CUBI Customers Bancorp Inc

  1. Stocks
  2. Financial Services
  3. NYSE: CUBI

Price (delayed)

$18.63

Market cap

$588.74M

P/E Ratio

2.78

Dividend/share

N/A

EPS

$6.69

Enterprise value

$1.24B

Customers Bank, a subsidiary of Customers Bancorp, Inc. a bank holding company, is a full-service super-community bank with assets of approximately $18.4 billion at December 31, 2020. A member of ...

Highlights
The P/E is 65% below the 5-year quarterly average of 8.4 and 24% below the last 4 quarters average of 3.9
The company's debt fell by 6% YoY and by 6% QoQ
The company's EPS fell by 28% YoY and by 25% QoQ
The net income has declined by 28% year-on-year and by 24% since the previous quarter
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.customersbank.com
Peers: NWFL STBA CZNC FRBK

Key stats

What are the main financial stats of CUBI
Market
Shares outstanding
31.6M
Market cap
$588.74M
Enterprise value
$1.24B
Valuations
Price to earnings (P/E)
2.78
Price to book (P/B)
0.43
Price to sales (P/S)
1.02
EV/EBIT
4.25
EV/EBITDA
3.89
EV/Sales
2.08
Earnings
Revenue
$595.93M
EBIT
$291.3M
EBITDA
$318.45M
Free cash flow
-$126.69M
Per share
EPS
$6.69
Free cash flow per share
-$3.9
Book value per share
$43.15
Revenue per share
$18.33
TBVPS
$642.54
Balance sheet
Total assets
$20.9B
Total liabilities
$19.49B
Debt
$1.11B
Equity
$1.4B
Working capital
N/A
Liquidity
Debt to equity
0.79
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
2.04
Margins
EBITDA margin
53.4%
Gross margin
96.1%
Net margin
38.3%
Operating margin
48.9%
Efficiency
Return on assets
1.1%
Return on equity
15.8%
Return on invested capital
1.4%
Return on capital employed
N/A
Return on sales
48.9%
Dividend
Dividend yield
N/A
DPS
N/A
Payout ratio
N/A

CUBI stock price

How has the Customers Bancorp stock price performed over time
Intraday
-5.77%
1 week
-7.04%
1 month
-39.24%
1 year
-67.54%
YTD
-34.26%
QTD
-34.26%

Financial performance

How have Customers Bancorp's revenue and profit performed over time
Revenue
$595.93M
Gross profit
$572.95M
Operating income
$291.3M
Net income
$228.03M
Gross margin
96.1%
Net margin
38.3%
The operating income has declined by 34% year-on-year and by 21% since the previous quarter
The net income has declined by 28% year-on-year and by 24% since the previous quarter
The company's gross profit fell by 20% YoY and by 13% QoQ
The operating margin has declined by 19% year-on-year and by 10% since the previous quarter

Growth

What is Customers Bancorp's growth rate over time

Valuation

What is Customers Bancorp stock price valuation
P/E
2.78
P/B
0.43
P/S
1.02
EV/EBIT
4.25
EV/EBITDA
3.89
EV/Sales
2.08
The P/E is 65% below the 5-year quarterly average of 8.4 and 24% below the last 4 quarters average of 3.9
The company's EPS fell by 28% YoY and by 25% QoQ
CUBI's P/B is 49% below its last 4 quarters average of 0.9 and 43% below its 5-year quarterly average of 0.8
Customers Bancorp's equity has increased by 2.7% YoY
CUBI's price to sales (P/S) is 46% less than its 5-year quarterly average of 2.0 and 36% less than its last 4 quarters average of 1.7
CUBI's revenue is down by 19% year-on-year and by 12% since the previous quarter

Efficiency

How efficient is Customers Bancorp business performance
The ROE has decreased by 33% YoY and by 26% QoQ
The ROA has contracted by 31% YoY and by 27% from the previous quarter
CUBI's ROIC is down by 26% YoY and by 22% from the previous quarter
The company's return on sales fell by 10% YoY and by 10% QoQ

Dividends

What is CUBI's dividend
DPS
N/A
Dividend yield
N/A
Payout ratio
N/A

There are no recent dividends present for CUBI.

Financial health

How did Customers Bancorp financials performed over time
CUBI's total assets is 7% greater than its total liabilities
CUBI's total assets is up by 7% year-on-year and by 2.6% since the previous quarter
The total liabilities has increased by 7% year-on-year and by 2.7% since the previous quarter
The company's debt is 21% lower than its equity
Customers Bancorp's debt to equity has decreased by 8% YoY and by 6% from the previous quarter
The company's debt fell by 6% YoY and by 6% QoQ

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.