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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 0.14
CUBI's Cash to Debt is ranked lower than
90% of the 1188 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.15 vs. CUBI: 0.14 )
Ranked among companies with meaningful Cash to Debt only.
CUBI' s Cash to Debt Range Over the Past 10 Years
Min: 0.14  Med: 0.33 Max: N/A
Current: 0.14
Equity to Asset 0.07
CUBI's Equity to Asset is ranked lower than
85% of the 1677 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: 0.07 Max: 0.1
Current: 0.07
0.06
0.1
Interest Coverage 1.65
CUBI's Interest Coverage is ranked higher than
50% of the 1565 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 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
M-Score: -2.15
WACC vs ROIC
3.22%
3.39%
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 (%) 40.03
CUBI's Operating margin (%) is ranked higher than
70% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.14 vs. CUBI: 40.03 )
Ranked among companies with meaningful Operating margin (%) only.
CUBI' s Operating margin (%) Range Over the Past 10 Years
Min: 11.15  Med: 37.66 Max: 43.77
Current: 40.03
11.15
43.77
Net-margin (%) 26.52
CUBI's Net-margin (%) is ranked higher than
63% of the 1694 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.52 vs. CUBI: 26.52 )
Ranked among companies with meaningful Net-margin (%) only.
CUBI' s Net-margin (%) Range Over the Past 10 Years
Min: 7.67  Med: 25.12 Max: 36.5
Current: 26.52
7.67
36.5
ROE (%) 10.95
CUBI's ROE (%) is ranked higher than
67% of the 1689 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.37 vs. CUBI: 10.95 )
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: 10.95
5.4
11.42
ROA (%) 0.78
CUBI's ROA (%) is ranked lower than
58% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. CUBI: 0.78 )
Ranked among companies with meaningful ROA (%) only.
CUBI' s ROA (%) Range Over the Past 10 Years
Min: 0.39  Med: 0.79 Max: 0.9
Current: 0.78
0.39
0.9
Revenue Growth (3Y)(%) 4.80
CUBI's Revenue Growth (3Y)(%) is ranked higher than
62% of the 1391 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 vs. CUBI: 4.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CUBI' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -18.1  Med: 4.80 Max: 10.9
Current: 4.8
-18.1
10.9
EBITDA Growth (3Y)(%) 8.70
CUBI's EBITDA Growth (3Y)(%) is ranked higher than
59% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 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: 8.70 Max: 55.3
Current: 8.7
-19.9
55.3
EPS Growth (3Y)(%) 7.60
CUBI's EPS Growth (3Y)(%) is ranked higher than
50% of the 1270 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CUBI: 7.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CUBI' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -27  Med: 7.60 Max: 63.8
Current: 7.6
-27
63.8
» CUBI's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-23)


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

» Details

Guru Trades

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

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
» 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
CUBIPRC26.227.17Pfd Shs Series -C-
CUBIPRD25.502.41Perp Pfd Shs Series -D-
CUBIPRE25.390.81E

Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:LTXB, NAS:NBTB, NAS:WSBC, NAS:WABC, NAS:OPB, NAS:FFBC » 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) 13.19
CUBI's P/E(ttm) is ranked lower than
52% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.48 vs. CUBI: 13.19 )
Ranked among companies with meaningful P/E(ttm) only.
CUBI' s P/E(ttm) Range Over the Past 10 Years
Min: 7.81  Med: 12.83 Max: 16.76
Current: 13.19
7.81
16.76
Forward P/E 9.97
CUBI's Forward P/E is ranked higher than
67% of the 399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.51 vs. CUBI: 9.97 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 13.19
CUBI's PE(NRI) is ranked lower than
52% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. CUBI: 13.19 )
Ranked among companies with meaningful PE(NRI) only.
CUBI' s PE(NRI) Range Over the Past 10 Years
Min: 7.82  Med: 12.86 Max: 16.76
Current: 13.19
7.82
16.76
Price/Owner Earnings (ttm) 19.80
CUBI's Price/Owner Earnings (ttm) is ranked lower than
80% of the 871 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.93 vs. CUBI: 19.80 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
CUBI' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 12.56  Med: 18.11 Max: 23.1
Current: 19.8
12.56
23.1
P/B 1.40
CUBI's P/B is ranked lower than
73% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. CUBI: 1.40 )
Ranked among companies with meaningful P/B only.
CUBI' s P/B Range Over the Past 10 Years
Min: 0.72  Med: 1.17 Max: 1.73
Current: 1.4
0.72
1.73
P/S 3.29
CUBI's P/S is ranked lower than
56% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. CUBI: 3.29 )
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: 3.29
1.64
4.16
EV-to-EBIT 25.21
CUBI's EV-to-EBIT is ranked lower than
81% of the 1568 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.90 vs. CUBI: 25.21 )
Ranked among companies with meaningful EV-to-EBIT only.
CUBI' s EV-to-EBIT Range Over the Past 10 Years
Min: 2.1  Med: 19.90 Max: 35.2
Current: 25.21
2.1
35.2
EV-to-EBITDA 24.20
CUBI's EV-to-EBITDA is ranked lower than
83% of the 1571 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.75 vs. CUBI: 24.20 )
Ranked among companies with meaningful EV-to-EBITDA only.
CUBI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 1.9  Med: 18.80 Max: 33
Current: 24.2
1.9
33
PEG 1.68
CUBI's PEG is ranked lower than
63% of the 746 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. CUBI: 1.68 )
Ranked among companies with meaningful PEG only.
CUBI' s PEG Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: N/A
Current: 1.68

