Stock CUBI CUSTOMERS BANCORP, INC.
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Financials Customers Bancorp, Inc.

Equities

CUBI

US23204G1004

Banks

Market Closed - Nyse
Other stock markets
 16:00:02 2024-05-10 EDT 		5-day change 1st Jan Change
48.86 USD +0.97% Intraday chart for Customers Bancorp, Inc. +1.26% -15.20%
04-29 Raymond James Raises Price Target on Customers Bancorp to $75 From $72, Says Selloff Creates Opportunity; Strong Buy Kept MT
04-26 Transcript : Customers Bancorp, Inc., Q1 2024 Earnings Call, Apr 26, 2024

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 745.7 574.5 2,119 921.5 1,810 1,547 -
Enterprise Value (EV) 1 745.7 574.5 2,119 921.5 1,810 1,547 1,547
P/E ratio 11.6 x 4.86 x 7.34 x 4.35 x 7.87 x 8.05 x 6.53 x
Yield - - - - - - -
Capitalization / Revenue 2.69 x 1.42 x 3.09 x 1.47 x 2.63 x 2.27 x 2.06 x
EV / Revenue 2.69 x 1.42 x 3.09 x 1.47 x 2.63 x 2.27 x 2.06 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 0.89 x 0.64 x 1.75 x 0.73 x 1.21 x 0.9 x 0.78 x
Nbr of stocks (in thousands) 31,320 31,601 32,412 32,515 31,414 31,652 -
Reference price 2 23.81 18.18 65.37 28.34 57.62 48.86 48.86
Announcement Date 20-01-22 21-01-27 22-01-24 23-01-25 24-01-25 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 277.3 403.7 686.2 624.9 689 680.5 751.8
EBITDA - - - - - - -
EBIT 1 126.3 228.4 469.8 400.7 416.6 381.4 433.8
Operating Margin 45.56% 56.58% 68.46% 64.12% 60.46% 56.05% 57.7%
Earnings before Tax (EBT) 1 102.1 176 441.2 291.3 330.7 286.3 341.3
Net income 1 64.87 118.5 300.1 218.4 235.4 201.9 245.1
Net margin 23.39% 29.36% 43.74% 34.95% 34.17% 29.68% 32.61%
EPS 2 2.050 3.740 8.910 6.510 7.320 6.069 7.478
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share - - - - - - -
Announcement Date 20-01-22 21-01-27 22-01-24 23-01-25 24-01-25 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 220.2 194 164.9 165.1 159.4 135.5 150.3 165.7 200.2 172.9 160.8 165.9 174.4 179.6 181.5
EBITDA - - - - - - - - - - - - - - -
EBIT 1 167.2 129.3 112.4 105.7 101 81.38 89.28 96.83 128.6 101.9 83.67 90.14 96.95 102.1 101.4
Operating Margin 75.94% 66.68% 68.12% 64.01% 63.37% 60.07% 59.41% 58.45% 64.22% 58.93% 52.04% 54.33% 55.58% 56.85% 55.84%
Earnings before Tax (EBT) 1 152.3 115.2 96.09 77.55 81.81 35.85 68.28 68.34 110.2 83.89 65.38 67.88 72.57 76.47 77.32
Net income 1 110.2 98.65 74.9 56.52 61.36 25.62 50.26 44.01 82.95 58.22 45.93 48.38 51.98 54.84 57.09
Net margin 50.07% 50.86% 45.41% 34.23% 38.51% 18.91% 33.45% 26.56% 41.44% 33.67% 28.56% 29.16% 29.8% 30.54% 31.45%
EPS 2 3.250 2.870 2.180 1.680 1.850 0.7700 1.550 1.390 2.580 1.790 1.400 1.456 1.569 1.648 1.670
Dividend per Share - - - - - - - - - - - - - - -
Announcement Date 21-10-27 22-01-24 22-04-27 22-07-27 22-10-26 23-01-25 23-04-27 23-07-27 23-10-26 24-01-25 24-04-25 - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 8.3% 14.6% 28.8% 17.4% 17.3% 12.9% 13.4%
ROA (Net income/ Total Assets) 0.74% 0.85% 1.64% 1.13% 1.16% 1% 1.09%
Assets 1 8,766 13,946 18,301 19,328 20,297 20,252 22,514
Book Value Per Share 2 26.70 28.40 37.30 39.10 47.70 54.40 62.70
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 20-01-22 21-01-27 22-01-24 23-01-25 24-01-25 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Ratings for Customers Bancorp, Inc.

Trading Rating
Investor Rating
ESG Refinitiv
C+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
10
Last Close Price
48.86 USD
Average target price
65.4 USD
Spread / Average Target
+33.85%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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