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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.23
CUBI's Cash-to-Debt is ranked lower than
86% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.97 vs. CUBI: 0.23 )
Ranked among companies with meaningful Cash-to-Debt only.
CUBI' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.15  Med: 0.23 Max: N/A
Current: 0.23
Equity-to-Asset 0.09
CUBI's Equity-to-Asset is ranked lower than
68% of the 1496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CUBI: 0.09 )
Ranked among companies with meaningful Equity-to-Asset only.
CUBI' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.08 Max: 0.09
Current: 0.09
0.07
0.09
Interest Coverage 1.91
CUBI's Interest Coverage is ranked higher than
55% of the 1758 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. CUBI: 1.91 )
Ranked among companies with meaningful Interest Coverage only.
CUBI' s Interest Coverage Range Over the Past 10 Years
Min: 0.26  Med: 1.79 Max: 2.47
Current: 1.91
0.26
2.47
Piotroski F-Score: 3
WACC vs ROIC
4.89%
4.30%
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 : 7/10

vs
industry
vs
history
Operating Margin % 51.02
CUBI's Operating Margin % is ranked higher than
87% of the 1511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.68 vs. CUBI: 51.02 )
Ranked among companies with meaningful Operating Margin % only.
CUBI' s Operating Margin % Range Over the Past 10 Years
Min: 11.68  Med: 39.74 Max: 51.02
Current: 51.02
11.68
51.02
Net Margin % 28.86
CUBI's Net Margin % is ranked higher than
71% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.91 vs. CUBI: 28.86 )
Ranked among companies with meaningful Net Margin % only.
CUBI' s Net Margin % Range Over the Past 10 Years
Min: 8.03  Med: 25.83 Max: 36.5
Current: 28.86
8.03
36.5
ROE % 9.94
CUBI's ROE % is ranked higher than
65% of the 1509 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. CUBI: 9.94 )
Ranked among companies with meaningful ROE % only.
CUBI' s ROE % Range Over the Past 10 Years
Min: 5.4  Med: 10.2 Max: 11.42
Current: 9.94
5.4
11.42
ROA % 0.85
CUBI's ROA % is ranked lower than
52% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. CUBI: 0.85 )
Ranked among companies with meaningful ROA % only.
CUBI' s ROA % Range Over the Past 10 Years
Min: 0.39  Med: 0.84 Max: 0.9
Current: 0.85
0.39
0.9
3-Year Revenue Growth Rate 21.80
CUBI's 3-Year Revenue Growth Rate is ranked higher than
93% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.90 vs. CUBI: 21.80 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
CUBI' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -18.1  Med: 9 Max: 21.8
Current: 21.8
-18.1
21.8
3-Year EBITDA Growth Rate 29.70
CUBI's 3-Year EBITDA Growth Rate is ranked higher than
88% of the 1228 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. CUBI: 29.70 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
CUBI' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -19.9  Med: 20.55 Max: 56.9
Current: 29.7
-19.9
56.9
3-Year EPS without NRI Growth Rate 26.20
CUBI's 3-Year EPS without NRI Growth Rate is ranked higher than
84% of the 1184 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. CUBI: 26.20 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
CUBI' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -27.1  Med: 18.3 Max: 64.8
Current: 26.2
-27.1
64.8
GuruFocus has detected 3 Warning Signs with Customers Bancorp Inc $CUBI.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» CUBI's 10-Y Financials

Financials (Next Earnings Date: 2017-07-20 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

CUBI Guru Trades in Q1 2016

David Dreman 89 sh (New)
Scott Black 82,311 sh (+19.46%)
Jim Simons 191,600 sh (-10.55%)
Paul Tudor Jones 10,715 sh (-62.00%)
» More
Q2 2016

CUBI Guru Trades in Q2 2016

David Dreman 89 sh (unchged)
Paul Tudor Jones Sold Out
Scott Black 78,868 sh (-4.18%)
Jim Simons 78,300 sh (-59.13%)
» More
Q3 2016

CUBI Guru Trades in Q3 2016

David Dreman 89 sh (unchged)
Jim Simons Sold Out
Scott Black 77,625 sh (-1.58%)
» More
Q4 2016

CUBI Guru Trades in Q4 2016

Paul Tudor Jones 5,702 sh (New)
Jim Simons 146,620 sh (New)
David Dreman 89 sh (unchged)
Scott Black 57,023 sh (-26.54%)
» 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
CUBIPRC26.906.54Pfd Shs Series -C-
CUBIPRD26.505.38Perp Pfd Shs Series -D-
CUBIPRE26.505.36E
CUBIPRF25.772.89F

Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:SBCF, NAS:EFSC, NAS:SBSI, NAS:HAFC, NAS:CFNL, NYSE:CPF, NAS:SASR, NAS:SYBT, NAS:STBZ, NAS:CHCO, NAS:LBAI, NAS:NFBK, NAS:WASH, NYSE:BANC, NAS:PPBI, NYSE:NBHC, NAS:LKFN, NAS:BRKL, NAS:CTBI, NAS:TCBK » details
Customers Bancorp Inc provides financial products and services to small businesses, not-for-profits, and consumers. It also provides liquidity to the mortgage market nationwide through the operation of its loans to mortgage banking companies business.

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.

