Customers Bancorp (FRA:334) Moat Score: 4/10 (As of Jul. 30, 2026)

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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 Moat Score?

Customers Bancorp FRA:334 +1.47% 77 Moat Score is 4 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. Among 1,609 Banks companies, Customers Bancorp ranks better than 86.26% on this metric.

Customers Bancorp has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Customers Bancorp has Narrow Moat: Customers Bancorp Inc has a discernible but modest moat due to its niche banking services and some customer loyalty. The company benefits from regulatory barriers typical in banking but lacks significant market share, strong brand strength, or unique intellectual property to elevate it to a strong narrow moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Customers Bancorp might have Narrow Moat - Discernible but modest moat.

Customers Bancorp  (FRA:334) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Customers Bancorp Moat Score Related Terms

FRA:334 vs FBNC, BBT, BUSE: Moat Score Comparison

For the Banks - Regional subindustry, Customers Bancorp's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Customers Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where Customers Bancorp's Moat Score falls into.


FRA:334
77GF Score
Customers Bancorp Inc FRA:334
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Customers Bancorp (FRA:334) has a Moat Score of 4 as of Jul. 30, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Customers Bancorp ranks #221 out of 1609 companies in the Banks industry, placing it in the top 13.7%.
Is Customers Bancorp's Moat Score too high?
Customers Bancorp's current Moat Score is 4. Based on the distribution chart, Customers Bancorp ranks #221 out of 1609 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Moat Score compare to FBNC and BBT?
According to the Banks industry distribution chart, Customers Bancorp ranks #221 out of 1609 companies for Moat Score. This places Customers Bancorp in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Customers Bancorp's current Moat Score is 4. 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 Moat Score of 4. 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 Moat Score is 4. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Customers Bancorp (FRA:334), the current Moat Score is 4 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:

  • Moat Score: 4
  • 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

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€69.00
Price
€53.66
GF Value