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.41
CUBI's Price/Tangible Book is ranked lower than
65% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CUBI: 1.41 )
Ranked among companies with meaningful Price/Tangible Book only.
CUBI' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.76  Med: 1.18 Max: 1.56
Current: 1.41
0.76
1.56
Price/Median PS Value 1.09
CUBI's Price/Median PS Value is ranked lower than
60% of the 1617 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. CUBI: 1.09 )
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: 1.00 Max: 1.25
Current: 1.09
0.58
1.25
Price/Graham Number 0.91
CUBI's Price/Graham Number is ranked lower than
56% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.83 vs. CUBI: 0.91 )
Ranked among companies with meaningful Price/Graham Number only.
CUBI' s Price/Graham Number Range Over the Past 10 Years
Min: 0.55  Med: 0.81 Max: 1.03
Current: 0.91
0.55
1.03
Earnings Yield (Greenblatt) (%) 3.97
CUBI's Earnings Yield (Greenblatt) (%) is ranked lower than
73% of the 1722 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.12 vs. CUBI: 3.97 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CUBI' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.8  Med: 5.00 Max: 48.6
Current: 3.97
2.8
48.6

More Statistics

Revenue (TTM) (Mil) $235.1
EPS (TTM) $ 2.04
Beta0.61
Short Percentage of Float5.75%
52-Week Range $21.66 - 31.63
Shares Outstanding (Mil)27.04

Analyst Estimate

Dec16 Dec17
Revenue (Mil $)
EPS ($) 2.51 2.70
EPS without NRI ($) 2.51 2.70
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
» 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. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 26 2016
CUSTOMERS BANCORP, INC. Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... May 25 2016
May 23, 2016 BankMobile’s Chairman and CEO Receives Honorary Degree from Albright College May 23 2016
May 18, 2016 Customers Bancorp, Inc. Corrects Quarterly Cash Dividend on Its Series E Preferred... May 18 2016
Customers Bancorp, Inc. Corrects Quarterly Cash Dividend on Its Series E Preferred Stock May 18 2016
May 17, 2016 Customers Bancorp, Inc. to hold Analyst Day In New York on June 23, 2016 May 17 2016
Customers Bancorp, Inc. to Hold Analyst Day In New York on June 23, 2016 May 17 2016
CUSTOMERS BANCORP, INC. Financials May 12 2016
May 11, 2016 Customers Bancorp Announces it Will Be Added to the S&P SmallCap 600® Index May 11 2016
Customers Bancorp Announces It Will Be Added to the S&P SmallCap 600(R) Index May 11 2016
CORRECTION - Customers Bancorp, Inc. Declares Quarterly Cash Dividend on Its Series C, Series D and... May 10 2016
Customers Bancorp, Inc. Declares Quarterly Cash Dividend on Its Series C, Series D and Series E... May 10 2016
May 10, 2016 Customers Bancorp, Inc. Declares Quarterly Cash Dividend on Its Series C, Series D and... May 10 2016
Customers Bancorp and Ingevity Set to Join the S&P SmallCap 600 May 09 2016
CUSTOMERS BANCORP, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits May 06 2016
Is Customers Bancorp (CUBI) Stock a Solid Choice Right Now? May 06 2016
CUSTOMERS BANCORP, INC. Files SEC form 10-Q, Quarterly Report May 05 2016
CUSTOMERS BANCORP, INC. Files SEC form 8-K, Material Modification to Rights of Security Holders,... Apr 28 2016
CUSTOMERS BANCORP, INC. Files SEC form 8-K, Entry into a Material Definitive Agreement, Regulation... Apr 22 2016
April 21, 2016 Customers Bancorp Announces Pricing of Public Offering of Preferred Stock Apr 21 2016

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