CUSTOMERS BANCORP INC (CUBI) Stock Fundamental Analysis
USA - NYSE:CUBI - US23204G1004 - Common Stock
66.35 USD
-0.23 (-0.35%)
66.35 USD
0 (0%)
Taking everything into account, CUBI scores 4 out of 10 in our fundamental rating. CUBI was compared to 392 industry peers in the Banks industry. CUBI may be in some trouble as it scores bad on both profitability and health. A decent growth rate in combination with a cheap valuation! Better keep an eye on CUBI.
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.
CUBI had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
CUBI's Return On Assets of 0.58% is on the low side compared to the rest of the industry. CUBI is outperformed by 70.92% of its industry peers.
CUBI has a worse Return On Equity (7.06%) than 61.48% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.58% | ||
| ROE | 7.06% | ||
| 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
1.3 Margins
CUBI's Profit Margin of 19.24% is on the low side compared to the rest of the industry. CUBI is outperformed by 64.80% of its industry peers.
In the last couple of years the Profit Margin of CUBI has grown nicely.
CUBI does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 19.24% | ||
| 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
CUBI does not have a ROIC to compare to the WACC, probably because it is not profitable.
CUBI has less shares outstanding than it did 1 year ago.
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.
2.2 Solvency
The Debt to FCF ratio of CUBI is 0.86, which is an excellent value as it means it would take CUBI, only 0.86 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.86, CUBI is in the better half of the industry, outperforming 75.26% of the companies in the same industry.
A Debt/Equity ratio of 0.15 indicates that CUBI is not too dependend on debt financing.
CUBI's Debt to Equity ratio of 0.15 is in line compared to the rest of the industry. CUBI outperforms 55.87% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 0.86 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC20.87%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CUBI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -16.80%.
Measured over the past years, CUBI shows a quite strong growth in Earnings Per Share. The EPS has been growing by 19.23% on average per year.
The Revenue for CUBI has decreased by -13.34% in the past year. This is quite bad
Measured over the past years, CUBI shows a quite strong growth in Revenue. The Revenue has been growing by 17.99% on average per year.
EPS 1Y (TTM)-16.8%
EPS 3Y-15.21%
EPS 5Y19.23%
EPS Q2Q%20.81%
Revenue 1Y (TTM)-13.34%
Revenue growth 3Y-2.15%
Revenue growth 5Y17.99%
Sales Q2Q%5.4%
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 17.18% on average per year.
Based on estimates for the next years, CUBI will show a quite strong growth in Revenue. The Revenue will grow by 9.43% on average per year.
EPS Next Y28.28%
EPS Next 2Y17.18%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.8%
Revenue Next 2Y9.43%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same 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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 10.99, the valuation of CUBI can be described as very reasonable.
Based on the Price/Earnings ratio, CUBI is valued a bit cheaper than the industry average as 70.41% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 27.41. CUBI is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 8.64, the valuation of CUBI can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CUBI indicates a somewhat cheap valuation: CUBI is cheaper than 77.04% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.87. CUBI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.99 | ||
| Fwd PE | 8.64 |
4.2 Price Multiples
CUBI's Price/Free Cash Flow ratio is rather cheap when compared to the industry. CUBI is cheaper than 87.24% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.89 | ||
| EV/EBITDA | N/A |
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.
CUBI's earnings are expected to grow with 17.18% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.39
PEG (5Y)0.57
EPS Next 2Y17.18%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for CUBI!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
66.35
-0.23 (-0.35%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners92.56%
Inst Owner Change-2.01%
Ins Owners7.67%
Ins Owner Change10.64%
Market Cap2.26B
Analysts78.46
Price Target78.83 (18.81%)
Short Float %4.07%
Short Ratio3.53
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend0.48
Dividend Growth(5Y)1.33%
DP10.85%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)16.12%
Min EPS beat(2)16.03%
Max EPS beat(2)16.22%
EPS beat(4)3
Avg EPS beat(4)8.49%
Min EPS beat(4)-8.25%
Max EPS beat(4)16.22%
EPS beat(8)6
Avg EPS beat(8)10.17%
EPS beat(12)7
Avg EPS beat(12)3.04%
EPS beat(16)9
Avg EPS beat(16)8.26%
Revenue beat(2)0
Avg Revenue beat(2)-2.93%
Min Revenue beat(2)-4.65%
Max Revenue beat(2)-1.21%
Revenue beat(4)0
Avg Revenue beat(4)-6.4%
Min Revenue beat(4)-11.11%
Max Revenue beat(4)-1.21%
Revenue beat(8)1
Avg Revenue beat(8)-1.57%
Revenue beat(12)3
Avg Revenue beat(12)-1.29%
Revenue beat(16)7
Avg Revenue beat(16)4.35%
PT rev (1m)0.93%
PT rev (3m)16.66%
EPS NQ rev (1m)3.69%
EPS NQ rev (3m)19.41%
EPS NY rev (1m)0%
EPS NY rev (3m)11.42%
Revenue NQ rev (1m)0.86%
Revenue NQ rev (3m)7.6%
Revenue NY rev (1m)0.08%
Revenue NY rev (3m)3.36%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.99 | ||
| Fwd PE | 8.64 | ||
| P/S | 3.31 | ||
| P/FCF | 6.89 | ||
| P/OCF | 5.47 | ||
| P/B | 1.22 | ||
| P/tB | 1.22 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.04
EY9.1%
EPS(NY)7.68
Fwd EY11.57%
FCF(TTM)9.63
FCFY14.51%
OCF(TTM)12.13
OCFY18.29%
SpS20.04
BVpS54.6
TBVpS54.5
PEG (NY)0.39
PEG (5Y)0.57
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.58% | ||
| ROE | 7.06% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 19.24% | ||
| GM | N/A | ||
| FCFM | 48.06% |
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 0.86 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 185.22% | ||
| Cap/Sales | 12.49% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 249.78% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC20.87%
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)-16.8%
EPS 3Y-15.21%
EPS 5Y19.23%
EPS Q2Q%20.81%
EPS Next Y28.28%
EPS Next 2Y17.18%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-13.34%
Revenue growth 3Y-2.15%
Revenue growth 5Y17.99%
Sales Q2Q%5.4%
Revenue Next Year12.8%
Revenue Next 2Y9.43%
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 1Y283.6%
FCF growth 3Y-30.51%
FCF growth 5Y23.32%
OCF growth 1Y618.89%
OCF growth 3Y-18.81%
OCF growth 5Y13.21%