Customers Bancorp Financials

CUBB Stock  USD 19.50  0.99  4.83%   
Based on the analysis of Customers Bancorp's profitability, liquidity, and operating efficiency, Customers Bancorp is not in a good financial situation at this time. It has a very high probability of going through financial hardship in January. At present, Customers Bancorp's Cash is projected to increase significantly based on the last few years of reporting. The current year's Other Assets is expected to grow to about 6.3 B, whereas Total Assets are forecasted to decline to about 12.3 B. Key indicators impacting Customers Bancorp's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.250.366
Way Down
Slightly volatile
Return On Assets0.00860.0117
Way Down
Slightly volatile
Return On Equity0.110.1527
Way Down
Slightly volatile
Debt Equity Ratio1.220.906
Significantly Up
Slightly volatile
Operating Income202.1 M330.7 M
Way Down
Slightly volatile
Current Ratio83.5479.5579
Sufficiently Up
Slightly volatile
Investors should never underestimate Customers Bancorp's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Customers Bancorp's cash flow, debt, and profitability to make informed and accurate decisions about investing in Customers Bancorp.

Net Income

187.31 Million

  
Understanding current and past Customers Bancorp Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Customers Bancorp's financial statements are interrelated, with each one affecting the others. For example, an increase in Customers Bancorp's assets may result in an increase in income on the income statement.
Please note, the presentation of Customers Bancorp's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Customers Bancorp's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Customers Bancorp's management manipulating its earnings.

Customers Bancorp Stock Summary

Customers Bancorp competes with CMS Energy, CMS Energy, American Financial, Eagle Point, and Argo Group. Customers Bancorp is entity of United States. It is traded as Stock on NYSE exchange.
Specialization
Financials, Banks
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS23204G8033
CUSIP23204G803
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
CurrencyUSD - US Dollar

Customers Bancorp Key Financial Ratios

Customers Bancorp Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets11.6B18.5B19.6B20.9B21.3B12.3B
Net Debt1.6B5.1B676.3M668.8M(2.4B)(2.2B)
Cash143.4M693.4M518.0M455.8M3.8B4.0B
Other Assets1.3B2.1B5.2B5.5B6.0B6.3B
Net Receivables9.5B15.6B14.4B15.3B12.8B8.8B
Total Current Assets250.8M774.4M610.4M579.2M15.3B16.1B
Retained Earnings381.5M438.6M705.7M924.1M1.2B1.2B
Common Stock32.6M33.0M34.7M35.0M35.5M34.5M
Long Term Debt295.4M232.8M304.7M305.4M351.2M280.4M
Long Term Debt Total295.4M232.8M304.7M305.4M351.2M280.4M
Capital Surpluse422.1M434.3M444.2M455.6M523.9M466.7M
Total Liab10.5B17.4B18.3B19.5B19.7B14.6B
Intangible Assets15.2M4.0M3.7M3.6M3.3M3.1M

Customers Bancorp Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense186.4M139.6M95.8M261.7M679.9M713.9M
Total Revenue463.7M543.3M780.9M885.4M1.4B1.4B
Gross Profit463.7M543.3M780.9M885.4M1.4B1.4B
Operating Income102.1M176.0M354.3M553.0M330.7M202.1M
Ebit102.1M189.8M441.2M291.3M330.7M186.0M
Ebitda102.1M208.3M462.9M314.3M330.7M192.3M
Income Before Tax102.1M176.0M441.2M291.3M330.7M189.8M
Net Income79.3M132.6M431.1M616.2M250.1M187.3M
Income Tax Expense22.8M43.4M10.1M(324.9M)80.6M84.6M

Customers Bancorp Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash150.4M480.8M(62.2M)(62.23)3.4B3.6B
Free Cash Flow78.3M133.0M(20.8M)(20.83)83.4M87.6M
Other Non Cash Items(49.3M)(24.6M)(298.6M)0.0(204.4M)(214.6M)
Capital Expenditures3.3M50.3M28.9M4.0M41.3M43.4M
Net Income79.3M132.6M228.0M228.03250.1M262.7M
End Period Cash Flow212.5M693.4M(62.2M)455.8M3.8B4.0B
Depreciation23.9M30.1M28.6M28.641.9M1.8M

Customers Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Customers Bancorp's current stock value. Our valuation model uses many indicators to compare Customers Bancorp value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Customers Bancorp competition to find correlations between indicators driving Customers Bancorp's intrinsic value. More Info.
Customers Bancorp is the top company in revenue category among its peers. It also is number one stock in ebitda category among its peers totaling about  0.24  of EBITDA per Revenue. The ratio of Revenue to EBITDA for Customers Bancorp is roughly  4.13 . At present, Customers Bancorp's Total Revenue is projected to increase significantly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Customers Bancorp's earnings, one of the primary drivers of an investment's value.

Customers Bancorp Systematic Risk

Customers Bancorp's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Customers Bancorp volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
Incorrect Input. Please change your parameters or increase the time horizon required for running this function. The output start index for this execution was zero with a total number of output elements of zero. The Beta measures systematic risk based on how returns on Customers Bancorp correlated with the market. If Beta is less than 0 Customers Bancorp generally moves in the opposite direction as compared to the market. If Customers Bancorp Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Customers Bancorp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Customers Bancorp is generally in the same direction as the market. If Beta > 1 Customers Bancorp moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Customers Bancorp Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Customers Bancorp's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Customers Bancorp growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.0424)

At present, Customers Bancorp's Price Earnings To Growth Ratio is projected to increase slightly based on the last few years of reporting.

Customers Bancorp December 18, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Customers Bancorp help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Customers Bancorp. We use our internally-developed statistical techniques to arrive at the intrinsic value of Customers Bancorp based on widely used predictive technical indicators. In general, we focus on analyzing Customers Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Customers Bancorp's daily price indicators and compare them against related drivers.

Complementary Tools for Customers Stock analysis

When running Customers Bancorp's price analysis, check to measure Customers Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Customers Bancorp is operating at the current time. Most of Customers Bancorp's value examination focuses on studying past and present price action to predict the probability of Customers Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Customers Bancorp's price. Additionally, you may evaluate how the addition of Customers Bancorp to your portfolios can decrease your overall portfolio volatility.
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