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CUBI Customers Bancorp Inc

Price (delayed)

$63.47

Market cap

$2B

P/E Ratio

15.41

Dividend/share

N/A

EPS

$4.12

Enterprise value

-$8.67M

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 10% YoY
The company's debt fell by 6% YoY
The P/E is 157% above the 5-year quarterly average of 6.0 and 77% above the last 4 quarters average of 8.7
The company's EPS fell by 44% YoY and by 22% QoQ

Key stats

What are the main financial stats of CUBI
Market
Shares outstanding
31.59M
Market cap
$2B
Enterprise value
-$8.67M
Valuations
Price to earnings (P/E)
15.41
Price to book (P/B)
1.07
Price to sales (P/S)
3.38
EV/EBIT
-0.05
EV/EBITDA
-0.04
EV/Sales
-0.01
Earnings
Revenue
$591.5M
Gross profit
$558.46M
Operating income
$170.88M
Net income
$144.66M
EBIT
$170.88M
EBITDA
$211.83M
Free cash flow
$198.96M
Per share
EPS
$4.12
EPS diluted
$3.98
Free cash flow per share
$6.32
Book value per share
$59.25
Revenue per share
$18.8
TBVPS
$712.47
Balance sheet
Total assets
$22.42B
Total liabilities
$20.56B
Debt
$1.42B
Equity
$1.86B
Working capital
N/A
Liquidity
Debt to equity
0.76
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-9.51
Margins
EBITDA margin
35.8%
Gross margin
94.4%
Net margin
24.5%
Operating margin
28.9%
Efficiency
Return on assets
0.6%
Return on equity
7.2%
Return on invested capital
0.9%
Return on capital employed
N/A
Return on sales
28.9%
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
-0.63%
1 week
-3.76%
1 month
19.98%
1 year
13.44%
YTD
30.38%
QTD
8.05%

Financial performance

How have Customers Bancorp's revenue and profit performed over time
Revenue
$591.5M
Gross profit
$558.46M
Operating income
$170.88M
Net income
$144.66M
Gross margin
94.4%
Net margin
24.5%

CUBI financials

The operating income has declined by 48% year-on-year and by 24% since the previous quarter
The net income has declined by 41% year-on-year and by 20% since the previous quarter
The operating margin has declined by 38% year-on-year and by 17% since the previous quarter
The company's net margin fell by 30% YoY and by 13% QoQ

Price vs fundamentals

How does CUBI's price correlate with its fundamentals

CUBI Price vs fundamentals

CUBI Earnings waterfall

CUBI Price vs fair value

Growth

What is Customers Bancorp's growth rate over time

CUBI growth chart

Valuation

What is Customers Bancorp stock price valuation
P/E
15.41
P/B
1.07
P/S
3.38
EV/EBIT
-0.05
EV/EBITDA
-0.04
EV/Sales
-0.01

Valuation vs average

Price to earnings (P/E)

The P/E is 157% above the 5-year quarterly average of 6.0 and 77% above the last 4 quarters average of 8.7
The company's EPS fell by 44% YoY and by 22% QoQ

Price to book (P/B)

CUBI's P/B is 34% above its 5-year quarterly average of 0.8 and 34% above its last 4 quarters average of 0.8
Customers Bancorp's equity has increased by 10% YoY

Price to sales (P/S)

CUBI's price to sales (P/S) is 69% more than its 5-year quarterly average of 2.0 and 47% more than its last 4 quarters average of 2.3
CUBI's revenue is down by 15% year-on-year and by 8% since the previous quarter

Efficiency

How efficient is Customers Bancorp business performance
The ROE has shrunk by 51% YoY and by 23% QoQ
The ROA has contracted by 45% YoY and by 25% from the previous quarter
CUBI's ROIC is down by 44% YoY and by 18% from the previous quarter
The company's return on sales fell by 38% YoY and by 17% 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

Assets vs liabilities

CUBI's total assets is 9% greater than its total liabilities
CUBI's total assets is up by 5% year-on-year
The total liabilities has increased by 4.6% year-on-year

Debt vs equity

The company's debt is 24% lower than its equity
Customers Bancorp's debt to equity has decreased by 15% YoY
Customers Bancorp's equity has increased by 10% YoY

Balance sheet

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