CUSTOMERS BANCORP INC (CUBI) Fundamental Analysis & Valuation

NYSE:CUBI • US23204G1004

Current stock price

70.41 USD
-0.54 (-0.76%)
At close:
70.41 USD
0 (0%)
After Hours:

This CUBI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. CUBI Profitability Analysis

1.1 Basic Checks

  • CUBI had positive earnings in the past year.
  • CUBI had a positive operating cash flow in the past year.
  • 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.
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 200M 400M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.84%, CUBI is doing worse than 60.53% of the companies in the same industry.
  • CUBI's Return On Equity of 9.89% is in line compared to the rest of the industry. CUBI outperforms 59.74% of its industry peers.
Industry RankSector Rank
ROA 0.84%
ROE 9.89%
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

  • The Profit Margin of CUBI (25.56%) is comparable to the rest of the 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) 25.56%
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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2

2. CUBI Health Analysis

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

  • The Debt to FCF ratio of CUBI is 1.14, which is an excellent value as it means it would take CUBI, only 1.14 years of fcf income to pay off all of its debts.
  • CUBI has a Debt to FCF ratio of 1.14. This is in the better half of the industry: CUBI outperforms 65.53% of its industry peers.
  • A Debt/Equity ratio of 0.18 indicates that CUBI is not too dependend on debt financing.
  • CUBI's Debt to Equity ratio of 0.18 is in line compared to the rest of the industry. CUBI outperforms 48.42% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.14
Altman-Z N/A
ROIC/WACCN/A
WACC17.56%
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. CUBI Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 35.96% over the past year.
  • Measured over the past years, CUBI shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.87% on average per year.
  • CUBI shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.48%.
  • 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

  • The Earnings Per Share is expected to grow by 8.32% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 8.49% on average over the next years. This is quite good.
EPS Next Y8.66%
EPS Next 2Y11.26%
EPS Next 3Y8.32%
EPS Next 5YN/A
Revenue Next Year18.35%
Revenue Next 2Y13.92%
Revenue Next 3Y8.49%
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.
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 2028 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 2028 2 4 6 8

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6

4. CUBI Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 9.26 indicates a reasonable valuation of CUBI.
  • Based on the Price/Earnings ratio, CUBI is valued cheaper than 85.53% of the companies in the same industry.
  • CUBI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.60.
  • CUBI is valuated reasonably with a Price/Forward Earnings ratio of 8.53.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of CUBI indicates a rather cheap valuation: CUBI is cheaper than 84.21% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 22.84. CUBI is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.26
Fwd PE 8.53
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

  • Based on the Price/Free Cash Flow ratio, CUBI is valued cheaply inside the industry as 83.95% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 7.22
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

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.07
PEG (5Y)0.67
EPS Next 2Y11.26%
EPS Next 3Y8.32%

More info and screens

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

0

5. CUBI Dividend Analysis

5.1 Amount

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

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CUBI Fundamentals: All Metrics, Ratios and Statistics

CUSTOMERS BANCORP INC

NYSE:CUBI (4/2/2026, 8:17:11 PM)

After market: 70.41 0 (0%)

70.41

-0.54 (-0.76%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-23
Inst Owners95.91%
Inst Owner Change0.62%
Ins Owners6.45%
Ins Owner Change-9.74%
Market Cap2.41B
Revenue(TTM)818.31M
Net Income(TTM)209.18M
Analysts76
Price Target91.75 (30.31%)
Short Float %6.37%
Short Ratio4.62
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend0.33
Dividend Growth(5Y)-5.8%
DP5.16%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)5.26%
Min EPS beat(2)-1.31%
Max EPS beat(2)11.83%
EPS beat(4)3
Avg EPS beat(4)10.69%
Min EPS beat(4)-1.31%
Max EPS beat(4)16.22%
EPS beat(8)5
Avg EPS beat(8)3.86%
EPS beat(12)8
Avg EPS beat(12)9.53%
EPS beat(16)9
Avg EPS beat(16)4.53%
Revenue beat(2)2
Avg Revenue beat(2)1.52%
Min Revenue beat(2)0.24%
Max Revenue beat(2)2.79%
Revenue beat(4)2
Avg Revenue beat(4)-0.71%
Min Revenue beat(4)-4.65%
Max Revenue beat(4)2.79%
Revenue beat(8)2
Avg Revenue beat(8)-3.46%
Revenue beat(12)5
Avg Revenue beat(12)0.56%
Revenue beat(16)7
Avg Revenue beat(16)0.9%
PT rev (1m)-0.36%
PT rev (3m)5.41%
EPS NQ rev (1m)-0.05%
EPS NQ rev (3m)0.65%
EPS NY rev (1m)-1.12%
EPS NY rev (3m)2.33%
Revenue NQ rev (1m)-0.27%
Revenue NQ rev (3m)11.45%
Revenue NY rev (1m)-0.2%
Revenue NY rev (3m)11.23%
Valuation
Industry RankSector Rank
PE 9.26
Fwd PE 8.53
P/S 2.94
P/FCF 7.22
P/OCF 4.87
P/B 1.14
P/tB 1.14
EV/EBITDA N/A
EPS(TTM)7.6
EY10.79%
EPS(NY)8.26
Fwd EY11.73%
FCF(TTM)9.75
FCFY13.85%
OCF(TTM)14.46
OCFY20.54%
SpS23.92
BVpS61.84
TBVpS61.73
PEG (NY)1.07
PEG (5Y)0.67
Graham Number102.83
Profitability
Industry RankSector Rank
ROA 0.84%
ROE 9.89%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.56%
GM N/A
FCFM 40.78%
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-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.14
Debt/EBITDA N/A
Cap/Depr 385.27%
Cap/Sales 19.68%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 159.53%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC17.56%
ROIC/WACCN/A
Cap/Depr(3y)236.5%
Cap/Depr(5y)255.61%
Cap/Sales(3y)11.42%
Cap/Sales(5y)11.16%
Profit Quality(3y)80.98%
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 Y8.66%
EPS Next 2Y11.26%
EPS Next 3Y8.32%
EPS Next 5YN/A
Revenue 1Y (TTM)14.48%
Revenue growth 3Y7.65%
Revenue growth 5Y11.85%
Sales Q2Q%40.63%
Revenue Next Year18.35%
Revenue Next 2Y13.92%
Revenue Next 3Y8.49%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year14.09%
EBIT Next 3Y10.23%
EBIT Next 5YN/A
FCF growth 1Y317.81%
FCF growth 3YN/A
FCF growth 5Y26.26%
OCF growth 1Y241.08%
OCF growth 3YN/A
OCF growth 5Y30.05%

CUSTOMERS BANCORP INC / CUBI Fundamental Analysis FAQ

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

ChartMill assigns a fundamental rating of 4 / 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.


Can you provide the profitability details for CUSTOMERS BANCORP INC?

CUSTOMERS BANCORP INC (CUBI) has a profitability rating of 3 / 10.


Can you provide the financial health for CUBI stock?

The financial health rating of CUSTOMERS BANCORP INC (CUBI) is 2 / 10.


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 5.16%.