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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 0.09
NYSE:CUBI's Cash-to-Debt is ranked lower than
96% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.12 vs. NYSE:CUBI: 0.09 )
Ranked among companies with meaningful Cash-to-Debt only.
NYSE:CUBI' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.08  Med: 0.22 Max: 6.99
Current: 0.09
0.08
6.99
Equity-to-Asset 0.09
NYSE:CUBI's Equity-to-Asset is ranked lower than
69% of the 1617 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.11 vs. NYSE:CUBI: 0.09 )
Ranked among companies with meaningful Equity-to-Asset only.
NYSE:CUBI' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.08 Max: 0.1
Current: 0.09
0.06
0.1
Debt-to-Equity 2.77
NYSE:CUBI's Debt-to-Equity is ranked lower than
89% of the 1231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. NYSE:CUBI: 2.77 )
Ranked among companies with meaningful Debt-to-Equity only.
NYSE:CUBI' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.09  Med: 2.14 Max: 4.22
Current: 2.77
0.09
4.22
Debt-to-EBITDA 7.59
NYSE:CUBI's Debt-to-EBITDA is ranked lower than
81% of the 1243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.24 vs. NYSE:CUBI: 7.59 )
Ranked among companies with meaningful Debt-to-EBITDA only.
NYSE:CUBI' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0  Med: 0 Max: 7.59
Current: 7.59
0
7.59
Beneish M-Score: -2.47
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 : 4/10

vs
industry
vs
history
Net Margin % 23.01
NYSE:CUBI's Net Margin % is ranked higher than
58% of the 1630 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.23 vs. NYSE:CUBI: 23.01 )
Ranked among companies with meaningful Net Margin % only.
NYSE:CUBI' s Net Margin % Range Over the Past 10 Years
Min: 8.03  Med: 25.07 Max: 95.79
Current: 23.01
8.03
95.79
ROE % 6.91
NYSE:CUBI's ROE % is ranked lower than
59% of the 1631 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. NYSE:CUBI: 6.91 )
Ranked among companies with meaningful ROE % only.
NYSE:CUBI' s ROE % Range Over the Past 10 Years
Min: 5.4  Med: 9.97 Max: 11.42
Current: 6.91
5.4
11.42
ROA % 0.74
NYSE:CUBI's ROA % is ranked lower than
57% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. NYSE:CUBI: 0.74 )
Ranked among companies with meaningful ROA % only.
NYSE:CUBI' s ROA % Range Over the Past 10 Years
Min: 0.39  Med: 0.82 Max: 0.9
Current: 0.74
0.39
0.9
3-Year Revenue Growth Rate 18.80
NYSE:CUBI's 3-Year Revenue Growth Rate is ranked higher than
89% of the 1453 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.40 vs. NYSE:CUBI: 18.80 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NYSE:CUBI' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 5.4  Med: 12.9 Max: 26.5
Current: 18.8
5.4
26.5
3-Year EPS without NRI Growth Rate 7.40
NYSE:CUBI's 3-Year EPS without NRI Growth Rate is ranked higher than
52% of the 1339 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. NYSE:CUBI: 7.40 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NYSE:CUBI' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -27.1  Med: 7.7 Max: 64.8
Current: 7.4
-27.1
64.8
GuruFocus has detected 6 Warning Signs with Customers Bancorp Inc NYSE:CUBI.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NYSE:CUBI's 30-Y Financials

Financials (Next Earnings Date: 2018-07-27)


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

» Details

Guru Trades

Q2 2017

CUBI Guru Trades in Q2 2017

Scott Black 52,833 sh (+2.11%)
Jim Simons 238,120 sh (-13.35%)
» More
Q3 2017

CUBI Guru Trades in Q3 2017

Chuck Royce 311 sh (New)
Scott Black 53,565 sh (+1.39%)
Jim Simons 122,520 sh (-48.55%)
» More
Q4 2017

CUBI Guru Trades in Q4 2017

HOTCHKIS & WILEY 47,507 sh (New)
Chuck Royce 362 sh (+16.40%)
Scott Black 52,597 sh (-1.81%)
Jim Simons 91,520 sh (-25.30%)
» More
Q1 2018

CUBI Guru Trades in Q1 2018

Jim Simons Sold Out
Scott Black Sold Out
Chuck Royce 346 sh (-4.42%)
HOTCHKIS & WILEY 41,369 sh (-12.92%)
» More
» Details

Insider Trades

Latest Guru Trades with NYSE:CUBI

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
HOTCHKIS & WILEY 2018-03-31 Reduce -12.92%$26.65 - $31.95 $ 31.555%41,369
HOTCHKIS & WILEY 2017-12-31 New Buy$25.06 - $33.16 $ 31.5511%47,507
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of Customers Bancorp Inc

SymbolPriceYieldDescription
CUBIpC.PFD26.296.66Pfd Shs Series -C-
CUBIpD.PFD26.036.24Perp Pfd Shs Series -D-
CUBIpE.PFD26.006.20E
CUBIpF.PFD25.755.83F

Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:WASH, NAS:CNOB, NAS:LBAI, NAS:MSFG, NYSE:BANC, NAS:BMTC, NAS:PFBC, NAS:HAFC, NYSE:NBHC, NAS:TBK, NAS:TCBK, NAS:OPB, NAS:HFWA, NYSE:CPF, NAS:GBNK, NAS:COBZ, NAS:CARO, NAS:GNBC, NAS:TRST, NAS:RBCAA » details
Headquarter Location:USA
Customers Bancorp Inc through its wholly-owned subsidiary Customers Bank provides financial products and services to small and middle-market businesses, not-for-profits, and consumers. It also provides lending to mortgage banking businesses.

