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Customers Bancorp (Customers Bancorp) Cyclically Adjusted Price-to-FCF : (As of May. 16, 2024)


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

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 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Cyclically Adjusted Price-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only - - - 10.41 -

Customers Bancorp Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
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 8.41 11.12 68.95 - -

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 FCF per Share for the quarter that ended in Mar. 2024 is calculated as:

For example, Customers Bancorp's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2024 was:

Adj_FreeCashFlowPerShare=Free Cash Flow per Share/CPI of Mar. 2024 (Change)*Current CPI (Mar. 2024)
=-0.707/131.7762*131.7762
=-0.707

Current CPI (Mar. 2024) = 131.7762.

Customers Bancorp Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201406 -13.687 100.560 -17.936
201409 -5.991 100.428 -7.861
201412 -3.621 99.070 -4.816
201503 -11.477 99.621 -15.181
201506 -9.046 100.684 -11.840
201509 9.811 100.392 12.878
201512 12.657 99.792 16.714
201603 -6.154 100.470 -8.072
201606 -11.298 101.688 -14.641
201609 -0.626 101.861 -0.810
201612 19.576 101.863 25.325
201703 0.586 102.862 0.751
201706 -0.265 103.349 -0.338
201709 0.554 104.136 0.701
201712 0.284 104.011 0.360
201803 0.939 105.290 1.175
201806 0.867 106.317 1.075
201809 0.474 106.507 0.586
201812 -0.521 105.998 -0.648
201903 -0.443 107.251 -0.544
201906 0.160 108.070 0.195
201909 0.346 108.329 0.421
201912 0.822 108.420 0.999
202003 -1.326 108.902 -1.605
202006 2.275 108.767 2.756
202009 0.865 109.815 1.038
202012 2.052 109.897 2.461
202103 5.251 111.754 6.192
202106 2.524 114.631 2.902
202109 -0.678 115.734 -0.772
202112 0.105 117.630 0.118
202203 3.313 121.301 3.599
202206 0.691 125.017 0.728
202209 1.525 125.227 1.605
202212 -9.731 125.222 -10.240
202303 0.474 127.348 0.490
202306 2.426 128.729 2.483
202309 4.166 129.860 4.227
202312 -4.272 129.419 -4.350
202403 -0.707 131.776 -0.707

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  (NYSE:CUBI) 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 (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.
Executives
Robert Neil Mackay director 701 READING AVENUE, WEST READING PA 19611
Glenn Hedde officer: Pres Mortgage WarehouseLending 1015 PENN AVENUE, SUITE 103, WYOMISSING PA 19610
Jay S Sidhu director, officer: Chairman & CEO 4655 SALISBURY ROAD, SUITE 110, JACKSONVILLE FL 32256
Velasquez Jessie John Deano officer: Chief Accounting Officer 1015 PENN AVENUE, WYOMISSING PA 19610
Philip Watkins officer: CFO Customers Bank 1345 AVENUE OF THE AMERICAS 11TH FL, NEW YORK NY 10105
Carla A Leibold officer: Principal Accounting Officer C/O 1999 K STREET, N.W., 4TH FLOOR, WASHINGTON DC 20006
Andrew Hertz Bowman officer: EVP and Chief Credit Officer 701 READING AVENUE, WEST READING PA 19611
Samvir S. Sidhu officer: Head of Corporate Development 1345 AVENUE OF THE AMERICAS 11TH FL, NEW YORK NY 10105
Rajeev V Date director 3465 EAST FOOTHILL BOULEVARD, PASADENA CA 91107
Lyle Cunningham officer: Director/Chief Lending Officer 701 READING AVENUE, WEST READING PA 19611
Bernard Bennett Banks director 701 READING AVENUE, WEST READING PA 19611
Steven Issa officer: Exec VP/Chief Lending Officer 16 LILAC STREET, CUMBERLAND RI 02864
T Lawrence Way director 1015 PENN AVENUE, SUITE 103, WYOMISSING PA 19610
Richard A Ehst officer: President & COO 1015 PENN AVENUE, SUITE 103, WYOMISSING PA 19610
James T. Collins officer: Chief Administrative Officer 4520 LONGFELLOW COURT, DOYLESTOWN PA 18902

Customers Bancorp (Customers Bancorp) Headlines