Customers Bancorp Net Income vs. Shares Owned By Insiders

CUBI Stock  USD 53.01  1.00  1.85%   
Considering Customers Bancorp's profitability and operating efficiency indicators, Customers Bancorp may not be well positioned to generate adequate gross income at this time. It has a very high probability of underperforming in January. Profitability indicators assess Customers Bancorp's ability to earn profits and add value for shareholders.
 
Net Income  
First Reported
2010-03-31
Previous Quarter
58.1 M
Current Value
46.7 M
Quarterly Volatility
26.4 M
 
Credit Downgrade
 
Yuan Drop
 
Covid
As of now, Customers Bancorp's Operating Cash Flow Sales Ratio is increasing as compared to previous years. The Customers Bancorp's current Days Of Sales Outstanding is estimated to increase to 8,432, while EV To Sales is forecasted to increase to (0.71). As of now, Customers Bancorp's Net Income is increasing as compared to previous years. The Customers Bancorp's current Income Tax Expense is estimated to increase to about 84.6 M, while Accumulated Other Comprehensive Income is forecasted to increase to (129.7 M).
Current ValueLast YearChange From Last Year 10 Year Trend
Gross Profit Margin0.780.88
Fairly Down
Slightly volatile
Net Profit Margin0.350.366
Sufficiently Down
Pretty Stable
Operating Profit Margin0.70.5946
Fairly Up
Slightly volatile
Pretax Profit Margin0.480.484
Slightly Down
Pretty Stable
Return On Assets0.00660.0117
Way Down
Slightly volatile
Return On Equity0.0880.1527
Way Down
Slightly volatile
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 Bancorp's Revenue Breakdown by Earning Segment

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For more detail on how to invest in Customers Stock please use our How to Invest in Customers Bancorp guide.
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 Shares Owned By Insiders vs. Net Income 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 net income category among its peers. It is rated below average in shares owned by insiders category among its peers . The ratio of Net Income to Shares Owned By Insiders for Customers Bancorp is about  34,360,302 . As of now, Customers Bancorp's Net Income 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 Shares Owned By Insiders vs. Net Income

Net income is the profit of a company for the reporting period, which is derived after taking revenues and gains and subtracting all expenses and losses. Net income is one of the most-watched numbers by money managers as well as individual investors.

Customers Bancorp

Net Income

 = 

(Rev + Gain)

-

(Exp + Loss)

 = 
250.14 M
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
Shares Owned by Insiders show the percentage of outstanding shares owned by insiders (such as principal officers or members of the board of directors) or private individuals and entities with over 5% of the total shares outstanding. Company executives or private individuals with access to insider information share information about a firm's operations that is not available to the general public.

Customers Bancorp

Insiders Shares

 = 

Executives Shares

+

Employees

 = 
7.28 %
Although the research on effects of insider trading on prices and volatility is still relatively inconclusive, and investors are advised to pay close attention to the distribution of equities among company's stakeholders to avoid many problems associated with the disclosure of price-sensitive information.

Customers Shares Owned By Insiders Comparison

Customers Bancorp is currently under evaluation in shares owned by insiders 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 ReportedProjected for Next Year
Accumulated Other Comprehensive Income-136.6 M-129.7 M
Operating Income330.7 M202.4 M
Income Before Tax330.7 M347.3 M
Total Other Income Expense Net330.7 M347.3 M
Net Income Applicable To Common Shares251.2 M263.7 M
Net Income250.1 M262.7 M
Income Tax Expense80.6 M84.6 M
Net Income From Continuing Ops216.8 M140.8 M
Net Interest Income650.1 M441.3 M
Interest Income1.3 B651.1 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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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:
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For more detail on how to invest in Customers Stock please use our How to Invest in Customers Bancorp guide.
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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.
Potential Customers Bancorp investors and stakeholders can use historical trends found within financial statements to determine how well the company is positioned for the future. Although Customers Bancorp investors may work on each financial statement separately, they are all related. The changes in Customers Bancorp's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on Customers Bancorp's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.