Customers Bancorp (CUBI) vs First Bancorp (FBNC)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
First Bancorp (FBNC) has outperformed Customers Bancorp (CUBI) over the past year, gaining 17.9% versus a gain of 15.6%. Over five years, CUBI leads with a +63.8% price change compared with +30.2% for FBNC. Customers Bancorp is the larger company by market cap ($2.50 billion vs $2.45 billion), about 1.0 times the size.
On valuation, Customers Bancorp trades at a lower forward P/E (7.7x vs 11.7x for First Bancorp). First Bancorp pays a dividend yielding 1.59%, while Customers Bancorp does not currently pay one. Customers Bancorp converts more of its revenue into profit, with a net margin of 472.3% versus 164.2%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | CUBI | FBNC |
|---|---|---|
| Share price | $74.04 | $59.17 |
| Market cap | $2.50B | $2.45B |
| 1-day change | -0.75% | -0.94% |
| YTD return | +2.02% | +17.60% |
| 1-year return | +15.61% | +17.88% |
| 5-year return | +63.81% | +30.19% |
| P/E ratio (TTM) | 8.99 | 18.38 |
| Forward P/E | 7.74 | 11.74 |
| EPS (TTM) | $8.24 | $3.22 |
| Dividend yield | 0.00% | 1.59% |
| Annual dividend | $0.00 | $0.94 |
| Revenue (latest FY) | $47.45M | $67.62M |
| Revenue growth (YoY) | +16.68% | -3.57% |
| Net income (latest FY) | $224.09M | $111.05M |
| Net margin | 472.30% | 164.22% |
| 52-week high | $84.38 | $66.78 |
| 52-week low | $59.34 | $45.96 |
| Distance from 52-week high | -12.25% | -11.40% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +26.22% | +16.61% |
| Average volume | 275.03K | 225.31K |
| Shares outstanding | 33.78M | 41.40M |
| Employees | 885 | 1,396 |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- First Bancorp trades at a higher earnings multiple (18.4x vs 9.0x trailing P/E).
- First Bancorp offers a meaningfully higher dividend yield (1.59% vs 0.00%).
- Customers Bancorp is more profitable, keeping 472.3 cents of every revenue dollar as net income versus 164.2 cents for First Bancorp.
- Customers Bancorp grew revenue faster in its latest fiscal year (+16.68% vs -3.57%).
About Customers Bancorp
CUBI stock →Customers Bancorp, Inc. operates as the bank holding company for Customers Bank that provides banking products and services for commercial and consumer clients.
Finance · Major Banks · 885 employees
About First Bancorp
FBNC stock →First Bancorp operates as the bank holding company for First Bank that provides banking products and services for individuals and businesses. The company accepts deposit products, such as checking, savings, and money market accounts; and time deposits, including certificate of deposits and individual retirement accounts.
Finance · Major Banks · 1,396 employees
CUBI vs FBNC FAQ
Which is bigger, Customers Bancorp or First Bancorp?
Customers Bancorp (CUBI) is larger, with a market capitalization of $2.50B compared with $2.45B for First Bancorp (FBNC).
Which stock has performed better over the past year, CUBI or FBNC?
FBNC returned +17.88% over the past 12 months, compared with +15.61% for CUBI (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CUBI or FBNC?
CUBI has the lower trailing P/E at 9.0, versus 18.4 for FBNC. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Customers Bancorp or First Bancorp?
First Bancorp pays a dividend yielding 1.59%, while Customers Bancorp does not currently pay a regular dividend.
Are Customers Bancorp and First Bancorp in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.