NYSE$CUBI

Customers Bancorp Inc · Q4 2025 earnings

Q4 2025 earnings · · After market close · Investor relations

Briefing

Customers Bancorp reported Q4 2025, net income of $70.1M, diluted EPS of $1.98.

For Q4 2025, Customers Bancorp reported net income of $70.1M, diluted EPS was $1.98. Management discusses segment performance, capital allocation, and outlook in the earnings filing.

  • Net income $70.1M.
  • Diluted EPS $1.98.
  • Customers Bancorp highlights liquidity, credit, and 2026 priorities.

Headline financials

Total Revenue

$237M

Previous: $168M+41.2%
EPS (adj)

$1.98

Previous: $1.36+45.6%
ROAA

1.2%

Previous: 0.5%+150.0%
ROCE

13.3%

Previous: 5.5%+141.5%
Net Interest Margin

3.4%

Previous: 3.1%+9.3%
Efficiency Ratio

49.5%

Previous: 56.9%-12.9%
Core Earnings

$72.9M

Previous: $44.2M+64.9%
Core ROAA

1.2%

Previous: 0.9%+38.4%
Core ROCE

13.8%

Previous: 10.4%+32.3%
Core Efficiency Ratio

49.5%

Previous: 56.1%-11.8%
Net Charge-Offs

$13.7M

Previous: $14.6M-5.9%
Net Charge-Off Ratio

0.3%

Previous: 0.4%-19.5%
NPL Ratio

0.3%

Previous: 0.3%-13.3%
Reserves to NPLs

356.3%

Previous: 316.1%+12.7%
NPA Ratio

0.3%

Previous: 0.3%+16.0%
TCE / TA

8.5%

Previous: 7.6%+11.8%
CET1 Ratio

13.0%

No prior period
Tier 1 Leverage

8.9%

No prior period
Net Income

$70.1M

Previous: $26.9M+160.4%
Operating Income

$97.3M

Previous: $35.9M+171.3%

Revenue & EPS history

Customers Bancorp · Revenue · Quarterly

$237M

Q4 2025+41.2%vs Q4 2024
Beat estimate in 8 of 13 quarters(62%)
ActualEstimate

Forward guidance

The release discusses Customers Bancorp's outlook for upcoming periods, including capital allocation, operating priorities, and market risks, without relying solely on numeric EPS bridges.

Tailwinds

  • Customers Bancorp cites operational execution and demand trends supporting the outlook.
  • Balance sheet and liquidity actions aim to fund growth and shareholder returns.
  • Net interest margin and loan/deposit growth support the regional banking outlook.

Headwinds

  • Macro, pricing, and input-cost volatility could pressure margins.
  • Segment mix and one-time items may affect quarter-to-quarter comparability.
  • Credit costs and funding competition remain key risks for banks.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q4 2025

Historical avgQ4 2025

+1.5%

Avg return

Earnings day

+1.6%

Avg return

5 days after

+4.2%

Avg return

30 days after

61%

37 / 61 earnings

Positive

+23.2%

Q3 2023

Best reaction

-18.9%

Q2 2015

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-3.5%-2.1%-3.5%
Q4 2025-7.8%-5.8%-10.2%
Q3 2025+7.3%+2.9%+0.7%
Q2 2025-1.2%-1.3%+1.8%
Q1 2025-2.9%-0.7%+0.8%
Q4 2024+13.9%+13.6%+5.8%
Q3 2024+0.0%+1.7%+23.6%
Q2 2024+9.2%+2.8%-16.7%
Q1 2024-6.5%-8.8%-9.8%
Q4 2023+2.6%+6.3%-0.8%
Q3 2023+23.2%+24.6%+39.8%
Q2 2023+0.0%-2.8%-17.2%
Q1 2023+20.8%+0.8%+36.5%
Q4 2022-15.3%-11.0%-1.4%
Q3 2022-4.2%+1.8%-2.6%
Q2 2022-1.4%-1.9%-6.2%
Q1 2022+5.4%+3.1%-0.4%
Q4 2021-4.4%-6.7%-4.1%
Q3 2021+7.4%+15.3%+17.8%
Q2 2021-1.9%-3.7%+15.3%
Q1 2021+1.7%+7.4%+16.2%
Q4 2020+1.3%+3.0%+21.7%
Q3 2020+5.3%+8.6%+36.9%
Q2 2020+9.3%+6.9%+18.9%
Q1 2020-2.6%-4.5%+1.4%
Q4 2019+6.0%+3.3%+0.0%
Q3 2019+4.8%+11.3%+11.4%
Q2 2019-1.8%+1.6%-8.2%
Q1 2019-2.9%+0.4%-7.6%
Q4 2018-3.1%-2.1%+7.0%
Q3 2018+13.3%+13.1%+4.6%
Q2 2018-10.0%-12.8%-13.3%
Q1 2018+3.1%+1.3%+5.8%
Q4 2017+2.9%-0.5%+0.6%
Q3 2017-7.6%-10.3%-14.0%
Q2 2017+0.7%+4.8%+0.8%
Q1 2017+3.5%+3.9%-4.5%
Q4 2016+0.1%-1.0%+0.4%
Q3 2016+7.3%+6.6%+22.5%
Q2 2016-2.9%-3.9%-3.4%
Q1 2016+2.0%
Q4 2015+6.5%
Q3 2015-2.1%
Q2 2015-18.9%
Q1 2015+3.2%
Q4 2014+3.3%
Q3 2014+4.2%
Q2 2014+4.4%
Q1 2014+0.5%
Q2 2013+0.4%
Q4 2013+0.4%
Q3 2013+1.1%
Q1 2013-1.0%
Q4 2012+1.2%
Q2 2012+1.2%
Q3 2012-8.5%
Q2 2011+0.0%
Q1 2012+13.6%
Q1 2011+13.6%
Q4 2011+0.0%
Q4 2009+0.0%
Q3 2010
Q4 2010
Q3 2011

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