Loading...
•
Dec 31, 2025
Customers Bancorp Q4 2025 Earnings Report
Customers Bancorp reported strong fourth quarter results with solid earnings and continued balance sheet growth.
Key Takeaways
Customers Bancorp delivered a solid Q4 with $70.1 million in net income, strong core earnings, and record deposit and loan growth. Asset quality remained strong with low non-performing assets.
Net income for Q4 2025 reached $70.1 million with EPS of $1.98
Core earnings totaled $72.9 million or $2.06 per share
Total deposits rose to $20.8 billion, up $374 million from Q3
Asset quality remained strong with 0.26% non-performing loans
Forward Guidance
In 2026, Customers Bancorp expects continued growth with targeted increases in loans and deposits, along with expansion in AI and payments capabilities.
Positive Outlook
- Loan growth target of 8% to 12% in 2026
- Deposit growth target of 8% to 12%
- Net interest income projected to reach $800M–$830M
- Continued investment in AI and automation to enhance productivity
- Strong capital base maintained with CET1 target of 11.5% to 12.5%
Challenges Ahead
- Non-interest expenses expected to rise to $440M–$460M due to ongoing investments
- Higher operating costs from new hires and tech initiatives
- Rising depreciation linked to increased commercial lease activity
- Ongoing regulatory and macroeconomic uncertainty
Historical Earnings Impact
Analyze how earnings announcements historically affect stock price performance
Avg. Return Before/After Earnings
Loading earnings performance data...
Loading earnings reaction data...