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Why CUBI Stock advanced +0.93% Today — RQD Quant Desk Flash
$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.
ROARABLE C • HOLD / WATCH
Cap $2.96B
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Click Any Pre-Computed AI Quant Specialist Briefing on CUBI Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief)
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.
✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does CUBI compare to BANC and FHB in the Financials sector?
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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).
✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
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.
✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
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
57
Q2 (-2Q)Grade C$74.78+13.1% Next Q
60
Q3 (-1Q)Grade C+$84.54+3.5% Next Q
62
CurrentGrade C$87.49+1.3% Hist 90D α
65
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
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”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why CUBI Stock advanced +0.93% Today — RQD Quant Desk Flash
Customers Bancorp Inc (CUBI) advanced +0.93% to $87.49, trading at 98% of its 52-week range ($63.44 – $88.05). Solid steady margins (11% return on capital), mixed timing at 13x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 98% of its 52-week range ($63.44 – $88.05) with RSI-14 at 64.6 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±5.9% around $87.49 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C (Hold) backed by 52% gross margin and $481.0M annual free cash flow.
Live CUBI Headlines & Catalysts
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Scheduled RQD Strong Buys & Whale Accumulation Briefing (CUBI Tape Review)
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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
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 0001488813In 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 ENABLEDIs 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 × FREDWhy is CUBI stock moving today?
Why CUBI Stock advanced +0.93% Today — RQD Quant Desk Flash. Solid steady margins (11% return on capital), mixed timing at 13x P/E—hold if owned, no rush to chase.