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CUSTOMERS BANCORP INC (CUBI) Stock Fundamental Analysis

NYSE:CUBI - New York Stock Exchange, Inc. - US23204G1004 - Common Stock - Currency: USD

51.52  +1.39 (+2.77%)

After market: 51.52 0 (0%)

Fundamental Rating

3

Taking everything into account, CUBI scores 3 out of 10 in our fundamental rating. CUBI was compared to 398 industry peers in the Banks industry. Both the profitability and financial health of CUBI have multiple concerns. CUBI is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year CUBI was profitable.
In the past year CUBI had a positive cash flow from operations.
In the past 5 years CUBI has always been profitable.
CUBI had a positive operating cash flow in 4 of the past 5 years.
CUBI Yearly Net Income VS EBIT VS OCF VS FCFCUBI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B 20B 25B

1.2 Ratios

CUBI has a Return On Assets (0.75%) which is in line with its industry peers.
With a Return On Equity value of 9.06%, CUBI perfoms like the industry average, outperforming 55.78% of the companies in the same industry.
Industry RankSector Rank
ROA 0.75%
ROE 9.06%
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
CUBI Yearly ROA, ROE, ROICCUBI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

1.3 Margins

CUBI has a Profit Margin of 23.28%. This is comparable to the rest of the industry: CUBI outperforms 49.25% of its industry peers.
CUBI's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for CUBI so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 23.28%
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
CUBI Yearly Profit, Operating, Gross MarginsCUBI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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2

2. Health

2.1 Basic Checks

CUBI does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, CUBI has less shares outstanding
CUBI has more shares outstanding than it did 5 years ago.
The debt/assets ratio for CUBI has been reduced compared to a year ago.
CUBI Yearly Shares OutstandingCUBI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
CUBI Yearly Total Debt VS Total AssetsCUBI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

2.2 Solvency

CUBI has a debt to FCF ratio of 3.53. This is a good value and a sign of high solvency as CUBI would need 3.53 years to pay back of all of its debts.
CUBI has a worse Debt to FCF ratio (3.53) than 64.32% of its industry peers.
A Debt/Equity ratio of 0.15 indicates that CUBI is not too dependend on debt financing.
CUBI has a Debt to Equity ratio of 0.15. This is comparable to the rest of the industry: CUBI outperforms 56.28% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 3.53
Altman-Z N/A
ROIC/WACCN/A
WACC23.42%
CUBI Yearly LT Debt VS Equity VS FCFCUBI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B 20B 25B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CUBI Yearly Current Assets VS Current LiabilitesCUBI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

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5

3. Growth

3.1 Past

The earnings per share for CUBI have decreased strongly by -19.97% in the last year.
CUBI shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 19.23% yearly.
The Revenue for CUBI has decreased by -12.38% in the past year. This is quite bad
The Revenue has been growing by 17.99% on average over the past years. This is quite good.
EPS 1Y (TTM)-19.97%
EPS 3Y-15.21%
EPS 5Y19.23%
EPS Q2Q%10%
Revenue 1Y (TTM)-12.38%
Revenue growth 3Y-2.15%
Revenue growth 5Y17.99%
Sales Q2Q%19.51%

3.2 Future

Based on estimates for the next years, CUBI will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.49% on average per year.
CUBI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.53% yearly.
EPS Next Y11.26%
EPS Next 2Y14.49%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.79%
Revenue Next 2Y10.53%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
CUBI Yearly Revenue VS EstimatesCUBI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M 800M
CUBI Yearly EPS VS EstimatesCUBI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6 8

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6

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 8.99 indicates a reasonable valuation of CUBI.
CUBI's Price/Earnings ratio is rather cheap when compared to the industry. CUBI is cheaper than 86.68% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 28.22, CUBI is valued rather cheaply.
The Price/Forward Earnings ratio is 7.03, which indicates a rather cheap valuation of CUBI.
90.45% of the companies in the same industry are more expensive than CUBI, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 20.86. CUBI is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 8.99
Fwd PE 7.03
CUBI Price Earnings VS Forward Price EarningsCUBI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

