Sam Sidhu's first letter: record 2025 core EPS $7.61, TBVPS $61.77; 2026 NII guidance $800-$830M

Customers Bancorp, Inc.

2026-Q1 EPS reported $1.97

Sam Sidhu succeeded Jay Sidhu as CEO on Jan 1, 2026 in a planned multiyear transition.
2025 core EPS $7.61 (+14% CAGR since 2019), revenue $818M, TBVPS $61.77 (15%+ CAGR).
Net interest margin 3.32% in 2025, CET1 ratio 13.0%, commercial NCO ratio 16 bps in Q4.
2026 guidance: 8-12% loan and deposit growth, NII $800-$830M, expense growth 2-6%.
cubiX payments network surpassed $2T in total activity; NPS score of 81 (industry benchmark 41).

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