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

NYSE:CUBB • US23204G8033

Current stock price

22.72 USD
-0.26 (-1.13%)
Last:

This CUBB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. CUBB Profitability Analysis

1.1 Basic Checks

  • CUBB had positive earnings in the past year.
  • CUBB had a positive operating cash flow in the past year.
  • Each year in the past 5 years CUBB has been profitable.
  • Of the past 5 years CUBB 4 years had a positive operating cash flow.
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 200M 400M

1.2 Ratios

  • CUBB's Return On Assets of 0.84% is on the low side compared to the rest of the industry. CUBB is outperformed by 62.50% of its industry peers.
  • CUBB's Return On Equity of 9.89% is in line compared to the rest of the industry. CUBB outperforms 58.51% of its industry peers.
Industry RankSector Rank
ROA 0.84%
ROE 9.89%
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

  • CUBB has a Profit Margin of 25.56%. This is comparable to the rest of the industry: CUBB outperforms 50.00% of its industry peers.
  • CUBB's Profit Margin has been stable in the last couple of years.
  • The Operating Margin and Gross Margin are not available for CUBB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 25.56%
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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2

2. CUBB Health Analysis

2.1 Basic Checks

  • CUBB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for CUBB has been increased compared to 1 year ago.
  • CUBB has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, CUBB has a worse debt to assets ratio.
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

  • CUBB has a debt to FCF ratio of 1.14. This is a very positive value and a sign of high solvency as it would only need 1.14 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 1.14, CUBB is in the better half of the industry, outperforming 64.36% of the companies in the same industry.
  • CUBB has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
  • CUBB has a Debt to Equity ratio (0.18) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.14
Altman-Z N/A
ROIC/WACCN/A
WACC24.65%
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. CUBB Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 40.14% over the past year.
  • CUBB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.87% yearly.
  • Looking at the last year, CUBB shows a very strong growth in Revenue. The Revenue has grown by 33.25%.
  • Measured over the past years, CUBB shows a quite strong growth in Revenue. The Revenue has been growing by 11.85% on average per year.
EPS 1Y (TTM)40.14%
EPS 3Y5.46%
EPS 5Y13.87%
EPS Q2Q%27.92%
Revenue 1Y (TTM)33.25%
Revenue growth 3Y7.65%
Revenue growth 5Y11.85%
Sales Q2Q%14.28%

3.2 Future

  • CUBB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.34% yearly.
  • The Revenue is expected to grow by 8.60% on average over the next years. This is quite good.
EPS Next Y9.39%
EPS Next 2Y11.88%
EPS Next 3Y9.34%
EPS Next 5YN/A
Revenue Next Year18.31%
Revenue Next 2Y13.82%
Revenue Next 3Y8.6%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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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8

4. CUBB Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 2.83, which indicates a rather cheap valuation of CUBB.
  • Based on the Price/Earnings ratio, CUBB is valued cheaply inside the industry as 98.40% of the companies are valued more expensively.
  • The average S&P500 Price/Earnings ratio is at 26.77. CUBB is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 2.39, the valuation of CUBB can be described as very cheap.
  • 98.67% of the companies in the same industry are more expensive than CUBB, based on the Price/Forward Earnings ratio.
  • CUBB is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.75, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 2.83
Fwd PE 2.39
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 cheaper than 97.34% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.33
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

  • CUBB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.3
PEG (5Y)0.2
EPS Next 2Y11.88%
EPS Next 3Y9.34%

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

6

5. CUBB Dividend Analysis

5.1 Amount

  • CUBB has a Yearly Dividend Yield of 5.91%, which is a nice return.
  • CUBB's Dividend Yield is rather good when compared to the industry average which is at 2.55. CUBB pays more dividend than 97.87% of the companies in the same industry.
  • CUBB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 5.91%

5.2 History

  • The dividend of CUBB decreases each year by -5.80%.
  • CUBB has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)-5.8%
Div Incr Years0
Div Non Decr Years0
CUBB Yearly Dividends per shareCUBB Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 5.16% of the earnings are spent on dividend by CUBB. This is a low number and sustainable payout ratio.
DP5.16%
EPS Next 2Y11.88%
EPS Next 3Y9.34%
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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CUBB Fundamentals: All Metrics, Ratios and Statistics

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

NYSE:CUBB (4/29/2026, 8:06:00 PM)

