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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash to Debt 0.19
CUBI's Cash to Debt is ranked lower than
85% of the 980 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.53 vs. CUBI: 0.19 )
Ranked among companies with meaningful Cash to Debt only.
CUBI' s 10-Year Cash to Debt Range
Min: 0.18  Med: 0.40 Max: N/A
Current: 0.19
Equity to Asset 0.06
CUBI's Equity to Asset is ranked lower than
90% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CUBI: 0.06 )
Ranked among companies with meaningful Equity to Asset only.
CUBI' s 10-Year Equity to Asset Range
Min: 0.06  Med: 0.08 Max: 0.1
Current: 0.06
0.06
0.1
Interest Coverage 1.65
CUBI's Interest Coverage is ranked higher than
50% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. CUBI: 1.65 )
Ranked among companies with meaningful Interest Coverage only.
CUBI' s 10-Year Interest Coverage Range
Min: 0.26  Med: 1.66 Max: 2.47
Current: 1.65
0.26
2.47
F-Score: 2
WACC vs ROIC
2.11%
2.93%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 38.25
CUBI's Operating margin (%) is ranked higher than
69% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.01 vs. CUBI: 38.25 )
Ranked among companies with meaningful Operating margin (%) only.
CUBI' s 10-Year Operating margin (%) Range
Min: 11.24  Med: 35.80 Max: 43.77
Current: 38.25
11.24
43.77
Net-margin (%) 25.53
CUBI's Net-margin (%) is ranked higher than
63% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.75 vs. CUBI: 25.53 )
Ranked among companies with meaningful Net-margin (%) only.
CUBI' s 10-Year Net-margin (%) Range
Min: 7.73  Med: 24.41 Max: 36.5
Current: 25.53
7.73
36.5
ROE (%) 11.45
CUBI's ROE (%) is ranked higher than
71% of the 1407 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. CUBI: 11.45 )
Ranked among companies with meaningful ROE (%) only.
CUBI' s 10-Year ROE (%) Range
Min: 5.4  Med: 10.20 Max: 11.42
Current: 11.45
5.4
11.42
ROA (%) 0.79
CUBI's ROA (%) is ranked lower than
54% of the 1416 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. CUBI: 0.79 )
Ranked among companies with meaningful ROA (%) only.
CUBI' s 10-Year ROA (%) Range
Min: 0.39  Med: 0.84 Max: 0.9
Current: 0.79
0.39
0.9
» CUBI's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2014

CUBI Guru Trades in Q2 2014

RS Investment Management 723,246 sh (-9.27%)
Jim Simons 84,839 sh (-41.51%)
» More
Q3 2014

CUBI Guru Trades in Q3 2014

RS Investment Management 821,545 sh (+13.59%)
Jim Simons 76,220 sh (-10.16%)
» More
Q4 2014

CUBI Guru Trades in Q4 2014

Scott Black 39,368 sh (New)
RS Investment Management 890,343 sh (+8.37%)
Jim Simons 51,120 sh (-32.93%)
» More
Q1 2015

CUBI Guru Trades in Q1 2015

Scott Black 90,821 sh (+130.70%)
Jim Simons 78,620 sh (+53.79%)
RS Investment Management Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with CUBI

