CUSTOMERS BANCORP INC (CUBI) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CUBI - US23204G1004 - Common Stock
72.98 USD
-0.03 (-0.04%)
73.2 USD
+0.22 (+0.3%)
Overall CUBI gets a fundamental rating of 4 out of 10. We evaluated CUBI against 385 industry peers in the Banks industry. Both the profitability and financial health of CUBI have multiple concerns. CUBI is valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
1.1 Basic Checks
CUBI had positive earnings in the past year.
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.
1.2 Ratios
CUBI's Return On Assets of 0.67% is on the low side compared to the rest of the industry. CUBI is outperformed by 68.83% of its industry peers.
The Return On Equity of CUBI (7.64%) is worse than 61.56% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.67% | ||
| ROE | 7.64% | ||
| 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
1.3 Margins
Looking at the Profit Margin, with a value of 21.68%, CUBI is doing worse than 60.78% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 21.68% | ||
| 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
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.
CUBI has more shares outstanding than it did 5 years ago.
CUBI has a better debt/assets ratio than last year.
2.2 Solvency
CUBI has a debt to FCF ratio of 0.75. This is a very positive value and a sign of high solvency as it would only need 0.75 years to pay back of all of its debts.
The Debt to FCF ratio of CUBI (0.75) is better than 73.25% of its industry peers.
CUBI has a Debt/Equity ratio of 0.13. This is a healthy value indicating a solid balance between debt and equity.
CUBI has a Debt to Equity ratio (0.13) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | 0.75 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.95%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 14.62% over the past year.
CUBI shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 19.23% yearly.
CUBI shows a small growth in Revenue. In the last year, the Revenue has grown by 1.38%.
The Revenue has been growing by 17.99% on average over the past years. This is quite good.
EPS 1Y (TTM)14.62%
EPS 3Y-15.21%
EPS 5Y19.23%
EPS Q2Q%64.18%
Revenue 1Y (TTM)1.38%
Revenue growth 3Y-2.15%
Revenue growth 5Y17.99%
Sales Q2Q%27.35%
3.2 Future
The Earnings Per Share is expected to grow by 17.06% on average over the next years. This is quite good.
The Revenue is expected to grow by 12.37% on average over the next years. This is quite good.
EPS Next Y34.71%
EPS Next 2Y19.34%
EPS Next 3Y17.06%
EPS Next 5YN/A
Revenue Next Year13.42%
Revenue Next 2Y10.12%
Revenue Next 3Y12.37%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 10.58, the valuation of CUBI can be described as reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of CUBI indicates a somewhat cheap valuation: CUBI is cheaper than 78.18% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.56. CUBI is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 9.17, the valuation of CUBI can be described as reasonable.
CUBI's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. CUBI is cheaper than 77.14% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.79. CUBI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.58 | ||
| Fwd PE | 9.17 |
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.67 | ||
| EV/EBITDA | N/A |
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 17.06% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.3
PEG (5Y)0.55
EPS Next 2Y19.34%
EPS Next 3Y17.06%
5. Dividend
5.1 Amount
No dividends for CUBI!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
72.98
-0.03 (-0.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners92.75%
Inst Owner Change8.8%
Ins Owners6.86%
Ins Owner Change1.58%
Market Cap2.49B
Revenue(TTM)748.80M
Net Income(TTM)162.36M
Analysts78.57
Price Target86.45 (18.46%)
Short Float %4.92%
Short Ratio5.6
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly Dividend0.48
Dividend Growth(5Y)1.33%
DP7.7%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)14.02%
Min EPS beat(2)11.83%
Max EPS beat(2)16.22%
EPS beat(4)4
Avg EPS beat(4)13.51%
Min EPS beat(4)9.97%
Max EPS beat(4)16.22%
EPS beat(8)6
Avg EPS beat(8)4.25%
EPS beat(12)8
Avg EPS beat(12)5.26%
EPS beat(16)9
Avg EPS beat(16)4.53%
Revenue beat(2)1
Avg Revenue beat(2)0.79%
Min Revenue beat(2)-1.21%
Max Revenue beat(2)2.79%
Revenue beat(4)1
Avg Revenue beat(4)-3.55%
Min Revenue beat(4)-11.11%
Max Revenue beat(4)2.79%
Revenue beat(8)1
Avg Revenue beat(8)-3.62%
Revenue beat(12)4
Avg Revenue beat(12)-0.25%
Revenue beat(16)7
Avg Revenue beat(16)1.05%
PT rev (1m)0.74%
PT rev (3m)9.66%
EPS NQ rev (1m)0.62%
EPS NQ rev (3m)2.33%
EPS NY rev (1m)3.29%
EPS NY rev (3m)5.01%
Revenue NQ rev (1m)0.38%
Revenue NQ rev (3m)1.55%
Revenue NY rev (1m)-0.33%
Revenue NY rev (3m)0.55%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.58 | ||
| Fwd PE | 9.17 | ||
| P/S | 3.33 | ||
| P/FCF | 6.67 | ||
| P/OCF | 4.92 | ||
| P/B | 1.17 | ||
| P/tB | 1.17 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.9
EY9.45%
EPS(NY)7.96
Fwd EY10.91%
FCF(TTM)10.93
FCFY14.98%
OCF(TTM)14.83
OCFY20.31%
SpS21.91
BVpS62.22
TBVpS62.11
PEG (NY)0.3
PEG (5Y)0.55
Graham Number98.28
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.67% | ||
| ROE | 7.64% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 21.68% | ||
| GM | N/A | ||
| FCFM | 49.9% |
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
ROICexgc growth 3YN/A
ROICexgc 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | 0.75 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 347.39% | ||
| Cap/Sales | 17.76% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 230.13% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC19.95%
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)14.62%
EPS 3Y-15.21%
EPS 5Y19.23%
EPS Q2Q%64.18%
EPS Next Y34.71%
EPS Next 2Y19.34%
EPS Next 3Y17.06%
EPS Next 5YN/A
Revenue 1Y (TTM)1.38%
Revenue growth 3Y-2.15%
Revenue growth 5Y17.99%
Sales Q2Q%27.35%
Revenue Next Year13.42%
Revenue Next 2Y10.12%
Revenue Next 3Y12.37%
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 1Y475.89%
FCF growth 3Y-30.51%
FCF growth 5Y23.32%
OCF growth 1Y1061.27%
OCF growth 3Y-18.81%
OCF growth 5Y13.21%
CUSTOMERS BANCORP INC / CUBI FAQ
Can you provide the ChartMill fundamental rating for CUSTOMERS BANCORP INC?
ChartMill assigns a fundamental rating of 4 / 10 to CUBI.
Can you provide the valuation status for CUSTOMERS BANCORP INC?
ChartMill assigns a valuation rating of 7 / 10 to CUSTOMERS BANCORP INC (CUBI). This can be considered as Undervalued.
How profitable is CUSTOMERS BANCORP INC (CUBI) stock?
CUSTOMERS BANCORP INC (CUBI) has a profitability rating of 2 / 10.
What is the valuation of CUSTOMERS BANCORP INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for CUSTOMERS BANCORP INC (CUBI) is 10.58 and the Price/Book (PB) ratio is 1.17.
Is the dividend of CUSTOMERS BANCORP INC sustainable?
The dividend rating of CUSTOMERS BANCORP INC (CUBI) is 0 / 10 and the dividend payout ratio is 7.7%.