Customers Bancorp Q3 2026: EPS $2.25, Record Loans/Deposits, FY Guidance Raised
CUBI sits 24% above its 52-week low of $63.44.
Summary
Customers Bancorp earned $2.25 per diluted share in Q3 2026 on $78.4 million of net income, with record loans of $18.5 billion and deposits of $22.6 billion. Management raised full-year net interest income guidance to $805-810 million and now expects loan growth of 12%+.
Key Events · Earnings and Guidance · CUBI
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Q3 EPS $2.25, Net Income $78.4M
Net income available to common shareholders was $78.4 million, or $2.25 per diluted share, up from $71.6 million ($2.05) in Q2 2026. ROAA was 1.16% and ROCE 14.0%.
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Record Loans and Deposits
Total loans reached a record $18.5 billion, up $496 million (2.8%) QoQ and 13.5% YoY; total deposits hit a record $22.6 billion, up $831 million (3.8%) QoQ and 10.6% YoY.
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NII Up 7.6%, Margin 3.19%
Net interest income rose $15 million to $208 million QoQ and NIM expanded to 3.19% from 3.17%; management cited a September run-rate NIM of about 3.25%.
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FY2026 Guidance Raised
Full-year 2026 outlook now calls for loans 12%+, deposits 9%+, net interest income of $805-810 million, non-interest expense of $460-465 million and a 22-23% tax rate.
Analysis · CUBI · Finance
Third-quarter results beat the prior quarter on nearly every line: net income of $78.4 million ($2.25 diluted EPS) versus $71.6 million ($2.05) in Q2, with net interest income up 7.6% to $208 million and the efficiency ratio improving roughly 340 basis points to 47.2%. Record loans of $18.5 billion and deposits of $22.6 billion show the franchise is still growing well above industry rates, and management raised full-year 2026 net interest income guidance to $805-810 million while lifting the loan growth target to 12%+. Credit held steady with nonperforming loans at 0.29% of total loans and reserves at 322% of NPLs. The main watch item is capital: CET1 slipped to 12.6% from 12.9% as the balance sheet grew 3.4% and the company bought back 492,178 shares, and AOCI losses widened by $60 million on higher unrealized losses on available-for-sale securities.
How filings like this one have moved
In the 30 days to Oct 22, 2026, 29.3% of the 1526 measured filings Wiseek scored 7 moved their stock by 5% or more by the next session's close. The median move was -0.41%. These are measured outcomes after filings of this importance, not a forecast for this one.
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At the time of this filing, CUBI was trading at $78.73 on NYSE in the Finance sector, with a market capitalization of approximately $2.7B. The 52-week trading range was $63.44 to $84.38. This filing was assessed with positive market sentiment and an importance score of 7 out of 10.