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

NYSE:CUBB • US23204G8033

Current stock price

22.4 USD
-0.01 (-0.04%)
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

  • In the past year CUBB was profitable.
  • In the past year CUBB had a positive cash flow from operations.
  • In the past 5 years CUBB has always 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

  • Looking at the Return On Assets, with a value of 0.84%, CUBB is in line with its industry, outperforming 40.26% of the companies in the same industry.
  • The Return On Equity of CUBB (9.89%) is better than 60.26% 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 (25.56%) which is in line with its industry peers.
  • In the last couple of years the Profit Margin of CUBB has remained more or less at the same level.
  • 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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ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • Compared to 1 year ago, CUBB has more shares outstanding
  • Compared to 5 years ago, CUBB has more shares outstanding
  • 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 1.14, which is an excellent value as it means it would take CUBB, only 1.14 years of fcf income to pay off all of its debts.
  • CUBB has a Debt to FCF ratio of 1.14. This is in the better half of the industry: CUBB outperforms 66.32% of its industry peers.
  • A Debt/Equity ratio of 0.18 indicates that CUBB is not too dependend on debt financing.
  • CUBB has a Debt to Equity ratio (0.18) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.14
Altman-Z N/A
ROIC/WACCN/A
WACC24.79%
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 35.96% over the past year.
  • The Earnings Per Share has been growing by 13.87% on average over the past years. This is quite good.
  • Looking at the last year, CUBB shows a quite strong growth in Revenue. The Revenue has grown by 14.48% in the last year.
  • 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

  • The Earnings Per Share is expected to grow by 8.32% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 8.49% on average over the next years. This is quite good.
EPS Next Y8.66%
EPS Next 2Y11.26%
EPS Next 3Y8.32%
EPS Next 5YN/A
Revenue Next Year18.35%
Revenue Next 2Y13.92%
Revenue Next 3Y8.49%
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

  • CUBB is valuated cheaply with a Price/Earnings ratio of 2.95.
  • Compared to the rest of the industry, the Price/Earnings ratio of CUBB indicates a rather cheap valuation: CUBB is cheaper than 98.42% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of CUBB to the average of the S&P500 Index (25.54), we can say CUBB is valued rather cheaply.
  • A Price/Forward Earnings ratio of 2.71 indicates a rather cheap valuation of CUBB.
  • Based on the Price/Forward Earnings ratio, CUBB is valued cheaply inside the industry as 98.68% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 22.70. CUBB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 2.95
Fwd PE 2.71
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of CUBB indicates a rather cheap valuation: CUBB is cheaper than 97.63% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 2.3
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)0.34
PEG (5Y)0.21
EPS Next 2Y11.26%
EPS Next 3Y8.32%

More info and screens

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

6

5. CUBB Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 6.00%, CUBB is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.78, CUBB pays a better dividend. On top of this CUBB pays more dividend than 94.47% 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 1.89.
Industry RankSector Rank
Dividend Yield 6%

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.
  • CUBB has decreased its dividend recently.
Dividend Growth(5Y)-5.8%
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 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 2Y11.26%
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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CUBB Fundamentals: All Metrics, Ratios and Statistics

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

NYSE:CUBB (3/23/2026, 8:04:00 PM)

22.4

-0.01 (-0.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-22
Inst Owners95.91%
Inst Owner ChangeN/A
Ins Owners6.45%
Ins Owner ChangeN/A
Market Cap766.30M
Revenue(TTM)818.31M
Net Income(TTM)209.18M
Analysts76
Price Target30.72 (37.14%)
Short Float %0.01%
Short Ratio0.82
Dividend
Industry RankSector Rank
Dividend Yield 6%
Yearly Dividend0.33
Dividend Growth(5Y)-5.8%
DP5.16%
Div Incr Years0
Div Non Decr Years1
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)17.98%
PT rev (3m)20.48%
EPS NQ rev (1m)-1.56%
EPS NQ rev (3m)0.65%
EPS NY rev (1m)-1.12%
EPS NY rev (3m)2.33%
Revenue NQ rev (1m)-0.27%
Revenue NQ rev (3m)11.45%
Revenue NY rev (1m)0.5%
Revenue NY rev (3m)11.23%
Valuation
Industry RankSector Rank
PE 2.95
Fwd PE 2.71
P/S 0.94
P/FCF 2.3
P/OCF 1.55
P/B 0.36
P/tB 0.36
EV/EBITDA N/A
EPS(TTM)7.6
EY33.93%
EPS(NY)8.26
Fwd EY36.87%
FCF(TTM)9.75
FCFY43.55%
OCF(TTM)14.46
OCFY64.56%
SpS23.92
BVpS61.84
TBVpS61.73
PEG (NY)0.34
PEG (5Y)0.21
Graham Number102.83
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
WACC24.79%
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)35.96%
EPS 3Y5.46%
EPS 5Y13.87%
EPS Q2Q%51.47%
EPS Next Y8.66%
EPS Next 2Y11.26%
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 Year18.35%
Revenue Next 2Y13.92%
Revenue Next 3Y8.49%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year14.09%
EBIT Next 3Y10.23%
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.


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 3 / 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 2.95 and the Price/Book (PB) ratio is 0.36.


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 6 / 10 and the dividend payout ratio is 5.16%.