CUBI at a glance
Customers Bancorp, Inc. (CUBI, SEC CIK 1488813) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on August 7, 2026, an 8-K current report on July 27, 2026 and Form 4 insider filings as recently as September 17, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), Customers Bancorp, Inc. (CUBI) reported revenue of $1.4 billion (up 2.4% from FY2024) and net income of $224.1 million. Diluted EPS was $6.26.
- As of June 30, 2026, 33 institutional investment managers tracked by SignalX reported holding Customers Bancorp, Inc. (CUBI) shares worth $1.2 billion in 13F-HR filings.
- In the last 90 days, CUBI insiders reported 0 open-market purchases ($0) and 4 open-market sales ($8.8M) on Form 4, a net sale of $8.8M.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $1.4B
- +2.4% vs prior year
- Insiders · 90 days
- 0 buys · 4 sells
- Net −$8.8M
- 13F holders
- 33 funds
- $1.2B · −1 vs prior quarter
- Latest 8-K
- Jul 27, 2026
- Item 5.02
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business: diversified commercial and consumer banking with branch-light, high-tech, high-touch private banking strategy emphasizing specialized lending and digital services
- New in 2023-2025: venture banking loan portfolio acquisition; onboarding 17+ commercial banking teams in NY, CA, NV, plus national teams in sports, entertainment, municipal finance
- Strategic shift: accelerated deposit growth via team lift-outs in key markets and expanded national specialized lending verticals, focusing on tech, venture, and fund finance
- Key metric: total assets $24.9B, loans $16.6B, deposits $20.8B, shareholders’ equity $2.1B as of Dec 31, 2025, with commercial loans 91.5% of total loan portfolio
- Noteworthy fact: proprietary cubiX 24/7/365 B2B instant payments platform enhances low-cost deposits and fee income, underpinning digital banking competitive advantage
Risk Factors
- Regulatory risk: New York's Housing Stability and Tenant Protection Act (2019) impacting $849M multifamily loans with 50%+ rent-regulated units in NYC
- Macroeconomic risk: $15.4B commercial loans concentrated in Northeast and Mid-Atlantic regions vulnerable to local economic downturns and real estate value declines
- Operational risk: Dependency on proprietary B2B instant payments platform cubiX for digital asset ecosystems; loss of key deposit relationships could reduce low-cost deposits
- Competitive risk: Exposure to loan portfolio shifts via purchases from fintech companies potentially altering credit risk profile adversely
- Financial risk: ACL of $155.7M (1.03% of loans) may be insufficient, requiring additions that could materially reduce net income and risk-based capital
Management Discussion & Analysis
- Revenue: Net interest income $750.5M, up 14.7% YoY from $654.4M; total non-interest income $67.8M, up 12.2% YoY from $60.4M
- Profitability: Net interest margin 3.32% vs 3.15% YoY; effective tax rate 22.3% vs 19.1% YoY; net income available to common shareholders $209.2M, up 25.7% from $166.4M
- Best segment: Specialized lending loans interest income increased $40.96M driven by volume increase; Worst segment: Investment securities interest income down $40.5M due to volume and rate declines
- Capital allocation: Redeemed Series E and F Preferred Stock, paying $142.5M including $4.7M loss on redemption; Provision for credit losses $97.96M, up 33.4% YoY; maintained $6.2B liquidity with cash $4.4B at year-end
- Outlook/risks: Uncertainties from inflation above 2% target until 2028, geopolitical conflicts, tariffs, banking system stress, and economic forecasts may affect credit loss provisions and financial results in 2026
AI summary of the CUBI 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Net income available to common shareholders $71.6M, up 28.1% YoY from $55.8M
- Net interest income $193.4M, up 9.4% YoY; NIM 3.17% vs 3.27%
- Best growth: commercial and industrial specialized lending, driving higher average interest-earning assets
- ACL $174.1M; provision for credit losses $23.1M, up 11.0% YoY
- Cash $4.2B and immediate FRB/FHLB liquidity approximately $7.0B; outlook uncertainty from inflation, tariffs, conflicts, and rates
Risk Factors
- No material changes to risk factors from the 2025 Form 10-K
- Regulatory dividend constraint, with payments limited unless Bank capital ratios exceed minimums by 250 basis points
- Liquidity and capital risk from $100.0 million share-repurchase authorization
- Shareholder-return risk, with no cash dividends expected in the foreseeable future
- Unidentified risks, including currently unknown or immaterial factors, could materially harm results
AI summary of the CUBI 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 5.02: Departure/Appointment of Directors or Principal Officers
- CFO Mark R. McCollom’s amended agreement preserves substantially all prior employment terms
- Automatic one-year renewals unless either party provides 60 days’ cancellation notice
Item 2.02: Results of Operations and Financial Condition
- Q2 2026 unaudited financial results announced for quarter ended June 30, 2026
- Press release issued July 23, 2026 and included as Exhibit 99.1
Item 7.01: Regulation FD Disclosure
- Regulation FD filing incorporates Exhibits 99.1 and 99.2 as the substantive disclosures
