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CUSTOMERS BANCORP INC (CUBI) Stock Fundamental Analysis

NYSE:CUBI - US23204G1004 - Common Stock

71.69 USD
+0.52 (+0.73%)
Last: 8/29/2025, 8:14:48 PM
71.69 USD
0 (0%)
After Hours: 8/29/2025, 8:14:48 PM
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to CUBI. CUBI was compared to 393 industry peers in the Banks industry. CUBI may be in some trouble as it scores bad on both profitability and health. CUBI scores decently on growth, while it is valued quite cheap. This could make an interesting combination.


Dividend Valuation Growth Profitability Health

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2

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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B 20B 25B

1.2 Ratios

CUBI has a worse Return On Assets (0.58%) than 71.50% of its industry peers.
Looking at the Return On Equity, with a value of 7.06%, CUBI is doing worse than 61.58% of the companies in the same industry.
Industry RankSector 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
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 19.24%. This is in the lower half of the industry: CUBI underperforms 65.14% of its industry peers.
In the last couple of years the Profit Margin of CUBI has grown nicely.
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) 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
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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3

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.
Compared to 5 years ago, CUBI has more shares outstanding
CUBI has a better debt/assets ratio than last year.
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

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.
CUBI has a better Debt to FCF ratio (0.86) than 76.34% 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 (0.15) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 0.86
Altman-Z N/A
ROIC/WACCN/A
WACC20.77%
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

CUBI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -16.80%.
The Earnings Per Share has been growing by 19.23% on average over the past years. This is quite good.
Looking at the last year, CUBI shows a very negative growth in Revenue. The Revenue has decreased by -13.34% in the last year.
The Revenue has been growing by 17.99% on average over the past years. This is quite good.
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.
CUBI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.37% yearly.
EPS Next Y28.28%
EPS Next 2Y17.18%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.72%
Revenue Next 2Y9.37%
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 stable.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last 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
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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7

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 11.87 indicates a reasonable valuation of CUBI.
Compared to the rest of the industry, the Price/Earnings ratio of CUBI indicates a somewhat cheap valuation: CUBI is cheaper than 62.85% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.08, CUBI is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 9.34, 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 70.23% of the companies listed in the same industry.
CUBI is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.72, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.87
Fwd PE 9.34
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 rather cheap when compared to the industry. CUBI is cheaper than 87.79% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.9
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

CUBI's 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)0.42
PEG (5Y)0.62
EPS Next 2Y17.18%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for CUBI!.
Industry RankSector Rank
Dividend Yield N/A

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CUSTOMERS BANCORP INC

NYSE:CUBI (8/29/2025, 8:14:48 PM)

After market: 71.69 0 (0%)

71.69

+0.52 (+0.73%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-24 2025-07-24/amc
Earnings (Next)10-29 2025-10-29/amc
Inst Owners92.56%
Inst Owner Change-2.01%
Ins Owners7.67%
Ins Owner Change12.08%
Market Cap2.27B
Analysts78.46
Price Target78.1 (8.94%)
Short Float %4.38%
Short Ratio3.7
Dividend
Industry RankSector 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)12.13%
PT rev (3m)15.36%
EPS NQ rev (1m)14.65%
EPS NQ rev (3m)14.94%
EPS NY rev (1m)12.17%
EPS NY rev (3m)11.42%
Revenue NQ rev (1m)6.52%
Revenue NQ rev (3m)5.43%
Revenue NY rev (1m)3.06%
Revenue NY rev (3m)2.33%
Valuation
Industry RankSector Rank
PE 11.87
Fwd PE 9.34
P/S 3.32
P/FCF 6.9
P/OCF 5.47
P/B 1.22
P/tB 1.22
EV/EBITDA N/A
EPS(TTM)6.04
EY8.43%
EPS(NY)7.68
Fwd EY10.71%
FCF(TTM)10.39
FCFY14.5%
OCF(TTM)13.1
OCFY18.27%
SpS21.63
BVpS58.94
TBVpS58.82
PEG (NY)0.42
PEG (5Y)0.62
Profitability
Industry RankSector 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 RankSector 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
WACC20.77%
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 Year12.72%
Revenue Next 2Y9.37%
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%