CUBI

Customers Bancorp, Inc. [CUBI] Stock Forecast

Q: What is Customers Bancorp, Inc. stock symbol ?

Customers Bancorp, Inc. is a US stock, located in West reading of Pa and trading under the symbol CUBI

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CUBI Stock Summary

Earnings have grown 127.39% per last year.

Earnings are expected to fall -100% next year

CUBI has less than 1 year of cash runway

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CUBI Financial details

Company Rating

Buy

Market Cap

1.54B

Income

250.14M

Revenue

918.13M

Book val./share

52.2

Cash/share

199.2

Dividend

Dividend %

Employees

711

Optionable

Shortable

Yes

Earnings

25 Apr 2024

P/E

7.51

Forward P/E

PEG

6.2

P/S

2.39

P/B

1.04

P/C

0.24

P/FCF

-16.43

Quick Ratio

23.89

Current Ratio

74.66

Debt / Equity

0.92

LT Debt / Equity

0.91

EPS (TTM)

7.5

EPS next Y

EPS next Q

EPS this Y

11.96%

EPS next Y

EPS next 5Y

EPS last 5Y

29.21%

Revenue last 5Y

32.17%

Revenue Q/Q

70.61%

EPS Q/Q

-29.81%

SMA20

-5.88%

SMA50

-7.69%

SMA100

6.67%

Inst Own

61.97%

Inst Trans

0.77%

ROA

ROE

15%

ROC

0.03%

Gross Margin

100%

Oper. Margin

85%

Profit Margin

32%

Payout

Shs Outstand

Shs Float

Target Price

52W Range

15.8-60.09

52W High

-20.45%

52W Low

+218.2%

RSI

Rel Volume

0.62

Avg Volume

277.68K

Volume

172.98K

Perf Week

-4.35%

Perf Month

-12.87%

Perf Quarter

20.05%

Perf Half Y

37.51%

Beta

1.649

Volatility

0.89%, 2.3%

Prev Close

1.92%

Price

47.73

Change

2.71%

CUBI Financial Performance

Yearly Fundamentals Overview

Last date of statement is 2023-12-31

Metric	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31
	2.02K	2.02K	2.02K	2.02K	2.02K
Revenue per share	11.43	15.94	23.17	19.38	45.74
Net income per share	2.54	4.21	9.74	6.99	7.96
Operating cash flow per share	2.51	4.22	8.39	-0.64	10.52
Free cash flow per share	0.9	3.31	7.37	-4.11	10.51
Cash per share	25.92	60.42	134.17	105.52	198.88
Book value per share	33.76	35.46	42.28	42.99	52.12
Tangible book value per share	33.27	35	42.17	42.88	52
Share holders equity per share	33.76	35.46	42.28	42.99	52.12
