CUSTOMERS BANCORP INC - CUBI 5 3/8 12/30/34 (CUBB) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CUBB - US23204G8033
21.45 USD
+0.01 (+0.04%)
Taking everything into account, CUBB scores 4 out of 10 in our fundamental rating. CUBB was compared to 387 industry peers in the Banks industry. CUBB has a bad profitability rating. Also its financial health evaluation is rather negative. CUBB may be a bit undervalued, certainly considering the very reasonable score on growth CUBB also has an excellent dividend rating.
1. Profitability
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.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.67%, CUBB is doing worse than 67.44% of the companies in the same industry.
With a Return On Equity value of 7.64%, CUBB is not doing good in the industry: 60.98% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.67% | ||
| ROE | 7.64% | ||
| ROIC | N/A |
ROA(3y)0.97%
ROA(5y)1.01%
ROE(3y)13%
ROE(5y)14.32%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
CUBB's Profit Margin of 21.68% is on the low side compared to the rest of the industry. CUBB is outperformed by 60.21% of its industry peers.
In the last couple of years the Profit Margin of CUBB has grown nicely.
The Operating Margin and Gross Margin are not available for CUBB so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 21.68% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-16.04%
PM growth 5Y2.32%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
CUBB does not have a ROIC to compare to the WACC, probably because it is not profitable.
CUBB has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, CUBB has more shares outstanding
Compared to 1 year ago, CUBB has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of CUBB is 0.75, which is an excellent value as it means it would take CUBB, only 0.75 years of fcf income to pay off all of its debts.
CUBB has a Debt to FCF ratio of 0.75. This is in the better half of the industry: CUBB outperforms 75.45% of its industry peers.
CUBB has a Debt/Equity ratio of 0.13. This is a healthy value indicating a solid balance between debt and equity.
CUBB's Debt to Equity ratio of 0.13 is in line compared to the rest of the industry. CUBB outperforms 58.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | 0.75 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC29.73%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 14.62% over the past year.
The Earnings Per Share has been growing by 19.23% on average over the past years. This is quite good.
CUBB shows a small growth in Revenue. In the last year, the Revenue has grown by 1.38%.
Measured over the past years, CUBB shows a quite strong growth in Revenue. The Revenue has been growing by 17.99% on average per year.
EPS 1Y (TTM)14.62%
EPS 3Y-15.21%
EPS 5Y19.23%
EPS Q2Q%64.18%
Revenue 1Y (TTM)1.38%
Revenue growth 3Y-2.15%
Revenue growth 5Y17.99%
Sales Q2Q%27.35%
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 17.06% on average per year.
Based on estimates for the next years, CUBB will show a quite strong growth in Revenue. The Revenue will grow by 15.86% on average per year.
EPS Next Y30.42%
EPS Next 2Y19.29%
EPS Next 3Y17.06%
EPS Next 5YN/A
Revenue Next Year13.8%
Revenue Next 2Y13.54%
Revenue Next 3Y15.86%
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 stable.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 3.11, the valuation of CUBB can be described as very cheap.
Based on the Price/Earnings ratio, CUBB is valued cheaply inside the industry as 98.45% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 26.31, CUBB is valued rather cheaply.
A Price/Forward Earnings ratio of 2.70 indicates a rather cheap valuation of CUBB.
Based on the Price/Forward Earnings ratio, CUBB is valued cheaply inside the industry as 98.45% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 36.59. CUBB is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.11 | ||
| Fwd PE | 2.7 |
4.2 Price Multiples
98.45% of the companies in the same industry are more expensive than CUBB, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.96 | ||
| EV/EBITDA | N/A |
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.
A more expensive valuation may be justified as CUBB's earnings are expected to grow with 17.06% in the coming years.
PEG (NY)0.1
PEG (5Y)0.16
EPS Next 2Y19.29%
EPS Next 3Y17.06%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.26%, CUBB is a good candidate for dividend investing.
CUBB's Dividend Yield is rather good when compared to the industry average which is at 3.23. CUBB pays more dividend than 95.35% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.34, CUBB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.26% |
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.
