While the proven Zacks Rank places an emphasis on earnings estimates and estimate revisions to find strong stocks, we also know that investors tend to develop their own individual strategies. With this in mind, we are always looking at value, growth, and momentum trends to discover great companies.Of these, perhaps no stock market trend is more popular than value investing, which is a strategy that has proven to be successful in all sorts of market environments. Value investors use a variety of methods, inc ...

The market expects Customers Bancorp (CUBI) to deliver a year-over-year increase in earnings on higher revenues when it reports results for the quarter ended June 2025. This widely-known consensus outlook is important in assessing the company's earnings picture, but a powerful factor that might influence its near-term stock price is how the actual results compare to these estimates.The stock might move higher if these key numbers top expectations in the upcoming earnings report, which is expected to be rele ...

Core Viewpoint - The article highlights Customers Bancorp (CUBI) as a strong value stock opportunity based on various financial metrics and its current Zacks Rank [4][8]. Financial Metrics - CUBI has a P/E ratio of 9.13, significantly lower than the industry average of 11.11, indicating potential undervaluation [4]. - The company's P/B ratio stands at 1.13, compared to the industry average of 1.90, suggesting a solid valuation relative to its book value [5]. - CUBI's P/S ratio is 1.48, while the industry average is 2.13, further supporting the notion of undervaluation based on sales performance [6]. - The P/CF ratio for CUBI is 12.76, which is lower than the industry average of 16.56, indicating a favorable cash flow outlook [7]. Investment Outlook - Given the strength of its earnings outlook and the various valuation metrics, CUBI is positioned as a compelling value stock at this time [8].

Momentum investing is all about the idea of following a stock's recent trend, which can be in either direction. In the 'long' context, investors will essentially be "buying high, but hoping to sell even higher." And for investors following this methodology, taking advantage of trends in a stock's price is key; once a stock establishes a course, it is more than likely to continue moving in that direction. The goal is that once a stock heads down a fixed path, it will lead to timely and profitable trades.Whil ...

Customers Bancorp (CUBI) could be a solid addition to your portfolio given its recent upgrade to a Zacks Rank #2 (Buy). This upgrade is essentially a reflection of an upward trend in earnings estimates -- one of the most powerful forces impacting stock prices.A company's changing earnings picture is at the core of the Zacks rating. The system tracks the Zacks Consensus Estimate -- the consensus measure of EPS estimates from the sell-side analysts covering the stock -- for the current and following years.The ...

HOUSTON, June 4, 2025 /PRNewswire/ -- Save Advisers, LLC, and its affiliate Save Technologies LLC (Save®), today announced the launch of its innovative Market Savings Sub-advisory Program — a unique investment-driven deposit program designed for Registered Investment Advisers. The program uniquely combines deposit accounts provided by Customers Bank (a subsidiary of Customers Bancorp, Inc., NYSE: CUBI) with a market-based yield enhancement strategy managed by Save Advisers LLC, an SEC-registered investment ...

