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Customers Bancorp (CUBI) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · Customers Bancorp (CUBI) Q3 2026 earnings results →
Q3 2026 Revenue up 3% year over year to $239M · 33¢ of every $1 of revenue kept as net profit · operating margin 42.0%
Customers Bancorp made $239M in Q3 2026 (+3% Y/Y): Net interest income $208M, Noninterest income $31.4M. Operating margin 42.0%, net earnings $78.4M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $239.4M in Q3 2026, up 3% year over year and up 5% from the previous quarter. Net interest income was the largest line at 87% of revenue. Net interest income added $6.2M year over year (up 3%), 84% of the total change.
Operating profit was $100.6M, a 42.0% margin (down 1.2 points year over year). Of the extra revenue versus a year earlier, 4% reached operating profit, below the 43% margin then. Total costs grew 5% against revenue growth of 3%. Net earnings were $78.4M, up 3% year over year. The effective tax rate was 22.1%.
Operating cash flow was $56.6M (down 52% year over year), 72% of net earnings. Non-cash charges added back $14.6M of depreciation and amortization and $5.2M of share-based compensation. Working capital and other items used $41.6M. Capital expenditures of $432K left free cash flow of $56.1M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 6, 2026 | $239M | +3% | 42.0% | $78.4M | $56.6M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Customers Bancorp
Customers Bancorp is a bank holding company engaged in banking activities through its wholly owned subsidiary, Customers Bank, collectively referred to as “Customers” herein. Customers is a forward-thinking bank with strong risk management that provides commercial and consumer customers the stability and trust inherent in working with an established and regulated financial institution. The Bank has diversified lending activities that build overall franchise value and a high-tech, high-touch, branch-light strategy that serves its customers through a single-point-of-contact private banking strategy. The Bank serves commercial businesses, through community, SBA, and private client groups.
In its own words, from its 10-K, filed Feb 27, 2026.
Customers Bancorp against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +3% against the peers' median +10%. Operating margin: 42.0% against the peers' median 34.7%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| CUBI Customers Bancorp | Q3 2026 | $239M | +3% | 42.0% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: Customers Bancorp 10-Q on SEC EDGAR · CIK 1488813 · State Commercial Banks
Guidance and outlook
13F: who owns CUBI and who is buying
More on CUBI
History
Every quarter: Q3 2026 results