GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Customers Bancorp Inc (LTS:0I5Z) » Definitions » Cyclically Adjusted Price-to-FCF

Customers Bancorp (LTS:0I5Z) Cyclically Adjusted Price-to-FCF : 12.55 (As of Jun. 05, 2025)


View and export this data going back to 2018. Start your Free Trial

What is Customers Bancorp Cyclically Adjusted Price-to-FCF?

As of today (2025-06-05), Customers Bancorp's current share price is $51.09. Customers Bancorp's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2025 was $4.07. Customers Bancorp's Cyclically Adjusted Price-to-FCF for today is 12.55.

The historical rank and industry rank for Customers Bancorp's Cyclically Adjusted Price-to-FCF or its related term are showing as below:

LTS:0I5Z' s Cyclically Adjusted Price-to-FCF Range Over the Past 10 Years
Min: 6.62   Med: 16.33   Max: 117.59
Current: 12.28

During the past years, Customers Bancorp's highest Cyclically Adjusted Price-to-FCF was 117.59. The lowest was 6.62. And the median was 16.33.

LTS:0I5Z's Cyclically Adjusted Price-to-FCF is ranked worse than
74.75% of 887 companies
in the Banks industry
Industry Median: 8.71 vs LTS:0I5Z: 12.28

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Customers Bancorp's adjusted free cash flow per share data for the three months ended in Mar. 2025 was $2.371. Add all the adjusted free cash flow per share for the past 10 years together and divide 10 will get our Cyclically Adjusted FCF per Share, which is $4.07 for the trailing ten years ended in Mar. 2025.

Shiller PE for Stocks: The True Measure of Stock Valuation


Customers Bancorp Cyclically Adjusted Price-to-FCF Historical Data

The historical data trend for Customers Bancorp's Cyclically Adjusted Price-to-FCF can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Customers Bancorp Cyclically Adjusted Price-to-FCF Chart

Customers Bancorp Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted Price-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only - - 10.41 - 20.90

Customers Bancorp Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Cyclically Adjusted Price-to-FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only - 68.73 30.32 20.90 12.09

Competitive Comparison of Customers Bancorp's Cyclically Adjusted Price-to-FCF

For the Banks - Regional subindustry, Customers Bancorp's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Customers Bancorp's Cyclically Adjusted Price-to-FCF Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Customers Bancorp's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Customers Bancorp's Cyclically Adjusted Price-to-FCF falls into.


;
;

Customers Bancorp Cyclically Adjusted Price-to-FCF Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted Price-to-FCF takes the Free Cash Flow per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/FCF calculation. Because it considers this 10-year average, it's often referred to as the CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF.

Customers Bancorp's Cyclically Adjusted Price-to-FCF for today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/ Cyclically Adjusted FCF per Share
=51.09/4.07
=12.55

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Customers Bancorp's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2025 is calculated as:

For example, Customers Bancorp's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2025 was:

Adj_FreeCashFlowPerShare=Free Cash Flow per Share/CPI of Mar. 2025 (Change)*Current CPI (Mar. 2025)
=2.371/134.9266*134.9266
=2.371

Current CPI (Mar. 2025) = 134.9266.

Customers Bancorp Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201506 -9.046 100.684 -12.123
201509 9.811 100.392 13.186
201512 12.657 99.792 17.113
201603 -6.154 100.470 -8.265
201606 -11.298 101.688 -14.991
201609 -0.626 101.861 -0.829
201612 19.576 101.863 25.930
201703 0.586 102.862 0.769
201706 -0.265 103.349 -0.346
201709 0.554 104.136 0.718
201712 0.284 104.011 0.368
201803 0.939 105.290 1.203
201806 0.867 106.317 1.100
201809 0.474 106.507 0.600
201812 -0.521 105.998 -0.663
201903 -0.443 107.251 -0.557
201906 0.160 108.070 0.200
201909 0.346 108.329 0.431
201912 0.822 108.420 1.023
202003 -1.326 108.902 -1.643
202006 2.275 108.767 2.822
202009 0.865 109.815 1.063
202012 2.052 109.897 2.519
202103 5.251 111.754 6.340
202106 2.524 114.631 2.971
202109 -0.678 115.734 -0.790
202112 0.105 117.630 0.120
202203 3.313 121.301 3.685
202206 0.691 125.017 0.746
202209 1.525 125.227 1.643
202212 -9.731 125.222 -10.485
202303 0.474 127.348 0.502
202306 2.426 128.729 2.543
202309 4.052 129.860 4.210
202312 -4.272 129.419 -4.454
202403 -0.707 131.776 -0.724
202406 -0.301 132.554 -0.306
202409 0.380 133.029 0.385
202412 3.087 133.157 3.128
202503 2.371 134.927 2.371

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


Customers Bancorp  (LTS:0I5Z) Cyclically Adjusted Price-to-FCF Explanation

Compared with the regular Price-to-Free-Cash-Flow, which works poorly for cyclical businesses, the Cyclically Adjusted Price-to-FCF smoothed out the fluctuations of free cash flow during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted Price-to-FCF should give similar results to regular Price-to-Free-Cash-Flow.


Customers Bancorp Cyclically Adjusted Price-to-FCF Related Terms

Thank you for viewing the detailed overview of Customers Bancorp's Cyclically Adjusted Price-to-FCF provided by GuruFocus.com. Please click on the following links to see related term pages.


Customers Bancorp Business Description

Industry
Traded in Other Exchanges
Address
701 Reading Avenue, West Reading, PA, USA, 19611
Customers Bancorp Inc is a bank holding company engaged in banking activities. It provides financial products and services to small and middle-market businesses, not-for-profits, and consumers. The company operates in Lending Activities, Commercial Lending, Consumer Lending, Private Banking, Deposit Products, Other Funding Sources and Financial Products and Services. The majority of revenue is derived from commercial lending.

Customers Bancorp Headlines

No Headlines