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Customers Bancorp (CUBI) guidance and outlook
Customers Bancorp (CUBI) lowered its guidance on Oct 22, 2026: Tax rate 22%–23% for FY2026. Customers Bancorp's 10-Q filed Nov 6, 2026 makes 9 forward-looking statements.
Guidance and outlook
Latest guidance
| Metric | Period | Range | Change |
|---|---|---|---|
| Interest expense | FY2026 | $460M–$465M | new |
| Tax rate | FY2026 | 22%–23% | lowered |
From the earnings release filed Oct 22, 2026 (8-K on EDGAR).
Forward-looking statements, 10-Q filed Nov 6, 2026
- Management estimates the ACL by projecting a lifetime loss rate conditional on a forecast of economic parameters and other qualitative adjustments, for the loans’ and leases’ expected remaining term.
- The ACL may be affected materially by a variety of qualitative factors that Customers considers to reflect its current judgment of various events and risks that are not measured in our statistical procedures, including uncertainty related to the economic forecasts used in the modeled credit loss estimates, nature and volume of the loan and lease portfolio, credit underwriting policy exceptions, peer comparison,…
- Due in part to its subjectivity, the qualitative evaluation may be materially impacted during periods of economic uncertainty and late breaking events that could lead to a revision of reserves to reflect management’s best estimate of expected credit losses.
- The net increase in our estimated ACL as of September 30, 2026 as compared to December 31, 2025 resulted primarily from an increase in loan balances partially offset by slight improvements in the forecast of macroeconomic variables.
- To determine the ACL as of September 30, 2026, Customers utilized its baseline forecast to generate its modeled expected losses and considered other alternative economic forecast scenarios to qualitatively adjust the modeled ACL by loan portfolio in order to reflect management’s reasonable expectations of current and future economic conditions.
- To determine the ACL as of December 31, 2025, Customers utilized its December 2025 baseline forecast to generate its modeled expected losses and considered other alternative economic forecast scenarios to qualitatively adjust the modeled ACL by loan portfolio in order to reflect management’s reasonable expectations of current and future economic conditions.
- There is no certainty that Customers’ ACL will be appropriate over time to cover losses in our portfolio as economic and market conditions may ultimately differ from our reasonable and supportable forecast.
- The ACL is based on a quarterly evaluation of the loan and lease portfolio held for investment and is maintained at a level that management considers adequate to absorb expected losses as of the balance sheet date.
- Our earnings are and will be affected by domestic economic conditions and the monetary and fiscal policies of the United States government and its agencies.
Customers Bancorp's latest quarter
Customers Bancorp, Q3 2026: revenue $239M (+3% year over year), operating margin 42.0%, net earnings $78.4M, operating cash flow $56.6M. The chart follows the revenue to costs, profit and cash.
Questions
Did Customers Bancorp raise or lower its guidance?
Customers Bancorp (CUBI) lowered its guidance on Oct 22, 2026: Tax rate 22%–23% for FY2026.
What does Customers Bancorp expect?
Management estimates the ACL by projecting a lifetime loss rate conditional on a forecast of economic parameters and other qualitative adjustments, for the loans’ and leases’ expected remaining term. The ACL may be affected materially by a variety of qualitative factors that Customers considers to reflect its current judgment of various events and risks that are not measured in our statistical procedures, including uncertainty related to the economic forecasts used in the modeled credit loss estimates, nature and volume of the loan and lease portfolio, credit underwriting policy exceptions, pe
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.