There's been a lot to like about Customers Bancorp ( CUBI ), a "growth bank" with a ~$25bn asset base primarily operating out of the mid-Atlantic region. The group has come a long way since founder Jay Sidhu turned things aroundAnalyst’s Disclosure: I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for ...

There's been a lot to like about Customers Bancorp ( CUBI ), a "growth bank" with a ~$25bn asset base primarily operating out of the mid-Atlantic region. The group has come a long way since founder Jay Sidhu turned things aroundAnalyst’s Disclosure: I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for ...

WEST READING, Pa.--(BUSINESS WIRE)--Customers Bancorp, Inc. (NYSE: CUBI) announced today that the organization has joined the Qualia Bank Partner Network. Combining Customers Bank's existing title and escrow services with Qualia's leading AI-powered digital real estate closing platform will create a seamless onboarding and transaction experience for settlement service providers nationwide. Today, title and escrow companies using Customers Bank's and Qualia's platforms will benefit from services. ...

CFO Mark McCollum said total deposits rose nearly $400 million in the fourth quarter to just under $21 billion. He said non-interest-bearing deposits increased by about $150 million in the quarter and by over $500 million in 2025, excluding large increases associated with Qubix clients. McCollum also discussed what he characterized as a continued shift toward “relationship-based, granular, high-quality deposits,” noting that teams recruited over the past two and a half years manage over $3.3 billion in depo ...

Core Insights - Customers Bancorp (CUBI) reported a revenue of $236.94 million for the quarter ended December 2025, marking a 41.5% increase year-over-year, with an EPS of $2.06 compared to $1.36 in the same quarter last year [1] - The reported revenue exceeded the Zacks Consensus Estimate of $229.75 million by 3.13%, and the EPS also surpassed the consensus estimate of $2.04 by 0.88% [1] Financial Performance Metrics - Efficiency Ratio stood at 49.5%, higher than the average estimate of 47.8% based on three analysts [4] - Net Interest Margin was reported at 3.4%, matching the average estimate from two analysts [4] - Average Balance of Total Interest-Earning Assets was $23.93 billion, slightly above the estimated $23.81 billion [4] - Annualized net charge-offs to average loans and leases were 0.3%, better than the average estimate of 0.5% [4] - Total Non-Interest Income reached $32.52 million, exceeding the estimated $27.89 million [4] - Loan fees amounted to $7.42 million, below the average estimate of $10.25 million [4] - Commercial lease income was reported at $14.19 million, surpassing the estimated $11.53 million [4] - Net interest income tax equivalent was $204.78 million, slightly below the average estimate of $205.18 million [4] Stock Performance - Shares of Customers Bancorp have returned +4.9% over the past month, outperforming the Zacks S&P 500 composite's +0.7% change [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for outperformance in the near term [3]

Core Insights - Customers Bancorp (CUBI) reported quarterly earnings of $2.06 per share, exceeding the Zacks Consensus Estimate of $2.04 per share, and showing a significant increase from $1.36 per share a year ago, representing an earnings surprise of +0.88% [1] - The company achieved revenues of $236.94 million for the quarter ended December 2025, surpassing the Zacks Consensus Estimate by 3.13%, and up from $167.43 million year-over-year [2] - Customers Bancorp has consistently outperformed consensus EPS and revenue estimates over the last four quarters [2] Earnings Outlook - The company's earnings outlook is crucial for assessing future stock performance, with current consensus EPS estimates at $1.92 for the upcoming quarter and $8.15 for the current fiscal year [7] - The favorable trend in estimate revisions prior to the earnings release has resulted in a Zacks Rank 2 (Buy) for the stock, indicating expected outperformance in the near future [6] Industry Context - The Banks - Southeast industry, to which Customers Bancorp belongs, is currently ranked in the top 32% of over 250 Zacks industries, suggesting a positive outlook for stocks within this sector [8] - Empirical research indicates a strong correlation between near-term stock movements and trends in earnings estimate revisions, highlighting the importance of monitoring these changes [5]

Exhibit 99.1 https://files.reportify.cc/ Customers Bancorp, Inc. (NYSE:CUBI) 701 Reading Avenue West Reading, PA 19611 Contacts: Jordan Baucum, Head of Corporate Communications 951-608-8314 Customers Bancorp Reports Results for Fourth Quarter and Full Year 2025 Fourth Quarter 2025 Highlights Full Year 2025 Highlights * Non-GAAP measure. Customers' reasons for the use of the non-GAAP measure and a detailed reconciliation between the non-GAAP measure and the comparable GAAP amount is included at the end of th ...

