Customers Bancorp vs WaFd

This page compares Customers Bancorp Inc and WaFd, outlining business models, financial performance, and market context in a neutral, accessible way. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

CUBI

Metric

WAFD

$2.58B

Market Cap

$2.40B

4.36%

Potential Profit

-3.02%

Buy

Analyst Rating

Hold

Investment Analysis

Customers Bancorp

CUBI

Pros

Reported strong Q3 2025 net income of $73.7 million with core earnings per share at $2.20, reflecting solid profitability.
Improved net interest margin to 3.46% in Q3 2025 driven by higher loan income and increased non-interest bearing deposit balances.
Robust capital position with a CET 1 ratio of 13.0%, up from 12.1% in the previous quarter, supported by a successful equity raise.

Considerations

Relatively modest return on assets (ROAA) of 1.26% and return on common equity (ROCE) of 15.57% may limit upside compared to peers.
Customer Bancorp’s stock valuation ratios, such as price/book at 1.07 and price/sales near 3, suggest moderate valuation without strong discount.
Concentration in commercial and middle-market lending could expose the bank to cyclical risks tied to broader economic fluctuations.

WaFd

WAFD

Pros

Washington Federal has solid financial health rated 6/6 with a manageable debt/equity ratio of 59.8%, indicating stable capital structure.
Generated strong net profit margin of approximately 29.5%, reflecting effective cost control and profitability.
Offers a consistent dividend with a 5/6 rating for dividends, which could appeal to income-focused investors.

Considerations

Relatively low future growth score of 1/6 signals limited growth prospects as perceived by market analysts.
Market capitalization and scale at about $2.35 billion make Washington Federal a smaller regional player with potentially higher vulnerability to regional economic risks.
Revenue growth and earnings have been stable but lack high momentum, posing potential challenges for aggressive expansion.

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.

WaFd (WAFD)

Washington Federal, Inc. (WAFD) is a US regional bank that operates primarily through its WaFd Bank franchise, offering deposit, mortgage and commercial lending services across the western United States. With a market capitalisation of about $2.27 billion, the company is focused on retail and small- to medium-sized business customers, funding lending through customer deposits and wholesale sources. Investors should note its sensitivity to interest-rate cycles, mortgage and commercial real-estate exposure, and regional economic conditions. Earnings can benefit from wider net interest margins in rising-rate environments but may face pressure from deposit competition and credit losses during downturns. Regulatory capital, asset quality trends and loan-growth discipline are key indicators to watch. This summary is for general educational purposes only and not personal investment advice; values can fall as well as rise and suitability depends on your individual circumstances.

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Comparison Snapshot