CUSTOMERS BANCORP INC - CUBI 5 3/8 12/30/34 (CUBB) Stock Fundamental Analysis

NYSE:CUBB • US23204G8033

23.875 USD
+0.68 (+2.91%)
Last: Feb 27, 2026, 01:35 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, CUBB scores 4 out of 10 in our fundamental rating. CUBB was compared to 379 industry peers in the Banks industry. Both the profitability and financial health of CUBB have multiple concerns. CUBB scores decently on growth, while it is valued quite cheap. This could make an interesting combination. CUBB also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year CUBB was profitable.
  • CUBB had a positive operating cash flow in the past year.
  • In the past 5 years CUBB has always been profitable.
  • The reported operating cash flow has been mixed in the past 5 years: CUBB reported negative operating cash flow in multiple years.
CUBB Yearly Net Income VS EBIT VS OCF VS FCFCUBB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M 200M 300M

1.2 Ratios

  • The Return On Assets of CUBB (0.67%) is worse than 69.13% of its industry peers.
  • CUBB has a worse Return On Equity (7.62%) than 61.48% of its industry peers.
Industry RankSector Rank
ROA 0.67%
ROE 7.62%
ROIC N/A
ROA(3y)0.9%
ROA(5y)1.05%
ROE(3y)11.11%
ROE(5y)14.17%
ROIC(3y)N/A
ROIC(5y)N/A
CUBB Yearly ROA, ROE, ROICCUBB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • With a Profit Margin value of 21.65%, CUBB is not doing good in the industry: 61.74% of the companies in the same industry are doing better.
  • CUBB's Profit Margin has been stable in the last couple of years.
  • CUBB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 21.65%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-8.43%
PM growth 5Y0.17%
GM growth 3YN/A
GM growth 5YN/A
CUBB Yearly Profit, Operating, Gross MarginsCUBB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • CUBB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, CUBB has more shares outstanding
  • The number of shares outstanding for CUBB has been increased compared to 5 years ago.
  • The debt/assets ratio for CUBB is higher compared to a year ago.
CUBB Yearly Shares OutstandingCUBB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
CUBB Yearly Total Debt VS Total AssetsCUBB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

2.2 Solvency

  • The Debt to FCF ratio of CUBB is 0.76, which is an excellent value as it means it would take CUBB, only 0.76 years of fcf income to pay off all of its debts.
  • With a decent Debt to FCF ratio value of 0.76, CUBB is doing good in the industry, outperforming 73.88% of the companies in the same industry.
  • CUBB has a Debt/Equity ratio of 0.13. This is a healthy value indicating a solid balance between debt and equity.
  • With a Debt to Equity ratio value of 0.13, CUBB perfoms like the industry average, outperforming 59.37% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 0.76
Altman-Z N/A
ROIC/WACCN/A
WACC29.08%
CUBB Yearly LT Debt VS Equity VS FCFCUBB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B 2B 3B 4B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CUBB Yearly Current Assets VS Current LiabilitesCUBB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 35.96% over the past year.
  • Measured over the past years, CUBB shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.87% on average per year.
  • The Revenue has grown by 14.48% in the past year. This is quite good.
  • CUBB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.85% yearly.
EPS 1Y (TTM)35.96%
EPS 3Y5.46%
EPS 5Y13.87%
EPS Q2Q%51.47%
Revenue 1Y (TTM)14.48%
Revenue growth 3Y7.65%
Revenue growth 5Y11.85%
Sales Q2Q%40.63%

3.2 Future

  • Based on estimates for the next years, CUBB will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.32% on average per year.
  • CUBB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.49% yearly.
EPS Next Y9.88%
EPS Next 2Y10.64%
EPS Next 3Y8.32%
EPS Next 5YN/A
Revenue Next Year17.76%
Revenue Next 2Y13.56%
Revenue Next 3Y8.49%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
CUBB Yearly Revenue VS EstimatesCUBB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 200M 400M 600M 800M
CUBB Yearly EPS VS EstimatesCUBB Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2 4 6 8

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Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 3.14 indicates a rather cheap valuation of CUBB.
  • 98.68% of the companies in the same industry are more expensive than CUBB, based on the Price/Earnings ratio.
  • CUBB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.11.
  • CUBB is valuated cheaply with a Price/Forward Earnings ratio of 2.86.
  • CUBB's Price/Forward Earnings ratio is rather cheap when compared to the industry. CUBB is cheaper than 98.68% of the companies in the same industry.
  • CUBB is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.13, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 3.14
Fwd PE 2.86
CUBB Price Earnings VS Forward Price EarningsCUBB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, CUBB is valued cheaply inside the industry as 98.68% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 2.19
EV/EBITDA N/A
CUBB Per share dataCUBB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.32
PEG (5Y)0.23
EPS Next 2Y10.64%
EPS Next 3Y8.32%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • CUBB has a Yearly Dividend Yield of 5.92%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.74, CUBB pays a better dividend. On top of this CUBB pays more dividend than 91.82% of the companies listed in the same industry.
  • CUBB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 5.92%

