CUSTOMERS BANCORP, INC. |
Market Closed -
Other stock markets
|
5-day change | 1st Jan Change | ||
| 46.82 USD | -5.47% |
|
-2.90% | -18.74% |
| Apr. 26 | Transcript : Customers Bancorp, Inc., Q1 2024 Earnings Call, Apr 26, 2024 | |
| Apr. 26 | Wedbush Trims Customers Bancorp's PT to $61 From $63 After Mixed Q1 Results, Keeps Outperform Rating | MT |
Valuation
| Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Capitalization 1 | 745.7 | 574.5 | 2,119 | 921.5 | 1,810 | 1,482 | - |
| Enterprise Value (EV) 1 | 745.7 | 574.5 | 2,119 | 921.5 | 1,810 | 1,482 | 1,482 |
| P/E ratio | 11.6 x | 4.86 x | 7.34 x | 4.35 x | 7.87 x | 7.56 x | 6.4 x |
| Yield | - | - | - | - | - | - | - |
| Capitalization / Revenue | 2.69 x | 1.42 x | 3.09 x | 1.47 x | 2.63 x | 2.13 x | 2.01 x |
| EV / Revenue | 2.69 x | 1.42 x | 3.09 x | 1.47 x | 2.63 x | 2.13 x | 2.01 x |
| EV / EBITDA | - | - | - | - | - | - | - |
| EV / FCF | - | - | - | - | - | - | - |
| FCF Yield | - | - | - | - | - | - | - |
| Price to Book | 0.89 x | 0.64 x | 1.75 x | 0.73 x | 1.21 x | 0.86 x | 0.76 x |
| Nbr of stocks (in thousands) | 31,320 | 31,601 | 32,412 | 32,515 | 31,414 | 31,652 | - |
| Reference price 2 | 23.81 | 18.18 | 65.37 | 28.34 | 57.62 | 46.82 | 46.82 |
| Announcement Date | 1/22/20 | 1/27/21 | 1/24/22 | 1/25/23 | 1/25/24 | - | - |
1USD in Million2USD
Estimates
Income Statement Evolution (Annual data)
| Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Net sales 1 | 277.3 | 403.7 | 686.2 | 624.9 | 689 | 694.8 | 735.9 |
| EBITDA | - | - | - | - | - | - | - |
| EBIT 1 | 126.3 | 228.4 | 469.8 | 400.7 | 416.6 | 389.6 | 436.2 |
| Operating Margin | 45.56% | 56.58% | 68.46% | 64.12% | 60.46% | 56.08% | 59.28% |
| Earnings before Tax (EBT) 1 | 102.1 | 176 | 441.2 | 291.3 | 330.7 | 302.8 | 337.5 |
| Net income 1 | 64.87 | 118.5 | 300.1 | 218.4 | 235.4 | 224.4 | 241.6 |
| Net margin | 23.39% | 29.36% | 43.74% | 34.95% | 34.17% | 32.3% | 32.84% |
| EPS 2 | 2.050 | 3.740 | 8.910 | 6.510 | 7.320 | 6.197 | 7.313 |
| Free Cash Flow | - | - | - | - | - | - | - |
| FCF margin | - | - | - | - | - | - | - |
| FCF Conversion (EBITDA) | - | - | - | - | - | - | - |
| FCF Conversion (Net income) | - | - | - | - | - | - | - |
| Dividend per Share | - | - | - | - | - | - | - |
| Announcement Date | 1/22/20 | 1/27/21 | 1/24/22 | 1/25/23 | 1/25/24 | - | - |
1USD in Million2USD
Estimates
Income Statement Evolution (Quarterly data)
| Fiscal Period: December | 2021 Q3 | 2021 Q4 | 2022 Q1 | 2022 Q2 | 2022 Q3 | 2022 Q4 | 2023 Q1 | 2023 Q2 | 2023 Q3 | 2023 Q4 | 2024 Q1 | 2024 Q2 | 2024 Q3 | 2024 Q4 | 2025 Q1 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net sales 1 | 220.2 | 194 | 164.9 | 165.1 | 159.4 | 135.5 | 150.3 | 165.7 | 200.2 | 172.9 | 160.8 | 169.7 | 175.5 | 178 | 176.9 |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBIT 1 | 167.2 | 129.3 | 112.4 | 105.7 | 101 | 81.38 | 89.28 | 96.83 | 128.6 | 101.9 | 83.67 | 90.78 | 98.31 | 105.2 | 102.8 |
