Customers Bancorp Inc (CUBI) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Customers Bancorp Inc stock (CUBI) is currently trading at $69.37. Customers Bancorp Inc PE ratio is 10.87. Customers Bancorp Inc PS ratio (Price-to-Sales) is 3.29. Analyst consensus price target for CUBI is $90.64. WallStSmart rates CUBI as Buy.
- CUBI PE ratio analysis and historical PE chart
- CUBI PS ratio (Price-to-Sales) history and trend
- CUBI intrinsic value — DCF, Graham Number, EPV models
- CUBI stock price prediction 2025 2026 2027 2028 2029 2030
- CUBI fair value vs current price
- CUBI insider transactions and insider buying
- Is CUBI undervalued or overvalued?
- Customers Bancorp Inc financial analysis — revenue, earnings, cash flow
- CUBI Piotroski F-Score and Altman Z-Score
- CUBI analyst price target and Smart Rating
Customers Bancorp Inc
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CUBI Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Customers Bancorp Inc (CUBI)
CUBI trades at a significant discount to its Graham intrinsic value of $298.58, offering a 76% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Customers Bancorp Inc (CUBI) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Overall metrics suggest strong investment potential with favorable risk/reward.
Customers Bancorp Inc (CUBI) Key Strengths (8)
Keeps $50 of every $100 in revenue after operating costs
Revenue surging 46.80% year-over-year
Earnings per share surging 177.40% year-over-year
Keeps $31 of every $100 in revenue as net profit
95.91% of shares held by major funds and institutions
Good growth relative to its price
Trading at 1.10x book value, attractively priced
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
Customers Bancorp Inc (CUBI) Areas to Watch (2)
Moderate profitability with room for improvement
Revenue is fairly priced at 3.29x sales
Customers Bancorp Inc (CUBI) Detailed Analysis Report
Overall Assessment
This company scores 83/100 in our Smart Analysis, earning a A- grade. Out of 10 metrics analyzed, 8 register as strengths (avg 9.1/10) while 2 fall into concern territory (avg 5.5/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Revenue Growth, EPS Growth. Valuation metrics including PEG Ratio (1.18), Price/Book (1.10) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 49.50%, Profit Margin at 31.10%. Growth metrics are encouraging with Revenue Growth at 46.80%, EPS Growth at 177.40%.
The Bear Case
The primary concerns are Return on Equity, Price/Sales. Some valuation metrics including Price/Sales (3.29) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 11.30%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 11.30% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 46.80% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Revenue Growth makes a compelling case at current levels. The key risk is Return on Equity, but the overall fundamental picture is positive with a clear path to maintaining or improving the current A- grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
CUBI Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
CUBI's Price-to-Sales ratio of 3.29x trades at a 23% premium to its historical average of 2.67x (71th percentile). The current valuation is 55% below its historical high of 7.29x set in Nov 2012, and 364% above its historical low of 0.71x in Mar 2023. Over the past 12 months, the PS ratio has expanded from ~1.3x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for Customers Bancorp Inc (CUBI) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Customers Bancorp Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 720M with 47% growth year-over-year. Profit margins are strong at 31.1%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 47% YoY, reaching 720M. This pace significantly outperforms most BANKS - REGIONAL peers.
Profit margin of 31.1% and operating margin of 49.5% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Growth sustainability: can Customers Bancorp Inc maintain 47%+ revenue growth, or will competition slow it down?
Volatility is elevated with a beta of 1.64, so expect amplified moves relative to the broader market.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Customers Bancorp Inc.
Bottom Line
Customers Bancorp Inc offers an attractive blend of growth (47% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(29 last 3 months)
| Insider | Type | Shares |
|---|---|---|
VELASQUEZ, JESSIE JOHN DEANO Chief Accounting Officer | Buy | +1,206 |
| Insider | Type | Shares |
|---|---|---|
KASULKA, THOMAS HENRY Chief Credit Officer | Sell | -393 |
Data sourced from SEC Form 4 filings
Last updated: 11:38:17 AM
About Customers Bancorp Inc(CUBI)
NYSE
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.