The dividend of CUBB decreased recently.
Dividend Growth(5Y)1.33%
Div Incr Years0
Div Non Decr Years1
5.3 Sustainability
CUBB pays out 7.70% 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.
DP7.7%
EPS Next 2Y19.29%
EPS Next 3Y17.06%
CUSTOMERS BANCORP INC - CUBI 5 3/8 12/30/34
NYSE:CUBB (11/28/2025, 8:21:55 PM)
21.45
+0.01 (+0.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners84.8%
Inst Owner ChangeN/A
Ins Owners7.11%
Ins Owner ChangeN/A
Market Cap732.95M
Revenue(TTM)748.80M
Net Income(TTM)162.36M
Analysts78.57
Price Target27.44 (27.93%)
Short Float %0%
Short Ratio0.36
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.26% |
Yearly Dividend0.48
Dividend Growth(5Y)1.33%
DP7.7%
Div Incr Years0
Div Non Decr Years1
Ex-Date
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)4.17%
PT rev (3m)9.13%
EPS NQ rev (1m)1.51%
EPS NQ rev (3m)3.83%
EPS NY rev (1m)0.84%
EPS NY rev (3m)1.66%
Revenue NQ rev (1m)-1.85%
Revenue NQ rev (3m)0.14%
Revenue NY rev (1m)0.76%
Revenue NY rev (3m)0.96%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.11 | ||
| Fwd PE | 2.7 | ||
| P/S | 0.98 | ||
| P/FCF | 1.96 | ||
| P/OCF | 1.45 | ||
| P/B | 0.34 | ||
| P/tB | 0.35 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.9
EY32.17%
EPS(NY)7.95
Fwd EY37.08%
FCF(TTM)10.93
FCFY50.98%
OCF(TTM)14.83
OCFY69.12%
SpS21.91
BVpS62.22
TBVpS62.11
PEG (NY)0.1
PEG (5Y)0.16
Graham Number98.28
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.67% | ||
| ROE | 7.64% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 21.68% | ||
| GM | N/A | ||
| FCFM | 49.9% |
ROA(3y)0.97%
ROA(5y)1.01%
ROE(3y)13%
ROE(5y)14.32%
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-16.04%
PM growth 5Y2.32%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | 0.75 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 347.39% | ||
| Cap/Sales | 17.76% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 230.13% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC29.73%
ROIC/WACCN/A
Cap/Depr(3y)247.59%
Cap/Depr(5y)209.08%
Cap/Sales(3y)10.6%
Cap/Sales(5y)8.47%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)14.62%
EPS 3Y-15.21%
EPS 5Y19.23%
EPS Q2Q%64.18%
EPS Next Y30.42%
EPS Next 2Y19.29%
EPS Next 3Y17.06%
EPS Next 5YN/A
Revenue 1Y (TTM)1.38%
Revenue growth 3Y-2.15%
Revenue growth 5Y17.99%
Sales Q2Q%27.35%
Revenue Next Year13.8%
Revenue Next 2Y13.54%
Revenue Next 3Y15.86%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y475.89%
FCF growth 3Y-30.51%
FCF growth 5Y23.32%
OCF growth 1Y1061.27%
OCF growth 3Y-18.81%
OCF growth 5Y13.21%
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.
Can you provide the valuation status for CUSTOMERS BANCORP INC - CUBI 5 3/8 12/30/34?
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.
Can you provide the profitability details for CUSTOMERS BANCORP INC - CUBI 5 3/8 12/30/34?
CUSTOMERS BANCORP INC - CUBI 5 3/8 12/30/34 (CUBB) has a profitability rating of 2 / 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 3 / 10.
What is the earnings growth outlook for CUSTOMERS BANCORP INC - CUBI 5 3/8 12/30/34?
The Earnings per Share (EPS) of CUSTOMERS BANCORP INC - CUBI 5 3/8 12/30/34 (CUBB) is expected to grow by 30.42% in the next year.