Customers Bancorp Stock Analysis

CUBI Stock  USD 46.83  0.40  0.86%   
Customers Bancorp is fairly valued with Real Value of 45.74 and Target Price of 47.83. The main objective of Customers Bancorp stock analysis is to determine its intrinsic value, which is an estimate of what Customers Bancorp is worth, separate from its market price. There are two main types of Customers Bancorp's stock analysis: fundamental analysis and technical analysis. Fundamental analysis focuses on the financial and economic factors that affect Customers Bancorp's performance, such as revenue growth, earnings, and financial stability. Technical analysis, on the other hand, focuses on the price and volume data of Customers Bancorp's stock to identify patterns and trends that may indicate its future price movements.
The Customers Bancorp stock is traded in the USA on New York Stock Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Customers Bancorp is usually not traded on Thanksgiving Day, Christmas Day, New Year 's Day, Dr . Martin Luther King Jr 's Birthday, Washington 's Birthday, Good Friday, Memorial Day, Juneteenth Holiday, Independence Day, Labour Day. Customers Stock trading window is adjusted to America/New York timezone. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and Customers Bancorp's ongoing operational relationships across important fundamental and technical indicators.
  
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Customers Bancorp. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in bureau of labor statistics.
For more detail on how to invest in Customers Stock please use our How to Invest in Customers Bancorp guide.

Customers Stock Analysis Notes

About 88.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 1.03. Some equities with similar Price to Book (P/B) outperform the market in the long run. Customers Bancorp recorded earning per share (EPS) of 7.28. The entity had not issued any dividends in recent years. The firm had 11:10 split on the 22nd of May 2014. Customers Bancorp, Inc. operates as the bank holding company for Customers Bank that provides financial products and services to individual consumers, and small and middle market businesses. Customers Bancorp, Inc. was founded in 1994 and is headquartered in West Reading, Pennsylvania. Customers Bancorp operates under BanksRegional classification in the United States and is traded on New York Stock Exchange. It employs 672 people. For more info on Customers Bancorp please contact Richard Ehst at 610 933 2000 or go to https://www.customersbank.com.

Customers Bancorp Investment Alerts

Many investors view ongoing market volatility as an opportunity to purchase more stocks at a favorable price or short it to generate a bearish trend profit opportunity. If you are one of those investors, make sure you clearly understand the position you are entering. Customers Bancorp's investment alerts are automatically generated signals that are significant enough to either complement your investing judgment regarding Customers Bancorp or challenge it. These alerts can help you understand what you are buying and avoid costly mistakes.
Customers Bancorp generated a negative expected return over the last 90 days
Over 88.0% of the company shares are held by institutions such as insurance companies
Latest headline from telegraph.co.uk: Mamma mia The loss of Italian waiters is a tragedy for lasagne lovers

Customers Bancorp Upcoming and Recent Events

Earnings reports are used by Customers Bancorp to provide an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Every quarterly earnings report provides investors with three things: an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Customers Bancorp previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
25th of April 2024
Upcoming Quarterly Report
View
25th of July 2024
Next Financial Report
View
31st of March 2024
Next Fiscal Quarter End
View
23rd of January 2025
Next Fiscal Year End
View
31st of December 2023
Last Quarter Report
View
31st of December 2023
Last Financial Announcement
View

Customers Largest EPS Surprises

Earnings surprises can significantly impact Customers Bancorp's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2014-01-23
2013-12-310.290.330.0413 
2013-07-15
2013-06-300.310.350.0412 
2013-04-10
2013-03-310.30.350.0516 
View All Earnings Estimates

Customers Stock Institutional Investors

Have you ever been surprised when a price of an equity instrument such as Customers Bancorp is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Customers Bancorp backward and forwards among themselves. Customers Bancorp's institutional investor refers to the entity that pools money to purchase Customers Bancorp's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
Shares
Goldman Sachs Group Inc2023-12-31
496.3 K
American Century Companies Inc2023-12-31
461.2 K
Aristotle Capital Boston, Llc2023-12-31
455.5 K
Tidal Investments Llc.2023-12-31
449.5 K
Charles Schwab Investment Management Inc2023-12-31
407.9 K
Lsv Asset Management2023-12-31
353.4 K
Amvescap Plc.2023-12-31
340.4 K
Northern Trust Corp2023-12-31
317.6 K
Ameriprise Financial Inc2023-12-31
292.8 K
Blackrock Inc2023-12-31
4.6 M
Dimensional Fund Advisors, Inc.2023-12-31
2.2 M
Note, although Customers Bancorp's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Customers Market Capitalization

The company currently falls under 'Mid-Cap' category with a current market capitalization of 1.47 B. Market capitalization usually refers to the total value of a company's stock within the entire market. To calculate Customers Bancorp's market, we take the total number of its shares issued and multiply it by Customers Bancorp's current market price. To manage market risk and economic uncertainty, many investors today build portfolios that are diversified across equities with different market capitalizations. However, as a general rule, conservative investors tend to hold large-cap stocks, and those looking for more risk prefer small-cap and mid-cap equities.

