Customers Bancorp Stock Analysis
CUBI Stock | USD 57.66 1.55 2.76% |
Customers Bancorp is overvalued with Real Value of 51.03 and Target Price of 47.83. The main objective of Customers Bancorp stock analysis is to determine its intrinsic value, which is an estimate of what Customers Bancorp is worth, separate from its market price. There are two main types of Customers Bancorp's stock analysis: fundamental analysis and technical analysis.
The Customers Bancorp stock is traded in the USA on New York Stock Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and Customers Bancorp's ongoing operational relationships across important fundamental and technical indicators.
Customers |
Customers Stock Analysis Notes
About 94.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 1.06. Some equities with similar Price to Book (P/B) outperform the market in the long run. Customers Bancorp recorded earning per share (EPS) of 6.16. The entity had not issued any dividends in recent years. The firm had 11:10 split on the 22nd of May 2014. Customers Bancorp, Inc. operates as the bank holding company for Customers Bank that provides financial products and services to individual consumers, and small and middle market businesses. Customers Bancorp, Inc. was founded in 1994 and is headquartered in West Reading, Pennsylvania. Customers Bancorp operates under BanksRegional classification in the United States and is traded on New York Stock Exchange. It employs 672 people. For more info on Customers Bancorp please contact Richard Ehst at 610 933 2000 or go to https://www.customersbank.com.Customers Bancorp Investment Alerts
Customers Bancorp had very high historical volatility over the last 90 days | |
Customers Bancorp has a frail financial position based on the latest SEC disclosures | |
Over 94.0% of the company shares are held by institutions such as insurance companies | |
Latest headline from pymnts.com: Fraudsters Shift Tactics to Customers, Challenging Financial Institutions to Innovate |
Customers Bancorp Upcoming and Recent Events
Every quarterly earnings report provides investors with three things: an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Customers Bancorp previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
25th of April 2024 Upcoming Quarterly Report | View | |
25th of July 2024 Next Financial Report | View | |
31st of March 2024 Next Fiscal Quarter End | View | |
23rd of January 2025 Next Fiscal Year End | View | |
31st of December 2023 Last Quarter Report | View | |
31st of December 2023 Last Financial Announcement | View |
Customers Largest EPS Surprises
Earnings surprises can significantly impact Customers Bancorp's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
---|---|---|---|---|---|---|---|
2014-01-23 | 2013-12-31 | 0.29 | 0.33 | 0.04 | 13 | ||
2013-07-15 | 2013-06-30 | 0.31 | 0.35 | 0.04 | 12 | ||
2013-04-10 | 2013-03-31 | 0.3 | 0.35 | 0.05 | 16 |
Customers Bancorp Environmental, Social, and Governance (ESG) Scores
Customers Bancorp's ESG score is a quantitative measure that evaluates Customers Bancorp's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of Customers Bancorp's operations that may have significant financial implications and affect Customers Bancorp's stock price as well as guide investors towards more socially responsible investments.
Customers Stock Institutional Investors
Shares | Assenagon Asset Management Sa | 2024-09-30 | 479.7 K | Driehaus Capital Management Llc | 2024-06-30 | 468.5 K | Jpmorgan Chase & Co | 2024-06-30 | 444.5 K | Aristotle Capital Boston, Llc | 2024-06-30 | 396.8 K | Amvescap Plc. | 2024-06-30 | 334.5 K | Northern Trust Corp | 2024-09-30 | 320.5 K | Lsv Asset Management | 2024-09-30 | 298 K | Bank Of New York Mellon Corp | 2024-06-30 | 261.9 K | Wayne Hummer Asset Mgmt Company | 2024-09-30 | 260.8 K | Blackrock Inc | 2024-06-30 | 4.6 M | Wellington Management Company Llp | 2024-06-30 | 3.2 M |
Customers Market Capitalization
The company currently falls under 'Mid-Cap' category with a current market capitalization of 1.76 B.Customers Profitablity
The company has Profit Margin (PM) of 0.32 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.36 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.36.Last Reported | Projected for Next Year | ||
Return On Tangible Assets | 0.01 | 0.01 | |
Return On Capital Employed | 0.02 | 0.01 | |
Return On Assets | 0.01 | 0.01 | |
Return On Equity | 0.15 | 0.09 |
Management Efficiency
The current Return On Tangible Assets is estimated to decrease to 0.01. The current Return On Capital Employed is estimated to decrease to 0.01. As of now, Customers Bancorp's Intangible Assets are increasing as compared to previous years. The Customers Bancorp's current Fixed Asset Turnover is estimated to increase to 97.35, while Total Assets are projected to decrease to under 11.5 B. Customers Bancorp's management efficiency ratios could be used to measure how well Customers Bancorp manages its routine affairs as well as how well it operates its assets and liabilities.Last Reported | Projected for Next Year | ||
Book Value Per Share | 52.12 | 54.72 | |
Tangible Book Value Per Share | 52.00 | 54.60 | |
Enterprise Value Over EBITDA | (1.41) | (1.34) | |
Price Book Value Ratio | 1.11 | 1.06 | |
Enterprise Value Multiple | (1.41) | (1.34) | |
Price Fair Value | 1.11 | 1.06 | |
Enterprise Value | -507.7 M | -482.3 M |
Customers Bancorp's management has consistently demonstrated strong leadership, driving both financial growth and operational excellence. By analyzing current market trends and future growth opportunities, we assess the stock's true value and potential for investors.
