CUBI
Customers Bancorp, Inc.
CUBI offers stronger fundamentals, but that advantage does not outweigh its weaker overall profile.
GS
The Goldman Sachs Group, Inc.
GS has a slight edge over CUBI overall, supported by stronger valuation and lower modeled downside.
CUBI Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
CUBI's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like CUBI.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
CUBI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 4.1x | $34.22 | -60% |
| Fair | 7.7x | $64.40 | -24% |
| Forward | 9x | $85.20 | — |
| Current | 10x | $85.20 | — |
| Expensive | 13x | $105 | +23% |
Historical ranges are pointers, not guarantees.
CUBI's PE is in its expensive range at 10x. If earnings grow as analysts expect, today's price would be 9.0x next year's earnings, in its fair range.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS has the edge over CUBI in the historical PE scenario, which offers more potential upside but is not a forecast.
CUBI Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
CUBI has the edge over GS on the outlook, with more favorable valuation expectations.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for GS, with profitability improving. However, they disagree widely on these estimates.
CUBI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $9.51 | +14% |
| Q3 2026 | $8.31 | +68% |
| Q2 2026 | $8.26 | +104% |
| Q1 2026 | $7.94 | +99% |
| Q4 2025 | $6.26 | +23% |
| Q3 2025 | $4.94 | -20% |
| Q2 2025 | $4.05 | -46% |
| Q1 2025 | $3.98 | -44% |
| Q4 2024 | $5.09 | -30% |
CUBI earned $8.31 per share over the past year, up 68% from the year before.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS has the edge over CUBI on earnings, with more consistent year-over-year improvement.
CUBI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $239.4M | +3.2% |
| Q2 2026 | $227.4M | +10% |
| Q1 2026 | $225.7M | +58% |
| Q4 2025 | $236.9M | +42% |
| Q3 2025 | $232.1M | +39% |
| Q2 2025 | $206.3M | +3.8% |
| Q1 2025 | $143M | -21% |
| Q4 2024 | $167.4M | -12% |
CUBI's revenue has grown year over year for six quarters in a row: $239M last quarter, up 3.2% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 42% | -1.2 points |
| Q2 2026 | 39% | +1.1 points |
| Q1 2026 | 40% | +32 points |
| Q4 2025 | 41% | +20 points |
| Q3 2025 | 43% | +16 points |
| Q2 2025 | 38% | -0.6 points |
| Q1 2025 | 8.3% | -28 points |
| Q4 2024 | 21% | -23 points |
CUBI has the edge over GS on profitability, with a higher operating margin.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS has the edge over CUBI on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS's operating margin was 37% last quarter, up 2 points from the same quarter a year ago.
CUBI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $56.1M | -47% |
| Q2 2026 | $106.1M | -35% |
| Q1 2026 | $35M | -63% |
| Q4 2025 | $119.1M | -10% |
| Q3 2025 | $106.4M | +341% |
| Q2 2025 | $162.1M | +2715% |
| Q1 2025 | $93.4M | +$112.7M |
| Q4 2024 | $132.9M | +$251.3M |
CUBI has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
CUBI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.3% | -113K shares |
| 1 year | +4% | +1.3M shares |
| 3 years | +8.1% | +2.6M shares |
| 5 years | +2.7% | +925K shares |
| Available history | +9.9% | +3.1M shares |
CUBI has 35M diluted shares, up 4% from a year ago, despite $88M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $38.3M |
| Q2 2026 | $6.7M |
| Q1 2026 | $42.7M |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | $5.6M |
| Q4 2024 | $1M |
CUBI spent $88M buying back its own shares over the past year, more than ten times what it spent the year before.
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has the edge over CUBI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
CUBI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.8x | Net Cash |
| Q2 2026 | -4.4x | Net Cash |
| Q1 2026 | -7.1x | Net Cash |
| Q4 2025 | -12.2x | Net Cash |
| Q3 2025 | -10.2x | Net Cash |
| Q2 2025 | -9.3x | Net Cash |
| Q1 2025 | -9.5x | Net Cash |
| Q4 2024 | -9.2x | Net Cash |
CUBI has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like CUBI.
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has the edge over CUBI on leverage, with a lower net debt burden relative to earnings.
CUBI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 61.9 | Neutral |
| Stochastic | 75.0 | Neutral |
CUBI's weekly RSI is 62 (neutral) and its Stochastic is 75 (neutral).
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
CUBI PE vs Financial Services Sector
| Metric | CUBI | Sector median | Relative |
|---|---|---|---|
| PE | 10x | 13x | 21% below |
| PE % | 79 | 63 | 16 pts above |
CUBI has the edge over GS on valuation relative to its sector.
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
CUBI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $80.0 | 6.5% above |
| 20 week MA | $79.5 | 7.2% above |
| 50 week MA | $76.2 | 12% above |
| 100 week MA | $66.9 | 27% above |
| 200 week MA | $54.4 | 57% above |
CUBI has the edge over GS on trend strength, trading above more of its moving averages.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS's trend is mixed: it's above three of its five weekly moving averages, and 52% above its 200-week average.
CUBI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $23.7 | $17.9 | -24% |
| 2021 | $17.9 | $63.0 | +251% |
| 2022 | $63.0 | $28.3 | -55% |
| 2023 | $28.3 | $57.6 | +104% |
| 2024 | $57.6 | $48.3 | -16% |
| 2025 | $48.3 | $75.7 | +57% |
| 2026 YTD | $75.7 | $85.2 | +13% |
CUBI has the edge over GS on returns for 2026, with the stronger performance.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has finished higher in five of the last six years, two of them by more than 50%. It's up 0.7% so far in 2026.