CUBI
Customers Bancorp, Inc.
NYSEUSDEQUITY
Financial Services
DELAYED
Neutral
+1/100
Last price
75.00
▼ 0.03 (0.04%)
MARKET · —
Price
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Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
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Tool
1D
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Range —
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vs
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Open
—
Prev close
75.03
Day high
75.75
Day low
74.63
Volume
174.68K
Market cap
$2.53B
P/E (TTM)
9.10
52W range
59.34 – 84.38
Trailing performance
Returnvs SPY
1W
+0.64%
-1.3%
1M
-7.49%
-8.6%
3M
-0.89%
-5.4%
6M
+4.57%
-13.6%
YTD
+2.57%
-11.7%
1Y
+16.33%
-0.1%
3Y
+117.71%
+35.5%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on CUBI open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
-45.07K
Net selling
Buy transactions
22
176.16K shares
Sell transactions
6
221.23K shares
Net transactions
+28
Buys less sells
Sell : buy shares
1.3 : 1
Mixed
Insider-held shares
3.10M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Aug 13, 26 | ALLON ANDREA R. Director |
SELL | 10.00K | $828.10K | Direct |
| Aug 3, 26 | SIDHU JAY S Chairman of the Board |
SELL | 68.82K | $5.51M | Direct |
| Jul 30, 26 | SIDHU JAY S Chairman of the Board |
SELL | 31.18K | $2.47M | Direct |
| Jun 15, 26 | BANKS BERNARD BENNETT Director |
STOCK | 881 | $68.90K | Direct |
| Jun 15, 26 | MACKAY ROBERT NEIL Director |
STOCK | 522 | $40.83K | Direct |
| Jun 15, 26 | KRASNE ROBERT MORRIS Director |
STOCK | 849 | $66.40K | Direct |
| Jun 15, 26 | LOONEY SUSAN DIANE Director |
STOCK | 625 | $48.88K | Direct |
| Jun 15, 26 | SIRMANS DALTON TALLEY Director |
STOCK | 737 | $57.64K | Direct |
| Jun 15, 26 | ALLON ANDREA R. Director |
STOCK | 625 | $48.88K | Direct |
| Jun 15, 26 | GILL MIKE Director |
STOCK | 625 | $48.88K | Direct |
| Jun 15, 26 | BUFORD ROBERT J Director |
STOCK | 849 | $66.40K | Direct |
| Jun 15, 26 | WAY T LAWRENCE Director |
STOCK | 849 | $66.40K | Direct |
| Jun 15, 26 | ZUCKERMAN STEVEN J Director |
STOCK | 958 | $74.92K | Direct |
| Jun 15, 26 | ROTHERMEL DANIEL K Director |
STOCK | 385 | $30.11K | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
ALLON ANDREA R. |
Director | 31.00K | Sale |
BUFORD ROBERT J |
Director | 24.47K | Stock Award(Grant) |
HEDDE GLENN ALAN |
Officer | 55.21K | Sale |
KASULKA THOMAS |
Officer | 22.97K | Stock Award(Grant) |
ROTHERMEL DANIEL K |
Director | 115.56K | Stock Award(Grant) |
SIDHU JAY S |
Chairman of the Board | 1.23M | Sale |
SIDHU SAMVIR S |
Chief Executive Officer | 523.95K | Purchase |
WATKINS PHILIP |
Officer | 43.99K | Sale |
WAY T LAWRENCE |
Director | 126.56K | Stock Award(Grant) |
ZUCKERMAN STEVEN J |
Director | 298.72K | Stock Award(Grant) |
Fundamentals
Market cap$2.53B
Enterprise value$729.18M
Revenue (TTM)$826.80M
Gross profit$826.80M
EBITDA—
Net income$285.03M
EPS (TTM)$8.24
Free cash flow—
Total cash$4.19B
Total debt$2.38B
Book value / share$65.31
Shares outstanding33.78M
Float31.80M
Short % of float10.91%
Dividend yield0.00%
Beta (5Y)1.53
Valuation & profitability ratios
