Stock Ratings / Financials / CUBI / insiders

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Customers Bancorp Inc (CUBI) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$87.49 +0.93% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $87.47

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.

📊 Historical Track Record: Scores of 65/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.3% avg 90D alpha vs SPY) →

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

EXT / AFTER-HRS: $87.47 (-0.02%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 12% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 65/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.3% avg 90D alpha vs SPY • 55.6% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

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%

Deterministic 5-Pillar Attribution (65/100 Composite)

🔍 WHY CUBI SCORES 65/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+15/20 pts (23% of score)

SEC XBRL FY 2025 (10-K): 12% FCF Margin ($481.0M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning9/20 pts (-11 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-11 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$74.04+1% Next Q

Q2 (-2Q)

Grade C$74.78+13.1% Next Q

Q3 (-1Q)

Grade C+$84.54+3.5% Next Q

Current

Grade C$87.49+1.3% Hist 90D α

Trajectory: C (57) → C (65)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the CUBI Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 65/100 (C) score, CUBI faces multiple-compression risk if 13.2x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

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

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($77.99) or 200D SMA ($75.90) invalidates the momentum regime and cuts Target Base ($90.25) toward Bear Floor ($70.39).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CUBI• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “CUBI Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 65%NO 35%Trade / Inspect Odds →

SEC FORM 4 × 13F HEDGE FUNDS × CONGRESSIONAL STOCK ACT

CUBI Smart-Money Thermometer: HEAVY INSIDER & 13F ACCUMULATION

Explore All 13F & Congress Whales →

▲ Disclosed Buys: 0 ($0)▼ Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (CUBI)

No recent open-market Form 4 cluster sales or emergency dumps flagged on CUBI. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

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

Are CUBI insiders and hedge funds buying or selling?

Roarable's SEC Form 4 and 13F Whale Thermometer currently classifies CUBI leadership and institutional positioning as: HEAVY INSIDER & 13F ACCUMULATION.

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