Customers Bancorp Inc
NYSE: CUBI · FINANCIAL SERVICES · BANKS - REGIONAL
Updated 2026-04-29
Customers Bancorp Inc (CUBI) Stock Valuation Analysis
Fair value estimate, historical valuation range, and quality signals for CUBI.
Valued
Fundamentals support the current valuation. Strong combination of growth, quality, and price.
CUBI historical valuation range
Where current P/E sits in CUBI's own 5Y range.
CUBI intrinsic value (DCF)
DCF-based fair value estimate vs current market price.
Standard discounted cash flow models produce unreliable output for unprofitable or near-breakeven companies. Revenue-based multiples such as P/S and EV/Sales, combined with the historical valuation position above, give a more reliable read for this stock.
Intrinsic value calculated using discounted cash flow (DCF) model based on projected free cash flows, discount rate, and terminal growth assumptions. A positive margin of safety indicates the current price is below estimated fair value, providing a cushion against estimation error.
CUBI valuation signals
Quick-read green flags, caution flags, and risks based on current metrics.
P/E Ratio — History
Current: 9.55x
P/S Ratio — History
Current: 3.16x
Is CUBI overvalued in 2026?
Customers Bancorp Inc (CUBI) currently trades at $75.82 per share with a market capitalization of $2,553,689,000.00. Based on our multi-factor framework, the stock looks attractively valued with a Smart Value Score of 83/100. This score blends growth quality, financial health, and price attractiveness into a single institutional-grade read.
The stock trades at a P/E ratio of 9.6x, above its 5-year median of 7.5x. The PEG ratio of 1.18 points to a price that reasonably reflects expected earnings growth.
Looking at its own history, CUBI is currently trading more expensive than 68% of the last 5Y on P/E. This places it in the 68th percentile of its historical range, a reasonable but unremarkable position.
A standard DCF model does not produce reliable output for CUBI under current conditions. For unprofitable or near-breakeven companies, revenue-based multiples such as EV/Sales and historical P/S percentile are more informative than intrinsic value calculations.
Financial quality is a concern. The Piotroski F-Score of 0/9 flags weakening fundamentals that deserve closer scrutiny before the valuation case can be fully trusted.
Bottom line: CUBI looks attractively valued on our framework, with a Smart Value Score of 83/100. The combination of reasonable price, healthy growth, and quality fundamentals makes it worth serious consideration.
Frequently asked questions
Is CUBI overvalued in 2026?
Based on a Smart Value Score of 83/100, CUBI is not overvalued. Fundamentals support the current price and offer reasonable margin of safety.
What is CUBI's fair value?
Standard DCF is unreliable for CUBI due to its current profitability profile. Revenue-based approaches such as EV/Sales or historical P/S percentile are more informative for this stock.
What P/E ratio does CUBI trade at?
CUBI trades at a P/E of 9.6x on trailing twelve-month earnings, compared to its 5-year median of 7.5x.
Is CUBI a buy based on valuation?
WallStSmart does not issue buy or sell recommendations. Our Smart Value Score of 83/100 reflects the combined read on growth, quality, and price. The profile skews favorable for long-term accumulation.
How does CUBI's valuation compare to its history?
On P/E, CUBI currently sits in the 68th percentile of its own 5Y range. That is above its long-run median relative to where it has traded over the period.
What is CUBI's Smart Value Score?
CUBI's Smart Value Score is 83/100. The Smart Value Score is a proprietary WallStSmart metric blending growth quality, financial health, and valuation attractiveness into a single 0-100 read. Scores above 75 are rare and indicate strong multi-factor alignment.