Core Viewpoint - The article emphasizes the importance of value investing and highlights Customers Bancorp (CUBI) as a strong value stock based on various financial metrics [2][8]. Group 1: Value Metrics - Customers Bancorp (CUBI) has a Zacks Rank of 2 (Buy) and an A for Value, indicating strong potential for value investors [4]. - CUBI's Forward P/E ratio is 9.41, significantly lower than the industry's average of 11.38, suggesting it may be undervalued [4]. - The stock's P/B ratio is 1.17, compared to the industry's average of 1.94, further indicating attractive valuation [5]. - CUBI's P/S ratio stands at 1.47, while the industry average is 2.24, reinforcing its value proposition [6]. - The P/CF ratio for CUBI is 13.17, compared to the industry's average of 17.13, highlighting its solid cash flow outlook [7]. Group 2: Historical Performance - Over the past year, CUBI's Forward P/E has fluctuated between a high of 9.68 and a low of 6.09, with a median of 7.82 [4]. - The P/B ratio for CUBI has ranged from a high of 1.31 to a low of 0.78, with a median of 0.95 [5]. - CUBI's P/CF ratio has seen a high of 13.55 and a low of 7.09, with a median of 9.04 over the past year [7]. Group 3: Investment Outlook - The combination of CUBI's strong value metrics and positive earnings outlook positions it as an impressive value stock currently [8].

Company Overview - Customers Bancorp (CUBI) is expected to report a year-over-year increase in earnings, with a projected EPS of $1.50, reflecting a change of +0.7% [3] - Revenues are anticipated to be $198.92 million, which is a slight increase of 0.1% from the previous year [3] Earnings Expectations - The consensus EPS estimate has been revised down by 0.9% over the last 30 days, indicating a bearish sentiment among analysts [4] - The Most Accurate Estimate for Customers Bancorp is lower than the Zacks Consensus Estimate, resulting in an Earnings ESP of -0.89% [12] Historical Performance - In the last reported quarter, Customers Bancorp exceeded the expected EPS of $1.28 by delivering $1.54, achieving a surprise of +20.31% [13] - Over the past four quarters, the company has beaten consensus EPS estimates three times [14] Industry Context - Origin Bancorp (OBK), another player in the Zacks Banks - Southeast industry, is expected to report an EPS of $0.78 for the same quarter, indicating a year-over-year increase of +16.4% [18] - Revenues for Origin Bancorp are projected at $97.55 million, up 1.2% from the previous year, but it has an Earnings ESP of -7.3% [19]

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].

Core Viewpoint - Momentum investing focuses on following a stock's recent price trends, aiming to buy high and sell higher, with the expectation that established trends will continue [1] Company Overview: Customers Bancorp (CUBI) - Customers Bancorp currently holds a Momentum Style Score of A, indicating strong momentum characteristics [3] - The company has a Zacks Rank of 2 (Buy), suggesting a favorable outlook compared to the market [4] Performance Metrics - Over the past week, CUBI shares increased by 13.51%, outperforming the Zacks Banks - Southeast industry, which rose by 4.4% [6] - In the last month, CUBI's price change was 15.7%, significantly higher than the industry's 4.1% [6] - For longer-term performance, CUBI shares rose by 35.35% over the past three months and 21.84% over the last year, while the S&P 500 increased by 10.83% and 14.92%, respectively [7] Trading Volume - CUBI's average 20-day trading volume is 268,760 shares, which serves as a baseline for price-to-volume analysis [8] Earnings Outlook - In the past two months, three earnings estimates for CUBI have been revised upwards, increasing the consensus estimate from $6.12 to $6.33 [10] - For the next fiscal year, three estimates have also moved higher, with no downward revisions noted [10] Conclusion - Considering the strong performance metrics and positive earnings outlook, CUBI is positioned as a 2 (Buy) stock with a Momentum Score of A, making it a potential candidate for near-term investment [12]