Trailing P/E9.10
Forward P/E7.85
PEG ratio1.18
Price / sales—
Price / book1.15
EV / revenue0.88
EV / EBITDA—
Gross margin0.00%
Operating margin46.02%
Profit margin35.25%
Return on equity14.32%
Return on assets1.19%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $801.41M | $687.50M | $740.94M | $633.45M | +16.6% |
| Operating revenue | $801.41M | $687.50M | $740.94M | $633.45M | +16.6% |
| Selling, general & admin | $232.61M | $222.01M | $171.41M | $123.78M | +4.8% |
| Pre-tax income | $288.43M | $224.37M | $330.74M | $291.30M | +28.5% |
| Tax provision | $64.34M | $42.90M | $80.60M | $63.26M | +50.0% |
| Net income | $224.09M | $181.47M | $250.14M | $228.03M | +23.5% |
| Net income to common | $209.18M | $166.43M | $235.45M | $218.40M | +25.7% |
| Basic EPS | 6.46 | 5.28 | 7.49 | 6.69 | +22.3% |
| Diluted EPS | 6.26 | 5.09 | 7.32 | 6.51 | +23.0% |
| Basic shares | 32.39M | 31.51M | 31.44M | 32.63M | +2.8% |
| Diluted shares | 33.44M | 32.72M | 32.16M | 33.55M | +2.2% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $4.41B | $3.79B | $3.85B | $455.81M | — | +16.5% |
| Accounts receivable | $103.63M | $108.35M | $114.77M | $123.37M | — | -4.4% |
| Property, plant & equipment | $16.75M | $6.67M | $7.37M | $9.03M | — | +151.1% |
| Goodwill & intangibles | $3.63M | $3.63M | $3.63M | $3.63M | — | 0.0% |
| Total assets | $24.90B | $22.31B | $21.32B | $20.90B | — | +11.6% |
| Current debt | — | $100.00M | $0 | $300.00M | $700.00M | — |
| Long-term debt | $1.71B | $1.31B | $1.51B | $805.53M | — | +30.2% |
| Total debt | $1.71B | $1.41B | $1.51B | $1.11B | — | +21.0% |
| Total liabilities | $22.78B | $20.47B | $19.68B | $19.49B | — | +11.3% |
| Retained earnings | $1.54B | $1.33B | $1.16B | $924.13M | — | +15.8% |
| Shareholder equity | $2.12B | $1.84B | $1.64B | $1.40B | — | +15.2% |
| Net tangible assets | $2.11B | $1.83B | $1.63B | $1.40B | — | +15.2% |
| Shares issued | 36.19M | 35.76M | 35.46M | 35.01M | — | +1.2% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $224.09M | $181.47M | $250.14M | $228.03M | +23.5% |
| Depreciation & amortisation | $41.80M | $33.55M | $31.81M | $27.16M | +24.6% |
| Stock-based compensation | $18.46M | $14.44M | $12.59M | $14.15M | +27.9% |
| Change in working capital | $55.28M | -$132.81M | $42.26M | -$24.59M | +141.6% |
| Operating cash flow | $494.76M | $145.06M | $124.73M | -$20.82M | +241.1% |
| Capital expenditure | -$161.06M | -$65.19M | -$41.34M | -$113.35M | -147.1% |
| Investing cash flow | -$2.06B | -$1.01B | $3.16B | -$1.30B | -104.4% |
| Share buybacks | -$148.14M | -$19.24M | -$39.81M | -$33.16M | -669.8% |
| Dividends paid | -$10.80M | -$15.15M | -$14.64M | -$9.33M | +28.7% |
| Financing cash flow | $2.19B | $800.62M | $108.09M | $1.26B | +173.3% |
| Free cash flow | $333.70M | $79.87M | $83.39M | -$134.17M | +317.8% |
| End cash position | $4.41B | $3.79B | $3.85B | $455.81M | +16.5% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $223.70M | $221.81M | $232.89M | $227.94M | $202.26M | +0.9% |
| Operating revenue | $223.70M | $221.81M | $232.89M | $227.94M | $202.26M | +0.9% |
| Selling, general & admin | $61.10M | $60.06M | $61.58M | $57.86M | $58.22M | +1.7% |
