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.
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.
The historical rank and industry rank for Customers Bancorp's Net Margin % or its related term are showing as below:
FRA:334'
s Net Margin % Range Over the Past 10 Years
Min: 22.78 Med: 27.18 Max: 42.02
Current: 32.16
FRA:334's Net Margin % is ranked better than 67.37% of 1526
companies
in the Banks industry
Industry Median: 27.05
vs FRA:334: 32.16
Customers Bancorp (FRA:334) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Customers Bancorp Net Margin % Related Terms
Customers Bancorp Net Margin % Historical Data
* Premium members only.
The historical data trend for Customers Bancorp's Net Margin % 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.
FRA:334 vs FBNC, BBT, BUSE: Net Margin % Comparison
For the Banks - Regional subindustry, Customers Bancorp's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Customers Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Customers Bancorp's Net Margin % falls into.
* 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 (FRA:334) has a Net Margin % of 31.40% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Customers Bancorp and its competitors. This is 16% above median its historical median of 27.18. Over the past decade, Customers Bancorp's Net Margin % has ranged from 22.78 to 42.02. According to the industry distribution chart, Customers Bancorp ranks #498 out of 1526 companies in the Banks industry, placing it in the top 32.6%.
Is Customers Bancorp's Net Margin % too high?
Customers Bancorp's current Net Margin % of 31.40% is 16% above median its 10-year median of 27.18. Over the past 10 years, this metric has ranged from a low of 22.78 to a high of 42.02. The Banks industry median Net Margin % is 27.05. Customers Bancorp's value of 31.40% is 16.1% above this industry median. Based on the distribution chart, Customers Bancorp ranks #498 out of 1526 companies in the Banks industry, which is above the industry midpoint. 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 Net Margin % compare to FBNC and BBT?
According to the Banks industry distribution chart, Customers Bancorp ranks #498 out of 1526 companies for Net Margin %. This puts Customers Bancorp in the upper half of its industry. The industry median Net Margin % is 27.05. Customers Bancorp's value of 31.40% is 16.1% above this benchmark. Historically, Customers Bancorp's own Net Margin % has ranged from 22.78 to 42.02 over the past decade. While the company's 10-year median is 27.18 vs. the industry median of 27.05, Customers Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.05, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Customers Bancorp's current Net Margin % of 31.40% is 16.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Customers Bancorp and its competitors. For the Banks industry, the median Net Margin % is 27.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Customers Bancorp's current Net Margin % is 31.40%, which is 16% above median its own 10-year median of 27.18. 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 Net Margin % of 31.40%. 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 Net Margin % is 31.40%, which is 16% above median its 10-year median of 27.18 and 16.1% above the Banks industry median of 27.05. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Customers Bancorp (FRA:334), the current Net Margin % is 31.40% as of Mar. 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:
Net Margin %: 31.40% (16% above median its 10-year median of 27.18)
GF Value™: €53.66 vs. price of €69.00 (28.6% above fair value)
Industry Position: 16.1% above the Banks median (#498 of 1526)
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 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
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:334 has been successfully added to your 