Interest debt per share	60.44	68.08	58.82	51.09	51.45
Market cap	742.49M	572.79M	2.11B	924.81M	1.81B
Enterprise value	1.68B	1.03B	2.7B	1.87B	-507.7M
P/E ratio	9.36	4.32	6.71	4.06	7.24
Price to sales ratio	2.08	1.14	2.82	1.46	1.26
POCF ratio	9.49	4.31	7.79	-44.41	5.48
PFCF ratio	26.5	5.5	8.87	-6.89	5.48
P/B Ratio	0.71	0.51	1.55	0.66	1.11
PTB ratio	0.71	0.51	1.55	0.66	1.11
EV to sales	4.72	2.06	3.61	2.96	-0.35
Enterprise value over EBITDA	15.1	5.43	6.44	3.25	-1.54
EV to operating cash flow	21.52	7.78	9.95	-90.01	-1.53
EV to free cash flow	60.12	9.94	11.33	-13.97	-1.54
Earnings yield	0.11	0.23	0.15	0.25	0.14
Free cash flow yield	0.04	0.18	0.11	-0.15	0.18
Debt to equity	1.61	1.8	1.32	1	0.92
Debt to assets	0.15	0.11	0.09	0.07	0.07
Net debt to EBITDA	8.44	2.42	1.4	1.65	-7.01
Current ratio	6.71	1.9	4.65	81.95	0.32
Interest coverage	0.55	1.26	4.19	2.11	3.2
Income quality	0.99	1	0.77	-0.09	1.32
Dividend Yield	0.02	0.02	0.01	0.01	0.01
Payout ratio	0.18	0.11	0.03	0.04	0.06
Sales general and administrative to revenue	0.44	0.38	0.27	0.19	0.12
Research and developement to revenue	0	0	0	0	0
Intangibles to total assets	0	0	0	0	0
Capex to operating cash flow	-0.64	-0.22	-0.12	5.44	0
Capex to revenue	-0.14	-0.06	-0.04	-0.18	0
Capex to depreciation	-2.2	-0.95	-1.52	-4.17	-0.02
Stock based compensation to revenue	0.03	0.03	0.02	0.02	0.01
Graham number	43.96	57.94	96.25	82.22	96.6
ROIC	0.03	0.04	0.1	0.15	0.08
Return on tangible assets	0.01	0.01	0.02	0.01	0.01
Graham Net	-312.87	-499.75	-436.67	-489	-689.84
Working capital	720.21M	942.27M	3.48B	18.67B	-8.55B
Tangible asset value	1.04B	1.1B	1.36B	1.4B	1.63B
Net current asset value	-9.62B	-15.34B	-13.78B	-591.04M	-15.72B
Invested capital	1.61	1.8	1.32	1	0.92
Average receivables	35.51M	59.24M	86.33M	107.81M	119.07M
Average payables	96.35M	159.01M	221.46M	240.9M	115.33M
Average inventory	-125.38M	-512.59M	-692.42M	-305.21M	-8.35B
Days sales outstanding	38.97	58.43	44.98	71.21	29.13
Days payables outstanding	0	0	0	0	0
Days of inventory on hand	0	0	0	0	-86.34K
Receivables turnover	9.37	6.25	8.12	5.13	12.53
Payables turnover	0	0	0	0	0
Inventory turnover	0	0	0	0	0
ROE	0.08	0.12	0.23	0.16	0.15
Capex per share	-1.61	-0.92	-1.02	-3.47	-0.02

