CUBI Valuation

Customers Bancorp Inc

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68.000

+0.88(1.311%)1D

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 8.52 is considered Fairly compared with the five-year average of 6.40. The fair price of Customers Bancorp Inc (CUBI) is between 41.31 to 67.88 according to relative valuation methord.

Relative Value

Fair Zone

41.31-67.88

Current Price：67.75

Fair

8.52

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.

67.12

Customers Bancorp Inc. (CUBI) has a current PS of 67.12. The 5-year average PS is 2.33. The thresholds are as follows: Strongly Undervalued below -6.01, Undervalued between -6.01 and -1.84, Fairly Valued between 6.50 and -1.84, Overvalued between 6.50 and 10.67, and Strongly Overvalued above 10.67. The current Forward PS of 67.12 falls within the Strongly 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 1.04. The thresholds are as follows: Strongly Undervalued below -8.23, Undervalued between -8.23 and -3.59, Fairly Valued between 5.67 and -3.59, Overvalued between 5.67 and 10.30, and Strongly Overvalued above 10.30. 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 1.12. Compared to its 3-year average P/B ratio of 0.92 , the current P/B ratio is approximately 21.86% higher. Relative to its 5-year average P/B ratio of 1.02, the current P/B ratio is about 10.32% 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 -3.10%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 5.35% , the current FCF yield is about -100.00% lower.

1.12

P/B

Median3y

0.92

Median5y

1.02

0.00

FCF Yield

Median3y

-3.10

Median5y

5.35

Competitors Valuation Multiple

The average P/S ratio for CUBI's competitors is 45.24, providing a benchmark for relative valuation. Customers Bancorp Inc Corp (CUBI) exhibits a P/S ratio of 67.12, which is 48.38% above the industry average. Given its robust revenue growth of 41.09%, this premium appears sustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

CUBI.N

Customers Bancorp Inc

First Financial Bancorp

Beacon Financial Corp

First Bancorp (North Carolina)

49.62

-8.47%

2.06B

Performance Decomposition

Market capitalization of CUBI increased by 20.46% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 149.32M to 210.67M.

The secondary factor is the Margin Expansion, contributed 14.86%to the performance.

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

41.09%

149.32M → 210.67M

Revenue Growth

14.86%

31.30 → 35.95

Margin Expansion

-35.49%

20.98 → 13.53

P/E Change

20.46%