Customers Bancorp, Inc.
General ticker "CUBI" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $1.8B (TTM average)
Customers Bancorp, Inc. follows the US Stock Market performance with the rate: 74.5%.
Estimated limits based on current volatility of 2.2%: low 67.35$, high 70.36$
Factors to consider:
- Total employees count: 793 (+11.1%) as of 2024
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Accounting changes, Geographic concentration, Concentration in business lines, Labor/talent shortage/retention, Market competition
- Current price 16.9% above estimated high
- Earnings for 12 months up through Q4 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [42.76$, 60.52$]
- 2025-12-31 to 2026-12-31 estimated range: [40.50$, 58.50$]
Financial Metrics affecting the CUBI estimates:
- Negative: with PPE of 8.7 at the end of fiscal year the price was high
- Positive: Operating profit margin, % of 31.39 > 18.38
- Positive: 6.64 < Operating cash flow per share per price, % of 9.48
- Positive: -3.43 < Return on assets ratio (scaled to [-100,100]) of 0.81
- Negative: Shareholder equity ratio, % of 8.23 <= 19.40
- Positive: Industry operating cash flow per share per price (median), % of 10.58 > 10.29
- Positive: Industry inventory ratio change (median), % of 0 <= 0
- Positive: Inventory ratio change, % of 0 <= 0
Short-term CUBI quotes
Long-term CUBI plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $655.99MM | $758.01MM | $714.84MM |
| Operating Expenses | $364.69MM | $427.27MM | $490.46MM |
| Operating Income | $291.30MM | $330.74MM | $224.37MM |
| Interest Expense | $261.65MM | $679.91MM | $673.43MM |
| Income(Loss) | $291.30MM | $330.74MM | $224.37MM |
| Taxes | $63.26MM | $80.60MM | $42.90MM |
| Profit(Loss)* | $228.03MM | $250.14MM | $181.47MM |
| Stockholders Equity | $1,402.96MM | $1,638.39MM | $1,836.68MM |
| Assets | $20,896.11MM | $21,316.26MM | $22,308.24MM |
| Operating Cash Flow | $-20.82MM | $124.73MM | $145.06MM |
| Capital expenditure | $113.35MM | $41.34MM | $65.19MM |
| Investing Cash Flow | $-1,298.41MM | $3,157.72MM | $-1,006.09MM |
| Financing Cash Flow | $1,257.01MM | $108.09MM | $800.62MM |
| Earnings Per Share** | $6.99 | $7.96 | $5.76 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.