CUBI's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. CUBI is more expensive than 73.87% of the companies in the same industry.
Industry RankSector Rank
P/FCF 20.37
EV/EBITDA N/A
CUBI Per share dataCUBI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

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.
A more expensive valuation may be justified as CUBI's earnings are expected to grow with 14.49% in the coming years.
PEG (NY)0.8
PEG (5Y)0.47
EPS Next 2Y14.49%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

CUBI does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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CUSTOMERS BANCORP INC

NYSE:CUBI (5/2/2025, 8:04:00 PM)

After market: 51.52 0 (0%)

51.52

+1.39 (+2.77%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24/amc
Earnings (Next)07-23 2025-07-23/amc
Inst Owners91.2%
Inst Owner Change0.25%
Ins Owners7.36%
Ins Owner Change-1.77%
Market Cap1.63B
Analysts77.14
Price Target65.85 (27.81%)
Short Float %5.5%
Short Ratio5.11
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.48
Dividend Growth(5Y)1.33%
DP9.1%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.86%
Min EPS beat(2)-8.25%
Max EPS beat(2)9.97%
EPS beat(4)2
Avg EPS beat(4)-2.97%
Min EPS beat(4)-15.79%
Max EPS beat(4)9.97%
EPS beat(8)5
Avg EPS beat(8)8.95%
EPS beat(12)6
Avg EPS beat(12)2.48%
EPS beat(16)7
Avg EPS beat(16)3.2%
Revenue beat(2)0
Avg Revenue beat(2)-9.87%
Min Revenue beat(2)-11.11%
Max Revenue beat(2)-8.63%
Revenue beat(4)0
Avg Revenue beat(4)-6.22%
Min Revenue beat(4)-11.11%
Max Revenue beat(4)-0.07%
Revenue beat(8)3
Avg Revenue beat(8)1.19%
Revenue beat(12)5
Avg Revenue beat(12)1.43%
Revenue beat(16)9
Avg Revenue beat(16)5.84%
PT rev (1m)-3.17%
PT rev (3m)1.4%
EPS NQ rev (1m)-1.28%
EPS NQ rev (3m)5.63%
EPS NY rev (1m)-0.62%
EPS NY rev (3m)-1.09%
Revenue NQ rev (1m)1.91%
Revenue NQ rev (3m)3.62%
Revenue NY rev (1m)1.82%
Revenue NY rev (3m)3.39%
Valuation
Industry RankSector Rank
PE 8.99
Fwd PE 7.03
P/S 2.28
P/FCF 20.37
P/OCF 11.22
P/B 0.89
P/tB 0.89
EV/EBITDA N/A
EPS(TTM)5.73
EY11.12%
EPS(NY)7.33
Fwd EY14.22%
FCF(TTM)2.53
FCFY4.91%
OCF(TTM)4.59
OCFY8.92%
SpS22.64
BVpS58.16
TBVpS58.04
PEG (NY)0.8
PEG (5Y)0.47
Profitability
Industry RankSector Rank
ROA 0.75%
ROE 9.06%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.28%
GM N/A
FCFM 11.17%
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
ROICexcg growth 3YN/A
ROICexcg 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 RankSector Rank
Debt/Equity 0.15
Debt/FCF 3.53
Debt/EBITDA N/A
Cap/Depr 194.29%
Cap/Sales 9.12%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 47.99%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC23.42%
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)-19.97%
EPS 3Y-15.21%
EPS 5Y19.23%
EPS Q2Q%10%
EPS Next Y11.26%
EPS Next 2Y14.49%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-12.38%
Revenue growth 3Y-2.15%
Revenue growth 5Y17.99%
Sales Q2Q%19.51%
Revenue Next Year11.79%
Revenue Next 2Y10.53%
Revenue Next 3YN/A
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 1Y-4.22%
FCF growth 3Y-30.51%
FCF growth 5Y23.32%
OCF growth 1Y16.3%
OCF growth 3Y-18.81%
OCF growth 5Y13.21%