| Pre-tax income | $89.45M | $90.31M | $97.30M | $100.34M | $78.90M | -0.9% |
| Tax provision | $17.89M | $20.65M | $22.81M | $24.60M | $17.96M | -13.4% |
| Net income | $71.56M | $69.65M | $74.49M | $75.75M | $60.94M | +2.7% |
| Net income to common | $71.56M | $69.65M | $70.09M | $73.73M | $55.85M | +2.7% |
| Basic EPS | 2.12 | 2.04 | 2.05 | 2.28 | 1.77 | +3.9% |
| Diluted EPS | 2.05 | 1.97 | 1.98 | 2.20 | 1.73 | +4.1% |
| Basic shares | 33.80M | 34.08M | 34.17M | 32.34M | 31.59M | -0.8% |
| Diluted shares | 34.91M | 35.31M | 35.40M | 33.46M | 32.37M | -1.2% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Cash & equivalents | $4.18B | $4.80B | $4.41B | $4.19B | $3.50B | — | -12.9% |
| Accounts receivable | $103.13M | $105.00M | $103.63M | $106.38M | $101.48M | — | -1.8% |
| Property, plant & equipment | $19.77M | $15.75M | $16.75M | $15.34M | $5.98M | — | +25.6% |
| Goodwill & intangibles | $3.63M | $3.63M | $3.63M | $3.63M | $3.63M | — | 0.0% |
| Total assets | $26.52B | $25.88B | $24.90B | $24.26B | $22.55B | — | +2.5% |
| Current debt | — | — | — | $50.00M | $100.00M | $100.00M | — |
| Long-term debt | $2.33B | $1.83B | $1.71B | $1.43B | $1.38B | — | +27.2% |
| Total debt | $2.33B | $1.83B | $1.71B | $1.48B | $1.48B | — | +27.2% |
| Total liabilities | $24.32B | $23.74B | $22.78B | $22.13B | $20.69B | — | +2.4% |
| Retained earnings | $1.68B | $1.60B | $1.54B | $1.47B | $1.39B | — | +4.5% |
| Shareholder equity | $2.21B | $2.14B | $2.12B | $2.13B | $1.86B | — | +2.9% |
| Net tangible assets | $2.20B | $2.14B | $2.11B | $2.12B | $1.86B | — | +2.9% |
| Shares issued | 33.77M | 36.31M | 36.19M | 36.16M | 36.12M | — | -7.0% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $71.56M | $69.65M | $74.49M | $75.75M | $60.94M | +2.7% |
| Depreciation & amortisation | $13.91M | $14.23M | $12.63M | $1.90M | $11.64M | -2.2% |
| Stock-based compensation | $5.72M | $5.73M | $5.39M | $4.41M | $4.41M | -0.1% |
| Change in working capital | -$5.88M | -$82.84M | $12.28M | $13.09M | $39.85M | +92.9% |
| Operating cash flow | $107.30M | $35.07M | $121.57M | $116.91M | $162.15M | +206.0% |
| Capital expenditure | -$26.38M | -$4.95M | -$61.00M | -$59.48M | -$23.50M | -432.5% |
| Investing cash flow | -$1.30B | -$626.28M | -$412.09M | -$1.03B | -$119.17M | -107.1% |
| Share buybacks | -$6.65M | -$42.74M | -$85.00M | $0 | -$57.50M | +84.4% |
| Dividends paid | $0 | $0 | -$1.95M | -$2.01M | -$3.41M | — |
| Financing cash flow | $570.37M | $977.96M | $516.34M | $1.59B | $31.84M | -41.7% |
| Free cash flow | $80.92M | $30.12M | $60.57M | $57.44M | $138.66M | +168.7% |
| End cash position | $4.18B | $4.80B | $4.41B | $4.19B | $3.50B | -12.9% |
Options analytics
Put / call volume
0.41
Call-heavy session
Put / call open interest
—
Positioning, not flow
Max pain
65.00
-13.3% from spot
ATM implied vol
0.0%
Nearest strike to spot
Skew (10% OTM)
+12.5%
Puts bid over calls
Call volume
17
Contracts, this expiry
Put volume
7
Contracts, this expiry
Heaviest call OI
72.50
0 contracts
Heaviest put OI
65.00
0 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 1.99 | 2.05 | +3.0% |
