Customers Bancorp Inc. (CUBI)
Customers Bancorp Statistics
Share Statistics
Customers Bancorp has 31.47M shares outstanding. The number of shares has increased by -0.58% in one year.
| Shares Outstanding | 31.47M |
| Shares Change (YoY) | -0.58% |
| Shares Change (QoQ) | 0.38% |
| Owned by Institutions (%) | 87.78% |
| Shares Floating | 28.85M |
| Failed to Deliver (FTD) Shares | 1.98K |
| FTD / Avg. Volume | 0.59% |
Short Selling Information
The latest short interest is 2.01M, so 6.4% of the outstanding shares have been sold short.
| Short Interest | 2.01M |
| Short % of Shares Out | 6.4% |
| Short % of Float | 7.88% |
| Short Ratio (days to cover) | 7.5 |
Valuation Ratios
The PE ratio is 8.45 and the forward PE ratio is 6.28. Customers Bancorp's PEG ratio is -0.51.
| PE Ratio | 8.45 |
| Forward PE | 6.28 |
| PS Ratio | 1.16 |
| Forward PS | 1.6 |
| PB Ratio | 0.84 |
| P/FCF Ratio | 13.22 |
| PEG Ratio | -0.51 |
Enterprise Valuation
Customers Bancorp has an Enterprise Value (EV) of 2.89B.
| EV / Sales | 2.17 |
| EV / EBITDA | 0 |
| EV / EBIT | 24.89 |
| EV / FCF | 24.89 |
Financial Position
The company has a current ratio of 164.97, with a Debt / Equity ratio of 0.77.
| Current Ratio | 164.97 |
| Quick Ratio | 164.97 |
| Debt / Equity | 0.77 |
| Debt / EBITDA | - |
| Debt / FCF | 12.15 |
| Interest Coverage | 1.97 |
Financial Efficiency
Return on Equity is 9.88% and Return on Invested Capital is 6.48%.
| Return on Equity | 9.88% |
| Return on Assets | 0.81% |
| Return on Invested Capital | 6.48% |
| Revenue Per Employee | $1.69M |
| Profits Per Employee | $230.58K |
| Employee Count | 787 |
| Asset Turnover | 0.06 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 42.9M |
| Effective Tax Rate | 19.12% |
Stock Price Statistics
The stock price has increased by -10.09% in the last 52 weeks. The beta is 1.49, so Customers Bancorp's price volatility has been higher than the market average.
| Beta | 1.49 |
| 52-Week Price Change | -10.09% |
| 50-Day Moving Average | 50.68 |
| 200-Day Moving Average | 51.19 |
| Relative Strength Index (RSI) | 38.57 |
| Average Volume (20 Days) | 336.86K |
Income Statement
In the last 12 months, Customers Bancorp had revenue of 1.33B and earned 181.47M in profits. Earnings per share was 6.24.
| Revenue | 1.33B |
| Gross Profit | 1.33B |
| Operating Income | 1.32B |
| Net Income | 181.47M |
| EBITDA | 0 |
| EBIT | -33.55M |
| Earnings Per Share (EPS) | 6.24 |
Balance Sheet
The company has 56.79M in cash and 1.41B in debt, giving a net cash position of -1.35B.
| Cash & Cash Equivalents | 56.79M |
| Total Debt | 1.41B |
| Net Cash | -1.35B |
| Retained Earnings | 1.33B |
| Total Assets | 22.31B |
| Working Capital | 16.4B |
Cash Flow
In the last 12 months, operating cash flow was 116M and capital expenditures 0, giving a free cash flow of 116M.
| Operating Cash Flow | 116M |
| Capital Expenditures | 0 |
| Free Cash Flow | 116M |
| FCF Per Share | 3.68 |
Margins
Gross margin is 100%, with operating and profit margins of 99.66% and 13.67%.
| Gross Margin | 100% |
| Operating Margin | 99.66% |
| Pretax Margin | 16.9% |
| Profit Margin | 13.67% |
| EBITDA Margin | n/a |
| EBIT Margin | 99.66% |
| FCF Margin | 8.74% |
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 | 11.83% |
| FCF Yield | 7.56% |
Analyst Forecast
The average price target for CUBI is $67, which is 52.2% higher than the current price. The consensus rating is "Hold".
| Price Target | $67 |
| Price Target Difference | 52.2% |
| Analyst Consensus | Hold |
| Analyst Count | 10 |
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 | 1.07 |
| Piotroski F-Score | 6 |