Customers Bancorp Current Valuation vs. Profit Margin
| CUBI Stock | USD 53.01 1.00 1.85% |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Gross Profit Margin | 0.78 | 0.88 |
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| Net Profit Margin | 0.35 | 0.366 |
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| Operating Profit Margin | 0.7 | 0.5946 |
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| Pretax Profit Margin | 0.48 | 0.484 |
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| Return On Assets | 0.0066 | 0.0117 |
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| Return On Equity | 0.088 | 0.1527 |
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For Customers Bancorp profitability analysis, we use financial ratios and fundamental drivers that measure the ability of Customers Bancorp to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well Customers Bancorp utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between Customers Bancorp's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of Customers Bancorp over time as well as its relative position and ranking within its peers.
Customers |
Customers Bancorp's Revenue Breakdown by Earning Segment
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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 (0.49) | Earnings Share 6.05 | Revenue Per Share 21.346 | Quarterly Revenue Growth (0.25) | Return On Assets 0.01 |
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.
Customers Bancorp Profit Margin vs. Current Valuation Fundamental Analysis
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. Customers Bancorp is rated below average in current valuation category among its peers. It is rated fifth in profit margin category among its peers . The ratio of Current Valuation to Profit Margin for Customers Bancorp is about 479,165,118 . As of now, Customers Bancorp's Net Profit Margin is decreasing 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 Current Valuation vs. Competition
Customers Bancorp is rated below average in current valuation category among its peers. After adjusting for long-term liabilities, total market size of Financials industry is currently estimated at about 53.86 Billion. Customers Bancorp adds roughly 154.29 Million in current valuation claiming only tiny portion of equities under Financials industry.
Customers Profit Margin vs. Current Valuation
Enterprise Value is a firm valuation proxy that approximates the current market value of a company. It is typically used to determine the takeover or merger price of a firm. Unlike Market Cap, this measure takes into account the entire liquid asset, outstanding debt, and exotic equity instruments that the company has on its balance sheet. When a takeover occurs, the parent company will have to assume the target company's liabilities but will take possession of all cash and cash equivalents.
Customers Bancorp |
| = | 154.29 M |
Enterprise Value can be a useful tool to compare companies with different capital structures. Long term liability and current cash or cash equivalents can have a huge impact on market valuation of a given company.
Profit Margin measures overall efficiency of a company and shows its ability to withstand competition as well as defend against adverse conditions such as rising costs, falling prices, decline in sales or management distress. Profit margin tells investors how well the company executes on its overall pricing strategies as well as how effective the company in controlling its costs.
Customers Bancorp |
| = | 0.32 % |
In a nutshell, Profit Margin indicator shows the amount of money the company makes from total sales or revenue. It can provide a good insight into companies in the same sector, as well as help to identify trends of a company from year to year.
Customers Profit Margin Comparison
Customers Bancorp is currently under evaluation in profit margin category among its peers.
Customers Bancorp Profitability Projections
The most important aspect of a successful company is its ability to generate a profit. For investors in Customers Bancorp, profitability is also one of the essential criteria for including it into their portfolios because, without profit, Customers Bancorp will eventually generate negative long term returns. The profitability progress is the general direction of Customers Bancorp's change in net profit over the period of time. It can combine multiple indicators of Customers Bancorp, where stable trends show no significant progress. An accelerating trend is seen as positive, while a decreasing one is unfavorable. A rising trend means that profits are rising, and operational efficiency may be rising as well. A decreasing trend is a sign of poor performance and may indicate upcoming losses.
| Last Reported | Projected for Next Year | ||
| Accumulated Other Comprehensive Income | -136.6 M | -129.7 M | |
| Operating Income | 330.7 M | 202.4 M | |
| Income Before Tax | 330.7 M | 347.3 M | |
| Total Other Income Expense Net | 330.7 M | 347.3 M | |
| Net Income Applicable To Common Shares | 251.2 M | 263.7 M | |
| Net Income | 250.1 M | 262.7 M | |
| Income Tax Expense | 80.6 M | 84.6 M | |
| Net Income From Continuing Ops | 216.8 M | 140.8 M | |
| Net Interest Income | 650.1 M | 441.3 M | |
| Interest Income | 1.3 B | 651.1 M | |
| Change To Netincome | -289.1 M | -303.6 M | |
| Net Income Per Share | 7.96 | 8.36 | |
| Income Quality | 0.50 | 0.52 | |
| Net Income Per E B T | 0.76 | 0.57 |
Customers Profitability Driver Comparison
Profitability drivers are factors that can directly affect your investment outlook on Customers Bancorp. Investors often realize that things won't turn out the way they predict. There are maybe way too many unforeseen events and contingencies during the holding period of Customers Bancorp position where the market behavior may be hard to predict, tax policy changes, gold or oil price hikes, calamities change, and many others. The question is, are you prepared for these unexpected events? Although some of these situations are obviously beyond your control, you can still follow the important profit indicators to know where you should focus on when things like this occur. Below are some of the Customers Bancorp's important profitability drivers and their relationship over time.
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To fully project Customers Bancorp's future profitability, investors should examine all historical financial statements. These statements provide investors with a comprehensive snapshot of the financial position of Customers Bancorp at a specified time, usually calculated after every quarter, six months, or one year. Three primary documents fall into the category of financial statements. These documents include Customers Bancorp's income statement, its balance sheet, and the statement of cash flows.