Customers Bancorp, Inc.
CUBINYSEFinancials · State Commercial Banks · PA · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | $40.2M |
| Operating income | — | — | — | — | — | — |
| Net income | $224.1M | $181.5M | $250.1M | $228.0M | $314.6M | $132.6M |
| Total assets | $24.90B | $22.31B | $21.32B | $20.90B | $19.58B | $18.44B |
| Total liabilities | $22.78B | $20.47B | $19.68B | $19.49B | $18.21B | $17.32B |
| Equity | $2.12B | $1.84B | $1.64B | $1.40B | $1.37B | $1.12B |
| EPS (diluted) | $6.26 | $5.09 | $7.32 | $6.51 | $8.91 | $3.74 |
| Shares out. | 31.5M | 31.5M | 31.6M | 32.9M | 31.9M | 31.4M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- —
- Return on equity
- 10.6%
- Return on assets
- 0.9%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 91.5%
- Debt / equity
- 10.77×
- Book value / share
- $67.23
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 23.5%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −1.1%clean
- Piotroski F-Score
- 6/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 severe● 1 warning● 2 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 10-Qmissed a reporting deadline ↗Nov 13, 2018
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Bay Pond Partners, L.P.Passive (13G)May 18, 2026
- Vanguard Group IncPassive (13G)Mar 26, 2026
- Bay Pond Investors (Bermuda) L.P.Passive (13G)Mar 16, 2026
- Hood River Capital Management LlcPassive (13G)Feb 17, 2026
- Wellington Management Group LlpPassive (13G)Feb 5, 2026
- Blackrock, Inc.Passive (13G)Jan 21, 2026
- Dimensional Fund Advisors LpPassive (13G)Jan 21, 2026
- State Street CorpPassive (13G)Nov 10, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Cunningham LyleOfficer — Chief Banking Officer | May 29, 2026 | Option exercise | 5,123 | $19.28 |
| Sidhu Jay SOfficer — Chairman | Mar 13, 2026 | Grant | 16,030 | $64.72 |
| Cunningham LyleOfficer — Chief Banking Officer | Mar 13, 2026 | Grant | 5,795 | $64.72 |
| Kasulka Thomas HenryOfficer — Chief Credit Officer | Mar 13, 2026 | Grant | 3,941 | $64.72 |
| Watkins PhilipOfficer — EVP, Head of Corp Development | Mar 13, 2026 | Grant | 3,941 | $64.72 |
| Mccollom Mark ROfficer — Chief Financial Officer | Mar 13, 2026 | Grant | 2,371 | $64.72 |
| Sidhu Samvir S.Officer — CEO | Mar 13, 2026 | Grant | 12,306 | $64.72 |
| Robinson Nicholas JohnOfficer — Chief Risk Officer | Mar 13, 2026 | Grant | 3,941 | $64.72 |
| Sidhu Samvir S.Officer — CEO | May 12, 2026 | Buy | 1,000 | $72.58 |
| Watkins PhilipOfficer — EVP, Head of Corp Development | May 11, 2026 | Sell | 3,000 | $75.67 |
| Sidhu Samvir S.Officer — CEO | Apr 12, 2026 | Tax withholding | 1,389 | $73.99 |
| Sidhu Jay SOfficer — Chairman | Apr 12, 2026 | Tax withholding | 1,325 | $73.99 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 2.3M | 6.6 | -2.1% |
| Apr 30, 2026 | 2.4M | 6.8 | +7.0% |
| Apr 15, 2026 | 2.2M | 6.3 | -9.8% |
| Mar 31, 2026 | 2.4M | 5.9 | +20.4% |
| Mar 13, 2026 | 2.0M | 4.3 | +14.0% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Director / officer change · Shareholder voteMay 28, 2026
- Results of operations · Regulation FD disclosureApr 23, 2026
- Regulation FD disclosureApr 15, 2026
- Director / officer changeMar 24, 2026
- Director / officer changeMar 23, 2026
- Other material eventFeb 11, 2026
- Director / officer change · Regulation FD disclosureJan 26, 2026
- Results of operations · Regulation FD disclosureJan 22, 2026
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- 4PRIMARY DOCUMENTJun 1, 2026
- 144May 29, 2026
- 8-KMay 28, 2026
- 4PRIMARY DOCUMENTMay 28, 2026
- 4PRIMARY DOCUMENTMay 28, 2026
- 4PRIMARY DOCUMENTMay 28, 2026
- 4PRIMARY DOCUMENTMay 28, 2026
- 4PRIMARY DOCUMENTMay 28, 2026
- 4PRIMARY DOCUMENTMay 28, 2026
- 4PRIMARY DOCUMENTMay 28, 2026
- 144May 27, 2026
- SCHEDULE 13GMay 18, 2026
- SCHEDULE 13G/AMay 15, 2026
- 4PRIMARY DOCUMENTMay 12, 2026
- 4PRIMARY DOCUMENTMay 12, 2026
Event-driven situations (1)
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