Customers Bancorp vs First Financial

This page compares Customers Bancorp and First Financial Bancorp, examining their business models, financial performance, and market context to provide a neutral overview of how the two firms position themselves in the sector. The content focuses on strategy, operations, and market factors, and is designed to be accessible to a broad audience. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

CUBI

Metric

FFBC

$2.58B

Market Cap

$2.76B

4.36%

Potential Profit

5.80%

Buy

Analyst Rating

Buy

Investment Analysis

Customers Bancorp

CUBI

Pros

Reported strong Q3 2025 results with GAAP earnings of $73.7 million, reflecting solid profitability and a core return on average equity above 15%.
Experienced 8% annualized loan growth, supporting sustained revenue expansion and net interest margin improvement to 3.46%.
Raised common equity, strengthening the CET1 capital ratio to 13.0%, enhancing balance sheet resilience.

Considerations

Revenue declined 6.15% in 2024 compared to the previous year, indicating potential headwinds in top-line growth.
Net income fell by 29.31% in 2024, pointing to rising costs or margin pressure despite recent earnings strength.
Exhibits a relatively high debt/equity ratio of approximately 69.5%, which may increase financial leverage risk.

First Financial

FFBC

Pros

Shares currently trade close to the 52-week high, reflecting relative share price stability compared to peers in banking.
Solid market presence with ongoing investor interest supported by steady dividend payments.
Offers a valuation aligned with regional bank peers, suggesting reasonable pricing in the current market environment.

Considerations

Experiences notable stock price volatility with a one-year negative return around 15%, indicating market uncertainty or operational challenges.
Limited recent data on earnings growth or loan portfolio expansion may raise concerns about near-term catalysts.
May face competitive pressures and regulatory risks typical of regional banks impacting profit margins.

About The Companies

Customers Bancorp (CUBI)

Customers Bancorp, Inc. is a bank holding company that operates primarily through its subsidiary, Customers Bank. It offers a range of banking products, including loans and deposits, to both business and consumer clients. While it has a physical presence in several US states like Pennsylvania and New York, the company has expanded its reach nationwide. This is achieved through specialised lending services such as mortgage finance, SBA lending, and commercial equipment financing. Customers Bancorp also embraces modern finance by partnering with fintech companies and offering robust digital banking platforms for commercial and consumer use. This dual focus on traditional branch services and innovative, nationwide digital solutions gives the company a broad operational footprint. As with any investment, it's important to remember that capital is at risk and values can go down as well as up.

First Financial (FFBC)

First Financial Bancorp (FFBC) is a US regional bank that provides deposit, lending, treasury and wealth-management services to individuals and small-to-medium businesses. With a market capitalisation around $2.33bn, it is sensitive to changes in interest rates, loan demand and deposit flows — factors that tend to drive profitability for banks of its size. Investors should watch net interest margin, loan growth, asset quality and capital ratios as primary indicators of financial health, while also noting competition from larger banks and fintech entrants. Regional banks can offer local market knowledge but also face cyclical credit risk. This summary is for general educational purposes only and is not personal financial advice; values can rise and fall and past performance does not guarantee future results. Consider your own risk tolerance and consult a financial adviser before making investment decisions.

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Comparison Snapshot