Core Insights - Customers Bancorp, Inc. reported strong financial performance for Q4 and full year 2025, highlighting successful execution of strategic priorities and growth in franchise value [2][6]. Financial Performance - Q4 2025 GAAP earnings were $70.1 million, or $1.98 per diluted share, while core earnings were $72.9 million, or $2.06 per diluted share [5][13]. - For the full year 2025, net income available to common shareholders was $209.2 million, or $6.26 per diluted share, with core earnings of $254.5 million, or $7.61 per diluted share [13][6]. - The company achieved a record net interest income of $750.5 million in 2025, an increase of $96.1 million, or 14.7%, from 2024 [13][22]. Loan and Deposit Growth - Total loans and leases grew by 14.5% in 2025, with significant contributions from various verticals, maintaining strong credit quality [3][6]. - Total deposits increased by $1.9 billion, or 10.3%, year-over-year, reaching $20.8 billion at December 31, 2025 [15][14]. Asset Quality - The non-performing asset (NPA) ratio was 0.29% of total assets, with reserves at 356% of total non-performing loans at the end of Q4 2025 [5][20]. - The allowance for credit losses on loans and leases was $156 million at December 31, 2025, reflecting a robust credit quality management [19]. Capital and Borrowings - The common equity increased to $2.1 billion, with a CET1 capital ratio of 13.0% at December 31, 2025, compared to 12.1% a year earlier [13][18]. - Total borrowings increased by $228.1 million, or 15.4%, to $1.7 billion at December 31, 2025, primarily due to net draws of FHLB advances [17]. Non-Interest Income and Expenses - Non-interest income for Q4 2025 was $32.5 million, an increase of $2.3 million from Q3 2025, driven by higher commercial lease income [24][25]. - Non-interest expenses totaled $117.3 million in Q4 2025, an increase of $12.1 million from Q3 2025, mainly due to higher salaries and employee benefits [26][28]. Outlook - The company targets loan growth of 8% to 12% and deposit growth of 8% to 12% for 2026, projecting net interest income to grow to $800 to $830 million [32][31]. - Continued focus on recruitment, payment capabilities, and technology investments is expected to drive sustainable long-term growth [30][33].

Core Insights - The finance sector is experiencing strong customer retention and exposure growth despite declining global commercial insurance rates, which decreased by 4% in Q3 2025, marking the fifth consecutive quarter of decline [3][10] - Falling interest rates are positively impacting real estate, M&A activities, and consumer spending, although investment yields may decline for finance companies [2][6][10] - Continued investments in technology are enhancing operational efficiency and margins across the finance industry [9] Industry Overview - The finance sector includes a diverse range of players such as banks, investment companies, insurance firms, and real estate companies, providing various financial services [1] - Catastrophes pose significant risks for insurers, leading to higher policy renewal rates and rate hikes, yet exposure growth and customer retention are driving premium income [3][4] - Interest rate cuts initiated in September 2025 are expected to benefit the real estate market and increase demand for loans and credit cards, aiding the banking sector [5][10] Company Highlights - **Customers Bancorp (CUBI)**: This company utilizes a high-tech, high-touch model for personalized banking and has a diversified loan portfolio with a low non-performing loan ratio of 0.17%. The Zacks Consensus Estimate for 2026 earnings is $8.01 per share, indicating a 5.8% rise from 2025 [13][14] - **HCI Group (HCI)**: HCI leverages internally developed platforms to enhance claims processing and underwriting, leading to improved financial performance. The Zacks Consensus Estimate for 2026 earnings is $16.00 per share, with a year-to-date stock gain of 59.5% [17][18] - **Enova International (ENVA)**: Enova is a leading online financial services provider that has extended around $5.5 billion in credit in 2025. The Zacks Consensus Estimate for 2026 earnings is $14.12 per share, reflecting a 10.6% increase from 2025 [19][20]

Core Insights - Three stocks are highlighted with strong momentum characteristics and a buy rank, including Customers Bancorp, Isabella Bank Corporation, and Vertiv Holdings Co [1][2][3] Group 1: Customers Bancorp, Inc. (CUBI) - Customers Bancorp has a Zacks Rank 1 and a nearly 8% increase in the Zacks Consensus Estimate for current year earnings over the last 60 days [1] - The shares of Customers Bank gained 9.9% over the last three months, outperforming the S&P 500's advance of 3.6% [1] - The company has a Momentum Score of A [1] Group 2: Isabella Bank Corporation (ISBA) - Isabella Bank Corporation also holds a Zacks Rank 1 with a 7.5% increase in the Zacks Consensus Estimate for current year earnings over the last 60 days [2] - The shares of Isabella Bank surged 49.9% over the last three months, significantly outperforming the S&P 500's advance of 3.6% [2] - The company possesses a Momentum Score of B [2] Group 3: Vertiv Holdings Co (VRT) - Vertiv Holdings Co has a Zacks Rank 1 and a 7% increase in the Zacks Consensus Estimate for current year earnings over the last 60 days [3] - The shares of Vertiv gained 18.1% over the last three months, again outperforming the S&P 500's advance of 3.6% [3] - The company has a Momentum Score of B [3]