Customers Bancorp Inc
CUBI 
NYE
Sector: Financial Services
Industry: Banks - Regional - US
46.83
USD
0.40
(0.86%)
Optionable: Yes Market Cap: 1,459 M 90-day average vol: 280,352
Previous close: 46.43 Open: 46.47 Bid: 25.01 Ask: 48.74
52 week range
15.80 60.09
Last updated: Friday 19th April 2024
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Valuation
Price per Sales TTM ($) | 2.45 |
Price per Book TTM ($) | 0.98 |
PE Ratio (TTM) | 7.00 |
Book Value per Share ($) | 47.66 |
5 Year PE Range | NA , NA |
Returns
7 Day Return | -6.15% | |
1 Month Return | -7.72% | |
3 Month Return | -9.56% | |
1 Year Return | 140.28% | |
3 Year Return | 45.66% | |
5 Year Return | 112.86% | |
YTD Return | -18.73% |
Risk
Analyst Estimates
Financial Health
Technicals
RSI (14 Day) | 36.46 |
14 Day SMA ($) | 49.56 |
14 Day EMA ($) | 49.05 |
Money Flow Index | 74.65 |
Average True Range | 1.84 |
50 Day SMA ($) | 51.72 |
200 Day SMA ($) | 44.43 |
ADX | 14.35 |
MACD | -1.20 |
Growth
Free Cash Flow QoQ Growth | 0.00% |
Free Cash Flow YoY Growth | 0.00% |
Revenue YoY Growth | 0.00% |
EPS QoQ Growth | 0.00% |
Revenue QoQ Growth | 0.00% |
EPS YoY Growth | 0.00% |
Profitability
Financials
CUBI Income Statement
Annual
| Dec-13 | Dec-14 | Dec-15 | Dec-16 | Dec-17 | Dec-18 | Dec-19 | Dec-20 | Dec-21 | Dec-22 | |
|---|---|---|---|---|---|---|---|---|---|---|
| AccruedPreferredStockDividends | 2 M | 10 M | 14 M | 14 M | 14 M | 14 M | 12 M | 10 M | ||
| Basic EPS from continuing operations | 1.34 | 1.62 | 4.35 | 2.51 | 2.1 | 1.81 | 2.08 | 7.85 | 19.8 | 13.38 |
| Basic EPS total | 1.34 | 1.62 | 4.35 | 2.51 | 2.1 | 1.81 | 2.08 | 7.85 | 19.8 | 13.38 |
| Basic weighted shares outstanding | 24,485 M | 26,720 M | 27 M | 28 M | 31 M | 32 M | 31 M | 32 M | 32 M | 33 M |
| BasicDiscontinuousOperations | -0.33 | -1.22 | ||||||||
| CreditLossesProvision | 2 M | 15 M | 21 M | 7 M | 13 M | 11 M | 34 M | 63 M | 14 M | 28 M |
| Diluted EPS total | 1.3 | 1.55 | 4.07 | 2.31 | 1.97 | 1.78 | 2.05 | 7.81 | 18.99 | 13.02 |
| Diluted normalized net income/share | 1.3 | 1.55 | 4.07 | 2.31 | 1.97 | 1.78 | 2.05 | 7.81 | 18.99 | 13.02 |
| Diluted weighted shares outstanding | 25,148 M | 27,939 M | 29 M | 30 M | 33 M | 32 M | 32 M | 32 M | 34 M | 34 M |
| DilutedDiscontinuousOperations | -0.33 | -1.17 | ||||||||
| FeesAndCommissions | 3 M | 6 M | 2 M | 34 M | 10 M | -18 M | 1 M | 18 M | 19 M | -37 M |
| GainOnSaleOfBusiness | 13 M | -20 M | ||||||||
| GainsLossOnDisposalOfDiscontinuedOperations | -4 M | -9 M | -10 M | -40 M | ||||||
