CUSTOMERS BANCORP INC (CUBI)
US23204G1004 - Common Stock
Overall CUBI gets a fundamental rating of 4 out of 10. We evaluated CUBI against 412 industry peers in the Banks industry. CUBI has a medium profitability rating, but doesn't score so well on its financial health evaluation. CUBI has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year CUBI was profitable.
CUBI had a positive operating cash flow in the past year.
In the past 5 years CUBI has always been profitable.
CUBI had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
The Return On Assets of CUBI (1.10%) is better than 70.87% of its industry peers.
The Return On Equity of CUBI (14.38%) is better than 87.38% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.1% | ||
| ROE | 14.38% | ||
| ROIC | N/A |
ROA(3y)1.23%
ROA(5y)0.98%
ROE(3y)17.3%
ROE(5y)13.74%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With an excellent Profit Margin value of 31.07%, CUBI belongs to the best of the industry, outperforming 80.58% of the companies in the same industry.
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) | 31.07% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y7.01%
PM growth 5Y11.47%
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.
The number of shares outstanding for CUBI has been increased compared to 5 years ago.
The debt/assets ratio for CUBI has been reduced compared to a year ago.
2.2 Solvency
CUBI has a debt to FCF ratio of 3.67. This is a good value and a sign of high solvency as CUBI would need 3.67 years to pay back of all of its debts.
With a Debt to FCF ratio value of 3.67, CUBI is not doing good in the industry: 60.44% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.19 indicates that CUBI is not too dependend on debt financing.
CUBI has a Debt to Equity ratio of 0.19. This is comparable to the rest of the industry: CUBI outperforms 58.01% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 3.67 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC23.94%
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 12.81% over the past year.
Measured over the past years, CUBI shows a very strong growth in Earnings Per Share. The EPS has been growing by 24.85% on average per year.
Looking at the last year, CUBI shows a quite strong growth in Revenue. The Revenue has grown by 15.58% in the last year.
CUBI shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 19.06% yearly.
EPS 1Y (TTM)12.81%
EPS 3Y22.57%
EPS 5Y24.85%
EPS growth Q2Q132.47%
Revenue 1Y (TTM)15.58%
Revenue growth 3Y17.48%
Revenue growth 5Y19.06%
Revenue growth Q2Q34.25%
3.2 Future
The Earnings Per Share is expected to grow by 1.75% on average over the next years.
CUBI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.69% yearly.
EPS Next Y-3.43%
EPS Next 2Y1.75%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.48%
Revenue Next 2Y3.69%
Revenue Next 3YN/A
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 6.60, which indicates a rather cheap valuation of CUBI.
Based on the Price/Earnings ratio, CUBI is valued cheaply inside the industry as 89.56% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 27.73. CUBI is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 6.84, which indicates a rather cheap valuation of CUBI.
Based on the Price/Forward Earnings ratio, CUBI is valued cheaply inside the industry as 91.50% of the companies are valued more expensively.
CUBI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 20.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.6 | ||
| Fwd PE | 6.84 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of CUBI indicates a slightly more expensive valuation: CUBI is more expensive than 77.91% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.24 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.27
EPS Next 2Y1.75%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for CUBI!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
CUSTOMERS BANCORP INC
NYSE:CUBI (5/3/2024, 7:04:00 PM)
After market: 48.25 0 (0%)48.25
+0.85 (+1.79%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap1.52B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.6 | ||
| Fwd PE | 6.84 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.27
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.1% | ||
| ROE | 14.38% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 31.07% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)12.81%
EPS 3Y22.57%
EPS 5Y
EPS growth Q2Q
EPS Next Y-3.43%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)15.58%
Revenue growth 3Y17.48%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y