Watch for Q4 2026 NIM run-rate of ~3.25% guidance and continued low-cost deposit gathering for margin expansion; monitor the cubiX payment platform scaling and AI-driven efficiency gains for operating leverage.
Price Chart
Executive Summary
Customers Bancorp reported Q3 2026 GAAP diluted EPS of $2.25 and core diluted EPS of $2.27, slightly above the $2.25 consensus. Net interest income rose 7.6% QoQ to $208M, and the company updated full-year 2026 guidance upward: NII to $805M-$810M (from $800M-$830M), loans 12%+, and deposits 9%+. The efficiency ratio improved 340 bps QoQ to 47.2%, and credit quality remained stable with NPA/asset ratio at 0.29%.
Key Financial Metrics
Key Facts
- Q3 2026 GAAP diluted EPS $2.25 vs consensus $2.25 (in_line; core diluted core EPS $2.27 vs consensus $2.25 beat 0.8%
- Net interest income $208M, +7.6% QoQ vs Q2 2026
- Full-year 2026 guidance raised: NII $805M-$810M, loans 12%+, deposits 9%+
- Efficiency ratio improved 340 bps QoQ to 47.2%
- Total loans $18.5B +2.8% QoQ; total deposits $22.6B +3.8% QoQ
- NPA ratio 0.29% of total assets; reserves to NPLs 322%
Financial Impact
Net interest income growth 7.6% QoQ, NII guidance raised to $805M-$810M range
Risk Factors
- AOCI increased $60M from increased unrealized losses on AFS securities ($60M net of taxes) from AOCI
- NPL ratio increased to 0.29% from 0.31% Q2 2026, up from 0.17% Q3 2025
- Common equity decreased $13M due to AOCI and share repurchases
Investment Themes
Documents Analyzed
This report is based on 7 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001488813-26-000100 |
| Document: q326investorpresentation.htm | 0001488813-26-000100 |
| Document: cubi-20261022.htm | 0001488813-26-000100 |
| Document: 0001488813-26-000100-index-headers.html | 0001488813-26-000100 |
| Document: 0001488813-26-000100-index.html | 0001488813-26-000100 |
| Document: 0001488813-26-000100.txt | 0001488813-26-000100 |
| 8-K Data (Synthetic) | 0001488813-26-000100 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 22, 2026 3d ago | 8-K | $78.73 | awaiting T+60 | — | $84.54 (+7.38%) |
Oct 8, 2026 17d ago | SC 13G | $74.60 | awaiting T+60 | — | $84.54 (+13.32%) |
Jul 27, 2026 12w ago | 8-K | $79.59 $76.31 | ▼ −4.12% | ▼ −8.47% | $84.54 (+6.22%) |
Jun 27, 2026 17w ago | Institutional Cluster | $79.12 $77.35 | ▼ −2.24% | ▼ −6.62% | $84.54 (+6.85%) |
May 11, 2026 24w ago | Insider Cluster | $74.12 $82.72 | ▲ +11.60% | ▲ +7.21% | $84.54 (+14.06%) |
Mar 5, 2026 33w ago | Court Ruling | $67.44 $74.34 | ▲ +10.23% | ▼ −3.04% | $84.54 (+25.36%) |
US Market Status
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