| Operating Margin | 75.94% | 66.68% | 68.12% | 64.01% | 63.37% | 60.07% | 59.41% | 58.45% | 64.22% | 58.93% | 52.04% | 53.5% | 56% | 59.07% | 58.08% |
| Earnings before Tax (EBT) 1 | 152.3 | 115.2 | 96.09 | 77.55 | 81.81 | 35.85 | 68.28 | 68.34 | 110.2 | 83.89 | 65.38 | 73.52 | 78.86 | 80.92 | 79 |
| Net income 1 | 110.2 | 98.65 | 74.9 | 56.52 | 61.36 | 25.62 | 50.26 | 44.01 | 82.95 | 58.22 | 45.93 | 57 | 60 | 62 | 58.19 |
| Net margin | 50.07% | 50.86% | 45.41% | 34.23% | 38.51% | 18.91% | 33.45% | 26.56% | 41.44% | 33.67% | 28.56% | 33.59% | 34.18% | 34.82% | 32.89% |
| EPS 2 | 3.250 | 2.870 | 2.180 | 1.680 | 1.850 | 0.7700 | 1.550 | 1.390 | 2.580 | 1.790 | 1.400 | 1.616 | 1.714 | 1.745 | 1.706 |
| Dividend per Share | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Announcement Date | 10/27/21 | 1/24/22 | 4/27/22 | 7/27/22 | 10/26/22 | 1/25/23 | 4/27/23 | 7/27/23 | 10/26/23 | 1/25/24 | 4/25/24 | - | - | - | - |
1USD in Million2USD
Estimates
Balance Sheet Analysis
| Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Net Debt | - | - | - | - | - | - | - |
| Net Cash position | - | - | - | - | - | - | - |
| Leverage (Debt/EBITDA) | - | - | - | - | - | - | - |
| Free Cash Flow | - | - | - | - | - | - | - |
| ROE (net income / shareholders' equity) | 8.3% | 14.6% | 28.8% | 17.4% | 17.3% | 13.3% | 13.1% |
| ROA (Net income/ Total Assets) | 0.74% | 0.85% | 1.64% | 1.13% | 1.16% | 1.01% | 1.1% |
| Assets 1 | 8,766 | 13,946 | 18,301 | 19,328 | 20,297 | 22,273 | 21,967 |
| Book Value Per Share 2 | 26.70 | 28.40 | 37.30 | 39.10 | 47.70 | 54.70 | 61.80 |
| Cash Flow per Share | - | - | - | - | - | - | - |
| Capex | - | - | - | - | - | - | - |
| Capex / Sales | - | - | - | - | - | - | - |
| Announcement Date | 1/22/20 | 1/27/21 | 1/24/22 | 1/25/23 | 1/25/24 | - | - |
1USD in Million2USD
Estimates
EPS & Dividend
Year-on-year evolution of the PER
Change in Enterprise Value/EBITDA
Trading Rating
Investor Rating
ESG Refinitiv
C+
Sell
Buy
Mean consensus
BUY
Number of Analysts
10
Last Close Price
46.82
USD
Average target price
66.8
USD
Spread / Average Target
+42.67%
EPS Revisions
| 1st Jan change | Capi. | |
|---|---|---|
| -18.74% | 1.48B | |
| +13.75% | 556B | |
| +12.36% | 298B | |
| +8.64% | 247B | |
| +21.72% | 210B | |
| +16.11% | 170B | |
| +6.88% | 162B | |
| +4.42% | 153B | |
| +0.10% | 139B | |
| -11.67% | 138B |
- Stock Market
- Equities
- CUBI Stock
- Financials Customers Bancorp, Inc.