Ratios

vs
industry
vs
history
PE Ratio 13.16
CUBI's PE Ratio is ranked higher than
52% of the 1941 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. CUBI: 13.16 )
Ranked among companies with meaningful PE Ratio only.
CUBI' s PE Ratio Range Over the Past 10 Years
Min: 7.91  Med: 12.62 Max: 16.76
Current: 13.16
7.91
16.76
Forward PE Ratio 12.72
CUBI's Forward PE Ratio is ranked higher than
61% of the 526 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.33 vs. CUBI: 12.72 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 11.62
CUBI's PE Ratio without NRI is ranked higher than
64% of the 1635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. CUBI: 11.62 )
Ranked among companies with meaningful PE Ratio without NRI only.
CUBI' s PE Ratio without NRI Range Over the Past 10 Years
Min: 7.92  Med: 12.08 Max: 16.7
Current: 11.62
7.92
16.7
Price-to-Owner-Earnings 12.92
CUBI's Price-to-Owner-Earnings is ranked higher than
56% of the 905 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.04 vs. CUBI: 12.92 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CUBI' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 7.56  Med: 17.58 Max: 28.31
Current: 12.92
7.56
28.31
PB Ratio 1.43
CUBI's PB Ratio is ranked lower than
66% of the 1810 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. CUBI: 1.43 )
Ranked among companies with meaningful PB Ratio only.
CUBI' s PB Ratio Range Over the Past 10 Years
Min: 0.72  Med: 1.23 Max: 1.73
Current: 1.43
0.72
1.73
PS Ratio 3.25
CUBI's PS Ratio is ranked higher than
52% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.32 vs. CUBI: 3.25 )
Ranked among companies with meaningful PS Ratio only.
CUBI' s PS Ratio Range Over the Past 10 Years
Min: 1.64  Med: 3.04 Max: 4.16
Current: 3.25
1.64
4.16
EV-to-EBIT 14.06
CUBI's EV-to-EBIT is ranked lower than
62% of the 1558 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.64 vs. CUBI: 14.06 )
Ranked among companies with meaningful EV-to-EBIT only.
CUBI' s EV-to-EBIT Range Over the Past 10 Years
Min: 2.1  Med: 19.8 Max: 35.2
Current: 14.06
2.1
35.2
EV-to-EBITDA 14.06
CUBI's EV-to-EBITDA is ranked lower than
66% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.00 vs. CUBI: 14.06 )
Ranked among companies with meaningful EV-to-EBITDA only.
CUBI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 1.9  Med: 18.75 Max: 33
Current: 14.06
1.9
33
PEG Ratio 0.34
CUBI's PEG Ratio is ranked higher than
90% of the 780 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. CUBI: 0.34 )
Ranked among companies with meaningful PEG Ratio only.
CUBI' s PEG Ratio Range Over the Past 10 Years
Min: 0.34  Med: 0.54 Max: 0.68
Current: 0.34
0.34
0.68

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -4.40
CUBI's 3-Year Average Share Buyback Ratio is ranked lower than
64% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. CUBI: -4.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CUBI' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -55.5  Med: -23.25 Max: -4.4
Current: -4.4
-55.5
-4.4

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.46
CUBI's Price-to-Tangible-Book is ranked lower than
61% of the 1798 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. CUBI: 1.46 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CUBI' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.92  Med: 1.29 Max: 1.71
Current: 1.46
0.92
1.71
Price-to-Median-PS-Value 1.07
CUBI's Price-to-Median-PS-Value is ranked higher than
59% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. CUBI: 1.07 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CUBI' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.59  Med: 1.15 Max: 1.26
Current: 1.07
0.59
1.26
Price-to-Peter-Lynch-Fair-Value 0.47
CUBI's Price-to-Peter-Lynch-Fair-Value is ranked higher than
89% of the 533 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. CUBI: 0.47 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
CUBI' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.45  Med: 0.55 Max: 0.55
Current: 0.47
0.45
0.55
Price-to-Graham-Number 0.87
CUBI's Price-to-Graham-Number is ranked higher than
54% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. CUBI: 0.87 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CUBI' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.58  Med: 0.91 Max: 1.02
Current: 0.87
0.58
1.02
Earnings Yield (Greenblatt) % 7.09
CUBI's Earnings Yield (Greenblatt) % is ranked higher than
53% of the 2086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.41 vs. CUBI: 7.09 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CUBI' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 2.8  Med: 5.1 Max: 48.6
Current: 7.09
2.8
48.6
Forward Rate of Return (Yacktman) % -31.95
CUBI's Forward Rate of Return (Yacktman) % is ranked lower than
97% of the 891 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. CUBI: -31.95 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
CUBI' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -67.6  Med: -32.4 Max: -25.8
Current: -31.95
-67.6
-25.8

More Statistics

Revenue (TTM) (Mil) $272.7
EPS (TTM) $ 2.31
Beta0.62
Short Percentage of Float6.03%
52-Week Range $22.19 - 36.93
Shares Outstanding (Mil)30.47

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 2.43 2.78
EPS without NRI ($) 2.43 2.78
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)
» More Articles for CUBI

Headlines

Articles On GuruFocus.com
Weekly CEO Buys Highlight: HES, GDOT, BH, CUBI, OPK Feb 09 2015 
Largest Insider Buys of the Past Week Nov 26 2013 
Weekly CEO Buys Highlight: OPK, PACB, CUBI, ARCP, RLYP Nov 25 2013 
Weekly CEO Buys Highlight: MOSY, PMT, APA, CUBI, OFIX May 26 2013 

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