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CUSTOMERS BANCORP INC (CUBI) Stock Fundamental Analysis

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

56.98  -0.33 (-0.58%)

After market: 56.98 0 (0%)

Fundamental Rating

4

Overall CUBI gets a fundamental rating of 4 out of 10. We evaluated CUBI against 405 industry peers in the Banks industry. While CUBI is still in line with the averages on profitability rating, there are concerns on its financial health. CUBI has a correct valuation and a medium growth rate.


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.
Each year in the past 5 years CUBI has been profitable.
In multiple years CUBI reported negative operating cash flow during the last 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 better Return On Assets (0.94%) than 64.32% of its industry peers.
CUBI's Return On Equity of 11.18% is amongst the best of the industry. CUBI outperforms 81.41% 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

Looking at the Profit Margin, with a value of 27.27%, CUBI is in the better half of the industry, outperforming 73.87% 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 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.
The number of shares outstanding for CUBI has been reduced compared to 1 year ago.
Compared to 5 years ago, CUBI has more shares outstanding
The debt/assets ratio for CUBI has been reduced compared to a year ago.
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

A Debt/Equity ratio of 0.16 indicates that CUBI is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.16, CUBI is in the better half of the industry, outperforming 60.55% 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
WACC22%
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.
The Revenue has decreased by -5.70% in the past year.
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)-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

The Earnings Per Share is expected to grow by 15.08% on average over the next years. This is quite good.
Based on estimates for the next years, CUBI will show a quite strong growth in Revenue. The Revenue will grow by 9.46% on average per year.
EPS Next Y11.8%
EPS Next 2Y15.08%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.13%
Revenue Next 2Y9.46%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of 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

Based on the Price/Earnings ratio of 10.19, the valuation of CUBI can be described as reasonable.
83.67% of the companies in the same industry are more expensive than CUBI, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 28.46, CUBI is valued rather cheaply.
CUBI is valuated reasonably with a Price/Forward Earnings ratio of 9.12.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CUBI indicates a rather cheap valuation: CUBI is cheaper than 84.92% of the companies listed in the same industry.
CUBI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 92.56.
Industry RankSector Rank
PE 10.19
Fwd PE 9.12
CUBI Price Earnings VS Forward Price EarningsCUBI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

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

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 15.08% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.86
PEG (5Y)0.53
EPS Next 2Y15.08%
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 (1/31/2025, 8:23:12 PM)

After market: 56.98 0 (0%)

56.98

-0.33 (-0.58%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-23 2025-01-23/amc
Earnings (Next)N/A N/A
Inst Owners92.66%
Inst Owner Change-0.11%
Ins Owners7.51%
Ins Owner Change1.57%
Market Cap1.79B
Analysts76
Price Target67.43 (18.34%)
Short Float %6.54%
Short Ratio4.91
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)3.24%
PT rev (3m)-3.24%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-31.75%
EPS NY rev (1m)0%
EPS NY rev (3m)-9.78%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-10.45%
Revenue NY rev (1m)-0.03%
Revenue NY rev (3m)-7.11%
Valuation
Industry RankSector Rank
PE 10.19
Fwd PE 9.12
P/S 2.42
P/FCF N/A
P/OCF N/A
P/B 0.99
P/tB 0.99
EV/EBITDA N/A
EPS(TTM)5.59
EY9.81%
EPS(NY)6.25
Fwd EY10.97%
FCF(TTM)-5.09
FCFYN/A
OCF(TTM)-3.41
OCFYN/A
SpS23.57
BVpS57.47
TBVpS57.36
PEG (NY)0.86
PEG (5Y)0.53
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
WACC22%
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 Y11.8%
EPS Next 2Y15.08%
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 Year8.13%
Revenue Next 2Y9.46%
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