Customers Bancorp (CUBI) Reports Q4 2025 Earnings with Core EPS of $7.61, Strong Growth Metrics
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 6d ago
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Source: seekingalpha
- Core Earnings Growth: Customers Bancorp reported a core EPS of $7.61 for Q4 2025, a 36% increase from $5.60 in 2024, indicating a significant enhancement in profitability and reinforcing its market position.
- Deposit and Loan Growth: The company achieved a $2 billion (10%) increase in deposits and a 15% rise in loans for 2025, reflecting robust performance from its core commercial banking operations and sustained market demand, which is expected to lay the groundwork for future revenue growth.
- Payments Platform Expansion: The cubiX payments platform processed $2 trillion in payment volume in 2025, a 30% year-over-year increase, positioning Customers Bancorp as the largest commercial payments network in the U.S., thereby enhancing its competitiveness in the fintech sector.
- 2026 Outlook: Management anticipates loan and deposit growth of 8% to 12% in 2026, with plans to increase net interest income to between $800 million and $830 million, demonstrating confidence in future growth and a clear strategic roadmap.
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Analyst Views on CUBB
Wall Street analysts forecast CUBB stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for CUBB is USD with a low forecast of USD and a high forecast of USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
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Current: 22.402
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About CUBB
Customers Bancorp, Inc. is a bank holding company, which is engaged in banking activities through its subsidiary, Customers Bank (the Bank). The Bank provides banking products, primarily loans and deposits, to businesses and consumers through its branches, limited production offices and administrative offices in Berks County and Southeastern Pennsylvania, New York, Hamilton, New Jersey, Boston, Massachusetts, and other geographies. The Bank administratively supports loans and other financial products, including equipment finance leases, to customers. It also offers venture banking loan portfolios. The Bank serves specialty businesses nationwide, including its commercial loans to mortgage companies, commercial equipment financing, SBA lending, specialty lending and consumer loans through relationships with fintech companies. The Bank’s specialty lending includes fund finance, real estate specialty finance, technology and venture, healthcare, and financial institutions group.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Customers Bancorp (CUBI) Reports Q4 2025 Earnings with Core EPS of $7.61, Strong Growth Metrics
- Core Earnings Growth: Customers Bancorp reported a core EPS of $7.61 for Q4 2025, a 36% increase from $5.60 in 2024, indicating a significant enhancement in profitability and reinforcing its market position.
- Deposit and Loan Growth: The company achieved a $2 billion (10%) increase in deposits and a 15% rise in loans for 2025, reflecting robust performance from its core commercial banking operations and sustained market demand, which is expected to lay the groundwork for future revenue growth.
- Payments Platform Expansion: The cubiX payments platform processed $2 trillion in payment volume in 2025, a 30% year-over-year increase, positioning Customers Bancorp as the largest commercial payments network in the U.S., thereby enhancing its competitiveness in the fintech sector.
- 2026 Outlook: Management anticipates loan and deposit growth of 8% to 12% in 2026, with plans to increase net interest income to between $800 million and $830 million, demonstrating confidence in future growth and a clear strategic roadmap.
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Customers Bancorp targets 12% annualized loan growth and $1.5B-$2B new deposits in 2025
Management Insights: Customers Bancorp reported strong Q1 2025 results, highlighting a focus on deposit transformation, loan growth, and operational efficiency, with net interest income of $167.4 million and a core earnings per share of $1.54.
Outlook and Risks: The company expects continued loan growth and robust deposit strategies while acknowledging potential macroeconomic volatility and competition in the digital banking sector as risks to sustainability.
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