | -37% | +160% | -21% | +261% | 11.68 | 1.23 | 2.34 | 3.65 | 605.87 | 1.47 | 70.96% | 25.51% | 20.01% | 10.98% | 36.00% | 1.21% | 0.53 | 0.91 | 0.73 | 0.73 | 1.38 | 193.00% | 3475.00% | 16256.00% | 8.86% | 0.07 | 37.25% | 2.23% | 26.10% | 5.29% | 4.16 | 5.13 | 1.06 | 0.29 |
| WAFD | WaFd, Inc. | $31.16 | 2.38B | +7% | +11% | -9% | -40% | 11.31 | 0.84 | 1.81 | 3.68 | 217.42 | 0.98 | 50.90% | 20.54% | 16.03% | 7.49% | 15.33% | 0.83% | 0.60 | 0.42 | 0.15 | 0.15 | 3.87 | 520.00% | -158.00% | -4977.00% | 8.15% | 0.01 | 14.12% | 3.88% | 43.90% | 7.87% | 3.80 | 5.29 | 0.78 | -0.62 |
About Customers Bancorp, Inc.
Customers Bancorp, Inc. operates as the bank holding company for Customers Bank that provides financial products and services to individual consumers, and small and middle market businesses. The company offers deposits products, including checking, savings, MMDA, and other deposits accounts. It offers loan products, including commercial mortgage warehouse loans, multi-family and commercial real estate loans, business banking, small business loans, equipment financing, residential mortgage loans, and installment loans. It also offers traditional banking activities, including mobile phone banking, internet banking, wire transfers, electronic bill payment, lock box services, remote deposit capture services, courier services, merchant processing services, cash vault, controlled disbursements, positive pay, cash management services, such as account reconciliation, collections, and sweep accounts. It operates 12 full-service branches, as well as limited production and administrative offices in Southeastern Pennsylvania, including Bucks, Berks, Chester, Philadelphia, and Delaware Counties; Harrisburg, Pennsylvania; Rye Brook and New York; Hamilton, New Jersey; Boston, Massachusetts; Providence, Rhode Island; Portsmouth, New Hampshire; Manhattan and Melville, New York; Washington D.C.; Chicago, Illinois; Dallas, Texas; Orlando, Florida; and Wilmington, North Carolina. Customers Bancorp, Inc. was founded in 1994 and is headquartered in West Reading, Pennsylvania.
- CEO
- Samvir S. Sidhu
- Employees
- 787
- Beta
- 1.64
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($319.36 ÷ $77.08) − 1 = +314.32% (DCF, example).