22.72

-0.26 (-1.13%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength69.57
Industry Growth91.93
Earnings (Last)04-23
Earnings (Next)07-22
Inst Owners96.12%
Inst Owner ChangeN/A
Ins Owners6.41%
Ins Owner ChangeN/A
Market Cap777.25M
Revenue(TTM)901.02M
Net Income(TTM)209.18M
Analysts77.65
Price Target27.06 (19.1%)
Short Float %0.01%
Short Ratio1.48
Dividend
Industry RankSector Rank
Dividend Yield 5.91%
Yearly Dividend0.33
Dividend Growth(5Y)-5.8%
DP5.16%
Div Incr Years0
Div Non Decr Years0
Ex-Date03-13
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)5.26%
Min EPS beat(2)-1.31%
Max EPS beat(2)11.83%
EPS beat(4)3
Avg EPS beat(4)10.69%
Min EPS beat(4)-1.31%
Max EPS beat(4)16.22%
EPS beat(8)5
Avg EPS beat(8)3.86%
EPS beat(12)8
Avg EPS beat(12)9.53%
EPS beat(16)9
Avg EPS beat(16)4.53%
Revenue beat(2)2
Avg Revenue beat(2)1.52%
Min Revenue beat(2)0.24%
Max Revenue beat(2)2.79%
Revenue beat(4)2
Avg Revenue beat(4)-0.71%
Min Revenue beat(4)-4.65%
Max Revenue beat(4)2.79%
Revenue beat(8)2
Avg Revenue beat(8)-3.46%
Revenue beat(12)5
Avg Revenue beat(12)0.56%
Revenue beat(16)7
Avg Revenue beat(16)0.9%
PT rev (1m)-12.63%
PT rev (3m)5.04%
EPS NQ rev (1m)1.31%
EPS NQ rev (3m)0.05%
EPS NY rev (1m)0.68%
EPS NY rev (3m)0.88%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)8.51%
Revenue NY rev (1m)-0.03%
Revenue NY rev (3m)9.09%
Valuation
Industry RankSector Rank
PE 2.83
Fwd PE 2.39
P/S 0.95
P/FCF 2.33
P/OCF 1.57
P/B 0.37
P/tB 0.37
EV/EBITDA N/A
EPS(TTM)8.03
EY35.34%
EPS(NY)9.51
Fwd EY41.87%
FCF(TTM)9.75
FCFY42.93%
OCF(TTM)14.46
OCFY63.65%
SpS23.92
BVpS61.84
TBVpS61.73
PEG (NY)0.3
PEG (5Y)0.2
Graham Number105.701 (365.23%)
Profitability
Industry RankSector Rank
ROA 0.84%
ROE 9.89%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.56%
GM N/A
FCFM 40.78%
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-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.14
Debt/EBITDA N/A
Cap/Depr 385.27%
Cap/Sales 19.68%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 159.53%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC24.65%
ROIC/WACCN/A
Cap/Depr(3y)236.5%
Cap/Depr(5y)255.61%
Cap/Sales(3y)11.42%
Cap/Sales(5y)11.16%
Profit Quality(3y)80.98%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)40.14%
EPS 3Y5.46%
EPS 5Y13.87%
EPS Q2Q%27.92%
EPS Next Y9.39%
EPS Next 2Y11.88%
EPS Next 3Y9.34%
EPS Next 5YN/A
Revenue 1Y (TTM)33.25%
Revenue growth 3Y7.65%
Revenue growth 5Y11.85%
Sales Q2Q%14.28%
Revenue Next Year18.31%
Revenue Next 2Y13.82%
Revenue Next 3Y8.6%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year14.51%
EBIT Next 3Y11.18%
EBIT Next 5YN/A
FCF growth 1Y317.81%
FCF growth 3YN/A
FCF growth 5Y26.26%
OCF growth 1Y241.08%
OCF growth 3YN/A
OCF growth 5Y30.05%

CUSTOMERS BANCORP INC - CUBI 5 3/8 12/30/34 / CUBB Fundamental Analysis 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.


What is the profitability of CUBB stock?

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


Can you provide the financial health for CUBB stock?

The financial health rating of CUSTOMERS BANCORP INC - CUBI 5 3/8 12/30/34 (CUBB) is 2 / 10.


How sustainable is the dividend of CUSTOMERS BANCORP INC - CUBI 5 3/8 12/30/34 (CUBB) stock?

The dividend rating of CUSTOMERS BANCORP INC - CUBI 5 3/8 12/30/34 (CUBB) is 6 / 10 and the dividend payout ratio is 5.16%.