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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 0.22
CUBI's Cash to Debt is ranked lower than
86% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.02 vs. CUBI: 0.22 )
Ranked among companies with meaningful Cash to Debt only.
CUBI' s Cash to Debt Range Over the Past 10 Years
Min: 0.14  Med: 0.31 Max: N/A
Current: 0.22
Equity to Asset 0.08
CUBI's Equity to Asset is ranked lower than
78% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CUBI: 0.08 )
Ranked among companies with meaningful Equity to Asset only.
CUBI' s Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.07 Max: 0.1
Current: 0.08
0.06
0.1
Interest Coverage 1.78
CUBI's Interest Coverage is ranked higher than
52% of the 1533 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. CUBI: 1.78 )
Ranked among companies with meaningful Interest Coverage only.
CUBI' s Interest Coverage Range Over the Past 10 Years
Min: 0.26  Med: 1.66 Max: 2.47
Current: 1.78
0.26
2.47
F-Score: 4
WACC vs ROIC
3.87%
3.86%
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 (%) 41.68
CUBI's Operating margin (%) is ranked higher than
73% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.98 vs. CUBI: 41.68 )
Ranked among companies with meaningful Operating margin (%) only.
CUBI' s Operating margin (%) Range Over the Past 10 Years
Min: 11.68  Med: 37.66 Max: 43.77
Current: 41.68
11.68
43.77
Net-margin (%) 26.29
CUBI's Net-margin (%) is ranked higher than
62% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.46 vs. CUBI: 26.29 )
Ranked among companies with meaningful Net-margin (%) only.
CUBI' s Net-margin (%) Range Over the Past 10 Years
Min: 8.03  Med: 25.12 Max: 36.5
Current: 26.29
8.03
36.5
ROE (%) 10.94
CUBI's ROE (%) is ranked higher than
67% of the 1623 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.57 vs. CUBI: 10.94 )
Ranked among companies with meaningful ROE (%) only.
CUBI' s ROE (%) Range Over the Past 10 Years
Min: 5.4  Med: 10.42 Max: 11.42
Current: 10.94
5.4
11.42
ROA (%) 0.86
CUBI's ROA (%) is ranked lower than
53% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. CUBI: 0.86 )
Ranked among companies with meaningful ROA (%) only.
CUBI' s ROA (%) Range Over the Past 10 Years
Min: 0.39  Med: 0.79 Max: 0.9
Current: 0.86
0.39
0.9
Revenue Growth (3Y)(%) 5.40
CUBI's Revenue Growth (3Y)(%) is ranked higher than
60% of the 1346 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. CUBI: 5.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CUBI' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -18.1  Med: 5.4 Max: 12.6
Current: 5.4
-18.1
12.6
EBITDA Growth (3Y)(%) 8.70
CUBI's EBITDA Growth (3Y)(%) is ranked higher than
59% of the 1235 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. CUBI: 8.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CUBI' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -19.9  Med: 8.7 Max: 55.3
Current: 8.7
-19.9
55.3
EPS Growth (3Y)(%) 7.70
CUBI's EPS Growth (3Y)(%) is ranked higher than
51% of the 1209 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CUBI: 7.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CUBI' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -27.1  Med: 7.7 Max: 63.4
Current: 7.7
-27.1
63.4
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


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

» Details

Guru Trades

Q4 2015

CUBI Guru Trades in Q4 2015

Paul Tudor Jones 28,200 sh (New)
Jim Simons 214,200 sh (+101.51%)
Scott Black 68,904 sh (-6.39%)
» More
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
» 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
CUBIPRC26.275.00Pfd Shs Series -C-
CUBIPRD26.003.92Perp Pfd Shs Series -D-
CUBIPRE26.003.89E
CUBIPRF25.191.47F

Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6029
Compare:NAS:CFNL, NAS:SYBT, NAS:PPBI, NAS:SBSI, NAS:CHCO, NAS:STBZ, NAS:BRKL, NAS:LKFN, NAS:HAFC, NAS:OPB, NAS:SASR, NYSE:CPF, NAS:IBTX, NAS:BUSE, NAS:WASH, NAS:NFBK, NAS:LBAI, NAS:SRCE, NYSE:FCF, NAS:HTLF » 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
P/E(ttm) 14.31
CUBI's P/E(ttm) is ranked higher than
50% of the 1493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.26 vs. CUBI: 14.31 )
Ranked among companies with meaningful P/E(ttm) only.
CUBI' s P/E(ttm) Range Over the Past 10 Years
Min: 7.91  Med: 12.56 Max: 16.76
Current: 14.31
7.91
16.76
Forward P/E 14.93
CUBI's Forward P/E is ranked higher than
54% of the 366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.41 vs. CUBI: 14.93 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.31
CUBI's PE(NRI) is ranked higher than
50% of the 1490 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. CUBI: 14.31 )
Ranked among companies with meaningful PE(NRI) only.
CUBI' s PE(NRI) Range Over the Past 10 Years
Min: 7.92  Med: 12.54 Max: 16.76
Current: 14.31
7.92
16.76
Price/Owner Earnings (ttm) 10.55
CUBI's Price/Owner Earnings (ttm) is ranked higher than
64% of the 881 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.64 vs. CUBI: 10.55 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
CUBI' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 7.57  Med: 17.83 Max: 29.47
Current: 10.55
7.57
29.47
P/B 1.65
CUBI's P/B is ranked lower than
75% of the 1607 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. CUBI: 1.65 )
Ranked among companies with meaningful P/B only.
CUBI' s P/B Range Over the Past 10 Years
Min: 0.72  Med: 1.23 Max: 1.75
Current: 1.65
0.72
1.75
P/S 3.43
CUBI's P/S is ranked lower than
51% of the 1587 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.37 vs. CUBI: 3.43 )
Ranked among companies with meaningful P/S only.
CUBI' s P/S Range Over the Past 10 Years
Min: 1.64  Med: 3.02 Max: 4.16
Current: 3.43
1.64
4.16
EV-to-EBIT 18.25
CUBI's EV-to-EBIT is ranked lower than
68% of the 1216 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.39 vs. CUBI: 18.25 )
Ranked among companies with meaningful EV-to-EBIT only.
CUBI' s EV-to-EBIT Range Over the Past 10 Years
Min: 2.1  Med: 20 Max: 35.2
Current: 18.25
2.1
35.2
EV-to-EBITDA 18.25
CUBI's EV-to-EBITDA is ranked lower than
73% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.20 vs. CUBI: 18.25 )
Ranked among companies with meaningful EV-to-EBITDA only.
CUBI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 1.9  Med: 19.45 Max: 33
Current: 18.25
1.9
33
PEG 1.88
CUBI's PEG is ranked lower than
64% of the 755 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.32 vs. CUBI: 1.88 )
Ranked among companies with meaningful PEG only.
CUBI' s PEG Range Over the Past 10 Years
Min: 0.63  Med: 0.71 Max: 1.88
Current: 1.88
0.63
1.88

