Fundamental Analysis of CUSTOMERS BANCORP INC(NYSE:CUBI) stock

Fundamental Rating

CUBI gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 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 is not valued too expensively and it also shows a decent growth rate.

Quickly go to:

1. Profitability

1.1 Basic Checks

CUBI had positive earnings in the past year.

CUBI had a positive operating cash flow in the past year.

Each year in the past 5 years CUBI has been profitable.

CUBI had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

The Return On Assets of CUBI (1.15%) is better than 77.56% of its industry peers.

CUBI has a Return On Equity of 13.82%. This is amongst the best in the industry. CUBI outperforms 88.78% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.15%
ROE	13.82%
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

The Profit Margin of CUBI (30.60%) is better than 83.29% of its industry peers.

CUBI's Profit Margin has improved in the last couple of years.

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)	30.6%
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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

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.

The debt/assets ratio for CUBI has been reduced compared to a year ago.

2.2 Solvency

CUBI has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.

CUBI has a Debt to Equity ratio (0.18) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0.18
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC21.96%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

The earnings per share for CUBI have decreased by -4.29% in the last year.

The Earnings Per Share has been growing by 24.85% on average over the past years. This is a very strong growth

The Revenue has been growing slightly by 4.13% in the past year.

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

CUBI is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.26% yearly.

CUBI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.22% yearly.

EPS Next Y-20.6%

EPS Next 2Y-7.05%

EPS Next 3Y0.26%

EPS Next 5YN/A

Revenue Next Year-7.5%

Revenue Next 2Y-0.13%

Revenue Next 3Y3.22%

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.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 9.18 indicates a reasonable valuation of CUBI.

Based on the Price/Earnings ratio, CUBI is valued cheaply inside the industry as 89.03% of the companies are valued more expensively.

When comparing the Price/Earnings ratio of CUBI to the average of the S&P500 Index (28.96), we can say CUBI is valued rather cheaply.

CUBI is valuated reasonably with a Price/Forward Earnings ratio of 8.75.

Based on the Price/Forward Earnings ratio, CUBI is valued cheaply inside the industry as 88.78% of the companies are valued more expensively.

When comparing the Price/Forward Earnings ratio of CUBI to the average of the S&P500 Index (23.82), we can say CUBI is valued rather cheaply.

		Industry Rank	Sector Rank
PE	9.18
Fwd PE	8.75

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)0.37

EPS Next 2Y-7.05%

EPS Next 3Y0.26%

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

No dividends for CUBI!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

More info and screens

Find the best dividend stocks

Show peers with best dividend

CUSTOMERS BANCORP INC

NYSE:CUBI (11/21/2024, 8:21:31 PM)

After market: 55.28 0 (0%)

55.28

+1.37 (+2.54%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)

Earnings (Next)

Inst Owners

Inst Owner Change

Ins Owners

Ins Owner Change

Market Cap1.73B

Analysts

Price Target

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Dividend Growth(5Y)

Div Incr Years

Div Non Decr Years

Ex-Date

Surprises & Revisions

EPS beat(2)

Avg EPS beat(2)

Min EPS beat(2)

Max EPS beat(2)

EPS beat(4)

Avg EPS beat(4)

Min EPS beat(4)

Max EPS beat(4)

EPS beat(8)

Avg EPS beat(8)

EPS beat(12)

Avg EPS beat(12)

EPS beat(16)

Avg EPS beat(16)

Revenue beat(2)

Avg Revenue beat(2)

Min Revenue beat(2)

Max Revenue beat(2)

Revenue beat(4)

Avg Revenue beat(4)

Min Revenue beat(4)

Max Revenue beat(4)

Revenue beat(8)

Avg Revenue beat(8)

Revenue beat(12)

Avg Revenue beat(12)

Revenue beat(16)

Avg Revenue beat(16)

PT rev (1m)

PT rev (3m)

EPS NQ rev (1m)

EPS NQ rev (3m)

EPS NY rev (1m)

EPS NY rev (3m)

Revenue NQ rev (1m)

Revenue NQ rev (3m)

Revenue NY rev (1m)

Revenue NY rev (3m)

Valuation

		Industry Rank	Sector Rank
PE	9.18
Fwd PE	8.75
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA

EPS(TTM)

EPS(NY)

Fwd EY

FCF(TTM)

FCFY

OCF(TTM)

OCFY

SpS

BVpS

TBVpS

PEG (NY)N/A

PEG (5Y)0.37

Profitability

		Industry Rank	Sector Rank
ROA	1.15%
ROE	13.82%
ROCE
ROIC
ROICexc
ROICexgc
OM	N/A
PM (TTM)	30.6%
GM	N/A
FCFM

ROA(3y)

ROA(5y)

ROE(3y)

ROE(5y)

ROIC(3y)

ROIC(5y)

ROICexc(3y)

ROICexc(5y)

ROICexgc(3y)

ROICexgc(5y)

ROCE(3y)

ROCE(5y)

ROICexcg growth 3Y

ROICexcg growth 5Y

ROICexc growth 3Y

ROICexc growth 5Y

OM growth 3Y

OM growth 5Y

PM growth 3Y

PM growth 5Y

GM growth 3Y

GM growth 5Y

F-Score

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.18
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z

F-Score

WACC

ROIC/WACC

Cap/Depr(3y)

Cap/Depr(5y)

Cap/Sales(3y)

Cap/Sales(5y)

Profit Quality(3y)

Profit Quality(5y)

High Growth Momentum

Growth

EPS 1Y (TTM)-4.29%

EPS 3Y22.57%

EPS 5Y

EPS Q2Q%

EPS Next Y-20.6%

EPS Next 2Y

EPS Next 3Y

EPS Next 5Y

Revenue 1Y (TTM)4.13%

Revenue growth 3Y17.48%

Revenue growth 5Y

Sales Q2Q%

Revenue Next Year

Revenue Next 2Y

Revenue Next 3Y

Revenue Next 5Y

EBIT growth 1Y

EBIT growth 3Y

EBIT growth 5Y

EBIT Next Year

EBIT Next 3Y

EBIT Next 5Y

FCF growth 1Y

FCF growth 3Y

FCF growth 5Y

OCF growth 1Y

OCF growth 3Y

OCF growth 5Y

CUSTOMERS BANCORP INC (CUBI)

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

More info and screens