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Customers Bancorp, Inc. (CUBI) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Customers Bancorp, Inc.

CUBIMarket cap $2.51BPrice $74.2

Country🇺🇸United States

SectorFinancials

IndustryBanks

Runs a Pennsylvania-based bank serving businesses, startups, and specialty finance clients across the country. Built its reputation on fast, tech-driven commercial lending — and made headlines picking up deposits after Silicon Valley Bank's collapse.

In Bastion Portfolios?

52W Return+19%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+7%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+10%–

Rev CAGR (5y)+7%6

Earnings Forecast

EPS Growth Y+1+35%9

EPS Growth Y+2+13%7

EPS Growth Y+3+4%5

Quality

Margins

EBIT Margin0%6

Net Income Margin35%9

Free Cash Flow Margin28%9

Debt

Net Debt/EBITDAna–

Efficiency

ROE14%6

ROA1%3

Earnings Stability44

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)89

P/E Ratio (Forward 3y)79

P/BV1.19

EV Multiples

EV/EBITDA Fwd09

EV/EBIT Fwd09

Yield

Free Cash Flow Yield0.0%10

Dividend Yieldna–

Momentum

Short term

1 month return-6%4

3 month return-2%6

YTD return+1%5

Mid term

Price vs 52wHigh88%8

1 year return+15%7

Long term

3 year return+122%8

5 year return+66%6

Risk Shield

Price Risk

Beta1.32

Volatility31%6

Free Cash Flow

Free Cash Flow Margin28%9

Free Cash Flow Yield0.0%10

Quality

ROCE11%3

Earnings Stability44

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

CUBICustomers Bancorp

Revenue FY25$720M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+7%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+10%–

Revenue, next 5Y, CAGR+7%6

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+35%9

EPS growth, FY27E+13%7

EPS growth, FY28E+4%5

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 7%/yr over the last 3 years and is set to grow 10%/yr from here.

Earnings are set to grow in step with sales (EPS about 13%/yr vs revenue 10%/yr).

WATCH

Revenue is set to grow 10%/yr over the next 3 years, a little ahead of the market.6/10

Over five years revenue is set to grow 7%/yr, ahead of 50% of companies worldwide.6/10

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's speeding up.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

STRONG67 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-6%4

3-month return-2%6

YTD return+1%5

MID & LONG-TERM▾SCORE

% of 52-week high88%8

1-year return+15%7

3-year return+122%8

5-year return+66%6

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +122% over three years and +66% over five, ahead of 60% of the market.

It's up 15% over the past year, but 12% below its 52-week high. That is clearly ahead of the market.

WATCH

Returns sit at the market level over the past month (-6%), over three months (-2%) and so far this year (+1%).

WEAKNESSES

None flagged.

BOTTOM LINE

Steady Compounder

Dependable multi-year returns with a calmer near-term tape. A reliable long-term trend rather than a short-term breakout.

04Value

Are you paying a fair price for it?

Stop guessing on Customers Bancorp, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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02Growth

Is it actually growing, and how fast?

CUBICustomers Bancorp

Revenue FY25$720M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+7%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+10%–

Revenue, next 5Y, CAGR+7%6

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+35%9

EPS growth, FY27E+13%7

EPS growth, FY28E+4%5

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 7%/yr over the last 3 years and is set to grow 10%/yr from here.

Earnings are set to grow in step with sales (EPS about 13%/yr vs revenue 10%/yr).

WATCH

Revenue is set to grow 10%/yr over the next 3 years, a little ahead of the market.6/10

Over five years revenue is set to grow 7%/yr, ahead of 50% of companies worldwide.6/10

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's speeding up.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

STRONG67 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-6%4

3-month return-2%6

YTD return+1%5

MID & LONG-TERM▾SCORE

% of 52-week high88%8

1-year return+15%7

3-year return+122%8

5-year return+66%6

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +122% over three years and +66% over five, ahead of 60% of the market.

It's up 15% over the past year, but 12% below its 52-week high. That is clearly ahead of the market.

WATCH

Returns sit at the market level over the past month (-6%), over three months (-2%) and so far this year (+1%).

WEAKNESSES

None flagged.

BOTTOM LINE

Steady Compounder

Dependable multi-year returns with a calmer near-term tape. A reliable long-term trend rather than a short-term breakout.

04Value

Are you paying a fair price for it?

Stop guessing on Customers Bancorp, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community