CUBI Customers Bancorp Inc

Price (delayed)

$49.02

Market cap

$1.54B

P/E Ratio

6.54

Dividend/share

N/A

EPS

$7.49

Enterprise value

-$793.68M

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
Customers Bancorp's equity has increased by 17% YoY and by 4.9% from the previous quarter
The company's EPS rose by 16% QoQ and by 12% YoY
The company's debt rose by 37% YoY but it fell by 18% QoQ
The P/E is 21% above the last 4 quarters average of 5.4 but 2.4% below the 5-year quarterly average of 6.7

Key stats

What are the main financial stats of CUBI
Market
Shares outstanding
31.48M
Market cap
$1.54B
Enterprise value
-$793.68M
Valuations
Price to book (P/B)
0.94
Price to sales (P/S)
2.25
EV/EBIT
-2.4
EV/EBITDA
-2.19
EV/Sales
-1.16
Earnings
Revenue
$683.4M
EBIT
$330.74M
EBITDA
$362.55M
Free cash flow
$86M
Per share
EPS
$7.49
Free cash flow per share
$2.74
Book value per share
$52.15
Revenue per share
$21.75
TBVPS
$678.45
Balance sheet
Total assets
$21.32B
Total liabilities
$19.68B
Debt
$1.51B
Equity
$1.64B
Working capital
N/A
Liquidity
Debt to equity
0.92
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-6.45
Margins
EBITDA margin
53.1%
Gross margin
95.6%
Net margin
36.6%
Operating margin
48.4%
Efficiency
Return on assets
1.1%
Return on equity
15.5%
Return on invested capital
1.6%
Return on capital employed
N/A
Return on sales
48.4%
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
-1.76%
1 week
-2.8%
1 month
-6.18%
1 year
180.27%
YTD
-14.93%
QTD
-7.61%

Financial performance

How have Customers Bancorp's revenue and profit performed over time
Revenue
$683.4M
Gross profit
$653.51M
Operating income
$330.74M
Net income
$250.14M
Gross margin
95.6%
Net margin
36.6%
The operating income has increased by 17% since the previous quarter and by 14% year-on-year
The net income is up by 15% since the previous quarter and by 10% year-on-year
CUBI's revenue is up by 15% year-on-year and by 10% since the previous quarter
The company's gross profit rose by 14% YoY and by 11% QoQ

Growth

What is Customers Bancorp's growth rate over time

Valuation

What is Customers Bancorp stock price valuation
P/E
6.54
P/B
0.94
P/S
2.25
EV/EBIT
-2.4
EV/EBITDA
-2.19
EV/Sales
-1.16
The P/E is 21% above the last 4 quarters average of 5.4 but 2.4% below the 5-year quarterly average of 6.7
The company's EPS rose by 16% QoQ and by 12% YoY
CUBI's P/B is 34% above its last 4 quarters average of 0.7 and 18% above its 5-year quarterly average of 0.8
Customers Bancorp's equity has increased by 17% YoY and by 4.9% from the previous quarter
CUBI's price to sales (P/S) is 25% more than its 5-year quarterly average of 1.8 and 25% more than its last 4 quarters average of 1.8
CUBI's revenue is up by 15% year-on-year and by 10% since the previous quarter

Efficiency

How efficient is Customers Bancorp business performance
CUBI's ROIC is up by 23% from the previous quarter and by 14% YoY
The ROA has grown by 22% from the previous quarter
The ROE has increased by 12% QoQ
The company's return on sales rose by 6% 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 8% greater than its total liabilities
The total liabilities has declined by 3% since the previous quarter
CUBI's total assets is down by 2.5% since the previous quarter but it is up by 2% year-on-year
The company's debt is 8% lower than its equity
The company's debt rose by 37% YoY but it fell by 18% QoQ
Customers Bancorp's debt to equity has decreased by 22% from the previous quarter but it has increased by 16% YoY

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