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -13.40
CUBI's 3-Year Average Share Buyback Ratio is ranked lower than
81% of the 1049 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. CUBI: -13.40 )
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: -33.1 Max: -13.4
Current: -13.4
-55.5
-13.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.70
CUBI's Price/Tangible Book is ranked lower than
69% of the 1600 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. CUBI: 1.70 )
Ranked among companies with meaningful Price/Tangible Book only.
CUBI' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.76  Med: 1.24 Max: 1.7
Current: 1.7
0.76
1.7
Price/Median PS Value 1.13
CUBI's Price/Median PS Value is ranked higher than
50% of the 1463 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. CUBI: 1.13 )
Ranked among companies with meaningful Price/Median PS Value only.
CUBI' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.58  Med: 0.96 Max: 1.25
Current: 1.13
0.58
1.25
Price/Peter Lynch Fair Value 0.89
CUBI's Price/Peter Lynch Fair Value is ranked higher than
65% of the 402 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. CUBI: 0.89 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
CUBI' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.65  Med: 0.65 Max: 0.89
Current: 0.89
0.65
0.89
Price/Graham Number 1.04
CUBI's Price/Graham Number is ranked lower than
57% of the 1404 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. CUBI: 1.04 )
Ranked among companies with meaningful Price/Graham Number only.
CUBI' s Price/Graham Number Range Over the Past 10 Years
Min: 0.54  Med: 0.8 Max: 1.04
Current: 1.04
0.54
1.04
Earnings Yield (Greenblatt) (%) 5.50
CUBI's Earnings Yield (Greenblatt) (%) is ranked lower than
52% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. CUBI: 5.50 )
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 Max: 48.6
Current: 5.5
2.8
48.6
Forward Rate of Return (Yacktman) (%) -45.15
CUBI's Forward Rate of Return (Yacktman) (%) is ranked lower than
97% of the 872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.48 vs. CUBI: -45.15 )
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: -69.3  Med: -60.3 Max: -41.7
Current: -45.15
-69.3
-41.7

More Statistics

Revenue (TTM) (Mil) $289.5
EPS (TTM) $ 2.40
Beta0.64
Short Percentage of Float6.23%
52-Week Range $21.66 - 36.93
Shares Outstanding (Mil)29.96

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $)
EPS ($) 2.44 2.30 2.47
EPS w/o NRI ($) 2.44 2.30 2.47
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» More Articles for NYSE: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 

More From Other Websites
Customers Bancorp, Inc. to Host 2016 Full Year and Fourth Quarter Earnings Call on January 26, 2017 Jan 11 2017
CUSTOMERS BANCORP, INC. Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Dec 30 2016
Do Hedge Funds Love The Marcus Corporation (MCS)? Dec 12 2016
Customers Bancorp to pay $960K fine over Higher One's deceptive loan practices Dec 07 2016
Customers Bancorp, Inc. Achieves Market Capitalization of $1 Billion Dec 07 2016
CUSTOMERS BANCORP, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Dec 07 2016
Customers Bancorp (CUBI) Worth Watching: Stock Jumps 7.6% Dec 06 2016
Customers Bancorp, Inc. Targets 2018 Earnings Per Share of $3.00 as It Prepares to Cross $10 Billion... Nov 29 2016
November 17, 2016 Customers Bancorp, Inc. Declares Quarterly Cash Dividend on Its Series C, Series... Nov 17 2016
Customers Bancorp, Inc. Declares Quarterly Cash Dividend on Its Series C, Series D, Series E, and... Nov 17 2016
CUSTOMERS BANCORP, INC. Financials Nov 17 2016
Bank raises $58M as it continues prep for increased regulatory oversight Nov 10 2016
CUSTOMERS BANCORP, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Nov 09 2016
November 9, 2016 Customers Bancorp Announces Closing of Public Offering of Common Stock Nov 09 2016
Customers Bancorp Announces Closing of Public Offering of Common Stock Nov 09 2016
CUSTOMERS BANCORP, INC. Files SEC form 10-Q, Quarterly Report Nov 07 2016
Customers Bancorp, Inc. breached its 50 day moving average in a Bearish Manner : CUBI-US : November... Nov 07 2016
CUSTOMERS BANCORP, INC. Files SEC form 8-K, Entry into a Material Definitive Agreement, Other... Nov 04 2016
November 4, 2016 Customers Bancorp Announces Pricing of Public Offering of Common Stock Nov 04 2016
Customers Bancorp Announces Pricing of Public Offering of Common Stock Nov 04 2016

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