Core Viewpoint - Customers Bancorp (CUBI) has received an upgrade to a Zacks Rank 2 (Buy), indicating a positive trend in earnings estimates which is a significant factor influencing stock prices [1][2]. Earnings Estimates and Stock Price Movement - The Zacks rating system highlights the strong correlation between changes in earnings estimates and near-term stock price movements, making it a valuable tool for investors [2][3]. - Institutional investors utilize earnings estimates to determine the fair value of stocks, and their trading actions based on these estimates can lead to significant price movements [3]. Business Improvement Indicators - The upgrade in ratings and rising earnings estimates suggest an improvement in Customers Bancorp's underlying business, which could lead to an increase in stock price as investors respond positively [4]. Importance of Earnings Estimate Revisions - Research indicates a strong link between earnings estimate revisions and stock performance, emphasizing the importance of tracking these revisions for investment decisions [5]. - The Zacks Rank system effectively leverages earnings estimate revisions to classify stocks, providing a structured approach to investment [6]. Specific Earnings Estimates for Customers Bancorp - For the fiscal year ending December 2025, Customers Bancorp is projected to earn $6.33 per share, with a 1.1% increase in the Zacks Consensus Estimate over the past three months [7]. Zacks Rating System Overview - The Zacks rating system maintains a balanced distribution of ratings, with only the top 20% of stocks receiving a "Strong Buy" or "Buy" rating, indicating superior earnings estimate revisions [8][9]. - Customers Bancorp's upgrade to Zacks Rank 2 places it in the top 20% of Zacks-covered stocks, suggesting potential for market-beating returns in the near term [9].

Company Overview - Save Advisers, LLC and its affiliate Save Technologies LLC have launched the Market Savings Sub-advisory Program, an investment-driven deposit program for Registered Investment Advisers [1][2] - Customers Bank, a subsidiary of Customers Bancorp, Inc., provides the deposit accounts for this program, which are eligible for FDIC insurance [2][5] Program Features - The Market Savings Sub-advisory Program combines deposit accounts with a market-based yield enhancement strategy managed by Save Advisers LLC [1][2] - The program is designed for simplicity and security, with investment strategy allocations made according to adviser selections and managed within the Save platform [2] - The minimum deposit for participation in the program is set at $10,000 for a one-year term, with potential fees that may reduce earnings on investments [3] Industry Impact - The program aims to enhance cash management solutions in the wealth advisory industry, providing advisers with options that preserve principal while creating growth opportunities [3] - Customers Bank is recognized as one of the top-performing bank holding companies in the U.S., with over $22 billion in assets, and has received accolades for its customer service and product offerings [5][7]

Company Overview - Customers Bancorp, Inc. was established in 1997 as New Century Bank in Phoenixville, Pennsylvania [1] - In 2009, Jay Sidhu became the bank's Chairman and CEO, previously serving as the CEO of Sovereign Bancorp [1] Historical Context - The bank has undergone significant leadership changes since its inception, indicating a potential shift in strategic direction under new management [1]

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]

分组1 - Customers Bancorp (CUBI) reported quarterly earnings of $1.54 per share, exceeding the Zacks Consensus Estimate of $1.28 per share, but down from $1.68 per share a year ago, representing an earnings surprise of 20.31% [1] - The company posted revenues of $194.28 million for the quarter ended March 2025, surpassing the Zacks Consensus Estimate by 3.97%, compared to $181.62 million in the same quarter last year [2] - Customers Bancorp has outperformed the S&P 500, with shares losing about 0.5% since the beginning of the year, while the S&P 500 declined by 8.6% [3] 分组2 - The current consensus EPS estimate for the coming quarter is $1.56 on revenues of $197.32 million, and for the current fiscal year, it is $6.08 on revenues of $799.68 million [7] - The Zacks Industry Rank for Banks - Southeast is currently in the top 25% of over 250 Zacks industries, indicating a favorable outlook for the industry [8]