Customers Bancorp, Inc.

Frequently Asked Questions About CUBI

What does CUBI invest in?

Customers Bancorp, Inc. operates as the bank holding company for Customers Bank that provides banking products and services. It provides deposit banking products, which includes commercial and consumer checking, non-interest-bearing and interest-bearing demand, MMDA, savings, and time deposit accounts, as well as individual retirement accounts and non-retail time deposits consisting of jumbo certificates. The company’s lending business offers commercial and industrial, commercial real estate, and multifamily and residential mortgage loans; SBA lending; mortgage finance; specialty lending includes fund finance, real estate specialty finance, technology and venture, and healthcare and financial institutions group; commercial loans to mortgage companies, and commercial equipment financing; fund finance, such as variable rate loans secured by collateral pools to private debt funds; and cash management services. In addition, it provides digital banking, such as Banking-as-a-Service to fintech companies; payments and treasury services to businesses; consumer loans through fintech companies; and the TassatPay, an instant blockchain-based digital payments platform which offers instant payments, including over-the-counter desks, exchanges, liquidity providers, market makers, funds, title companies, and other B2B verticals. Further, the company offers mobile phone and internet banking, wire transfers, electronic bill payment, lock box, remote deposit capture, courier, merchant processing, cash vault, controlled disbursements, positive pay, and cash management services comprising account reconciliation, collections, and sweep accounts. The company was founded in 1997 and is headquartered in West Reading, Pennsylvania.

What is the expense ratio of CUBI?

An expense ratio for Customers Bancorp, Inc. (CUBI) is not available from our data sources — neither our market-data feed nor the SEC's structured prospectus and annual-report datasets report one for this share class. The fund's prospectus on the issuer's site carries the authoritative fee.

What is the duration of CUBI?

Effective duration measures CUBI's sensitivity to interest-rate changes — a duration of 6 means a 1% rate move shifts NAV by roughly 6% in the opposite direction. CUBI's current duration is published on the fund's factsheet on the issuer's website.

What is the credit quality of CUBI?

CUBI's credit quality breakdown — the share of holdings rated AAA through CCC and below — is published on the fund's factsheet. Higher-quality (investment-grade) funds yield less but carry less default risk than high-yield / junk bond funds.

What is the yield to maturity of CUBI?

Yield to maturity (YTM) is the total return you'd earn from CUBI if every bond in the portfolio is held to maturity at the current price. CUBI's YTM is published on the fund's factsheet on the issuer's website — it differs from the trailing-12-month yield because YTM reflects current bond prices rather than historical income paid.

How big is CUBI?

Customers Bancorp, Inc. (CUBI) manages $2.59B in total assets. AUM determines bid-ask liquidity and the fund's vulnerability to closure — funds below ~$50M are at higher risk of liquidation.