Customers Profitablity

Customers Bancorp's profitability indicators refer to fundamental financial ratios that showcase Customers Bancorp's ability to generate income relative to its revenue or operating costs. If, let's say, Customers Bancorp is currently losing money, the management's focus should be on how to reverse that trend. However, when revenue exceeds expenses, Customers Bancorp's executives or investors may be in less hurry to break that information down - which is where profitability analysis comes into play. Gaining a greater understanding of Customers Bancorp's profitability requires more research than a typical breakdown of Customers Bancorp's financial statements. By doing a profitability analysis, companies can identify areas needing attention, and investors can make a profitable trade.
The company has Profit Margin (PM) of 0.37 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.54 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.54.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.01  0.01 
Return On Capital Employed 0.04  0.04 
Return On Assets 0.01  0.01 
Return On Equity 0.15  0.09 

Management Efficiency

Customers Bancorp has return on total asset (ROA) of 0.0118 % which means that it generated a profit of $0.0118 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.1645 %, meaning that it created $0.1645 on every $100 dollars invested by stockholders. Customers Bancorp's management efficiency ratios could be used to measure how well Customers Bancorp manages its routine affairs as well as how well it operates its assets and liabilities. The Customers Bancorp's current Return On Capital Employed is estimated to increase to 0.04, while Return On Tangible Assets are projected to decrease to 0.01. As of now, Customers Bancorp's Other Current Assets are increasing as compared to previous years. The Customers Bancorp's current Total Current Assets is estimated to increase to about 6.8 B, while Total Assets are projected to decrease to under 11.5 B.
Last ReportedProjected for Next Year
Book Value Per Share 52.12  54.72 
Net Current Asset Value 0.00  0.00 
Tangible Asset Value 0.00  0.00 
Tangible Book Value Per Share 52.00  54.60 
Enterprise Value Over EBITDA(1.54)(1.46)
Price Book Value Ratio 1.11  1.06 
Enterprise Value Multiple(1.54)(1.46)
Price Fair Value 1.11  1.06 
Enterprise Value-507.7 M-482.3 M
The analysis of Customers Bancorp's management efficiency is an essential part of evaluating and assessing the financial and operational performance of the entity. It is also vital to analyze Customers Bancorp's future growth prospects and the overall market conditions to determine the value and potential of its stock. The analysis involves studying a range of financial metrics such as revenue, earnings, profit margins, cash flow, debt, market share, and external factors such as economic trends, industry outlook, competition, and government regulations. The goal of Customers Stock analysis is to determine whether it is undervalued, fairly valued, or overvalued and to make informed investment decisions.
Beta
1.649

Technical Drivers

As of the 18th of April 2024, Customers Bancorp shows the Risk Adjusted Performance of (0.03), standard deviation of 2.34, and Mean Deviation of 1.79. Customers Bancorp technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices. Put another way, you can use this information to find out if the firm will indeed mirror its model of historical prices and volume momentum, or the prices will eventually revert. We have analyzed thirteen technical drivers for Customers Bancorp, which can be compared to its peers. Please confirm Customers Bancorp market risk adjusted performance, variance, as well as the relationship between the Variance and value at risk to decide if Customers Bancorp is priced correctly, providing market reflects its regular price of 46.83 per share. Given that Customers Bancorp has information ratio of (0.08), we suggest you to validate Customers Bancorp's prevailing market performance to make sure the company can sustain itself at a future point.

Customers Bancorp Price Movement Analysis

The output start index for this execution was two with a total number of output elements of fifty-nine. The Bollinger Bands is very popular indicator that was developed by John Bollinger. It consist of three lines. Customers Bancorp middle band is a simple moving average of its typical price. The upper and lower bands are (N) standard deviations above and below the middle band. The bands widen and narrow when the volatility of the price is higher or lower, respectively. The upper and lower bands can also be interpreted as price targets for Customers Bancorp. When the price bounces off of the lower band and crosses the middle band, then the upper band becomes the price target.

