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CUBI Customers Bancorp Inc
Price (delayed)
$47.71
Market cap
$1.5B
P/E Ratio
7.45
Dividend/share
N/A
EPS
$6.4
Enterprise value
-$193.65M
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 15% YoY and by 3.1% from the previous quarter
The company's debt fell by 24% YoY but it rose by 6% QoQ
The company's gross profit rose by 9% YoY but it fell by 7% QoQ
The P/E is 28% above the 5-year quarterly average of 5.8 and 4.9% above the last 4 quarters average of 7.1
The company's EPS fell by 17% QoQ
Key stats
What are the main financial stats of CUBI
Market
Valuations
Earnings
Shares outstanding
31.35M
Market cap
$1.5B
Enterprise value
-$193.65M
Price to book (P/B)
0.84
Price to sales (P/S)
2.25
EV/EBIT
-0.71
EV/EBITDA
-0.64
EV/Sales
-0.29
Revenue
$672.81M
Gross profit
$641.84M
Net income
$216.65M
EBIT
$272.4M
EBITDA
$304.45M
Free cash flow
-$144.98M
Per share
Balance sheet
Liquidity
EPS
$6.4
EPS diluted
$6.16
Free cash flow per share
-$4.57
Book value per share
$56.82
Revenue per share
$21.23
TBVPS
$676.78
Total assets
$21.46B
Total liabilities
$19.65B
Debt
$1.4B
Equity
$1.8B
Working capital
N/A
Debt to equity
0.78
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-5.55
Margins
Efficiency
Dividend
EBITDA margin
45.3%
Gross margin
95.4%
Net margin
32.2%
Operating margin
40.5%
Return on assets
0.9%
Return on equity
11.7%
Return on invested capital
1.4%
Return on capital employed
N/A
Return on sales
40.5%
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
1.55%
1 week
-10.84%
1 month
-11.5%
1 year
-14.45%
YTD
-17.2%
QTD
2.71%
Financial performance
How have Customers Bancorp's revenue and profit performed over time
Revenue
$672.81M
Gross profit
$641.84M
Operating income
$272.4M
Net income
$216.65M
Gross margin
95.4%
Net margin
32.2%
The operating income has declined by 19% since the previous quarter and by 3.6% year-on-year
The net income has declined by 16% since the previous quarter
The operating margin has declined by 13% since the previous quarter and by 11% year-on-year
The company's gross profit rose by 9% YoY but it fell by 7% QoQ
Growth
What is Customers Bancorp's growth rate over time
Valuation
What is Customers Bancorp stock price valuation
P/E
7.45
P/B
0.84
P/S
2.25
EV/EBIT
-0.71
EV/EBITDA
-0.64
EV/Sales
-0.29
The P/E is 28% above the 5-year quarterly average of 5.8 and 4.9% above the last 4 quarters average of 7.1
The company's EPS fell by 17% QoQ
Customers Bancorp's equity has increased by 15% YoY and by 3.1% from the previous quarter
CUBI's P/B is 7% below its last 4 quarters average of 0.9 but 5% above its 5-year quarterly average of 0.8
CUBI's price to sales (P/S) is 18% more than its 5-year quarterly average of 1.9 but 2.2% less than its last 4 quarters average of 2.3
CUBI's revenue is up by 9% year-on-year but it is down by 7% since the previous quarter
Efficiency
How efficient is Customers Bancorp business performance
The ROE has decreased by 19% QoQ and by 16% YoY
The ROA has contracted by 18% from the previous quarter
CUBI's ROIC is down by 18% from the previous quarter but it is up by 8% YoY
The company's return on sales fell by 13% QoQ and by 11% YoY
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 9% greater than its total liabilities
The total liabilities has declined by 3.2% year-on-year but it has increased by 2.4% since the previous quarter
CUBI's total assets is up by 2.5% since the previous quarter
The company's debt is 22% lower than its equity
Customers Bancorp's debt to equity has decreased by 34% YoY but it has increased by 2.6% from the previous quarter
The company's debt fell by 24% YoY but it rose by 6% QoQ
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.