Customers Bancorp Statistics

Total Valuation

CUBI has a market cap or net worth of $1.52 billion. The enterprise value is -$670.72 million.

Market Cap	1.52B
Enterprise Value	-670.72M

Important Dates

The last earnings date was Thursday, April 25, 2024, after market close.

Earnings Date	Apr 25, 2024
Ex-Dividend Date	n/a

Share Statistics

CUBI has 31.65 million shares outstanding. The number of shares has decreased by -0.37% in one year.

Shares Outstanding	31.65M
Shares Change (YoY)	-0.37%
Shares Change (QoQ)	+0.23%
Owned by Insiders (%)	7.50%
Owned by Institutions (%)	88.45%
Float	29.45M

Valuation Ratios

The trailing PE ratio is 6.75 and the forward PE ratio is 7.26.

PE Ratio	6.75
Forward PE	7.26
PS Ratio	2.19
Forward PS	2.12
PB Ratio	0.90
P/FCF Ratio	32.25
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	0.89
Debt / EBITDA	4.18
Debt / FCF	31.67
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 14.60% and return on invested capital (ROIC) is 7.71%.

Return on Equity (ROE)	14.60%
Return on Assets (ROA)	1.10%
Return on Capital (ROIC)	7.71%
Revenue Per Employee	$979,737
Profits Per Employee	$323,682
Employee Count	714
Asset Turnover	0.03
Inventory Turnover	n/a

Taxes

In the past 12 months, CUBI has paid $81.69 million in taxes.

Income Tax	81.69M
Effective Tax Rate	26.11%

Stock Price Statistics

The stock price has increased by +121.35% in the last 52 weeks. The beta is 1.67, so CUBI's price volatility has been higher than the market average.

Beta (1Y)	1.67
52-Week Price Change	+121.35%
50-Day Moving Average	49.79
200-Day Moving Average	45.51
Relative Strength Index (RSI)	50.40
Average Volume (30 Days)	297,875

Short Selling Information

The latest short interest is 2.12 million, so 6.69% of the outstanding shares have been sold short.

Short Interest	2.12M
Short Previous Month	1.98M
Short % of Shares Out	6.69%
Short % of Float	7.19%
Short Ratio (days to cover)	6.18

Income Statement

In the last 12 months, CUBI had revenue of $699.53 million and earned $231.11 million in profits. Earnings per share was $7.16.

Revenue	699.53M
Gross Profit	669.54M
Operating Income	327.83M
Pretax Income	327.83M
Net Income	231.11M
EBITDA	359.06M
EBIT	327.83M
Earnings Per Share (EPS)	$7.16

Full Income Statement

Balance Sheet

The company has $3.70 billion in cash and $1.50 billion in debt, giving a net cash position of $2.20 billion or $69.50 per share.

Cash & Cash Equivalents	3.70B
Total Debt	1.50B
Net Cash	2.20B
Net Cash Per Share	$69.50
Equity / Book Value	1.69B
Book Value Per Share	53.44
Working Capital	n/a

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $88.37 million and capital expenditures -$40.97 million, giving a free cash flow of $47.41 million.

Operating Cash Flow	88.37M
Capital Expenditures	-40.97M
Free Cash Flow	47.41M
FCF Per Share	$1.51

Full Cash Flow Statement

Margins

Gross margin is 95.71%, with operating and profit margins of 46.86% and 33.04%.

Gross Margin	95.71%
Operating Margin	46.86%
Pretax Margin	46.86%
Profit Margin	33.04%
EBITDA Margin	51.33%
EBIT Margin	46.86%
FCF Margin	6.78%

Dividends & Yields

CUBI does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	0.37%
Shareholder Yield	0.37%
Earnings Yield	15.11%
FCF Yield	3.10%

Dividend Details

Analyst Forecast

The average price target for CUBI is $61.29, which is 27.79% higher than the current price. The consensus rating is "Strong Buy".

Price Target	$61.29
Price Target Difference	27.79%
Analyst Consensus	Strong Buy
Analyst Count	7
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Forecasts

Stock Splits

The last stock split was on May 22, 2014. It was a forward split with a ratio of 11:10.

Last Split Date	May 22, 2014
Split Type	Forward
Split Ratio	11:10

Scores

Altman Z-Score	n/a
Piotroski F-Score	6