Financial Performance - Net interest income for the three months ended March 31, 2025, was $167,446 thousand, up from $160,385 thousand in the same period of 2024, representing an increase of 4.0%[17] - Net income available to common shareholders decreased to $9,523 thousand for the three months ended March 31, 2025, down from $45,926 thousand in the same period of 2024, a decline of 79.3%[17] - Basic earnings per common share fell to $0.30 for the first quarter of 2025, compared to $1.46 for the same quarter in 2024, a decrease of 79.5%[17] - Comprehensive income for the three months ended March 31, 2025, was $41,831 thousand, compared to $53,990 thousand in the same period of 2024, a decrease of 22.5%[18] - Net income for the three months ended March 31, 2025, was $12,912 thousand, a decrease of 74% compared to $49,726 thousand for the same period in 2024[23] Credit Losses and Provisions - Provision for credit losses rose to $28,297 thousand for the first quarter of 2025, compared to $17,070 thousand in the first quarter of 2024, indicating a significant increase of 65.7%[17] - The allowance for credit losses on loans and leases was $141,076 thousand as of March 31, 2025, compared to $136,775 thousand at December 31, 2024, reflecting an increase of 3.4%[16] - Provision for credit losses increased to $28,297 thousand in Q1 2025 from $17,070 thousand in Q1 2024, indicating a rise in expected credit losses[23] - The allowance for credit losses (ACL) on loans and leases increased for the three months ended March 31, 2025, reflecting changes in credit quality across various loan types[69] - The total charge-offs for the three months ended March 31, 2025, were $20.8 million, compared to $22.8 million for the same period in 2024[71] Assets and Liabilities - Total assets increased to $22,423,044 thousand as of March 31, 2025, compared to $22,308,241 thousand at December 31, 2024, reflecting a growth of 0.5%[16] - The total shareholders' equity increased to $1,864,560 thousand as of March 31, 2025, from $1,691,617 thousand as of March 31, 2024[20] - The balance of accumulated other comprehensive income (loss) was $(67,641) thousand as of March 31, 2025, compared to $(132,305) thousand as of March 31, 2024[20] - The total estimated fair value of liabilities, including deposits, is $18,939,936 as of March 31, 2025, slightly up from $18,842,810 as of December 31, 2024, showing an increase of about 0.52%[146] Deposits and Funding - Total deposits increased to $18,932,925 thousand as of March 31, 2025, compared to $18,846,461 thousand at December 31, 2024, reflecting a growth of 0.5%[16] - The net increase in deposits for Q1 2025 was $66,911 thousand, compared to $41,501 thousand in Q1 2024[24] - Demand, non-interest bearing deposits decreased to $5.553 billion from $5.608 billion, a decline of 1.0%[104] - Time deposits greater than the FDIC limit of $250,000 totaled $764.4 million as of March 31, 2025, down from $803.1 million at the end of 2024, a decrease of 4.6%[104] Loans and Leases - Total loans and leases receivable increased to $13.6 billion as of March 31, 2025, compared to $13.1 billion at December 31, 2024, showing a growth of approximately 5%[58] - The total commercial loans and leases receivable reached $12.3 billion as of March 31, 2025, an increase from $11.9 billion at December 31, 2024[58] - Loans held for sale significantly decreased from $204.8 million at December 31, 2024, to $37.5 million at March 31, 2025, indicating a reduction of approximately 82%[54] - The total amount of accrued interest recorded for total loans was $86.2 million at March 31, 2025, down from $88.2 million at December 31, 2024[59] Derivatives and Fair Value - The fair value of derivatives as of March 31, 2025, is $14,146, which includes $99 classified as Level 3 inputs[146] - The company utilizes a fair value hierarchy with three levels, where Level 1 includes unadjusted quoted prices in active markets, Level 2 includes observable inputs, and Level 3 includes unobservable inputs[138] - Customers executed interest rate swaps and caps with an aggregate notional amount of $1.2 billion as of March 31, 2025, to facilitate customer risk management strategies[160] - The cumulative amount of fair value hedging adjustment for deposits was $1,815,082,000 as of March 31, 2025, compared to $1,794,923,000 at the end of 2024[159] Regulatory and Compliance - Customers will adopt ASU 2023-09 for the year ending December 31, 2025, requiring annual disclosures of specific reconciling items exceeding 5% of the effective tax rate[32] - ASU 2024-03, effective for fiscal years beginning after December 15, 2024, will require disclosure of specified costs and expenses in financial statements[32] - ASU 2025-01, effective for annual reporting periods beginning after December 15, 2026, will clarify the effective date for disaggregation disclosures[32]

Core Insights - Customers Bancorp (CUBI) reported revenue of $194.28 million for Q1 2025, a 7% year-over-year increase, with an EPS of $1.54 compared to $1.68 a year ago, indicating a decline in earnings per share [1] - The reported revenue exceeded the Zacks Consensus Estimate of $186.86 million by 3.97%, and the EPS surpassed the consensus estimate of $1.28 by 20.31% [1] Financial Performance Metrics - Efficiency Ratio stood at 52.9%, better than the average estimate of 57.7% from two analysts [4] - Net Interest Margin was reported at 3.1%, matching the average estimate from two analysts [4] - Average Balance of Total Interest-Earning Assets was $21.65 billion, slightly below the average estimate of $21.69 billion [4] - Total Non-Interest Income reached $26.83 million, exceeding the average estimate of $24.46 million from three analysts [4] - Bank-Owned Life Insurance income was $4.66 million, significantly higher than the average estimate of $2.14 million [4] - Net Interest Income (tax equivalent) was $167.81 million, slightly above the average estimate of $166.93 million [4] - Mortgage Finance Transactional Fees were $0.93 million, slightly below the average estimate of $0.96 million [4] - Net Interest Income was reported at $167.45 million, exceeding the average estimate of $159.68 million [4] - Commercial Lease Income was $10.67 million, above the average estimate of $10.51 million [4] - Loan Fees were reported at $7.24 million, below the average estimate of $8.66 million [4] Stock Performance - Shares of Customers Bancorp have returned -7% over the past month, compared to a -5.1% change in the Zacks S&P 500 composite [3] - The stock currently holds a Zacks Rank 3 (Hold), suggesting it may perform in line with the broader market in the near term [3]

Customers Bancorp (CUBI) came out with quarterly earnings of $1.54 per share, beating the Zacks Consensus Estimate of $1.28 per share. This compares to earnings of $1.68 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of 20.31%. A quarter ago, it was expected that this bank holding company would post earnings of $1.24 per share when it actually produced earnings of $1.36, delivering a surprise of 9.68%. While Customers Bancorp h ...

