Should You Buy Customers Bancorp Inc (CUBI) Today? Analysis, Price Targets, and 2026 Outlook.
Conclusion
Buy
Latest Price
78.950
1 Day change
3.19%
52 Week Range
82.560
Analysis Updated At
2026/01/28
Buy now for a beginner long-term investor. The setup combines strong, accelerating fundamentals (Q4 2025 blowout growth in revenue/EPS/net income), broadly bullish Wall Street revisions (multiple price-target raises with mostly Buy ratings), and bullish options sentiment (very low put/call ratios). Technically, the longer-term trend remains up (bullish moving-average stack), and the current dip below the pivot looks like a reasonable entry for an impatient buyer rather than waiting for a perfect pullback.
Intellectia Proprietary Trading Signals
- [AI Stock Picker](module://ai_stock_pick): No signal on given stock today.
- [SwingMax](module://swingmax): No signal on given stock recently.
Technical Analysis
Trend/structure: Bullish moving-average alignment (SMA_5 > SMA_20 > SMA_200) indicates the primary trend is still upward.
Momentum: MACD histogram is negative (-0.406) but negatively contracting, which often suggests downside momentum is fading rather than accelerating.
RSI: RSI_6 at ~49.4 is neutral—no overbought/oversold condition.
Key levels: Price ~76.51 is slightly below the pivot (77.469). Near-term resistance levels are ~81.423 (R1) and ~83.865 (R2). Supports are ~73.515 (S1) and ~71.073 (S2). Overall read: uptrend intact, with mild short-term cooling; favorable for initiating a long-term position on the current dip.
Options Data
Bullish
Open Interest Put-Call Ratio
Bullish
Option Volume Put-Call Ratio
Sentiment: Both open-interest and volume put/call ratios are very low, signaling bullish positioning and demand skewed toward calls.
Volatility: 30D IV (~104%) is extremely elevated versus historical vol (~42.9%), implying the options market is pricing large moves; IV percentile ~63.6 suggests IV is high relative to its own history. This combination often reflects heightened interest around recent results and forward expectations.
Activity: Today’s volume (71) is below the 30-day average (today vs avg ~81.6%), but open interest looks healthy (total OI ~2840). Net takeaway: options sentiment is bullish, consistent with the post-earnings optimism.
Technical Summary
Sell
1
Buy
12
Positive Catalysts
Strong Q4 2025 results: revenue +43.41% YoY, net income +201.25% YoY, EPS +178.87% YoY, and core EPS cited at $7.61 for Q4 with 36% YoY growth.
Balance sheet momentum: reported loan and deposit growth; 2025 total loans and leases up 14.5% to $16.8B.
Analyst support: multiple firms raised price targets on 2026-01-26 and reiterated Buy ratings, citing strong earnings power and continued momentum into
Leadership/operations: appointment of a COO (effective 2026-01-
can support execution and scaling after a strong growth year.
Neutral/Negative Catalysts
Short-term technical cooling: MACD remains below zero and price is under the pivot, suggesting the stock may chop or digest gains near term even within an uptrend.
Elevated implied volatility: options are pricing big moves; while sentiment is bullish, pricing implies the market expects larger swings.
Positioning/flow not strongly supportive from smart money: hedge funds and insiders are reported as neutral (no significant recent trend), so there is no clear incremental tailwind from those buyer groups right now.
Mixed Wall Street stance at the margin: at least one Market Perform/Equal Weight view suggests some see valuation/risk-reward as more balanced versus peers.
Financial Performance
Latest quarter: 2025/Q4.
Growth trends were very strong: Revenue rose to 209,048,000 (+43.41% YoY). Net income rose to 70,088,000 (+201.25% YoY). EPS increased to 1.98 (+178.87% YoY). News flow also highlighted core earnings/core EPS strength and continued loan/deposit growth. Overall, the latest quarter supports a long-term bullish thesis driven by accelerating profitability and balance-sheet expansion.
Growth
Profitability
Efficiency
Analyst Ratings and Price Target Trends
Recent trend (latest updates 2026-01-26): multiple price-target raises and generally bullish reaffirmations.
- B. Riley: Buy; PT raised to $104 from $90 (cites standout growth, core EPS up 36% YoY, views pullback as attractive entry).
- Maxim: Buy; PT raised to $100 from $95 (cites loan/deposit growth and stable NIM).
- DA Davidson: Buy; PT raised to $95 from $93 (positive 2026 outlook, above-average growth pipelines).
- Keefe Bruyette: Market Perform; PT raised to $88 from $82.
- Morgan Stanley (2025-12-08): Equal Weight; PT $90 (likes story but views risk/reward as balanced at valuation).
Wall Street pros: strong earnings momentum, growth in loans/deposits, improving outlook into 2026.
Wall Street cons: some see valuation/risk-reward as less compelling versus alternatives despite the strong operating performance.
Influential/politician activity: No recent congress trading data available; insider trading trend shown as neutral.
Wall Street analysts forecast CUBI stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for CUBI is 84.23 USD with a low forecast of 68 USD and a high forecast of 95 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.
8 Analyst Rating
Wall Street analysts forecast CUBI stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for CUBI is 84.23 USD with a low forecast of 68 USD and a high forecast of 95 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.
5 Buy
3 Hold
0 Sell
Moderate Buy
Current: 76.510
Low
68
Averages
84.23
High
95
Current: 76.510
Low
68
Averages
84.23
High
95
B. Riley
NULL -> Buy
maintain
$90 -> $104
AI Analysis
2026-01-26
New
Reason
B. Riley
Price Target
$90 -> $104
AI Analysis
2026-01-26
New
maintain
NULL -> Buy
Reason
B. Riley raised the firm's price target on Customers Bancorp to $104 from $90 and keeps a Buy rating on the shares. Strong Q4 EPS capped a standout year of growth, with core EPS up 36% year over year and meaningful outperformance versus peers driven by earnings power, the analyst tells investors in a research note. Despite the stock's recent pullback after a sharp 52-week run, the drawdown is viewed as an attractive entry point given continued momentum into 2026, the firm says.
Maxim
NULL -> Buy
maintain
$95 -> $100
2026-01-26
New
Reason
Maxim
Price Target
$95 -> $100
2026-01-26
New
maintain
NULL -> Buy
Reason
Maxim raised the firm's price target on Customers Bancorp to $100 from $95 and keeps a Buy rating on the shares. The firm cites the company's Q4 earnings beat thanks to 3% loan growth, 2% deposit growth and a relatively stable net interest margin, results in continued growth in net interest income, the analyst tells investors in a research note.
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