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Customers Bancorp Inc (CUBI) — RQD Stock Rating Cockpit

$87.49 +0.93% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot)

Customers Bancorp Inc (CUBI) carries a Roarable Rating of C (Hold) with 65/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $2.96B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+3.2% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CUBI)Realized 20D OHLCV Swing Band: ±5.9%

RSI-14 MOMENTUMBULLISH MOMENTUM

64.630 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE98% OF RANGE

L: $63$87.49H: $88

1. Money & Cash Health● HEALTHY

Are profits real cash in the bank?

Real cash coming in backs up reported profits (steady margins and healthy balance-sheet cushion).

Factor Grade: BRQD 15 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: CRQD 25 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 25 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on CUBI

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (75)

10.6% ROIC with 42.0% gross margin and 16.27% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (62)

25/40 institutional & smart-money positioning score with 12/20 macro alignment.

Bull Case: Why Buyers Like CUBI

✓Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.
✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (CUBI Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

CUBI // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +14.71%⚡ TESTING RESISTANCE

2026-10-30O $87.51H $87.75L $83.28C $87.49VOL 343.6K

RES: $87.98SUP: $70.47SMA50: $77.99SMA200: $75.90

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CUBI Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CUBI Butterfly Map → + Track CUBI →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

4.5%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on CUBI today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CUBI. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for CUBI today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CUBI)

Financials Rank #315 of 1096 ⚔️ BANC vs CUBI Full Matrix →

1. Head-to-Head Financials Peer Comparison (CUBI vs. BANC, FHB, BOH, NBTB)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Customers Bancorp Inc (CUBI) ranks #315 by composite RQD confidence (65/100, grade C) and #370 by equity capitalization ($2.96B). Within this direct 5-issuer industry benchmark cohort, FHB leads on earnings valuation at 11.3x trailing P/E, while BOH leads on capital efficiency and profitability with 11.1% ROIC and — gross margin. BANC currently holds the highest overall quantitative score in the immediate peer group at 75/100 (B) compared with CUBI at 65/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
CUBI ACTIVE Customers Bancorp Inc	C	65/100	13.2x	—	10.6%	+0.93%	$2.96B	Benchmark Subject
BANC Banc of California Inc.	B	75/100	12.8x	—	6.5%	+0.60%	$2.94B	/banc-vs-cubi →
FHB First Hawaiian Inc.	C	63/100	11.3x	—	3.0%	+0.87%	$3.12B	/fhb-vs-cubi →
BOH Bank of Hawaii Corporation	B	72/100	13.4x	—	11.1%	+1.71%	$2.77B	/boh-vs-cubi →
NBTB NBT Bancorp Inc.	B	74/100	16.3x	—	8.9%	+1.92%	$2.75B	/nbtb-vs-cubi →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001488813

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Customers Bancorp Inc (CUBI) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $224.1M, operating cash flow of $494.8M, and free cash flow of $481.0M (+235.1% YoY). On the balance sheet, CUBI closed FY2025 with $24.90B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$224.1M	$494.8M	$481.0M	$24.90B	—
FY2024 (FY)	2024-12-31	$0	$181.5M	$145.1M	$143.6M	$22.31B	—
FY2023 (FY)	2023-12-31	$0	$250.1M	$124.7M	$124.7M	—	—

3. CUBI Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CUBI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Customers Bancorp Inc (NYSE: CUBI) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 at a spot price of $87.49 (+0.93% 1D, market cap $2.96B). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, CUBI ranks #315 in composite RQD confidence.

How does CUBI compare to BANC and FHB in the Financials sector?

Within the Financials sector (Major Banks), CUBI carries a Roarable C (65/100 RQD), trailing P/E of 13.2x, gross margin of —, and ROIC of 10.6%. By comparison, BANC (Banc of California Inc.) holds a B grade (75/100 RQD, P/E 12.8x, ROIC 6.5%, cap $2.94B) and FHB (First Hawaiian Inc.) posts a C grade (63/100 RQD, P/E 11.3x, ROIC 3.0%, cap $3.12B). Among the 5-stock peer group, FHB leads on earnings multiple (11.3x) while BOH leads on capital efficiency (11.1% ROIC).

What are the biggest fundamental strengths and SEC risk factors for CUBI?

Per CUBI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001488813), Customers Bancorp Inc generated $0 in revenue, $224.1M in net income, and $481.0M in free cash flow against $24.90B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is CUBI trading relative to its 50-day, 200-day, and 52-week technical levels?

CUBI last traded at $87.49 (+0.93% on volume of 417,308 shares), positioning the stock +12.18% above its 50-day simple moving average ($77.99) and +15.27% above its 200-day simple moving average ($75.90). Across its 52-week range of $63.44 to $88.05, CUBI sits at the 97.7% percentile with a 14-day RSI of 64.6 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.9% ($82.33 to $92.65).

CUBI Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell CUBI stock right now?

Customers Bancorp Inc (CUBI) currently earns a Roarable Rating of C (Hold — HOLD) with 65/100 RQD Confidence. Solid steady margins (11% return on capital), mixed timing at 13x P/E—hold if owned, no rush to chase.

What is CUBI's 12-month price target and RQD AI Jury consensus?

CUBI's 12-month base price target is $90.25 (range $70.39 to $106.49), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: CUBI RQD Cockpit CUBI 12M Forecast CUBI Earnings & Move CUBI Dividends & DRIP CUBI Insiders & 13F CUBI Whale Options CUBI Profit Sankey CUBI News & Why