Customers Bancorp, Inc. (CUBI) FY2025 10-K Annual Report
Customers Bancorp, Inc. (CUBI) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 27, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
Customers Bancorp, Inc. FY2025 10-K Analysis
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
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
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
Customers Bancorp, Inc. FY2025 Key Financial MetricsXBRL
Revenue
$1.4B
▲ +2.4% YoY
Net Income
$224M
▲ +23.5% YoY
Net Margin
16.5%
▲ +282bp YoY
ROE
10.6%
▲ +71bp YoY
Total Assets
$24.9B
▲ +11.6% YoY
EPS (Diluted)
$6.26
▲ +23.0% YoY
Operating Cash Flow
$495M
▲ +241.1% YoY
Source: XBRL data from Customers Bancorp, Inc. FY2025 10-K filing on SEC EDGAR. All figures in USD.
Get deeper insights on Customers Bancorp, Inc.
Access full AI analysis, insider trading data, fund holdings, and cross-signal detection on SignalX.