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CUSTOMERS BANCORP INC (CUBI) Stock Fundamental Analysis

NYSE:CUBI - New York Stock Exchange, Inc. - US23204G1004 - Common Stock - Currency: USD

54  +0.88 (+1.66%)

After market: 54 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to CUBI. CUBI was compared to 404 industry peers in the Banks industry. There are concerns on the financial health of CUBI while its profitability can be described as average. CUBI has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year CUBI was profitable.
CUBI had a negative operating cash flow in the past year.
In the past 5 years CUBI has always been profitable.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B 20B 25B

1.2 Ratios

CUBI's Return On Assets of 0.94% is fine compared to the rest of the industry. CUBI outperforms 63.80% of its industry peers.
CUBI's Return On Equity of 11.18% is amongst the best of the industry. CUBI outperforms 80.76% of its industry peers.
Industry RankSector Rank
ROA 0.94%
ROE 11.18%
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 better Profit Margin (27.27%) than 73.16% 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) 27.27%
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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2

2. Health

2.1 Basic Checks

CUBI does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, CUBI has less shares outstanding
CUBI has more shares outstanding than it did 5 years ago.
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

CUBI has a Debt/Equity ratio of 0.16. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.16, CUBI is doing good in the industry, outperforming 60.51% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC21.88%
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 -23.53%.
The Earnings Per Share has been growing by 19.23% on average over the past years. This is quite good.
CUBI shows a decrease in Revenue. In the last year, the revenue decreased by -5.70%.
The Revenue has been growing by 17.99% on average over the past years. This is quite good.
EPS 1Y (TTM)-23.53%
EPS 3Y-15.21%
EPS 5Y19.23%
EPS Q2Q%-24.02%
Revenue 1Y (TTM)-5.7%
Revenue growth 3Y-2.15%
Revenue growth 5Y17.99%
Sales Q2Q%-16.93%

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 14.98% yearly.
CUBI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.75% yearly.
EPS Next Y11.95%
EPS Next 2Y14.98%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year9.79%
Revenue Next 2Y9.75%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
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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5

4. Valuation

4.1 Price/Earnings Ratio

CUBI is valuated reasonably with a Price/Earnings ratio of 9.66.
86.08% of the companies in the same industry are more expensive than CUBI, based on the Price/Earnings ratio.
CUBI is valuated cheaply when we compare the Price/Earnings ratio to 29.98, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 8.63, which indicates a very decent valuation of CUBI.
88.10% of the companies in the same industry are more expensive than CUBI, based on the Price/Forward Earnings ratio.
CUBI is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.66, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.66
Fwd PE 8.63
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

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
CUBI Per share dataCUBI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 40

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 14.98% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.81
PEG (5Y)0.5
EPS Next 2Y14.98%
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 (2/28/2025, 8:04:00 PM)

After market: 54 0 (0%)

54

+0.88 (+1.66%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-23 2025-01-23/amc
Earnings (Next)04-23 2025-04-23/amc
Inst Owners91.2%
Inst Owner Change-0.74%
Ins Owners7.36%
Ins Owner Change-3.87%
Market Cap1.69B
Analysts76
Price Target68 (25.93%)
Short Float %5.99%
Short Ratio5.34
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.46
Dividend Growth(5Y)0.43%
DP7.62%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-3.02%
Min EPS beat(2)-8.25%
Max EPS beat(2)2.2%
EPS beat(4)2
Avg EPS beat(4)-5%
Min EPS beat(4)-15.79%
Max EPS beat(4)2.2%
EPS beat(8)4
Avg EPS beat(8)1.13%
EPS beat(12)5
Avg EPS beat(12)1.54%
EPS beat(16)7
Avg EPS beat(16)2.68%
Revenue beat(2)0
Avg Revenue beat(2)-4.35%
Min Revenue beat(2)-8.63%
Max Revenue beat(2)-0.07%
Revenue beat(4)0
Avg Revenue beat(4)-3.69%
Min Revenue beat(4)-8.63%
Max Revenue beat(4)-0.07%
Revenue beat(8)3
Avg Revenue beat(8)1.4%
Revenue beat(12)6
Avg Revenue beat(12)2.58%
Revenue beat(16)10
Avg Revenue beat(16)7.64%
PT rev (1m)0.84%
PT rev (3m)9.89%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.13%
EPS NY rev (3m)-0.06%
Revenue NQ rev (1m)-1.52%
Revenue NQ rev (3m)-1.52%
Revenue NY rev (1m)1.54%
Revenue NY rev (3m)0.29%
Valuation
Industry RankSector Rank
PE 9.66
Fwd PE 8.63
P/S 2.29
P/FCF N/A
P/OCF N/A
P/B 0.94
P/tB 0.94
EV/EBITDA N/A
EPS(TTM)5.59
EY10.35%
EPS(NY)6.26
Fwd EY11.59%
FCF(TTM)-5.09
FCFYN/A
OCF(TTM)-3.4
OCFYN/A
SpS23.56
BVpS57.45
TBVpS57.34
PEG (NY)0.81
PEG (5Y)0.5
Profitability
Industry RankSector Rank
ROA 0.94%
ROE 11.18%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.27%
GM N/A
FCFM 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
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 0.16
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 164.74%
Cap/Sales 7.15%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC21.88%
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)-23.53%
EPS 3Y-15.21%
EPS 5Y19.23%
EPS Q2Q%-24.02%
EPS Next Y11.95%
EPS Next 2Y14.98%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-5.7%
Revenue growth 3Y-2.15%
Revenue growth 5Y17.99%
Sales Q2Q%-16.93%
Revenue Next Year9.79%
Revenue Next 2Y9.75%
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 1Y-60.51%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-102.5%
OCF growth 3YN/A
OCF growth 5YN/A