- Investor impact depends on the information contained in those exhibits, which are not included here
Item 5.02: Departure/Appointment of Directors or Principal Officers
- New supplemental retirement plan for Lyle Cunningham, superseding his April 27, 2022 plan
- $12,500 monthly lifetime benefit after separation following Normal Retirement Age
AI summaries of CUBI 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for CUBI
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- Fund moves. Which tracked funds opened, added or cut CUBI, by share count.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Banks Bernard Bennett | A | Sep 15, 2026 | 879 | $78.91 |
| Gill Mike | A | Sep 15, 2026 | 625 | $78.91 |
| Looney Susan Dianne | A | Sep 15, 2026 | 625 | $78.91 |
| Zuckerman Steven J | A | Sep 15, 2026 | 1,053 | $78.91 |
| Way T Lawrence | A | Sep 15, 2026 | 847 | $78.91 |
| Allon Andrea R. | A | Sep 15, 2026 | 625 | $78.91 |
| Sirmans Dalton Talley | A | Sep 15, 2026 | 736 | $78.91 |
| Krasne Robert Morris | A | Sep 15, 2026 | 847 | $78.91 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $1.4B | $1.3B | $1.4B |
| Net Income | $250.1M | $181.5M | $224.1M |
| Net Margin | 18.3% | 13.7% | 16.5% |
| Balance Sheet | |||
| Total Assets | $21.3B | $22.3B | $24.9B |
| Equity | $1.6B | $1.8B | $2.1B |
| ROE | 15.3% | 9.9% | 10.6% |
| Per Share | |||
| EPS | - | $5.09 | $6.26 |
| Cash Flow | |||
| Operating CF | $124.7M | $145.1M | $494.8M |
| CapEx | $590K | $1.5M | $13.7M |
Source: XBRL data in Customers Bancorp, Inc. (CUBI)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate CUBI share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 33 | $1.19B |
| Q1 2026 | 34 | $1.07B |
| Q4 2025 | 30 | $1.11B |
| Q3 2025 | 30 | $966.7M |
| Q2 2025 | 29 | $791.5M |
| Q1 2025 | 26 | $477.7M |
| Q4 2024 | 22 | $410.5M |
| Q3 2024 | 20 | $286.9M |
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- HANCOCK WHITNEY CORP+5.2K
- Marex Group plc−3.6K
- M&T Bank−3.1K
Source: 13F-HR filings on SEC EDGAR (aggregated from 224 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
CUBI filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Sep 17, 2026 | - | - | - |
| 4 | Sep 17, 2026 | - | - | - |
| 4 | Sep 17, 2026 | - | - | - |
| 4 | Sep 17, 2026 | - | - | - |
| 4 | Sep 17, 2026 | - | - | - |
| 4 | Sep 17, 2026 | - | - | - |
| 4 | Sep 17, 2026 | - | - | - |
| 4 | Sep 17, 2026 | - | - | - |
| 4 | Sep 17, 2026 | - | - | - |
| 4 | Sep 8, 2026 | - | - | - |
| 4 | Aug 17, 2026 | - | - | - |
| 10-Q | Aug 7, 2026 | Jun 30, 2026 | Analysis | |
| 4 | Aug 5, 2026 | - | - | - |
| 4 | Jul 31, 2026 | - | - | - |
| 8-K | Jul 27, 2026 | - | Analysis | - |
| 8-K | Jul 23, 2026 | - | Analysis | - |
| 8-K | Jul 8, 2026 | - | Analysis | - |
| 4 | Jun 16, 2026 | - | - | - |
| 4 | Jun 16, 2026 | - | - | - |
| 4 | Jun 16, 2026 | - | - | - |
| 4 | Jun 16, 2026 | - | - | - |
| 4 | Jun 16, 2026 | - | - | - |
| 4 | Jun 16, 2026 | - | - | - |
| 4 | Jun 16, 2026 | - | - | - |
| 4 | Jun 16, 2026 | - | - | - |
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CUBI SEC filings: frequently asked questions
Are CUBI insiders buying or selling?
In the last 90 days, Customers Bancorp, Inc. (CUBI) officers, directors and 10% owners reported no open-market purchases and 4 open-market sales worth $8.8 million by 2 insiders on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold CUBI stock?
As of June 30, 2026, the largest Customers Bancorp, Inc. (CUBI) holders among the 13F filers tracked by SignalX were BlackRock ($385.2 million), State Street Corp ($164.5 million), Dimensional Fund Advisors ($159.2 million), Vanguard Capital Management LLC ($107.5 million), Vanguard Portfolio Management LLC ($52.6 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was CUBI's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), Customers Bancorp, Inc. (CUBI) reported revenue of $1.4 billion (up 2.4% from FY2024) and net income of $224.1 million. Diluted EPS was $6.26. The figures come from the XBRL data in the 10-K.
What are the main risks in CUBI's latest 10-K?
In the 10-K filed February 27, 2026, Customers Bancorp, Inc. (CUBI) flagged: Regulatory risk: New York's Housing Stability and Tenant Protection Act (2019) impacting $849M multifamily loans with 50%+ rent-regulated units in NYC. Macroeconomic risk: $15.4B commercial loans concentrated in Northeast and Mid-Atlantic regions vulnerable to local economic downturns and real estate value declines. (AI summary of the Risk Factors section.)
What did CUBI report in its latest 8-K?
Customers Bancorp, Inc. (CUBI) filed an 8-K on July 27, 2026 reporting Item 5.02 (Departure/Appointment of Directors or Principal Officers). CFO Mark R. McCollom’s amended agreement preserves substantially all prior employment terms.
What are the latest CUBI SEC filings?
Customers Bancorp, Inc. (CUBI) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on August 7, 2026, an 8-K current report on July 27, 2026 and a Form 4 insider filing on September 17, 2026.
What is CUBI's SEC CIK number?
Customers Bancorp, Inc. (CUBI)'s SEC Central Index Key (CIK) is 1488813. EDGAR lists every CUBI filing under that number.
Ask anything about CUBI
The research agent reads CUBI's filings, financials, insider trades and 13F holders, then answers with sources.