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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#2963
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Banking
$2.1B
Jay S. Sidhu
Customers Bancorp, Inc. provides financial products and services to individual consumers and small and middle market businesses. It operates 12 full-service branches in Southeastern Pennsylvania, including Bucks, Berks, Chester, Philadelphia, and Delaware Counties.
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Get full access to institutional-quality research tools with Blank Capital Pro.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = CUBI ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$CUBI Customers Bancorp, Inc. | 44 | 30 | 44 | 70 | 12.7x | 14.9x | 9.2% | 0.8% | 87.0% | 13.0% | 24.8% | 16.8% | 0.0% | 69.0x | $2.1B | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
Customers Bancorp, Inc. (CUBI) receives a "Reduce" rating with a composite score of 44.0/100. It ranks #2963 out of 7,333 stocks in our coverage universe and carries a 2-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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Outperforming peers — winners tend to keep winning over 3-12 months
Fair valuation relative to peers
Weak fundamentals — higher risk of value trap
High volatility — wider range of outcomes increases timing risk
Moderate investment profile
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for CUBI.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 30 | 30 | 0NEUTRAL |
| MOMENTUM | 70 | 77 | -7DRAG |
| VALUATION | 44 | 51 | -7DRAG |
| INVESTMENT | 36 | 64 | -28DRAG |
| STABILITY | 30 | 22 | +8ALPHA |
| SHORT INT | 36 | 30 | +6ALPHA |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC 1.7% vs WACC 9.3% (spread -7.6%)
GM 87% vs sector 78%, OM 13% vs sector 18%
Capital turnover 0.16x
Rev growth 17%, 10yr history
Interest coverage 0.2x, Net debt/EBITDA 16.8x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate Customers Bancorp, Inc. (CUBI) as a Reduce with a composite score of 44.0/100 at a current price of $70.05. The quantitative profile shows weakness across multiple dimensions, suggesting limited upside potential.
Customers Bancorp, Inc. holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 44.0/100 places it at rank #2963 in our full universe.
The near-term outlook is constructive, with revenue growing at 17% and momentum in the 70th percentile confirming positive market sentiment. The combination of strong top-line growth and favorable price dynamics suggests the company is executing well on its growth strategy.
No Moat
High
Standard
Fair Value
Gross margins of 87% signal strong pricing power.
Positive momentum indicates institutional accumulation.
Stable competitive position in a defensive sector.
Below-average quality raises earnings sustainability concerns.
Vulnerability to macroeconomic shocks and interest rate volatility.
Customers Bancorp, Inc. represents a reduce based on multi-factor quantitative performance.
Customers Bancorp, Inc. receives a Reduce rating from our analysis, with a composite score of 44.0/100 and 2 out of 5 stars, ranking #2963 out of 7,333 stocks. CUBI's factor profile shows weakness across multiple dimensions, suggesting the stock may underperform going forward. Existing holders may want to consider trimming positions or tightening stop-losses.
CUBI's quality score of 30/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 9.2% (sector avg: 9.0%), gross margins of 87.0% (sector avg: 77.7%), net margins of 24.8% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
With a value score of 44/100, CUBI appears somewhat expensive relative to its fundamentals. Key valuation metrics include a P/E ratio of 12.71x, an EV/EBITDA of 14.86x, a P/B ratio of 1.17x. Investors paying a premium here are likely betting on above-average growth or margin expansion to justify current prices.
Customers Bancorp, Inc.'s investment score of 36/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of 16.8% vs. a sector average of 10.7% and a return on assets of 0.8% (sector: 1.3%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
CUBI shows strong momentum characteristics with a score of 70/100. The stock has been trending above key moving averages, indicating solid demand from institutional buyers. Revenue growth stands at 16.8% year-over-year, while a beta of 1.28 reflects its sensitivity to broader market moves. This level of momentum typically signals sustained investor confidence and favorable near-term price action.
CUBI's stability score of 30/100 signals elevated volatility and/or leverage concerns. Key stability metrics include a beta of 1.28 and a debt-to-equity ratio of 69.00x (sector avg: 0.5x). Investors should be prepared for wider-than-average price swings and consider position sizing accordingly to manage portfolio risk.
Customers Bancorp, Inc.'s short interest score of 36/100 reveals significant bearish positioning, suggesting institutional investors are actively betting against the stock. Specific risk factors include above-average market sensitivity (beta: 1.28), elevated leverage (D/E: 69.00x). At $2.1B (mid-cap), CUBI carries meaningful risk and is best suited for investors with high risk tolerance who have thoroughly evaluated the bear thesis.
Customers Bancorp, Inc. is a mid-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #2963 of 7,333 overall (60th percentile). Key comparisons include ROE of 9.2% exceeding the 9.0% sector median and operating margins of 13.0% below the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While CUBI currently exhibits a REDUCE profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
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Improvement in Quality (30) would have the largest impact on the composite score.
EV/EBITDA 91% ABOVE SECTOR MEDIAN
ROE IN LINE WITH SECTOR BENCHMARKS
Gross Margin 12% ABOVE SECTOR MEDIAN (FAVORABLE)
Above 50MA
37.18%
Net New Highs
+51081
Customers Bancorp CEO Jay S. Sidhu sold 7,479 shares worth $523,947, representing 0.81% of his direct holdings. Despite the sale, the company showed strong Q3 performance with increased net income and earnings per share.
On February 11, 2026, Customers Bancorp, Inc. announced that its Board of Directors had authorized a one-year share repurchase program of up to US$100,000,000 of its common stock. This buyback authorization highlights management’s willingness to deploy capital into reducing the share count, which can enhance per-share metrics and shareholder returns over time. Now we’ll examine how this US$100,000,000 repurchase plan may reshape Customers Bancorp’s investment narrative and capital allocation...
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COLUMBUS, Ohio (WCMH) — Saks Fifth Avenue will permanently close its store at Polaris Fashion Place, eliminating 41 jobs, according to a notice filed with the city. In a Feb. 10 Worker Adjustment and Restraining Notification letter addressed to Columbus Mayor Andrew Ginther, Saks & Company LLC said the store at 1500 Polaris Parkway will […]
On February 11, 2026, Customers Bancorp, Inc. announced that its Board approved a new one-year share repurchase program of up to US$100,000,000 of common stock, with purchases funded by cash on hand and executed in open-market or private transactions at management’s discretion. This authorization not only reflects management’s confidence after several years of balance sheet strengthening, but also introduces a flexible capital tool that could interact meaningfully with Customers Bancorp’s...