| GeneralAndAdministrativeExpense | 7 M | 9 M | 10 M | 16 M | 15 M | 11 M | 11 M | 9 M | 17 M | 16 M |
| Income before tax | 50 M | 66 M | 96 M | 125 M | 124 M | 91 M | 108 M | 190 M | 441 M | 291 M |
| Income restructuring and M&A | 352000.0 | 1 M | 410000.0 | 4 M | 100000.0 | 1 M | 418000.0 | |||
| Income taxes | 19 M | 24 M | 35 M | 48 M | 46 M | 19 M | 23 M | 47 M | 87 M | 63 M |
| InsuranceAndClaims | 7 M | 9 M | 10 M | 16 M | 15 M | 11 M | 11 M | 9 M | 17 M | 16 M |
| Interest expense | -24 M | -39 M | -54 M | -73 M | -106 M | -160 M | -186 M | -140 M | -96 M | -262 M |
| InterestExpenseForDeposit | 21 M | 24 M | 34 M | 48 M | 68 M | 111 M | 141 M | 92 M | 63 M | 226 M |
| InterestExpenseForLongTermDebt | 65000.0 | 9 M | 13 M | 13 M | 17 M | 7 M | 7 M | 11 M | 54 M | 84 M |
| InterestExpenseForLongTermDebtAndCapitalSecurities | 65000.0 | 9 M | 13 M | 13 M | 17 M | 7 M | 7 M | 11 M | 54 M | 84 M |
| InterestExpenseForShortTermDebt | 1 M | 5 M | 7 M | 12 M | 21 M | 31 M | 27 M | 22 M | 6 M | 11 M |
| InterestIncome | 128 M | 190 M | 250 M | 323 M | 373 M | 418 M | 464 M | 543 M | 781 M | 885 M |
| InterestIncomeAfterProvisionForLoanLoss | 99 M | 122 M | 155 M | 240 M | 247 M | 241 M | 219 M | 278 M | 644 M | 535 M |
| InterestIncomeFromDeposits | 2 M | 11 M | ||||||||
| InterestIncomeFromInvestmentSecurities | 6 M | 10 M | 10 M | 14 M | 25 M | 33 M | 24 M | 24 M | 40 M | 119 M |
| InterestIncomeFromLeases | 125000.0 | 5 M | 12 M | 18 M | 21 M | 28 M | ||||
| InterestIncomeFromLoans | 121 M | 177 M | 234 M | 303 M | 340 M | 373 M | 431 M | 512 M | 737 M | 745 M |
| InterestIncomeFromLoansAndLease | 121 M | 177 M | 234 M | 303 M | 340 M | 379 M | 444 M | 530 M | 758 M | 773 M |
| InterestIncomeFromSecurities | 6 M | 10 M | 10 M | 14 M | 25 M | 33 M | 24 M | 24 M | 40 M | 119 M |
| MarketingExpense | 1 M | 1 M | 697000.0 | 2 M | 1 M | 2 M | 4 M | 2 M | 2 M | 3 M |
| Net income from total operations | 33 M | 43 M | 59 M | 79 M | 79 M | 76 M | 84 M | 119 M | 312 M | 228 M |
| NetIncomeCommonStockholders | 33 M | 43 M | 56 M | 69 M | 64 M | 62 M | 70 M | 105 M | 300 M | 218 M |
| NetIncomeContinuousOperations | 33 M | 43 M | 59 M | 79 M | 79 M | 76 M | 84 M | 119 M | 312 M | 228 M |
| NetIncomeDiscontinuousOperations | -4 M | -9 M | -10 M | -40 M | ||||||
| NetInterestIncome | 102 M | 137 M | 176 M | 246 M | 261 M | 252 M | 253 M | 341 M | 658 M | 564 M |
| NetOccupancyExpense | 9 M | 8 M | 8 M | 10 M | 11 M | 12 M | 13 M | 11 M | 12 M | 14 M |
| NonInterestExpense | -74 M | -97 M | -115 M | -178 M | -216 M | -220 M | -232 M | -215 M | -294 M | -305 M |