Customers Bancorp Inc is a bank holding company engaged in banking activities through its wholly owned subsidiary, Customers Bank. It provides financial products and services to small and middle market businesses, not-for-profits, and consumers through its branches and offices in Southeastern Pennsylvania, Rye Brook, Melville and New York, New York, Hamilton, New Jersey, Providence, Rhode Island, Portsmouth, New Hampshire and Boston, Massachusetts. Customers Bank also provides liquidity to the mortgage market nationwide through the operation of its loans to mortgage banking companies.

Ratios

vs
industry
vs
history
PE Ratio 16.31
CUBI's PE Ratio is ranked lower than
53% of the 1497 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.27 vs. CUBI: 16.31 )
Ranked among companies with meaningful PE Ratio only.
CUBI' s PE Ratio Range Over the Past 10 Years
Min: 7.91  Med: 12.81 Max: 17.13
Current: 16.31
7.91
17.13
Forward PE Ratio 11.11
CUBI's Forward PE Ratio is ranked higher than
73% of the 443 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.87 vs. CUBI: 11.11 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 14.98
CUBI's PE Ratio without NRI is ranked higher than
54% of the 1499 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.29 vs. CUBI: 14.98 )
Ranked among companies with meaningful PE Ratio without NRI only.
CUBI' s PE Ratio without NRI Range Over the Past 10 Years
Min: 7.91  Med: 12.54 Max: 16.7
Current: 14.98
7.91
16.7
Price-to-Owner-Earnings 17.20
CUBI's Price-to-Owner-Earnings is ranked lower than
79% of the 896 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.46 vs. CUBI: 17.20 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CUBI' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 7.72  Med: 17.69 Max: 344.38
Current: 17.2
7.72
344.38
PB Ratio 1.39
CUBI's PB Ratio is ranked lower than
60% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. CUBI: 1.39 )
Ranked among companies with meaningful PB Ratio only.
CUBI' s PB Ratio Range Over the Past 10 Years
Min: 0.19  Med: 1.25 Max: 1.73
Current: 1.39
0.19
1.73
PS Ratio 3.09
CUBI's PS Ratio is ranked higher than
56% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. CUBI: 3.09 )
Ranked among companies with meaningful PS Ratio only.
CUBI' s PS Ratio Range Over the Past 10 Years
Min: 1.7  Med: 3 Max: 4.16
Current: 3.09
1.7
4.16
EV-to-Revenue 10.59
CUBI's EV-to-Revenue is ranked lower than
87% of the 1276 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.24 vs. CUBI: 10.59 )
Ranked among companies with meaningful EV-to-Revenue only.
CUBI' s EV-to-Revenue Range Over the Past 10 Years
Min: 0.6  Med: 8.4 Max: 12.3
Current: 10.59
0.6
12.3

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -5.50
CUBI's 3-Year Average Share Buyback Ratio is ranked lower than
64% of the 1082 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.20 vs. CUBI: -5.50 )
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: -13.4 Max: -4.4
Current: -5.5
-55.5
-4.4

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.45
CUBI's Price-to-Tangible-Book is ranked lower than
55% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. CUBI: 1.45 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CUBI' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.19  Med: 1.26 Max: 1.75
Current: 1.45
0.19
1.75
Price-to-Median-PS-Value 1.02
CUBI's Price-to-Median-PS-Value is ranked higher than
60% of the 1419 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CUBI: 1.02 )
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: 0.99 Max: 1.26
Current: 1.02
0.59
1.26
Price-to-Graham-Number 0.98
CUBI's Price-to-Graham-Number is ranked lower than
52% of the 1378 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. CUBI: 0.98 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CUBI' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.33  Med: 0.8 Max: 1.07
Current: 0.98
0.33
1.07

More Statistics

Revenue (TTM) (Mil) $335.61
EPS (TTM) $ 1.94
Beta0.94
Volatility32.12%
52-Week Range $24.75 - 33.85
Shares Outstanding (Mil)31.50

Analyst Estimate

Dec18 Dec19 Dec20
Revenue (Mil $) 355 334 358
EBIT (Mil $)
EBITDA (Mil $)
EPS ($) 2.77 3.31 3.45
EPS without NRI ($) 2.77 3.31 3.45
EPS Growth Rate
(Future 3Y To 5Y Estimate)
10.00%
Dividends per Share ($)

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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