| Mar 2026 | 1.89 | 1.97 | +4.4% |
| Dec 2025 | 2.04 | 2.06 | +0.8% |
| Sep 2025 | 1.93 | 2.20 | +14.0% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 2.13 | 9 | $204.74M | +1.2% |
| Next quarter | 2.25 | 9 | $211.74M | +3.4% |
| Current year | 8.39 | 10 | $801.55M | +6.6% |
| Next year | 9.55 | 9 | $895.20M | +11.7% |
Analyst targets & ownership
Mean target$93.45
High target$110.00
Low target$76.00
Implied upside24.61%
Analyst count11
ConsensusBUY
Strong buy / Buy3 / 4
Hold3
Sell / Strong sell1 / 0
Held by insiders9.16%
Held by institutions101.49%
Institutions holding406
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
75.44
-0.59% from price
SMA 20
76.90
-2.47% from price
SMA 50
78.93
-4.98% from price
SMA 100
77.63
-3.39% from price
SMA 200
75.70
-0.93% from price
EMA 12
75.77
-1.02% from price
EMA 26
76.93
-2.51% from price
EMA 50
77.62
-3.37% from price
RSI (14)
39.1
Neutral
MACD (12,26,9)
-1.16
Hist -0.18
ATR (14)
1.66
2.22% of price
Realised vol 30D
20.0%
Annualised
Bollinger upper
80.28
20, 2σ
Bollinger lower
73.52
20, 2σ
50 / 200 cross
Golden
78.93 vs 75.70
Trend bias
Below 200
-0.93%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.94
Less volatile than market
Correlation to SPY
0.39
Loosely linked
Realised vol 30D
20.0%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-20.3%
Peak to trough
Max drawdown 5Y
-78.6%
Peak to trough
ATR 14
1.66
2.22% of price
Beta (reported)
1.53
5Y monthly, from filing
Short interest
Shares short
2.51M
Prior 2.30M
Change vs prior
+9.1%
Shorts adding
% of float
10.91%
Elevated
% of shares out
7.44%
Against total outstanding
Days to cover
11.0
Crowded exit
Float
31.80M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Oct 5, 26 | TD Cowen | MAINTAINED | Buy | Buy |
| Oct 1, 26 | JP Morgan | MAINTAINED | Overweight | Overweight |
| Sep 8, 26 | Morgan Stanley | DOWNGRADE | Equal-Weight | Underweight |
| Aug 3, 26 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Jul 27, 26 | DA Davidson | MAINTAINED | Buy | Buy |
| Jul 1, 26 | JP Morgan | MAINTAINED | Overweight | Overweight |
| Jun 29, 26 | Morgan Stanley | MAINTAINED | Equal-Weight | Equal-Weight |
| Jun 26, 26 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Apr 27, 26 | DA Davidson | MAINTAINED | Buy | Buy |
| Apr 27, 26 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Apr 1, 26 | JP Morgan | MAINTAINED | Overweight | Overweight |
| Mar 31, 26 | Morgan Stanley | MAINTAINED | Equal-Weight | Equal-Weight |
Dividends & splits
Forward rate—
Forward yield0.00%
5-year avg yield—
Payout ratio0.00%
Ex-dividend date—
Next pay date—
Last split11:10
Split dateMay 22, 2014
SEC filings
Periodic Financial Reports
10-Q · 2026-08-07
Corporate Changes & Voting Matters
8-K · 2026-07-27
Corporate Changes & Voting Matters
8-K · 2026-07-23
Corporate Changes & Voting Matters
8-K · 2026-07-08
Offering Registrations
S-8 · 2026-06-26
Corporate Changes & Voting Matters
8-K/A · 2026-06-03
Corporate Changes & Voting Matters
8-K · 2026-05-28
Periodic Financial Reports
10-Q · 2026-05-08
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PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.