Customers Bancorp Valuation
| CUBI Stock | USD 71.67 0.68 0.96% |
At this time, the firm appears to be undervalued. Customers Bancorp shows a prevailing Real Value of $81.8 per share. The current price of the firm is $71.67. Our model approximates the value of Customers Bancorp from analyzing the firm fundamentals such as Return On Equity of 0.11, profit margin of 0.31 %, and Current Valuation of (255.56 M) as well as examining its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Customers Bancorp's valuation include:
Undervalued
Today
Please note that Customers Bancorp's price fluctuation is very steady at this time. Calculation of the real value of Customers Bancorp is based on 3 months time horizon. Increasing Customers Bancorp's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since Customers Bancorp is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Customers Stock. However, Customers Bancorp's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 71.67 | Real 81.8 | Target 91.44 | Hype 71.78 |
The intrinsic value of Customers Bancorp's stock can be calculated using various methods such as discounted cash flow or dividend analysis. That value may differ from its market price, which is determined by factors such as investor sentiment, market trends, headlines, and other external factors that may influence Customers Bancorp's stock price.
Estimating the potential upside or downside of Customers Bancorp helps investors to forecast how Customers stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Customers Bancorp more accurately as focusing exclusively on Customers Bancorp's fundamentals will not take into account other important factors: When choosing an evaluation method for Customers Bancorp, ensure it is appropriate for the firm given its current financial situation and market classification. If more than one evaluation category is relevant, we suggest using all methods to arrive at a better estimate.
Customers Bancorp Cash |
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Customers Revenue by Product
Customers Bancorp Total Value Analysis
Customers Bancorp is currently forecasted to have valuation of (255.56 M) with market capitalization of 2.45 B, debt of 1.71 B, and cash on hands of 404.46 M. The negative valuation of Customers Bancorp may imply that the market is not capable to price the future growth of the company or it is pricing it at zero value. It may also suggest that takeover valuation may not have captured all of the outstanding financial obligations of the company both on and off balance sheet. Investors should vigilantly validate all of the Customers Bancorp fundamentals.| Takeover Price | Market Cap | Debt Obligations | Cash |
(255.56 M) | 2.45 B | 1.71 B | 404.46 M |
Customers Bancorp Investor Information
About 95.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 1.15. Some equities with similar Price to Book (P/B) outperform the market in the long run. Customers Bancorp recorded earning per share (EPS) of 6.32. The entity had not issued any dividends in recent years. The firm had 11:10 split on the 22nd of May 2014. Based on the analysis of Customers Bancorp's profitability, liquidity, and operating efficiency, Customers Bancorp may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter.Customers Bancorp Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The recent return on assets of Customers signifies not a very effective usage of assets in February.Customers Bancorp Profitability Analysis
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 March. Profitability indicators assess Customers Bancorp's ability to earn profits and add value for shareholders.Net Income | First Reported 2010-03-31 | Previous Quarter 74.5 M | Current Value 74.5 M | Quarterly Volatility 27.1 M |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Gross Profit Margin | 0.72 | 0.5159 |
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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 Earnings per Share Projection vs Actual
The next projected EPS of Customers Bancorp is estimated to be 1.895 with future projections ranging from a low of 1.8 to a high of 1.97. Customers Bancorp's most recent 12-month trailing earnings per share (EPS TTM) is at 6.32. Please be aware that the consensus of earnings estimates for Customers Bancorp is based on EPS before non-recurring items and includes expenses related to employee stock options.Customers Bancorp Earnings Estimation Breakdown
The calculation of Customers Bancorp's earning per share is based on the data from the past 12 consecutive months, used for reporting the company's financial figures. The next projected EPS of Customers Bancorp is estimated to be 1.895 with the future projection ranging from a low of 1.8 to a high of 1.97. Please be aware that this consensus of annual earnings estimates for Customers Bancorp is based on EPS before non-recurring items and includes expenses related to employee stock options.Last Reported EPS
1.80 Lowest | Expected EPS | 1.97 Highest |
Customers Bancorp Earnings Projection Consensus
Suppose the current estimates of Customers Bancorp's value are higher than the current market price of the Customers Bancorp stock. In this case, investors may conclude that Customers Bancorp is overpriced and will exhibit bullish sentiment. On the other hand, if the present value is lower than the stock price, analysts may conclude that the market undervalues the equity. These scenarios may suggest that the market is not as efficient as it should be at the estimation time, and Customers Bancorp's stock will quickly adjusts to the new information provided by the consensus estimate.
| Number of Analysts | Historical Accuracy | Last Reported EPS | Estimated EPS for 31st of March 2026 | Current EPS (TTM) | |
| 9 | 81.11% | 2.06 | 1.895 | 6.32 |
Customers Bancorp Ownership Allocation
Customers Bancorp holds a total of 34.19 Million outstanding shares. The majority of Customers Bancorp outstanding shares are owned by other corporate entities. These outside corporations are usually referred to as non-private investors looking to acquire positions in Customers Bancorp to benefit from reduced commissions. Consequently, institutional investors are subject to a different set of regulations than regular investors in Customers Bancorp. Please pay attention to any change in the institutional holdings of Customers Bancorp as this could imply that something significant has changed or is about to change at the company. Also note that nearly seven hundred thirty-eight thousand five hundred thirty invesors are currently shorting Customers Bancorp expressing very little confidence in its future performance.Customers Bancorp Profitability Analysis
The company reported the previous year's revenue of 1.41 B. Net Income was 181.47 M with profit before overhead, payroll, taxes, and interest of 720.35 M.About Customers Bancorp Valuation
An absolute valuation paradigm, as applied to Customers Stock, attempts to find the value of Customers Bancorp based on its fundamental and basic technical indicators. By analyzing Customers Bancorp's financials, quarterly and monthly indicators, and their related drivers, such as dividends, operating cash flow, and various types of growth rates, we attempt to find the most accurate representation of Customers Bancorp's intrinsic value. In some cases, mostly for established, large-cap companies, we also incorporate more traditional valuation methods such as dividend discount, discounted cash flow, or asset-based models. As compared to an absolute model, our relative valuation model uses a comparative analysis of Customers Bancorp. We calculate exposure to Customers Bancorp's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Customers Bancorp's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 729.8 M | 430.4 M | |
| Pretax Profit Margin | 0.20 | 0.18 | |
| Operating Profit Margin | 0.22 | 0.18 | |
| Net Profit Margin | 0.16 | 0.11 | |
| Gross Profit Margin | 0.52 | 0.72 |
Customers Bancorp Quarterly Retained Earnings |
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Customers Bancorp Growth Indicators
Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
| Common Stock Shares Outstanding | 35.4 M | |
| Quarterly Earnings Growth Y O Y | 1.764 | |
| Forward Price Earnings | 8.2645 |
Customers Bancorp Current Valuation Indicators
Valuation refers to the process of determining the present value of Customers Bancorp and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value Customers we look at many different elements of the entity such as Customers's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Customers Bancorp, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Customers Bancorp's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Customers Bancorp's worth.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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