Shell length up to 28 mm, mean w/1 ratio 0.77, mean h/1 ratio 0.33. Shell symmetrical with a small pointed apex outside the posterior shell margin. Shell widest across the septum. Septum deep with a small, wide tongue-like projection in the centre. Ground colour yellow brown with thick wavy black and light concentric lines. The lines are narrower and fainter in larger shells. When the animal is in the shell, the foot is white with black around the upper surface. Inside of shell is gray/white. Males and females are approximately the same size and populations have the same number of individuals of each sex. Operculum: Pink-white, horn margin dark orange-pink and like the operculum of S. sanguisuga it has two nearly equal length prongs. Male operculum is narrower than the female's.

Septaria cumingiana is usually characterized by obvious dark and light concentric lines that follow the growth ridges. However, a specimen collected from Guam had a pattern of faint large, light triangles. Because of the projection on the septum, it can be mistaken for male S, suffreni and because of similar opercula, it can be confused with S. sanguisuga. However, the shell of S. sanguisuga is widest anterior to the septum, while the shell of S. cumingiana is widest across the septum .

Mindanao , Camiguin (Philippines); Bali, Java, Sulawesi (Indonesia); Asfines R., Guam; Inornate I. (Okinawa Japan). In fast flowing streams and rivers on stones and concrete.