CUSTOMERS BANCORP INC (CUBI) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:CUBI • US23204G1004

76.28 USD
-0.42 (-0.55%)
At close: Feb 6, 2026
77.1 USD
+0.82 (+1.07%)
After Hours: 2/6/2026, 8:26:50 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Overall CUBI gets a fundamental rating of 3 out of 10. We evaluated CUBI against 383 industry peers in the Banks industry. CUBI may be in some trouble as it scores bad on both profitability and health. CUBI has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • CUBI had positive earnings in the past year.
  • In the past year CUBI had a positive cash flow from operations.
  • CUBI had positive earnings in each of the past 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: CUBI reported negative operating cash flow in multiple 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M 200M 300M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.67%, CUBI is doing worse than 69.19% of the companies in the same industry.
  • CUBI's Return On Equity of 7.62% is on the low side compared to the rest of the industry. CUBI is outperformed by 62.14% 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
CUBI Yearly ROA, ROE, ROICCUBI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • Looking at the Profit Margin, with a value of 21.65%, CUBI is doing worse than 61.62% of the companies in the same industry.
  • CUBI's Profit Margin has been stable in the last couple of years.
  • CUBI 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
CUBI Yearly Profit, Operating, Gross MarginsCUBI 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

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

  • CUBI has a debt to FCF ratio of 0.76. This is a very positive value and a sign of high solvency as it would only need 0.76 years to pay back of all of its debts.
  • The Debt to FCF ratio of CUBI (0.76) is better than 73.63% of its industry peers.
  • A Debt/Equity ratio of 0.13 indicates that CUBI is not too dependend on debt financing.
  • The Debt to Equity ratio of CUBI (0.13) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 0.76
Altman-Z N/A
ROIC/WACCN/A
WACC19.52%
CUBI Yearly LT Debt VS Equity VS FCFCUBI 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
CUBI Yearly Current Assets VS Current LiabilitesCUBI 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.
  • CUBI 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, CUBI shows a quite strong growth in Revenue. The Revenue has grown by 14.48% in the last year.
  • CUBI 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

  • CUBI is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.73% yearly.
  • The Revenue is expected to grow by 10.04% on average over the next years. This is quite good.
EPS Next Y8.43%
EPS Next 2Y9.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.45%
Revenue Next 2Y10.04%
Revenue Next 3YN/A
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.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
CUBI Yearly Revenue VS EstimatesCUBI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M
CUBI Yearly EPS VS EstimatesCUBI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6 8

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 10.04 indicates a reasonable valuation of CUBI.
  • Based on the Price/Earnings ratio, CUBI is valued cheaper than 84.60% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of CUBI to the average of the S&P500 Index (27.92), we can say CUBI is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 9.26, the valuation of CUBI can be described as very reasonable.
  • CUBI's Price/Forward Earnings ratio is rather cheap when compared to the industry. CUBI is cheaper than 80.68% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of CUBI to the average of the S&P500 Index (27.78), we can say CUBI is valued rather cheaply.
Industry RankSector Rank
PE 10.04
Fwd PE 9.26
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of CUBI indicates a rather cheap valuation: CUBI is cheaper than 87.99% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 6.99
EV/EBITDA N/A
CUBI Per share dataCUBI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

  • CUBI's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.19
PEG (5Y)0.72
EPS Next 2Y9.73%
EPS Next 3YN/A

More info and screens

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

0

5. Dividend

5.1 Amount

  • No dividends for CUBI!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

CUSTOMERS BANCORP INC

NYSE:CUBI (2/6/2026, 8:26:50 PM)

After market: 77.1 +0.82 (+1.07%)

76.28

-0.42 (-0.55%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-22
Inst Owners92.9%
Inst Owner Change-1.02%
Ins Owners6.48%
Ins Owner Change-9.57%
Market Cap2.61B
Revenue(TTM)818.31M
Net Income(TTM)162.09M
Analysts77.33
Price Target88.17 (15.59%)
Short Float %4.73%
Short Ratio4.1
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend0.48
Dividend Growth(5Y)1.33%
DP7.31%
Div Incr Years0
Div Non Decr Years0
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)1.3%
PT rev (3m)2.76%
EPS NQ rev (1m)2.25%
EPS NQ rev (3m)11.37%
EPS NY rev (1m)2.12%
EPS NY rev (3m)7.33%
Revenue NQ rev (1m)1.98%
Revenue NQ rev (3m)3.42%
Revenue NY rev (1m)1.93%
Revenue NY rev (3m)3.7%
Valuation
Industry RankSector Rank
PE 10.04
Fwd PE 9.26
P/S 3.48
P/FCF 6.99
P/OCF 5.15
P/B 1.23
P/tB 1.23
EV/EBITDA N/A
EPS(TTM)7.6
EY9.96%
EPS(NY)8.24
Fwd EY10.8%
FCF(TTM)10.92
FCFY14.32%
OCF(TTM)14.81
OCFY19.42%
SpS21.91
BVpS62.22
TBVpS62.11
PEG (NY)1.19
PEG (5Y)0.72
Graham Number103.15
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
WACC19.52%
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 Y8.43%
EPS Next 2Y9.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)14.48%
Revenue growth 3Y7.65%
Revenue growth 5Y11.85%
Sales Q2Q%40.63%
Revenue Next Year8.45%
Revenue Next 2Y10.04%
Revenue Next 3YN/A
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 FAQ

Can you provide the ChartMill fundamental rating for CUSTOMERS BANCORP INC?

ChartMill assigns a fundamental rating of 3 / 10 to CUBI.


What is the valuation status of CUSTOMERS BANCORP INC (CUBI) stock?

ChartMill assigns a valuation rating of 6 / 10 to CUSTOMERS BANCORP INC (CUBI). This can be considered as Fairly Valued.


What is the profitability of CUBI stock?

CUSTOMERS BANCORP INC (CUBI) has a profitability rating of 2 / 10.


What are the PE and PB ratios of CUSTOMERS BANCORP INC (CUBI) stock?

The Price/Earnings (PE) ratio for CUSTOMERS BANCORP INC (CUBI) is 10.04 and the Price/Book (PB) ratio is 1.23.


How sustainable is the dividend of CUSTOMERS BANCORP INC (CUBI) stock?

The dividend rating of CUSTOMERS BANCORP INC (CUBI) is 0 / 10 and the dividend payout ratio is 7.31%.