CUBI Valuation

Customers Bancorp Inc

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65.330

-0.41(-0.624%)1D

Overview
Forecast
Valuation
Earnings

CUBI Relative Valuation

CUBI's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, CUBI is overvalued; if below, it's undervalued.

Historical Valuation

Customers Bancorp Inc (CUBI) is now in the Fair zone, suggesting that its current forward PE ratio of 9.25 is considered Fairly compared with the five-year average of 6.08. The fair price of Customers Bancorp Inc (CUBI) is between 41.44 to 65.57 according to relative valuation methord.

Relative Value

Fair Zone

41.44-65.57

Current Price：65.33

Fair

9.25

Trailing

Forward

0.00

EV/EBITDA

Customers Bancorp Inc. (CUBI) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

Customers Bancorp Inc. (CUBI) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

2.83

Customers Bancorp Inc. (CUBI) has a current PS of 2.83. The 5-year average PS is 1.96. The thresholds are as follows: Strongly Undervalued below 0.75, Undervalued between 0.75 and 1.36, Fairly Valued between 2.57 and 1.36, Overvalued between 2.57 and 3.18, and Strongly Overvalued above 3.18. The current Forward PS of 2.83 falls within the Overvalued range.

0.00

P/OCF

Customers Bancorp Inc. (CUBI) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Customers Bancorp Inc. (CUBI) has a current P/FCF of 0.00. The 5-year average P/FCF is 1.03. The thresholds are as follows: Strongly Undervalued below -8.22, Undervalued between -8.22 and -3.59, Fairly Valued between 5.66 and -3.59, Overvalued between 5.66 and 10.28, and Strongly Overvalued above 10.28. The current Forward P/FCF of 0.00 falls within the Historic Trend Line -Fairly Valued range.

Customers Bancorp Inc (CUBI) has a current Price-to-Book (P/B) ratio of 1.17. Compared to its 3-year average P/B ratio of 0.90 , the current P/B ratio is approximately 30.03% higher. Relative to its 5-year average P/B ratio of 0.98, the current P/B ratio is about 19.17% higher. Customers Bancorp Inc (CUBI) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of -3.23%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 5.54% , the current FCF yield is about -100.00% lower.

1.17

P/B

Median3y

0.90

Median5y

0.98

0.00

FCF Yield

Median3y

-3.23

Median5y

5.54

Competitors Valuation Multiple

The average P/S ratio for CUBI's competitors is 2.93, providing a benchmark for relative valuation. Customers Bancorp Inc Corp (CUBI) exhibits a P/S ratio of , which is -100.00% above the industry average. Given its robust revenue growth of 6.88%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

CUBI.N

Customers Bancorp Inc

Enterprise Financial Services Corp

Bank of NT Butterfield & Son Ltd

First Bancorp (North Carolina)

Performance Decomposition

Market capitalization of CUBI increased by 1.32% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 169.47M to 181.13M.

The secondary factor is the Margin Expansion, contributed -1.84%to the performance.

Overall, the performance of CUBI in the past 1 year is driven by Revenue Growth. Which is more sustainable.

6.88%

169.47M → 181.13M

Revenue Growth

-1.84%

34.27 → 33.64

Margin Expansion

-3.72%

16.92 → 16.29

P/E Change

1.32%