(CUBI) Customers Bancorp - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 2.449m USD | Total Return: 46.8% in 12m
Avg Turnover: 23.7M
EPS Trend: 36.3%
Qual. Beats: 0
Rev. Trend: 37.4%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Customers Bancorp, Inc. (CUBI) is a bank holding company headquartered in Pennsylvania that operates through its subsidiary, Customers Bank. The institution provides a comprehensive suite of commercial and consumer deposit products, including demand, savings, and time deposit accounts. Its lending portfolio is diversified across commercial and industrial (C&I) loans, real estate, and specialized financing sectors such as healthcare, technology, and venture capital.
The company distinguishes itself within the regional banking sector by integrating blockchain technology through the TassatPay platform for instant B2B payments and offering Banking-as-a-Service (BaaS) to fintech partners. Regional banks often utilize these niche digital services to diversify non-interest income and capture lower-cost deposits compared to traditional retail models. This strategy aligns with the broader industry trend of mid-sized lenders adopting financial technology to compete with national institutions.
For a more granular look at the companys valuation metrics, consider exploring the data on ValueRay. The firm also maintains a significant presence in mortgage warehouse lending and Small Business Administration (SBA) programs, providing liquidity to various segments of the credit market.
- Net interest margin sensitivity to Federal Reserve monetary policy shifts
- Expansion of Banking-as-a-Service and fintech partnerships drives non-interest income
- Commercial and industrial loan growth offsets commercial real estate concentration risks
- Adoption of blockchain-based TassatPay platform scales B2B payment volume
- Regulatory scrutiny of digital asset and fintech integration affects valuation multiples
| Net Income: 280.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.34 > 1.0 |
| NWC/Revenue: -1.04k% < 20% (prev -1.14k%; Δ 98.30% < -1%) |
| CFO/TA 0.02 > 3% & CFO 435.7m > Net Income 280.8m |
| Net Debt (1.81b) to EBITDA (428.6m): 4.23 < 3 |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (35.3m) vs 12m ago 8.69% < -2% |
| Gross Margin: 54.83% > 18% (prev 0.43%; Δ 5.44k% > 0.5%) |
| Asset Turnover: 6.21% > 50% (prev 5.79%; Δ 0.42% > 0%) |
| Interest Coverage Ratio: 0.64 > 6 (EBITDA TTM 428.6m / Interest Expense TTM 606.6m) |
| A: -0.60 (Total Current Assets 194.2m - Total Current Liabilities 15.8b) / Total Assets 25.9b |
| B: 0.06 (Retained Earnings 1.60b / Total Assets 25.9b) |
| C: 0.02 (EBIT TTM 389.2m / Avg Total Assets 24.2b) |
| D: 0.07 (Book Value of Equity 1.59b / Total Liabilities 23.7b) |
| Altman-Z'' = -3.56 = D |
| DSRI: 0.86 (Receivables 105.0m/105.8m, Revenue 1.50b/1.30b) |
| GMI: 0.79 (GM 54.83% / 43.43%) |
| AQI: 1.23 (AQ_t 0.99 / AQ_t-1 0.81) |
| SGI: 1.16 (Revenue 1.50b / 1.30b) |
| TATA: -0.01 (NI 280.8m - CFO 435.7m) / TA 25.9b) |
| Beneish M = -3.09 (Cap -4..+1) = AA |
As of May 24, 2026, the stock is trading at USD 75.69 with a total of 166,504 shares traded.
Over the past week, the price has changed by +3.78%,
over one month by -1.91%,
over three months by +7.97% and
over the past year by +46.83%.
Customers Bancorp has received a consensus analysts rating of 3.88. Therefore, it is recommended to buy CUBI.
- StrongBuy: 3
- Buy: 1
- Hold: 4
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 90.2 | 19.1% |
P/E Forward = 10.4384
P/S = 3.0313
P/B = 1.2135
P/EG = 1.1828
Revenue TTM = 1.50b USD
EBIT TTM = 389.2m USD
EBITDA TTM = 428.6m USD
Long Term Debt = 1.71b USD (from longTermDebt, last fiscal year)
Short Term Debt = 70.0m USD (from shortTermDebt, last quarter)
Debt = 1.90b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.81b USD (calculated: Debt 1.90b - CCE 89.2m)
Enterprise Value = 4.26b USD (2.45b + Debt 1.90b - CCE 89.2m)
Interest Coverage Ratio = 0.64 (Ebit TTM 389.2m / Interest Expense TTM 606.6m)
EV/FCF = 14.45x (Enterprise Value 4.26b / FCF TTM 295.1m)
FCF Yield = 6.92% (FCF TTM 295.1m / Enterprise Value 4.26b)
FCF Margin = 19.68% (FCF TTM 295.1m / Revenue TTM 1.50b)
Net Margin = 18.73% (Net Income TTM 280.8m / Revenue TTM 1.50b)
Gross Margin = 54.83% ((Revenue TTM 1.50b - Cost of Revenue TTM 677.3m) / Revenue TTM)
Gross Margin QoQ = 54.58% (prev 61.11%)
Tobins Q-Ratio = 0.16 (Enterprise Value 4.26b / Total Assets 25.9b)
Interest Expense / Debt = 31.88% (Interest Expense 606.6m / Debt 1.90b)
Taxrate = 22.87% (20.7m / 90.3m)
NOPAT = 300.2m (EBIT 389.2m * (1 - 22.87%))
Current Ratio = 0.01 (Total Current Assets 194.2m / Total Current Liabilities 15.8b)
Debt / Equity = 0.89 (Debt 1.90b / totalStockholderEquity, last quarter 2.14b)
Debt / EBITDA = 4.23 (Net Debt 1.81b / EBITDA 428.6m)
Debt / FCF = 6.15 (Net Debt 1.81b / FCF TTM 295.1m)
Total Stockholder Equity = 2.06b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.16% (Net Income 280.8m / Total Assets 25.9b)
RoE = 13.62% (Net Income TTM 280.8m / Total Stockholder Equity 2.06b)
RoCE = 10.33% (EBIT 389.2m / Capital Employed (Equity 2.06b + L.T.Debt 1.71b))
RoIC = 1.16% (NOPAT 300.2m / Invested Capital 25.8b)
WACC = 16.23% (E(2.45b)/V(4.35b) * Re(9.73%) + D(1.90b)/V(4.35b) * Rd(31.88%) * (1-Tc(0.23)))
Discount Rate = 9.73% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 24.44 | Cagr: 3.73%
[DCF] Terminal Value 56.66% ; FCFF base≈249.1m ; Y1≈285.6m ; Y5≈420.3m
[DCF] Fair Price = 23.58 (EV 2.61b - Net Debt 1.81b = Equity 797.6m / Shares 33.8m; r=16.23% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 36.34 | EPS CAGR: 5.32% | SUE: 0.44 | # QB: 0
Revenue Correlation: 37.36 | Revenue CAGR: 2.96% | SUE: 0.74 | # QB: 0
EPS current Quarter (2026-06-30): EPS=2.04 | Chg30d=+0.98% | Revisions=+23% | Analysts=10
EPS next Quarter (2026-09-30): EPS=2.19 | Chg30d=+2.23% | Revisions=+29% | Analysts=10
EPS current Year (2026-12-31): EPS=8.48 | Chg30d=+2.39% | Revisions=+71% | GrowthEPS=+11.5% | GrowthRev=+7.4%
EPS next Year (2027-12-31): EPS=9.58 | Chg30d=+2.41% | Revisions=+54% | GrowthEPS=+13.0% | GrowthRev=+10.0%
[Analyst] Revisions Ratio: +71%