Customers Bancorp Price To Earning vs. Price To Sales

CUBI Stock  USD 56.45  0.39  0.69%   
Considering Customers Bancorp's profitability and operating efficiency indicators, Customers Bancorp may not be well positioned to generate adequate gross income at this time. It has a very high probability of underperforming in December. Profitability indicators assess Customers Bancorp's ability to earn profits and add value for shareholders. As of now, Customers Bancorp's Operating Cash Flow Sales Ratio is increasing as compared to previous years. The Customers Bancorp's current Days Of Sales Outstanding is estimated to increase to 8,432, while EV To Sales is forecasted to increase to (0.71). As of now, Customers Bancorp's Net Income is increasing as compared to previous years. The Customers Bancorp's current Income Tax Expense is estimated to increase to about 84.6 M, while Accumulated Other Comprehensive Income is forecasted to increase to (129.7 M).
Current ValueLast YearChange From Last Year 10 Year Trend
Gross Profit Margin0.780.88
Fairly Down
Slightly volatile
Net Profit Margin0.350.366
Sufficiently Down
Pretty Stable
Operating Profit Margin0.70.5946
Fairly Up
Slightly volatile
Pretax Profit Margin0.480.484
Slightly Down
Pretty Stable
Return On Assets0.00660.0117
Way Down
Slightly volatile
Return On Equity0.0880.1527
Way Down
Slightly volatile
For Customers Bancorp profitability analysis, we use financial ratios and fundamental drivers that measure the ability of Customers Bancorp to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well Customers Bancorp utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between Customers Bancorp's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of Customers Bancorp over time as well as its relative position and ranking within its peers.
  

Customers Bancorp's Revenue Breakdown by Earning Segment

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Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Customers Bancorp. If investors know Customers will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Customers Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.49)
Earnings Share
6.16
Revenue Per Share
21.346
Quarterly Revenue Growth
(0.25)
Return On Assets
0.01
The market value of Customers Bancorp is measured differently than its book value, which is the value of Customers that is recorded on the company's balance sheet. Investors also form their own opinion of Customers Bancorp's value that differs from its market value or its book value, called intrinsic value, which is Customers Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Customers Bancorp's market value can be influenced by many factors that don't directly affect Customers Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Customers Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if Customers Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Customers Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

Customers Bancorp Price To Sales vs. Price To Earning Fundamental Analysis

Comparative valuation techniques use various fundamental indicators to help in determining Customers Bancorp's current stock value. Our valuation model uses many indicators to compare Customers Bancorp value to that of its competitors to determine the firm's financial worth.
Customers Bancorp is rated below average in price to earning category among its peers. It is rated below average in price to sales category among its peers fabricating about  0.39  of Price To Sales per Price To Earning. The ratio of Price To Earning to Price To Sales for Customers Bancorp is roughly  2.55 . As of now, Customers Bancorp's Price To Sales Ratio is decreasing as compared to previous years. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Customers Bancorp's earnings, one of the primary drivers of an investment's value.

Customers Price To Sales vs. Price To Earning

Price to Earnings ratio is typically used for current valuation of a company and is one of the most popular ratios that investors monitor daily. Holding a low PE stock is less risky because when a company's profitability falls, it is likely that earnings will also go down as well. In other words, if you start from a lower position, your downside risk is limited. There are also some investors who believe that low Price to Earnings ratio reflects the low pricing because a given company is in trouble. On the other hand, a higher PE ratio means that investors are paying more for each unit of profit.

Customers Bancorp

P/E

 = 

Market Value Per Share

Earnings Per Share

 = 
6.75 X
Generally speaking, the Price to Earnings ratio gives investors an idea of what the market is willing to pay for the company's current earnings.
Price to Sales ratio is typically used for valuing equity relative to its own past performance as well as to performance of other companies or market indexes. In most cases, the lower the ratio, the better it is for investors. However, it is advisable for investors to exercise caution when looking at price-to-sales ratios across different industries.

Customers Bancorp

P/S

 = 

MV Per Share

Revenue Per Share

 = 
2.65 X
The most critical factor to remember is that the price of equity takes a firm's debt into account, whereas the sales indicators do not consider financial leverage. Generally speaking, Price to Sales ratio shows how much market values every dollar of the company's sales.

Customers Price To Sales Comparison

Customers Bancorp is currently under evaluation in price to sales category among its peers.

Customers Bancorp Profitability Projections

The most important aspect of a successful company is its ability to generate a profit. For investors in Customers Bancorp, profitability is also one of the essential criteria for including it into their portfolios because, without profit, Customers Bancorp will eventually generate negative long term returns. The profitability progress is the general direction of Customers Bancorp's change in net profit over the period of time. It can combine multiple indicators of Customers Bancorp, where stable trends show no significant progress. An accelerating trend is seen as positive, while a decreasing one is unfavorable. A rising trend means that profits are rising, and operational efficiency may be rising as well. A decreasing trend is a sign of poor performance and may indicate upcoming losses.
Last ReportedProjected for Next Year
Accumulated Other Comprehensive Income-136.6 M-129.7 M
Operating Income330.7 M202.4 M
Income Before Tax330.7 M347.3 M
Total Other Income Expense Net330.7 M347.3 M
Net Income Applicable To Common Shares251.2 M263.7 M
Net Income250.1 M262.7 M
Income Tax Expense80.6 M84.6 M
Net Income From Continuing Ops216.8 M140.8 M
Net Interest Income650.1 M441.3 M
Interest Income1.3 B651.1 M
Change To Netincome-289.1 M-303.6 M
Net Income Per Share 7.96  8.36 
Income Quality 0.50  0.52 
Net Income Per E B T 0.76  0.57 

Customers Profitability Driver Comparison

Profitability drivers are factors that can directly affect your investment outlook on Customers Bancorp. Investors often realize that things won't turn out the way they predict. There are maybe way too many unforeseen events and contingencies during the holding period of Customers Bancorp position where the market behavior may be hard to predict, tax policy changes, gold or oil price hikes, calamities change, and many others. The question is, are you prepared for these unexpected events? Although some of these situations are obviously beyond your control, you can still follow the important profit indicators to know where you should focus on when things like this occur. Below are some of the Customers Bancorp's important profitability drivers and their relationship over time.

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Our tools can tell you how much better you can do entering a position in Customers Bancorp without increasing your portfolio risk or giving up the expected return. As an individual investor, you need to find a reliable way to track all your investment portfolios. However, your requirements will often be based on how much of the process you decide to do yourself. In addition to allowing all investors analytical transparency into all their portfolios, our tools can evaluate risk-adjusted returns of your individual positions relative to your overall portfolio.

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When determining whether Customers Bancorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Customers Bancorp's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Customers Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Customers Bancorp Stock:
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For more detail on how to invest in Customers Stock please use our How to Invest in Customers Bancorp guide.
You can also try the Portfolio Rebalancing module to analyze risk-adjusted returns against different time horizons to find asset-allocation targets.
To fully project Customers Bancorp's future profitability, investors should examine all historical financial statements. These statements provide investors with a comprehensive snapshot of the financial position of Customers Bancorp at a specified time, usually calculated after every quarter, six months, or one year. Three primary documents fall into the category of financial statements. These documents include Customers Bancorp's income statement, its balance sheet, and the statement of cash flows.
Potential Customers Bancorp investors and stakeholders can use historical trends found within financial statements to determine how well the company is positioned for the future. Although Customers Bancorp investors may work on each financial statement separately, they are all related. The changes in Customers Bancorp's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on Customers Bancorp's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.