Quarterly Fundamentals Overview

Last date of statement is 2023-12-31 for Q4

Metric	2022-12-31	2023-03-31	2023-06-30	2023-09-30	2023-12-31
	2.02K	2.02K	2.02K	2.02K	2.02K
Revenue per share	4	5.13	5.65	6.83	11.62
Net income per share	0.89	1.69	1.52	2.77	1.98
Operating cash flow per share	-9.13	0.55	2.86	4.35	2.3
Free cash flow per share	-9.93	0.48	2.45	4.17	2.3
Cash per share	106.23	156.31	191.33	197.92	199.2
Book value per share	43.28	44.66	46.61	49.91	52.2
Tangible book value per share	43.17	44.55	46.49	49.79	52.09
Share holders equity per share	43.28	44.66	46.61	49.91	52.2
Interest debt per share	47.51	143.86	146.07	113.28	48.98
Market cap	918.6M	589.29M	945.75M	1.08B	1.81B
Enterprise value	1.87B	900.42M	142.47M	-506.24M	-510.61M
P/E ratio	8	2.74	4.97	3.11	7.28
Price to sales ratio	7.08	3.61	5.36	5.04	4.96
POCF ratio	-3.1	33.6	10.57	7.92	25.02
PFCF ratio	-2.85	38.44	12.34	8.27	25.05
P/B Ratio	0.65	0.41	0.65	0.69	1.1
PTB ratio	0.65	0.41	0.65	0.69	1.1
EV to sales	14.4	5.51	0.81	-2.37	-1.4
Enterprise value over EBITDA	10.56	3.73	1.88	-4.31	-69.41
EV to operating cash flow	-6.32	51.34	1.59	-3.72	-7.07
EV to free cash flow	-5.81	58.73	1.86	-3.88	-7.07
Earnings yield	0.03	0.09	0.05	0.08	0.03
Free cash flow yield	-0.35	0.03	0.08	0.12	0.04
Debt to equity	1	3.11	3.02	2.16	0.92
Debt to assets	0.07	0.2	0.2	0.15	0.07
Net debt to EBITDA	5.37	1.29	-10.62	-13.48	-315.21
Current ratio	81.95	70.78	22.63	74.66	0.32
Interest coverage	1.27	1.41	0.41	0.62	0
Income quality	-10.3	0.33	1.88	1.57	1.16
Dividend Yield	0	0.01	0	0	0
Payout ratio	0.1	0.06	0.07	0.04	0.06
Sales general and administrative to revenue	0.24	0.21	0.34	0.2	0
Research and developement to revenue	0	0	0	0	0
Intangibles to total assets	0	0	0	0	0
Capex to operating cash flow	0.09	-0.13	-0.14	-0.04	0
Capex to revenue	-0.2	-0.01	-0.07	-0.03	0
Capex to depreciation	-3.64	-0.25	-1.66	-0.75	-0.01
Stock based compensation to revenue	0.03	0.02	0.02	0.02	0.01
Graham number	29.37	41.19	39.95	55.8	48.21
ROIC	0.05	0.03	0.01	0.02	0
Return on tangible assets	0	0	0	0	0
Graham Net	-492.31	-285.83	-516.41	-289.84	-668.66
Working capital	18.67B	17.39B	5.83B	19.48B	-8.55B
Tangible asset value	1.4B	1.42B	1.45B	1.56B	1.63B
Net current asset value	-591.04M	-2.69B	-14.47B	-554.48M	-15.72B
Invested capital	1	3.11	3.02	2.16	0.92
Average receivables	115.5M	123.56M	121.63M	121.74M	119.38M
Average payables	259.26M	239.92M	259.35M	266.97M	132.2M
Average inventory	7.34B	6.17B	4.53B	3.3B	-2.71B
Days sales outstanding	85.55	68.18	60.94	52.22	28.33
Days payables outstanding	0	0	0	0	0
Days of inventory on hand	0	0	0	0	0
Receivables turnover	1.05	1.32	1.48	1.72	3.18
Payables turnover	0	0	0	0	0
Inventory turnover	0	0	0	0	0
ROE	0.02	0.04	0.03	0.06	0.04
Capex per share	-0.8	-0.07	-0.41	-0.18	0

CUBI Frequently Asked Questions

What is Customers Bancorp, Inc. stock symbol ?

Customers Bancorp, Inc. is a US stock , located in West reading of Pa and trading under the symbol CUBI

What is Customers Bancorp, Inc. stock quote today ?

Customers Bancorp, Inc. stock price is $47.73 today.

Is Customers Bancorp, Inc. stock public?

Yes, Customers Bancorp, Inc. is a publicly traded company.

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Company Profile

Volume Average 277.68K
Market Capitalization 1.54B
Employee 711
CEO Mr. Jay S. Sidhu
Headquarters West Reading,PA,US
IPO Date 2012-03-14
Website https://www.customersbank.com

Customers Bancorp, Inc. operates as the bank holding company for Customers Bank that provides financial products and services to individual consumers, and small and middle market businesses. The company offers deposits products, including checking, savings, MMDA, and other deposits accounts. It offers loan products, including commercial mortgage warehouse loans, multi-family and commercial real estate loans, business banking, small business loans, equipment financing, residential mortgage loans, and installment loans. It also offers traditional banking activities, including mobile phone banking, internet banking, wire transfers, electronic bill payment, lock box services, remote deposit capture services, courier services, merchant processing services, cash vault, controlled disbursements, positive pay, cash management services, such as account reconciliation, collections, and sweep accounts. It operates 12 full-service branches, as well as limited production and administrative offices in Southeastern Pennsylvania, including Bucks, Berks, Chester, Philadelphia, and Delaware Counties; Harrisburg, Pennsylvania; Rye Brook and New York; Hamilton, New Jersey; Boston, Massachusetts; Providence, Rhode Island; Portsmouth, New Hampshire; Manhattan and Melville, New York; Washington D.C.; Chicago, Illinois; Dallas, Texas; Orlando, Florida; and Wilmington, North Carolina. Customers Bancorp, Inc. was founded in 1994 and is headquartered in West Reading, Pennsylvania.