Customers Bancorp Statistics
Share Statistics
Customers Bancorp has 31.35M shares outstanding. The number of shares has increased by 0.9% in one year.
| Shares Outstanding | 31.35M |
| Shares Change (YoY) | n/a |
| Shares Change (QoQ) | 0.14% |
| Owned by Institutions (%) | n/a |
| Shares Floating | 28.78M |
| Failed to Deliver (FTD) Shares | 23 |
| FTD / Avg. Volume | 0.01% |
Short Selling Information
The latest short interest is 2.32M, so 7.41% of the outstanding shares have been sold short.
| Short Interest | 2.32M |
| Short % of Shares Out | 7.41% |
| Short % of Float | 8.06% |
| Short Ratio (days to cover) | 6.93 |
Valuation Ratios
The PE ratio is 7.24 and the forward PE ratio is 9.2. Customers Bancorp 's PEG ratio is 1.87.
| PE Ratio | 7.24 |
| Forward PE | 9.2 |
| PS Ratio | 2.65 |
| Forward PS | 2.2 |
| PB Ratio | 1.11 |
| P/FCF Ratio | 21.72 |
| PEG Ratio | 1.87 |
Enterprise Valuation
Customers Bancorp Inc. has an Enterprise Value (EV) of -507.70M.
| EV / Earnings | -2.03 |
| EV / Sales | -0.74 |
| EV / EBITDA | -1.41 |
| EV / EBIT | -1.25 |
| EV / FCF | -6.09 |
Financial Position
The company has a current ratio of 0, with a Debt / Equity ratio of 0.92.
| Current Ratio | 0 |
| Quick Ratio | 0 |
| Debt / Equity | 0.92 |
| Total Debt / Capitalization | 48.03 |
| Cash Flow / Debt | 0.08 |
| Interest Coverage | 0.6 |
Financial Efficiency
Return on equity (ROE) is 0.15% and return on capital (ROIC) is 9.71%.
| Return on Equity (ROE) | 0.15% |
| Return on Assets (ROA) | 0.01% |
| Return on Capital (ROIC) | 9.71% |
| Revenue Per Employee | 841.63K |
| Profits Per Employee | 308.06K |
| Employee Count | 812 |
| Asset Turnover | 0.03 |
| Inventory Turnover | 0 |
Taxes
| Income Tax | 80.60M |
| Effective Tax Rate | 0.24 |
Stock Price Statistics
The stock price has increased by 0.7% in the last 52 weeks. The beta is 1.61, so Customers Bancorp 's price volatility has been higher than the market average.
| Beta | 1.61 |
| 52-Week Price Change | 0.7% |
| 50-Day Moving Average | 50.74 |
| 200-Day Moving Average | 50.18 |
| Relative Strength Index (RSI) | 47.32 |
| Average Volume (20 Days) | 373.57K |
Income Statement
In the last 12 months, Customers Bancorp had revenue of $683.40M and earned $250.14M in profits. Earnings per share was $7.49.
| Revenue | 683.40M |
| Gross Profit | 683.40M |
| Operating Income | 406.34M |
| Net Income | 250.14M |
| EBITDA | 360.64M |
| EBIT | 406.34M |
| Earnings Per Share (EPS) | 7.49 |
Balance Sheet
The company has $3.85B in cash and $1.53B in debt, giving a net cash position of $2.32B.
| Cash & Cash Equivalents | 3.85B |
| Total Debt | 1.53B |
| Net Cash | 2.32B |
| Retained Earnings | 1.16B |
| Total Assets | 21.46B |
| Working Capital | 16.08B |
Cash Flow
In the last 12 months, operating cash flow was $124.73M and capital expenditures -$41.34M, giving a free cash flow of $83.39M.
| Operating Cash Flow | 124.73M |
| Capital Expenditures | -41.34M |
| Free Cash Flow | 83.39M |
| FCF Per Share | 2.65 |
Margins
Gross margin is 100%, with operating and profit margins of 59.46% and 36.6%.
| Gross Margin | 100% |
| Operating Margin | 59.46% |
| Pretax Margin | 48.4% |
| Profit Margin | 36.6% |
| EBITDA Margin | 52.77% |
| EBIT Margin | 59.46% |
| FCF Margin | 12.2% |
Dividends & Yields
CUBI does not appear to pay any dividends at this time.
| Dividend Per Share | n/a |
| Dividend Yield | n/a |
| Dividend Growth (YoY) | n/a |
| Payout Ratio | n/a |
| Earnings Yield | 14.01% |
| FCF Yield | 4.98% |
Analyst Forecast
The average price target for CUBI is $59.5, which is 11.3% higher than the current price. The consensus rating is "Hold".
| Price Target | $59.5 |
| Price Target Difference | 11.3% |
| Analyst Consensus | Hold |
| Analyst Count | 9 |
Stock Splits
The last stock split was on May 22, 2014. It was a forward split with a ratio of 11:10.
| Last Split Date | May 22, 2014 |
| Split Type | forward |
| Split Ratio | 11:10 |
Scores
| Altman Z-Score | 1.13 |
| Piotroski F-Score | 6 |