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Customers Bancorp reported Q4 net interest income of $204.43 million and net income of $74.49 million, beating expectations. The bank also processed over $2 trillion in payments on its cubiX platform and delivered higher earnings per share and loan and deposit growth. Despite the strong earnings, the stock is down 5% and investors should weigh the risks around credit normalization, funding costs, and execution by a new management team.

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