CUBI Customers Bancorp, Inc.

Did the company actually spend money buying back stock in 3+ of the last 4 quarters?

Bought back stock in 2/4 quarters. Q1 2026: $6M, Q3 2025: $18M, Q2 2025: $0M, Q1 2025: $0M

Is the most recent quarter's buyback spend more than 15% above the trailing average?

Latest quarter $6M vs trailing avg $6M (-7%)

What percentage of free cash flow is going to buybacks? Bull: 30%+. Bear: negative FCF or no buybacks.

Negative FCF ($-1.1B), buybacks not supported by cash flow

How fast are they shrinking the float? Bull: 2%+ annually. Bear: under 0.5%.

Repurchased 416,824 shares = 1.2% of 34,191,223 outstanding (annualized)

Are officers and directors buying stock with their own money on the open market?

No insider open-market purchases in the last 12 months

Are both company buybacks and insider buying independently active? Bull when the company is buying back stock in 2+ quarters and insiders have made 2+ open-market purchases.

Need both buyback and insider purchase data

Over the last 90 days, are insiders net buyers or net sellers on the open market?

Insiders bought $0M, sold $15M in the last 90 days (net selling)

Active buyback + insiders net selling 3x+ more than buying. Company cash may be supporting price while insiders exit.

Company buying back stock while insiders sold 14755039.4x more than bought. 2 C-suite officers among sellers

• Velasquez Jessie John Deano (Chief Accounting Officer) sold 2,242 shares on 2025-12-09
• SIDHU JAY S (Chairman & CEO) sold 128,185 shares on 2025-12-03
• SIDHU JAY S (Chairman & CEO) sold 7,479 shares on 2025-11-25
• SIDHU JAY S (Chairman & CEO) sold 13,595 shares on 2025-11-10
• SIDHU JAY S (Chairman & CEO) sold 24,784 shares on 2025-11-11
• SIDHU JAY S (Chairman & CEO) sold 2,522 shares on 2025-11-12
• SIDHU JAY S (Chairman & CEO) sold 22,172 shares on 2025-11-05
• SIDHU JAY S (Chairman & CEO) sold 1,263 shares on 2025-11-06