CUSTOMERS BANCORP INC (CUBI)
US23204G1004 - Common Stock
Overall CUBI gets a fundamental rating of 3 out of 10. We evaluated CUBI against 406 industry peers in the Banks industry. CUBI has a medium profitability rating, but doesn't score so well on its financial health evaluation. CUBI is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year CUBI was profitable.
In the past year CUBI has reported a negative cash flow from operations.
Each year in the past 5 years CUBI has been profitable.
Of the past 5 years CUBI 4 years had a positive operating cash flow.
1.2 Ratios
CUBI's Return On Assets of 0.94% is fine compared to the rest of the industry. CUBI outperforms 65.10% of its industry peers.
CUBI's Return On Equity of 11.18% is amongst the best of the industry. CUBI outperforms 80.94% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.94% | ||
| ROE | 11.18% | ||
| 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
CUBI has a Profit Margin of 27.27%. This is in the better half of the industry: CUBI outperforms 74.26% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 27.27% | ||
| 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.
Compared to 1 year ago, CUBI has less shares outstanding
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
A Debt/Equity ratio of 0.16 indicates that CUBI is not too dependend on debt financing.
The Debt to Equity ratio of CUBI (0.16) is better than 60.89% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC22.91%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CUBI shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -4.29%.
The Earnings Per Share has been growing by 24.85% on average over the past years. This is a very strong growth
CUBI shows a small growth in Revenue. In the last year, the Revenue has grown by 4.13%.
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)-4.29%
EPS 3Y22.57%
EPS 5Y24.85%
EPS Q2Q%-48.06%
Revenue 1Y (TTM)4.13%
Revenue growth 3Y17.48%
Revenue growth 5Y19.06%
Sales Q2Q%-21.66%
3.2 Future
Based on estimates for the next years, CUBI will show a small growth in Earnings Per Share. The EPS will grow by 0.46% on average per year.
Based on estimates for the next years, CUBI will show a small growth in Revenue. The Revenue will grow by 3.57% on average per year.
EPS Next Y-20.6%
EPS Next 2Y-7.25%
EPS Next 3Y0.46%
EPS Next 5YN/A
Revenue Next Year-7.52%
Revenue Next 2Y-0.03%
Revenue Next 3Y3.57%
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 decreasing.
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
A Price/Earnings ratio of 7.93 indicates a rather cheap valuation of CUBI.
Compared to the rest of the industry, the Price/Earnings ratio of CUBI indicates a rather cheap valuation: CUBI is cheaper than 90.59% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.73. CUBI is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 7.59, the valuation of CUBI can be described as very cheap.
CUBI's Price/Forward Earnings ratio is rather cheap when compared to the industry. CUBI is cheaper than 90.84% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of CUBI to the average of the S&P500 Index (22.83), we can say CUBI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.93 | ||
| Fwd PE | 7.59 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.32
EPS Next 2Y-7.25%
EPS Next 3Y0.46%
5. Dividend
5.1 Amount
CUBI does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
CUSTOMERS BANCORP INC
NYSE:CUBI (12/20/2024, 8:04:24 PM)
After market: 48.6 +0.89 (+1.87%)47.71
+0.73 (+1.55%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners92.66%
Inst Owner Change-0.53%
Ins Owners7.51%
Ins Owner Change-4.44%
Market Cap1.50B
Analysts76
Price Target62.9 (31.84%)
Short Float %6.83%
Short Ratio5.34
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)-3.98%
PT rev (3m)-10.37%
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)-5.88%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.93 | ||
| Fwd PE | 7.59 | ||
| P/S | 2.02 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.83 | ||
| P/tB | 0.83 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.02
EY12.62%
EPS(NY)6.29
Fwd EY13.18%
FCF(TTM)-5.09
FCFYN/A
OCF(TTM)-3.41
OCFYN/A
SpS23.57
BVpS57.47
TBVpS57.36
PEG (NY)N/A
PEG (5Y)0.32
Profitability
| Industry Rank | Sector 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)1.23%
ROA(5y)0.98%
ROE(3y)17.3%
ROE(5y)13.74%
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 3Y7.01%
PM growth 5Y11.47%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
| Industry Rank | Sector 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-Score6
WACC22.91%
ROIC/WACCN/A
Cap/Depr(3y)232.82%
Cap/Depr(5y)241.65%
Cap/Sales(3y)9%
Cap/Sales(5y)9.84%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-4.29%
EPS 3Y22.57%
EPS 5Y24.85%
EPS Q2Q%-48.06%
EPS Next Y-20.6%
EPS Next 2Y-7.25%
EPS Next 3Y0.46%
EPS Next 5YN/A
Revenue 1Y (TTM)4.13%
Revenue growth 3Y17.48%
Revenue growth 5Y19.06%
Sales Q2Q%-21.66%
Revenue Next Year-7.52%
Revenue Next 2Y-0.03%
Revenue Next 3Y3.57%
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-183.45%
FCF growth 3Y-7.1%
FCF growth 5Y7.53%
OCF growth 1Y-136.24%
OCF growth 3Y-2.12%
OCF growth 5Y5.16%