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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 : 3/10

vs
industry
vs
history
Cash to Debt 0.15
CUBI's Cash to Debt is ranked lower than
88% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. CUBI: 0.15 )
Ranked among companies with meaningful Cash to Debt only.
CUBI' s Cash to Debt Range Over the Past 10 Years
Min: 0.18  Med: 0.36 Max: N/A
Current: 0.15
Equity to Asset 0.07
CUBI's Equity to Asset is ranked lower than
84% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CUBI: 0.07 )
Ranked among companies with meaningful Equity to Asset only.
CUBI' s Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.08 Max: 0.1
Current: 0.07
0.06
0.1
Interest Coverage 1.65
CUBI's Interest Coverage is ranked lower than
52% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. CUBI: 1.65 )
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: 1.65
0.26
2.47
F-Score: 2
WACC vs ROIC
3.33%
3.28%
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 (%) 39.51
CUBI's Operating margin (%) is ranked higher than
70% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. CUBI: 39.51 )
Ranked among companies with meaningful Operating margin (%) only.
CUBI' s Operating margin (%) Range Over the Past 10 Years
Min: 11.68  Med: 35.80 Max: 43.77
Current: 39.51
11.68
43.77
Net-margin (%) 26.15
CUBI's Net-margin (%) is ranked higher than
62% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. CUBI: 26.15 )
Ranked among companies with meaningful Net-margin (%) only.
CUBI' s Net-margin (%) Range Over the Past 10 Years
Min: 8.03  Med: 24.41 Max: 36.5
Current: 26.15
8.03
36.5
ROE (%) 11.14
CUBI's ROE (%) is ranked higher than
71% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. CUBI: 11.14 )
Ranked among companies with meaningful ROE (%) only.
CUBI' s ROE (%) Range Over the Past 10 Years
Min: 5.4  Med: 10.20 Max: 11.42
Current: 11.14
5.4
11.42
ROA (%) 0.78
CUBI's ROA (%) is ranked lower than
56% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. CUBI: 0.78 )
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: 0.78
0.39
0.9
» CUBI's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q2 2015

CUBI Guru Trades in Q2 2015

Scott Black 83,701 sh (-7.84%)
Jim Simons 35,900 sh (-54.34%)
» More
Q3 2015

CUBI Guru Trades in Q3 2015

Jim Simons 106,300 sh (+196.10%)
Scott Black 73,606 sh (-12.06%)
» More
Q4 2015

CUBI Guru Trades in Q4 2015

Jim Simons 214,200 sh (+101.51%)
» 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
CUBIPRC25.503.88Pfd Shs Series -C-
CUBIPRD24.990.00Perp Pfd Shs Series -D-

Ratios

vs
industry
vs
history
P/E(ttm) 11.77
CUBI's P/E(ttm) is ranked lower than
54% of the 2083 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.50 vs. CUBI: 11.77 )
Ranked among companies with meaningful P/E(ttm) only.
CUBI' s P/E(ttm) Range Over the Past 10 Years
Min: 7.91  Med: 12.86 Max: 16.76
Current: 11.77
7.91
16.76
Forward P/E 8.87
CUBI's Forward P/E is ranked higher than
54% of the 1323 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.52 vs. CUBI: 8.87 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 11.77
CUBI's PE(NRI) is ranked higher than
50% of the 1535 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.30 vs. CUBI: 11.77 )
Ranked among companies with meaningful PE(NRI) only.
CUBI' s PE(NRI) Range Over the Past 10 Years
Min: 7.87  Med: 12.86 Max: 16.76
Current: 11.77
7.87
16.76
P/B 1.18
CUBI's P/B is ranked lower than
70% of the 2114 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. CUBI: 1.18 )
Ranked among companies with meaningful P/B only.
CUBI' s P/B Range Over the Past 10 Years
Min: 0.72  Med: 1.15 Max: 1.73
Current: 1.18
0.72
1.73
P/S 2.93
CUBI's P/S is ranked lower than
62% of the 2513 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.57 vs. CUBI: 2.93 )
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: 2.93
1.64
4.16
EV-to-EBIT 18.23
CUBI's EV-to-EBIT is ranked lower than
70% of the 2044 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.62 vs. CUBI: 18.23 )
Ranked among companies with meaningful EV-to-EBIT only.
CUBI' s EV-to-EBIT Range Over the Past 10 Years
Min: 2.1  Med: 18.80 Max: 35.2
Current: 18.23
2.1
35.2
EV-to-EBITDA 17.43
CUBI's EV-to-EBITDA is ranked lower than
73% of the 2053 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.33 vs. CUBI: 17.43 )
Ranked among companies with meaningful EV-to-EBITDA only.
CUBI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 1.9  Med: 18.00 Max: 33
Current: 17.43
1.9
33

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.18
CUBI's Price/Tangible Book is ranked lower than
63% of the 1932 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. CUBI: 1.18 )
Ranked among companies with meaningful Price/Tangible Book only.
CUBI' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.76  Med: 1.14 Max: 1.56
Current: 1.18
0.76
1.56
Price/Median PS Value 0.97
CUBI's Price/Median PS Value is ranked lower than
56% of the 1761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. CUBI: 0.97 )
Ranked among companies with meaningful Price/Median PS Value only.
CUBI' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.56  Med: 0.98 Max: 1.21
Current: 0.97
0.56
1.21
Price/Graham Number 0.76
CUBI's Price/Graham Number is ranked lower than
54% of the 1720 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. CUBI: 0.76 )
Ranked among companies with meaningful Price/Graham Number only.
CUBI' s Price/Graham Number Range Over the Past 10 Years
Min: 0.54  Med: 0.81 Max: 1.03
Current: 0.76
0.54
1.03
Earnings Yield (Greenblatt) (%) 5.49
CUBI's Earnings Yield (Greenblatt) (%) is ranked lower than
61% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. CUBI: 5.49 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CUBI' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.8  Med: 5.30 Max: 48.6
Current: 5.49
2.8
48.6

More Statistics

Revenue(Mil) $224
EPS $ 1.85
Beta0.59
Short Percentage of Float4.32%
52-Week Range $21.31 - 31.63
Shares Outstanding(Mil)26.88

Analyst Estimate

Dec16 Dec17
Revenue(Mil)
EPS($) 2.32 2.57
EPS without NRI($) 2.32 2.57

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

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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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