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of Customers Bancorp Inc

SymbolPriceYieldDescription
CUBIPRC25.990.00Pfd Shs Series -C-

Ratios

vs
industry
vs
history
P/E(ttm) 14.37
CUBI's P/E(ttm) is ranked lower than
52% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.20 vs. CUBI: 14.37 )
Ranked among companies with meaningful P/E(ttm) only.
CUBI' s 10-Year P/E(ttm) Range
Min: 7.81  Med: 12.54 Max: 16.65
Current: 14.37
7.81
16.65
Forward P/E 12.09
CUBI's Forward P/E is ranked higher than
51% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.18 vs. CUBI: 12.09 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.40
CUBI's PE(NRI) is ranked lower than
52% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.20 vs. CUBI: 14.40 )
Ranked among companies with meaningful PE(NRI) only.
CUBI' s 10-Year PE(NRI) Range
Min: 7.82  Med: 12.57 Max: 16.71
Current: 14.4
7.82
16.71
P/B 1.47
CUBI's P/B is ranked lower than
74% of the 1359 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CUBI: 1.47 )
Ranked among companies with meaningful P/B only.
CUBI' s 10-Year P/B Range
Min: 0.72  Med: 1.13 Max: 1.7
Current: 1.47
0.72
1.7
P/S 3.67
CUBI's P/S is ranked lower than
65% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. CUBI: 3.67 )
Ranked among companies with meaningful P/S only.
CUBI' s 10-Year P/S Range
Min: 1.65  Med: 3.06 Max: 4.24
Current: 3.67
1.65
4.24
EV-to-EBIT 28.36
CUBI's EV-to-EBIT is ranked lower than
82% of the 1271 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.91 vs. CUBI: 28.36 )
Ranked among companies with meaningful EV-to-EBIT only.
CUBI' s 10-Year EV-to-EBIT Range
Min: 2.1  Med: 20.60 Max: 35.2
Current: 28.36
2.1
35.2
Days Sales Outstanding 36.36
CUBI's Days Sales Outstanding is ranked lower than
54% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 33.80 vs. CUBI: 36.36 )
Ranked among companies with meaningful Days Sales Outstanding only.
CUBI' s 10-Year Days Sales Outstanding Range
Min: 36.13  Med: 98.41 Max: 201.81
Current: 36.36
36.13
201.81

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.48
CUBI's Price/Tangible Book is ranked lower than
67% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. CUBI: 1.48 )
Ranked among companies with meaningful Price/Tangible Book only.
CUBI' s 10-Year Price/Tangible Book Range
Min: 0.76  Med: 1.11 Max: 1.44
Current: 1.48
0.76
1.44
Price/Median PS Value 1.20
CUBI's Price/Median PS Value is ranked lower than
66% of the 1195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. CUBI: 1.20 )
Ranked among companies with meaningful Price/Median PS Value only.
CUBI' s 10-Year Price/Median PS Value Range
Min: 0.58  Med: 0.97 Max: 1.23
Current: 1.2
0.58
1.23
Price/Graham Number 0.95
CUBI's Price/Graham Number is ranked lower than
61% of the 1086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. CUBI: 0.95 )
Ranked among companies with meaningful Price/Graham Number only.
CUBI' s 10-Year Price/Graham Number Range
Min: 0.52  Med: 0.79 Max: 0.93
Current: 0.95
0.52
0.93
Earnings Yield (Greenblatt) (%) 3.50
CUBI's Earnings Yield (Greenblatt) (%) is ranked lower than
74% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. CUBI: 3.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CUBI' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 2.8  Med: 4.90 Max: 48.6
Current: 3.5
2.8
48.6

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
Customers Bancorp Inc Was incorporated in Pennsylvania in April 2010. The Company provides financial products and services to small businesses, not-for-profits, and consumers through its branches and offices in Southeastern Pennsylvania, Rye and New York, New York, Hamilton, New Jersey, Providence, Rhode Island and Boston, Massachusetts. The Company also provides liquidity to the mortgage market nationwide through the operation of its loans to mortgage banking companies business. It also offers traditional depository products, including commercial and consumer checking accounts, non-interest-bearing demand accounts, money market deposit accounts, savings accounts and time deposit accounts and cash management services. The Company'scompetitors include other commercial banks, savings banks, savings and loan associations, insurance companies, securities brokerage firms, credit unions, finance companies, mutual funds, money market funds, and certain government agencies.
» More Articles for CUBI

Headlines

Articles On GuruFocus.com
Weekly CEO Buys Highlight: HES, GDOT, BH, CUBI, OPK Feb 09 2015 
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Weekly CEO Buys Highlight: MOSY, PMT, APA, CUBI, OFIX May 26 2013 

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