Customers Bancorp Stock Fundamentals
| CUBI Stock | USD 50.79 1.70 3.46% |
Customers Bancorp fundamentals help investors to digest information that contributes to Customers Bancorp's financial success or failures. It also enables traders to predict the movement of Customers Stock. The fundamental analysis module provides a way to measure Customers Bancorp's intrinsic value by examining its available economic and financial indicators, including the cash flow records, the balance sheet account changes, the income statement patterns, and various microeconomic indicators and financial ratios related to Customers Bancorp stock.
As of now, Customers Bancorp's Total Revenue is increasing as compared to previous years. The Customers Bancorp's current Gross Profit is estimated to increase to about 1.4 B, while Selling General Administrative is projected to decrease to under 123.2 M. Customers | Select Account or Indicator |
Customers Bancorp Company Operating Margin Analysis
Customers Bancorp's Operating Margin shows how much operating income a company makes on each dollar of sales. It is one of the profitability indicators which helps analysts to understand whether the firm is successful or not making money from everyday operations.
Current Customers Bancorp Operating Margin | 0.31 % |
Most of Customers Bancorp's fundamental indicators, such as Operating Margin, are part of a valuation analysis module that helps investors searching for stocks that are currently trading at higher or lower prices than their real value. If the real value is higher than the market price, Customers Bancorp is considered to be undervalued, and we provide a buy recommendation. Otherwise, we render a sell signal.
A good Operating Margin is required for a company to be able to pay for its fixed costs or payout its debt, which implies that the higher the margin, the better. This ratio is most effective in evaluating the earning potential of a company over time when comparing it against a firm's competitors.
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Customers Pretax Profit Margin
Pretax Profit Margin |
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Based on the recorded statements, Customers Bancorp has an Operating Margin of 0.3141%. This is 98.3% lower than that of the Banks sector and significantly higher than that of the Financials industry. The operating margin for all United States stocks is 105.7% lower than that of the firm.
Customers Bancorp Fundamental Drivers 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 rated fourth in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about 0.08 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Customers Bancorp is roughly 12.58 . As of now, Customers Bancorp's Return On Equity is increasing as compared to previous years. 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 Operating Margin Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Customers Bancorp's direct or indirect competition against its Operating Margin to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Customers Bancorp could also be used in its relative valuation, which is a method of valuing Customers Bancorp by comparing valuation metrics of similar companies.Customers Bancorp is currently under evaluation in operating margin category among its peers.
Customers Bancorp Current Valuation Drivers
We derive many important indicators used in calculating different scores of Customers Bancorp from analyzing Customers Bancorp's financial statements. These drivers represent accounts that assess Customers Bancorp's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of Customers Bancorp's important valuation drivers and their relationship over time.
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
| Market Cap | 572.8M | 2.1B | 924.8M | 1.8B | 1.5B | 1.6B | |
| Enterprise Value | 1.0B | 2.7B | 1.9B | (507.7M) | 2.9B | 3.0B |
Customers Bancorp ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Customers Bancorp's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Customers Bancorp's managers, analysts, and investors.Environmental | Governance | Social |
Customers Fundamentals
| Return On Equity | 0.1 | ||||
| Return On Asset | 0.0083 | ||||
| Profit Margin | 0.28 % | ||||
| Operating Margin | 0.31 % | ||||
| Current Valuation | (625.6 M) | ||||
| Shares Outstanding | 31.47 M | ||||
| Shares Owned By Insiders | 7.37 % | ||||
| Shares Owned By Institutions | 90.66 % | ||||
| Number Of Shares Shorted | 1.68 M | ||||
| Price To Earning | 6.75 X | ||||
| Price To Book | 0.92 X | ||||
| Price To Sales | 2.41 X | ||||
| Revenue | 1.33 B | ||||
| Gross Profit | 641.39 M | ||||
| EBITDA | 362.1 M | ||||
| Net Income | 181.47 M | ||||
| Cash And Equivalents | 404.46 M | ||||
| Cash Per Share | 12.45 X | ||||
| Total Debt | 1.41 B | ||||
| Debt To Equity | 0.36 % | ||||
| Book Value Per Share | 54.20 X | ||||
| Cash Flow From Operations | 116 M | ||||
| Short Ratio | 6.95 X | ||||
| Earnings Per Share | 5.09 X | ||||
| Target Price | 66.67 | ||||
| Number Of Employees | 787 | ||||
| Beta | 1.75 | ||||
| Market Capitalization | 1.54 B | ||||
| Total Asset | 22.31 B | ||||
| Retained Earnings | 1.33 B | ||||
| Net Asset | 22.31 B |
About Customers Bancorp Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Customers Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Customers Bancorp using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Customers Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.| Last Reported | Projected for Next Year | ||
| Current Deferred Revenue | -375.6 M | -394.3 M | |
| Total Revenue | 1.3 B | 1.4 B | |
| Cost Of Revenue | 81.1 M | 67.1 M | |
| Stock Based Compensation To Revenue | 0.02 | 0.03 | |
| Sales General And Administrative To Revenue | 0.16 | 0.16 | |
| Capex To Revenue | 0.05 | 0.05 | |
| Revenue Per Share | 42.14 | 44.25 | |
| Ebit Per Revenue | 1.00 | 1.05 |
Currently Active Assets on Macroaxis
When determining whether Customers Bancorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Customers Bancorp's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Customers Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Customers Bancorp Stock:Check out Customers Bancorp Piotroski F Score and Customers Bancorp Altman Z Score analysis. For more detail on how to invest in Customers Stock please use our How to Invest in Customers Bancorp guide.You can also try the Analyst Advice module to analyst recommendations and target price estimates broken down by several categories.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Customers Bancorp. If investors know Customers will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Customers Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.60) | Earnings Share 5.09 | Revenue Per Share | Quarterly Revenue Growth (0.18) | Return On Assets |
The market value of Customers Bancorp is measured differently than its book value, which is the value of Customers that is recorded on the company's balance sheet. Investors also form their own opinion of Customers Bancorp's value that differs from its market value or its book value, called intrinsic value, which is Customers Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Customers Bancorp's market value can be influenced by many factors that don't directly affect Customers Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Customers Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if Customers Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Customers Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.