| NonInterestIncome | 23 M | 25 M | 28 M | 56 M | 79 M | 59 M | 81 M | 64 M | 78 M | 32 M |
| NonRecurringOperationExpense | -8 M | |||||||||
| OccupancyAndEquipment | 9 M | 8 M | 8 M | 10 M | 11 M | 12 M | 13 M | 11 M | 12 M | 14 M |
| Other special charges | -3 M | -3 M | -4 M | -5 M | -5 M | -1 M | -6 M | -7 M | -5 M | -5 M |
| OtherCustomerServices | 536000.0 | 25 M | 42 M | -3 M | -11 M | -15 M | ||||
| OtherGainLossFromDispositionOfDiscontinuedOperations | -4 M | -9 M | -10 M | -40 M | ||||||
| OtherGandA | 7 M | 9 M | 10 M | 16 M | 15 M | 11 M | 11 M | 9 M | 17 M | 16 M |
| OtherInterestExpense | 2 M | -39 M | -54 M | -73 M | -106 M | 11 M | 11 M | 15 M | -96 M | -262 M |
| OtherInterestIncome | 1 M | 3 M | 6 M | 5 M | 8 M | 12 M | 9 M | 7 M | 2 M | 10 M |
| OtherNonInterestExpense | 14 M | 22 M | 21 M | 42 M | 56 M | 60 M | 61 M | 80 M | 118 M | 118 M |
| OtherNonInterestIncome | 19 M | 16 M | 21 M | 26 M | 77 M | 78 M | 71 M | 13 M | 45 M | 18 M |
| OtherunderPreferredStockDividend | 2 M | 10 M | 14 M | 14 M | 14 M | 14 M | 12 M | 10 M | ||
| PreferredStockDividends | 2 M | 10 M | 14 M | 14 M | 14 M | 14 M | 12 M | 10 M | ||
| ProfessionalExpenseAndContractServicesExpense | 6 M | 8 M | 9 M | 21 M | 28 M | 20 M | 25 M | 14 M | 27 M | 27 M |
| RentAndLandingFees | -6 M | |||||||||
| SalariesAndWages | 35 M | 46 M | 56 M | 81 M | 96 M | 105 M | 108 M | 94 M | 108 M | 112 M |
| SecuritiesActivities | 1 M | 3 M | -85000.0 | 25000.0 | 9 M | -19 M | 1 M | 20 M | 29 M | -23 M |
| Selling Gen & administrative expense | 44 M | 57 M | 67 M | 99 M | 112 M | 118 M | 123 M | 105 M | 126 M | 131 M |
| SellingAndMarketingExpense | 1 M | 1 M | 697000.0 | 2 M | 1 M | 2 M | 4 M | 2 M | 2 M | 3 M |
| ServiceChargeOnDepositorAccounts | 2 M | 3 M | 2 M | 9 M | 875000.0 | 606000.0 | 66000.0 | 2 M | 2 M | 869000.0 |
| Special income/charges | -14 M | -22 M | -21 M | -43 M | -57 M | -64 M | -61 M | -82 M | -118 M | -110 M |
| Total common shares outstanding | 24 M | 27 M | 27 M | 30 M | 31 M | 31 M | 31 M | 32 M | 33 M | 32 M |
| Total net income | 33 M | 43 M | 59 M | 79 M | 79 M | 76 M | 84 M | 119 M | 312 M | 228 M |
| Total ordinary shares | 31 M | 31 M | 31 M | 31 M | 31 M | 31 M | 31 M | 31 M | 31 M | 31 M |
| Total revenues | 124 M | 162 M | 203 M | 303 M | 339 M | 311 M | 334 M | 405 M | 736 M | 596 M |
| TotalPremiumsEarned | -3 M | |||||||||
| TotalRevenue | 124 M | 162 M | 203 M | 303 M | 339 M | 311 M | 334 M | 405 M | 736 M | 596 M |
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