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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 0.20
CUBI's Cash to Debt is ranked higher than
55% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.41 vs. CUBI: 0.20 )
CUBI' s 10-Year Cash to Debt Range
Min: 0.2   Max: 0.39
Current: 0.2

0.2
0.39
Equity to Asset 0.07
CUBI's Equity to Asset is ranked higher than
57% of the 2349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. CUBI: 0.07 )
CUBI' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.09
Current: 0.07

0.07
0.09
Interest Coverage 1.65
CUBI's Interest Coverage is ranked higher than
73% of the 2175 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. CUBI: 1.65 )
CUBI' s 10-Year Interest Coverage Range
Min: 0.26   Max: 2.07
Current: 1.65

0.26
2.07
Z-Score: 0.15
WACC vs ROIC
1.71%
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
84% of the 2377 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.48 vs. CUBI: 38.25 )
CUBI' s 10-Year Operating margin (%) Range
Min: 11.24   Max: 39.74
Current: 38.25

11.24
39.74
Net-margin (%) 25.53
CUBI's Net-margin (%) is ranked higher than
80% of the 2377 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.33 vs. CUBI: 25.53 )
CUBI' s 10-Year Net-margin (%) Range
Min: 7.73   Max: 25.83
Current: 25.53

7.73
25.83
ROE (%) 11.45
CUBI's ROE (%) is ranked higher than
85% of the 2380 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.85 vs. CUBI: 11.45 )
CUBI' s 10-Year ROE (%) Range
Min: 9.97   Max: 11.42
Current: 11.45

9.97
11.42
ROA (%) 0.79
CUBI's ROA (%) is ranked higher than
72% of the 2384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. CUBI: 0.79 )
CUBI' s 10-Year ROA (%) Range
Min: 0.79   Max: 0.9
Current: 0.79

0.79
0.9
ROC (Joel Greenblatt) (%) 663.81
CUBI's ROC (Joel Greenblatt) (%) is ranked higher than
96% of the 2346 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 86.24 vs. CUBI: 663.81 )
CUBI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 472.35   Max: 746.28
Current: 663.81

472.35
746.28
» CUBI's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2014

CUBI Guru Trades in Q1 2014

RS Investment Management 724,690 sh (New)
Jim Simons 131,855 sh (+20.64%)
» More
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
» 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 )

Ratios

vs
industry
vs
history
P/E(ttm) 16.10
CUBI's P/E(ttm) is ranked higher than
74% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.60 vs. CUBI: 16.10 )
CUBI' s 10-Year P/E(ttm) Range
Min: 7.81   Max: 16.64
Current: 16.1

7.81
16.64
Forward P/E 11.66
CUBI's Forward P/E is ranked higher than
83% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CUBI: 11.66 )
N/A
PE(NRI) 16.60
CUBI's PE(NRI) is ranked higher than
76% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.70 vs. CUBI: 16.60 )
CUBI' s 10-Year PE(NRI) Range
Min: 7.82   Max: 16.71
Current: 16.6

7.82
16.71
P/B 1.60
CUBI's P/B is ranked higher than
61% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. CUBI: 1.60 )
CUBI' s 10-Year P/B Range
Min: 0.93   Max: 1.6
Current: 1.6

0.93
1.6
P/S 3.96
CUBI's P/S is ranked higher than
55% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.68 vs. CUBI: 3.96 )
CUBI' s 10-Year P/S Range
Min: 1.77   Max: 4.11
Current: 3.96

1.77
4.11
EV-to-EBIT 33.51
CUBI's EV-to-EBIT is ranked higher than
64% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.40 vs. CUBI: 33.51 )
CUBI' s 10-Year EV-to-EBIT Range
Min: 2.1   Max: 35.2
Current: 33.51

2.1
35.2
Days Sales Outstanding 36.36
CUBI's Days Sales Outstanding is ranked higher than
87% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CUBI: 36.36 )
CUBI' s 10-Year Days Sales Outstanding Range
Min: 36.13   Max: 201.81
Current: 36.36

36.13
201.81

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.60
CUBI's Price/Tangible Book is ranked higher than
68% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. CUBI: 1.60 )
CUBI' s 10-Year Price/Tangible Book Range
Min: 0.78   Max: 1.3
Current: 1.6

0.78
1.3
Price/Median PS Value 1.30
CUBI's Price/Median PS Value is ranked higher than
69% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. CUBI: 1.30 )
CUBI' s 10-Year Price/Median PS Value Range
Min: 0.62   Max: 1.2
Current: 1.3

0.62
1.2
Price/Graham Number 1.00
CUBI's Price/Graham Number is ranked higher than
75% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. CUBI: 1.00 )
CUBI' s 10-Year Price/Graham Number Range
Min: 0.71   Max: 0.93
Current: 1

0.71
0.93
Earnings Yield (Greenblatt) 3.10
CUBI's Earnings Yield (Greenblatt) is ranked higher than
53% of the 2352 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. CUBI: 3.10 )
CUBI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.8   Max: 48.6
Current: 3.1

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

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