5.2 History

  • The dividend of CUBB has a limited annual growth rate of 1.33%.
  • CUBB has been paying a dividend for over 5 years, so it has already some track record.
  • CUBB has decreased its dividend recently.
Dividend Growth(5Y)1.33%
Div Incr Years0
Div Non Decr Years1
CUBB Yearly Dividends per shareCUBB Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • CUBB pays out 7.31% of its income as dividend. This is a sustainable payout ratio.
  • CUBB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP7.31%
EPS Next 2Y10.64%
EPS Next 3Y8.32%
CUBB Yearly Income VS Free CF VS DividendCUBB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M 200M 300M
CUBB Dividend Payout.CUBB Dividend Payout, showing the Payout Ratio.CUBB Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

CUSTOMERS BANCORP INC - CUBI 5 3/8 12/30/34

NYSE:CUBB (2/27/2026, 1:35:02 PM)

23.875

+0.68 (+2.91%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-22
Inst Owners92.9%
Inst Owner ChangeN/A
Ins Owners6.48%
Ins Owner ChangeN/A
Market Cap816.29M
Revenue(TTM)818.31M
Net Income(TTM)162.09M
Analysts77.33
Price Target26.04 (9.07%)
Short Float %0.01%
Short Ratio0.47
Dividend
Industry RankSector Rank
Dividend Yield 5.92%
Yearly Dividend0.48
Dividend Growth(5Y)1.33%
DP7.31%
Div Incr Years0
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)14.02%
Min EPS beat(2)11.83%
Max EPS beat(2)16.22%
EPS beat(4)4
Avg EPS beat(4)13.51%
Min EPS beat(4)9.97%
Max EPS beat(4)16.22%
EPS beat(8)6
Avg EPS beat(8)4.25%
EPS beat(12)8
Avg EPS beat(12)5.26%
EPS beat(16)9
Avg EPS beat(16)4.53%
Revenue beat(2)1
Avg Revenue beat(2)0.79%
Min Revenue beat(2)-1.21%
Max Revenue beat(2)2.79%
Revenue beat(4)1
Avg Revenue beat(4)-3.55%
Min Revenue beat(4)-11.11%
Max Revenue beat(4)2.79%
Revenue beat(8)1
Avg Revenue beat(8)-3.62%
Revenue beat(12)4
Avg Revenue beat(12)-0.25%
Revenue beat(16)7
Avg Revenue beat(16)1.05%
PT rev (1m)1.91%
PT rev (3m)-3.04%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.82%
EPS NY rev (1m)1.34%
EPS NY rev (3m)4.99%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.36%
Revenue NY rev (1m)8.59%
Revenue NY rev (3m)5.26%
Valuation
Industry RankSector Rank
PE 3.14
Fwd PE 2.86
P/S 1.09
P/FCF 2.19
P/OCF 1.61
P/B 0.38
P/tB 0.38
EV/EBITDA N/A
EPS(TTM)7.6
EY31.83%
EPS(NY)8.35
Fwd EY34.98%
FCF(TTM)10.91
FCFY45.71%
OCF(TTM)14.81
OCFY62.01%
SpS21.9
BVpS62.18
TBVpS62.08
PEG (NY)0.32
PEG (5Y)0.23
Graham Number103.12
Profitability
Industry RankSector Rank
ROA 0.67%
ROE 7.62%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.65%
GM N/A
FCFM 49.83%
ROA(3y)0.9%
ROA(5y)1.05%
ROE(3y)11.11%
ROE(5y)14.17%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-8.43%
PM growth 5Y0.17%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 0.76
Debt/EBITDA N/A
Cap/Depr 339.62%
Cap/Sales 17.77%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 230.2%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC29.08%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)35.96%
EPS 3Y5.46%
EPS 5Y13.87%
EPS Q2Q%51.47%
EPS Next Y9.88%
EPS Next 2Y10.64%
EPS Next 3Y8.32%
EPS Next 5YN/A
Revenue 1Y (TTM)14.48%
Revenue growth 3Y7.65%
Revenue growth 5Y11.85%
Sales Q2Q%40.63%
Revenue Next Year17.76%
Revenue Next 2Y13.56%
Revenue Next 3Y8.49%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year12.68%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y334.8%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y575.87%
OCF growth 3YN/A
OCF growth 5YN/A

CUSTOMERS BANCORP INC - CUBI 5 3/8 12/30/34 / CUBB FAQ

What is the fundamental rating for CUBB stock?

ChartMill assigns a fundamental rating of 4 / 10 to CUBB.


What is the valuation status of CUSTOMERS BANCORP INC - CUBI 5 3/8 12/30/34 (CUBB) stock?

ChartMill assigns a valuation rating of 8 / 10 to CUSTOMERS BANCORP INC - CUBI 5 3/8 12/30/34 (CUBB). This can be considered as Undervalued.


How profitable is CUSTOMERS BANCORP INC - CUBI 5 3/8 12/30/34 (CUBB) stock?

CUSTOMERS BANCORP INC - CUBI 5 3/8 12/30/34 (CUBB) has a profitability rating of 2 / 10.


What are the PE and PB ratios of CUSTOMERS BANCORP INC - CUBI 5 3/8 12/30/34 (CUBB) stock?

The Price/Earnings (PE) ratio for CUSTOMERS BANCORP INC - CUBI 5 3/8 12/30/34 (CUBB) is 3.14 and the Price/Book (PB) ratio is 0.38.


Can you provide the dividend sustainability for CUBB stock?

The dividend rating of CUSTOMERS BANCORP INC - CUBI 5 3/8 12/30/34 (CUBB) is 7 / 10 and the dividend payout ratio is 7.31%.