Customers Bancorp, Inc. (CUBI)vsJPMorgan Chase & Co (JPM)
CUBI
Customers Bancorp, Inc.
$77.35
-1.93%
FINANCIAL SERVICES · Cap: $2.64B
JPM
JPMorgan Chase & Co
$340.07
-3.42%
FINANCIAL SERVICES · Cap: $946.93B
Smart Verdict
WallStSmart Research — data-driven comparison
JPMorgan Chase & Co generates 22436% more annual revenue ($186.33B vs $826.80M). CUBI leads profitability with a 35.2% profit margin vs 34.9%. CUBI appears more attractively valued with a PEG of 1.18. JPM earns a higher WallStSmart Score of 81/100 (A-).
CUBI
Strong Buy75
out of 100
Grade: B+
JPM
Exceptional Buy81
out of 100
Grade: A-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 46.0%
Mega-cap, among the largest globally
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 50.4%
Revenue surging 30.4% year-over-year
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Elevated debt levels
Weak financial health signals
Distress zone — elevated risk
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : CUBI
The strongest argument for CUBI centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 35.2% and operating margin at 46.0%. Revenue growth of 10.1% demonstrates continued momentum.
Bull Case : JPM
The strongest argument for JPM centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 34.9% and operating margin at 50.4%. Revenue growth of 30.4% demonstrates continued momentum.
Bear Case : CUBI
The primary concerns for CUBI are Debt/Equity, Piotroski F-Score, Altman Z-Score.
Bear Case : JPM
The primary concerns for JPM are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 3.30 is elevated, increasing financial risk.
Key Dynamics to Monitor
CUBI profiles as a mature stock while JPM is a growth play — different risk/reward profiles.
CUBI carries more volatility with a beta of 1.48 — expect wider price swings.
JPM is growing revenue faster at 30.4% — sustainability is the question.
CUBI generates stronger free cash flow (106M), providing more financial flexibility.
Bottom Line
JPM scores higher overall (81/100 vs 75/100), backed by strong 34.9% margins and 30.4% revenue growth. Both earn "Exceptional Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Customers Bancorp, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Clients Bancorp, Inc. is the banking holding company for Clients Bank providing financial products and services to individual consumers and small and medium market businesses. The company is headquartered in West Reading, Pennsylvania.
Visit Website →JPMorgan Chase & Co
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
JPMorgan Chase & Co. is an American multinational investment bank and financial services holding company headquartered in New York City. JPMorgan Chase is incorporated in Delaware. As a Bulge Bracket bank, it is a major provider of various investment banking and financial services. It is one of America's Big Four banks, along with Bank of America, Citigroup, and Wells Fargo. JPMorgan Chase is considered to be a universal bank and a custodian bank. The J.P. Morgan brand is used by the investment banking, asset management, private banking, private wealth management, and treasury services divisions.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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