Financial Performance - Q1 2025 net income available to common shareholders was $9.5 million, or $0.29 per diluted share, a decrease of 59.1% from Q4 2024[3] - Core earnings for Q1 2025 were $50.0 million, or $1.54 per diluted share, representing a 13.2% increase from Q4 2024[3] - Net income available for common shareholders decreased to $9.5 million, down 79.3% from $45.9 million year-over-year[12] - GAAP net income for Q1 2025 was $9,523,000, translating to $0.29 per share, a decrease from $23,266,000 ($0.71 per share) in Q4 2024[77] - Core earnings for Q1 2025 increased to $50,002,000, or $1.54 per share, compared to $44,168,000 ($1.36 per share) in Q4 2024, representing a 4% increase[77] Asset and Loan Growth - Total assets increased by $1.1 billion, or 5.0%, to $22.4 billion compared to the previous year[12] - Total loans and leases reached $15.1 billion, up $2.2 billion, or 16.8%, year-over-year[16] - Total loans and leases held for investment grew by $611.7 million, or 4.2%, in Q1 2025 from Q4 2024[3] - Loans and leases receivable, net of allowance for credit losses, reached $14,919,363 thousand as of March 31, 2025, up from $14,311,987 thousand in Q4 2024, marking a growth of 4.2%[66] Deposit Trends - Total deposits increased by $86.5 million, or 0.5%, in Q1 2025 from Q4 2024[3] - Total deposits increased to $18,932,925 thousand as of March 31, 2025, compared to $18,846,461 thousand at the end of Q4 2024, reflecting a growth of 0.5%[66] - Money market deposits rose by $213.0 million, or 5.5%, to $4.1 billion, while savings deposits increased by $196.0 million, or 17.3%, to $1.3 billion[29] Credit Quality and Losses - Provision for credit losses was $28.3 million in Q1 2025, up from $21.2 million in Q4 2024[3] - The allowance for credit losses on loans and leases was $141.1 million, an increase of $4.3 million from the previous quarter[18] - Net charge-offs increased to $17.1 million in Q1 2025, compared to $14.6 million in Q4 2024[18] - Non-performing loans (NPLs) as of March 31, 2025, were $43.5 million, slightly up from $43.3 million at December 31, 2024, and increased from $35.7 million a year ago[22] Capital Ratios - Common Equity Tier 1 (CET 1) ratio was 11.7% at March 31, 2025, down from 12.1% at December 31, 2024[3] - Common equity Tier 1 capital ratio decreased to 11.7%, down from 12.6% year-over-year[12] - The CET 1 capital ratio was estimated at 11.7% and the total risk-based capital ratio at 14.6% as of March 31, 2025[38] Efficiency and Cost Management - The efficiency ratio improved to 52.94%, down from 54.58% year-over-year[12] - Non-interest expenses totaled $102.8 million in Q1 2025, a decrease of $7.6 million compared to Q4 2024, primarily due to lower salaries and employee benefits[47] - The core efficiency ratio improved to 52.69% in Q1 2025 from 56.12% in Q4 2024[84] Interest Income and Margin - Net interest income totaled $167.4 million in Q1 2025, a decrease of $0.4 million from Q4 2024, but an increase of $7.1 million from Q1 2024[39][42] - Net interest margin (NIM) increased by 2 basis points to 3.13% in Q1 2025 from 3.11% in Q4 2024[3] - Total interest income for Q1 2025 was $314,909 thousand, a decrease of 4.5% from Q4 2024's $329,906 thousand[65] Stock Performance - The stock price as a percentage of book value was 92% in Q1 2025, up from 90% in Q4 2024[62] - Book value per common share increased by $5.56, or 11.3%, to $54.85[12] Company Recognition - Customers Bancorp, Inc. ranked No. 1 on American Banker’s 2024 list of top-performing banks with $10B to $50B in assets[59]