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Customers Bancorp Earnings Calls
| Release date | Oct 23, 2025 |
| EPS estimate | $1.90 |
| EPS actual | $2.20 |
| EPS Surprise | 15.79% |
| Revenue estimate | 188.905M |
| Revenue actual | 227.936M |
| Revenue Surprise | 20.66% |
| Release date | Jul 24, 2025 |
| EPS estimate | $1.50 |
| EPS actual | $1.80 |
| EPS Surprise | 20.00% |
| Revenue estimate | 186.022M |
| Revenue actual | 202.256M |
| Revenue Surprise | 8.73% |
| Release date | Apr 24, 2025 |
| EPS estimate | $1.28 |
| EPS actual | $1.54 |
| EPS Surprise | 20.31% |
| Revenue estimate | 165.123M |
| Revenue actual | 138.326M |
| Revenue Surprise | -16.23% |
| Release date | Jan 23, 2025 |
| EPS estimate | $1.21 |
| EPS actual | $1.36 |
| EPS Surprise | 12.40% |
| Revenue estimate | 160.48M |
| Revenue actual | 151.416M |
| Revenue Surprise | -5.65% |
Last 4 Quarters for Customers Bancorp
Below you can see how CUBI performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Jan 23, 2025 |
| Price on release | $50.35 |
| EPS estimate | $1.21 |
| EPS actual | $1.36 |
| EPS surprise | 12.40% |
| Date | Price |
|---|---|
| Jan 16, 2025 | $48.98 |
| Jan 17, 2025 | $50.00 |
| Jan 21, 2025 | $50.67 |
| Jan 22, 2025 | $50.13 |
| Jan 23, 2025 | $50.35 |
| Jan 24, 2025 | $57.35 |
| Jan 27, 2025 | $58.42 |
| Jan 28, 2025 | $57.02 |
| Jan 29, 2025 | $57.21 |
| 4 days before | 2.80% |
| 4 days after | 13.62% |
| On release day | 13.90% |
| Change in period | 16.80% |
| Release date | Apr 24, 2025 |
| Price on release | $50.33 |
| EPS estimate | $1.28 |
| EPS actual | $1.54 |
| EPS surprise | 20.31% |
| Date | Price |
|---|---|
| Apr 17, 2025 | $45.52 |
| Apr 21, 2025 | $44.01 |
| Apr 22, 2025 | $46.26 |
| Apr 23, 2025 | $48.46 |
| Apr 24, 2025 | $50.33 |
| Apr 25, 2025 | $48.85 |
| Apr 28, 2025 | $49.25 |
| Apr 29, 2025 | $50.67 |
| Apr 30, 2025 | $50.00 |
| 4 days before | 10.57% |
| 4 days after | -0.656% |
| On release day | -2.94% |
| Change in period | 9.84% |
| Release date | Jul 24, 2025 |
| Price on release | $61.44 |
| EPS estimate | $1.50 |
| EPS actual | $1.80 |
| EPS surprise | 20.00% |
| Date | Price |
|---|---|
| Jul 18, 2025 | $64.11 |
| Jul 21, 2025 | $63.93 |
| Jul 22, 2025 | $63.27 |
| Jul 23, 2025 | $62.55 |
| Jul 24, 2025 | $61.44 |
| Jul 25, 2025 | $61.69 |
| Jul 28, 2025 | $65.74 |
| Jul 29, 2025 | $65.33 |
| Jul 30, 2025 | $65.02 |
| 4 days before | -4.16% |
| 4 days after | 5.83% |
| On release day | 0.407% |
| Change in period | 1.42% |
| Release date | Oct 23, 2025 |
| Price on release | $65.55 |
| EPS estimate | $1.90 |
| EPS actual | $2.20 |
| EPS surprise | 15.79% |
| Date | Price |
|---|---|
| Oct 17, 2025 | $62.44 |
| Oct 20, 2025 | $64.50 |
| Oct 21, 2025 | $64.97 |
| Oct 22, 2025 | $64.01 |
| Oct 23, 2025 | $65.55 |
| Oct 24, 2025 | $70.11 |
| Oct 27, 2025 | $68.90 |
| Oct 28, 2025 | $68.21 |
| Oct 29, 2025 | $67.48 |
| 4 days before | 4.98% |
| 4 days after | 2.94% |
| On release day | 6.96% |
| Change in period | 8.07% |
Customers Bancorp Earnings Call Transcript Summary of Q3 2025
Customers Bancorp reported a strong Q3 2025 driven by deposit-led balance sheet growth, improved margins, disciplined loan growth and strengthened capital. Key financials: +$1.4B in deposits (record $6.4B noninterest-bearing; 31% of total deposits), +6% quarter-over-quarter loan growth (~$900M), NIM widened 19 bps to 3.46%, net interest income +14% to $202M (adjusted: +9% excluding a $10M accretion item), core EPS $2.20, ROA 1.25% and core ROE 15.5%. Management completed an oversubscribed common equity offering (net proceeds ~$163M) which improved CET1 to ~13% and tangible common equity to 8.4%. Efficiency improved (45.4%) despite continued investments, and management raised full-year 2025 guidance: deposits growth to 8–10% (from 5–9%), loan growth to 13–14% (from 8–11%) and NII growth to 13–15% (from 7–10%). Credit quality remains strong (NPAs 0.25% of assets; allowance 103 bps covering NPLs 534%), and the firm continues to scale its cubiX payments platform (large contribution to deposit growth and fee opportunity) while actively recruiting deposit-focused banking teams. Management emphasized continued focus on deposit transformation, risk management, AI-driven productivity initiatives and measured growth into 2026.
