Here's What Key Metrics Tell Us About Customers Bancorp (CUBI) Q4 Earnings

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]