Operating Margin 0.3594 | Profit Margin 0.322 | Beta 1.615 | Return On Assets 0.01 | Return On Equity 0.1289 |
Technical Drivers
As of the 25th of November, Customers Bancorp shows the Mean Deviation of 2.02, downside deviation of 2.26, and Risk Adjusted Performance of 0.0698. Customers Bancorp technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices.Customers Bancorp Price Movement Analysis
The output start index for this execution was eleven with a total number of output elements of fifty. The Bollinger Bands is very popular indicator that was developed by John Bollinger. It consist of three lines. Customers Bancorp middle band is a simple moving average of its typical price. The upper and lower bands are (N) standard deviations above and below the middle band. The bands widen and narrow when the volatility of the price is higher or lower, respectively. The upper and lower bands can also be interpreted as price targets for Customers Bancorp. When the price bounces off of the lower band and crosses the middle band, then the upper band becomes the price target.
Customers Bancorp Insider Trading Activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Customers Bancorp insiders, such as employees or executives, is commonly permitted as long as it does not rely on Customers Bancorp's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Customers Bancorp insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Customers Bancorp Outstanding Bonds
Customers Bancorp issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Customers Bancorp uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Customers bonds can be classified according to their maturity, which is the date when Customers Bancorp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
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Customers Bancorp Predictive Daily Indicators
Customers Bancorp intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Customers Bancorp stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
Accumulation Distribution | 24319.45 | |||
Daily Balance Of Power | 0.5308 | |||
Rate Of Daily Change | 1.03 | |||
Day Median Price | 58.48 | |||
Day Typical Price | 58.21 | |||
Price Action Indicator | (0.04) | |||
Period Momentum Indicator | 1.55 | |||
Relative Strength Index | 62.02 |
Customers Bancorp Corporate Filings
F4 | 22nd of November 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
F4 | 12th of November 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
13A | 8th of November 2024 An amended filing to the original Schedule 13G | ViewVerify |
F4 | 7th of November 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
8K | 31st of October 2024 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
F4 | 25th of October 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
13A | 17th of October 2024 The form used by investors holding more than 5% of a company's stock, to report their beneficial ownership pursuant to Rule 13d-1 or Rule 13d-2 under the Securities Exchange Act of 1934 | ViewVerify |
F3 | 3rd of October 2024 The report used by insiders such as officers, directors, and major shareholders (beneficial owners holding more than 10% of any class of the company's equity securities) to declare their ownership of a company's stock | ViewVerify |
Customers Bancorp Forecast Models
Customers Bancorp's time-series forecasting models are one of many Customers Bancorp's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Customers Bancorp's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.About Customers Stock Analysis
Stock analysis is the technique used by a trader or investor to examine and evaluate how Customers Bancorp prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Customers shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Customers Bancorp. By using and applying Customers Stock analysis, traders can create a robust methodology for identifying Customers entry and exit points for their positions.
Last Reported | Projected for Next Year | ||
Pretax Profit Margin | 0.48 | 0.48 | |
Operating Profit Margin | 0.59 | 0.70 | |
Net Profit Margin | 0.37 | 0.35 | |
Gross Profit Margin | 0.88 | 0.78 |
Current Customers Analysis - Recommendations
We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Customers analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Customers analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target Price | Advice | # of Analysts | |
47.83 | Buy | 9 | Odds |
Most Customers analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand Customers stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of Customers Bancorp, talking to its executives and customers, or listening to Customers conference calls.
Customers Stock Analysis Indicators
Customers Bancorp stock analysis indicators help investors evaluate how Customers Bancorp stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Customers Bancorp shares will generate the highest return on investment. By understating and applying Customers Bancorp stock analysis, traders can identify Customers Bancorp position entry and exit signals to maximize returns.
Begin Period Cash Flow | 455.8 M | |
Long Term Debt | 1.5 B | |
Common Stock Shares Outstanding | 32.2 M | |
Total Stockholder Equity | 1.6 B | |
Tax Provision | 65.9 M | |
Quarterly Earnings Growth Y O Y | -0.492 | |
Property Plant And Equipment Net | 7.4 M | |
Cash And Short Term Investments | 3.8 B | |
Cash | 3.8 B | |
Net Debt | -2.3 B | |
50 Day M A | 48.4664 | |
Total Current Liabilities | 12.5 B | |
Other Operating Expenses | 3.1 M | |
Non Current Assets Total | 16.5 B | |
Non Currrent Assets Other | -3.5 B | |
Stock Based Compensation | 12.6 M |
Complementary Tools for Customers Stock analysis
When running Customers Bancorp's price analysis, check to measure Customers Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Customers Bancorp is operating at the current time. Most of Customers Bancorp's value examination focuses on studying past and present price action to predict the probability of Customers Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Customers Bancorp's price. Additionally, you may evaluate how the addition of Customers Bancorp to your portfolios can decrease your overall portfolio volatility.
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