Customers Bancorp (FRA:334) Margin of Safety % (DCF FCF Based): 18.93% (As of Jul. 30, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:334 Customers Bancorp Inc FRA:334
77 GF Score
Price €69.00
GF Value €53.66
! 3 Warning Signs
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What is Customers Bancorp Margin of Safety % (DCF FCF Based)?

Customers Bancorp FRA:334 +1.47% 77 Margin of Safety % (DCF FCF Based) is 18.93% as of Jul. 30, 2026. GuruFocus rates FRA:334 with a GF Score™ of 77/100 and a GF Value™ of €53.66. The stock has 3 warning signs investors should review.

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-07-30), Customers Bancorp's Predictability Rank is 4.5-Stars. Customers Bancorp's intrinsic value calculated from the Discounted FCF model is €175.82 and current share price is €69.00. Consequently,

Customers Bancorp's Margin of Safety % (DCF FCF Based) using Discounted FCF model is 18.93%.


FRA:334 vs FBNC, BBT, BUSE: Margin of Safety % (DCF FCF Based) Comparison

For the Banks - Regional subindustry, Customers Bancorp's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) vs Banks Industry

For the Banks industry and Financial Services sector, Customers Bancorp's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where Customers Bancorp's Margin of Safety % (DCF FCF Based) falls into.


FRA:334
77GF Score
Customers Bancorp Inc FRA:334
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Customers Bancorp Margin of Safety % (DCF FCF Based) Calculation

Customers Bancorp's Margin of Safety % (DCF FCF Based) for today is calculated as

Margin of Safety % (DCF FCF Based)=(Intrinsic Value: DCF (FCF Based)-Current Price)/Intrinsic Value: DCF (FCF Based)
=(85.11-69.00)/85.11
=18.93 %

* 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.

The intrinsic value is calculated from the Discounted FCF model with default parameters. The calculation method is the same as Discounted Earnings model except free cash flow are used in the calculation instead of earnings per share.

What does a Margin of Safety % (DCF FCF Based) of 18.93% mean?
Customers Bancorp (FRA:334) has a Margin of Safety % (DCF FCF Based) of 18.93% as of Jul. 30, 2026. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Customers Bancorp.
Is Customers Bancorp's Margin of Safety % (DCF FCF Based) too high?
Customers Bancorp's current Margin of Safety % (DCF FCF Based) is 18.93%. Overall, Customers Bancorp has a GF Score™ of 77/100, reflecting its overall financial health beyond just this single metric.
How does Customers Bancorp's Margin of Safety % (DCF FCF Based) compare to FBNC and BBT?
Customers Bancorp's Margin of Safety % (DCF FCF Based) of 18.93% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF FCF Based) for a Banks company?
A good Margin of Safety % (DCF FCF Based) depends on the Banks industry context. However, Margin of Safety % (DCF FCF Based) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Margin of Safety % (DCF FCF Based) mean?
A high Margin of Safety % (DCF FCF Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Customers Bancorp. Customers Bancorp's current Margin of Safety % (DCF FCF Based) is 18.93%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Customers Bancorp stock overvalued right now?
Customers Bancorp (FRA:334) has a current Margin of Safety % (DCF FCF Based) of 18.93%. The stock's GF Value™ is €53.66, compared to a current price of €69.00 — trading 28.6% above its estimated fair value. The current Margin of Safety % (DCF FCF Based) is 18.93%. Customers Bancorp's overall GF Score™ is 77/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF FCF Based) calculated?
Margin of Safety % (DCF FCF Based) is calculated from a company's financial statements. For Customers Bancorp (FRA:334), the current Margin of Safety % (DCF FCF Based) is 18.93% as of Jul. 30, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Customers Bancorp (FRA:334) Overvalued in 2026?

Based on GuruFocus' analysis, Customers Bancorp stock appears to be overvalued. The current stock price of €69.00 is trading 28.6% above its estimated GF Value™ of €53.66.

Key valuation signals for FRA:334:

  • Margin of Safety % (DCF FCF Based): 18.93%
  • GF Value™: €53.66 vs. price of €69.00 (28.6% above fair value)
  • GF Score™: 77/100 with 3 warning signs

No single metric tells the full story. See the FRA:334 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Customers Bancorp Business Description

Other Exchanges CUBI:USA0I5Z:UK
Address 701 Reading Avenue, West Reading, PA, USA, 19611
Customers Bancorp Inc is a bank holding company conducting banking activities through its wholly owned subsidiary, Customers Bank. The Bank provides commercial and consumer customers the stability of a regulated financial institution supported by risk management. It serves commercial and corporate businesses nationwide, including healthcare, real estate, specialty finance, fund finance, technology and venture capital banking, mortgage finance and commercial equipment financing, and provides payments and treasury services. The Bank also serves consumers through its branch network, offering residential mortgages and personal loan and deposit products, including Banking-as-a-Service, with services delivered predominantly in Southeastern and Central Pennsylvania, New York, and other states.
77GF Score

Get the complete analysis for FRA:334

Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€69.00
Price
€53.66
GF Value