Customers Bancorp Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Customers Bancorp insiders, such as employees or executives, is commonly permitted as long as it does not rely on Customers Bancorp's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Customers Bancorp insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
 
Watkins Philip few days ago
Disposition of 20000 shares by Watkins Philip of Customers Bancorp at 28.37 subject to Rule 16b-3
 
Watkins Philip few days ago
Disposition of 20000 shares by Watkins Philip of Customers Bancorp at 28.37 subject to Rule 16b-3
 
Watkins Philip over a week ago
Disposition of 20000 shares by Watkins Philip of Customers Bancorp at 28.37 subject to Rule 16b-3
 
Carla Leibold over a week ago
Disposition of 1241 shares by Carla Leibold of Customers Bancorp at 50.43 subject to Rule 16b-3
 
Carla Leibold over a week ago
Disposition of 1469 shares by Carla Leibold of Customers Bancorp at 50.43 subject to Rule 16b-3
 
Cheney Joan Patricia over a week ago
Disposition of 643 shares by Cheney Joan Patricia of Customers Bancorp at 50.0 subject to Rule 16b-3
 
Watkins Philip over two weeks ago
Disposition of 20000 shares by Watkins Philip of Customers Bancorp at 28.37 subject to Rule 16b-3
 
Watkins Philip over two weeks ago
Disposition of 20000 shares by Watkins Philip of Customers Bancorp at 28.37 subject to Rule 16b-3
 
Watkins Philip over two weeks ago
Disposition of 20000 shares by Watkins Philip of Customers Bancorp at 28.37 subject to Rule 16b-3
 
Jessie Velasquez over two weeks ago
Disposition of 1364 shares by Jessie Velasquez of Customers Bancorp at 44.3505 subject to Rule 16b-3
 
Watkins Philip over two weeks ago
Disposition of 20000 shares by Watkins Philip of Customers Bancorp at 28.37 subject to Rule 16b-3
 
Watkins Philip over two weeks ago
Disposition of 20000 shares by Watkins Philip of Customers Bancorp at 28.37 subject to Rule 16b-3

Customers Bancorp Predictive Daily Indicators

Customers Bancorp intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Customers Bancorp stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

Customers Bancorp Corporate Filings

17th of April 2024
Other Reports
ViewVerify
F4
15th of April 2024
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
8K
12th of April 2024
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F4
8th of April 2024
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
5th of April 2024
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
26th of March 2024
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
18th of March 2024
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
13th of March 2024
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify

Customers Bancorp Forecast Models

Customers Bancorp's time-series forecasting models are one of many Customers Bancorp's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Customers Bancorp's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

About Customers Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how Customers Bancorp prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Customers shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Customers Bancorp. By using and applying Customers Stock analysis, traders can create a robust methodology for identifying Customers entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.23  0.22 
Operating Profit Margin 0.23  0.22 
Net Profit Margin 0.17  0.33 
Gross Profit Margin 1.09  1.07 

Current Customers Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Customers analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Customers analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceAdvice# of Analysts
47.83Strong Buy10Odds
Customers Bancorp current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most Customers analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand Customers stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of Customers Bancorp, talking to its executives and customers, or listening to Customers conference calls.
Customers Analyst Advice Details

Customers Stock Analysis Indicators

Customers Bancorp stock analysis indicators help investors evaluate how Customers Bancorp stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Customers Bancorp shares will generate the highest return on investment. By understating and applying Customers Bancorp stock analysis, traders can identify Customers Bancorp position entry and exit signals to maximize returns.
Begin Period Cash Flow455.8 M
Long Term Debt1.5 B
Common Stock Shares Outstanding32.2 M
Total Stockholder Equity1.6 B
Tax Provision65.9 M
Quarterly Earnings Growth Y O Y1.314
Property Plant And Equipment Net23 M
Cash And Short Term Investments2.9 B
Cash3.8 B
Net Debt-2.3 B
50 Day M A51.8902
Total Current Liabilities12.5 B
Other Operating Expenses3.1 M
Non Current Assets Total17.4 B
Non Currrent Assets Other13 B
Stock Based Compensation12.6 M
When determining whether Customers Bancorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Customers Bancorp's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Customers Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Customers Bancorp Stock:
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Customers Bancorp. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in bureau of labor statistics.
For more detail on how to invest in Customers Stock please use our How to Invest in Customers Bancorp guide.
Note that the Customers Bancorp information on this page should be used as a complementary analysis to other Customers Bancorp's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Insider Screener module to find insiders across different sectors to evaluate their impact on performance.

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When running Customers Bancorp's price analysis, check to measure Customers Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Customers Bancorp is operating at the current time. Most of Customers Bancorp's value examination focuses on studying past and present price action to predict the probability of Customers Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Customers Bancorp's price. Additionally, you may evaluate how the addition of Customers Bancorp to your portfolios can decrease your overall portfolio volatility.
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Is Customers Bancorp's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Customers Bancorp. If investors know Customers will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Customers Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
1.314
Earnings Share
7.28
Revenue Per Share
21.74
Quarterly Revenue Growth
0.632
Return On Assets
0.0118
The market value of Customers Bancorp is measured differently than its book value, which is the value of Customers that is recorded on the company's balance sheet. Investors also form their own opinion of Customers Bancorp's value that differs from its market value or its book value, called intrinsic value, which is Customers Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Customers Bancorp's market value can be influenced by many factors that don't directly affect Customers Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Customers Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if Customers Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Customers Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.