Customers Bancorp

CUBI

Banks - Regional · Financial Services

Price

$78.31

-1.44 (-1.81%)

Market Cap

$2.65B

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Share count rising — dilution

+5.1% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 33.7M (2021) → 35.4M (2025)

Customers Bancorp is a regional bank headquartered in Pennsylvania that takes deposits from individuals and businesses and lends that money out as loans. It serves small and mid-sized businesses, real estate investors, and everyday consumers across the northeastern United States. The bank is known for its digital-first approach, including a blockchain-based payments platform called CBIT that it built to serve cryptocurrency and fintech companies.

Customers Bancorp makes money the traditional banking way — it earns interest on loans and charges fees for services, keeping the difference between what it pays depositors and what borrowers pay back. It operates mainly in Pennsylvania, New York, New Jersey, and a few other states, with roughly $22 billion in total assets, making it a mid-sized regional bank. The shutdown of its CBIT platform in 2023 removed a key differentiator, and the bank now faces the challenge of finding new growth drivers while managing credit quality in a higher interest rate environment.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+29.7% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

+580.0% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

6.2%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$89M cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Company generates more cash than it spends — no dilution risk from fundraising

Revenue accelerating

Customers Bancorp grew revenue 30% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

54.6%

Healthy — 54.6% gross margin

Operating Margin

24.4%

Excellent — 24.4% operating margin

ROCE

2.2%

Weak — 2.2% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+15.5%

Fast-growing sales (15.5% YoY)

EPS YoY

+97.6%

Earnings growing fast (97.6% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Cash Conversion

155%

Turns 155% of profit into real cash

FCF Margin

19.7%

Converts sales into free cash efficiently (19.7%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

Debt / Equity

0.89

Moderate — manageable debt (0.89)

Interest Cover

0.64x

Dangerous — barely covers interest (0.6x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

9.6x

Attractive valuation — P/E 9.6

P/E under 10. The price tag is small relative to last year's profit.

P/E vs Forward

+0.5

GROWING

Earnings roughly flat

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Dividends

Not applicable for this business.

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