Customers Bancorp, Inc.
New York Stock ExchangeTotal Valuation
Customers Bancorp, Inc. carries a market capitalization of 2.74B, placing it among publicly traded companies globally. Its enterprise value stands at 196.03M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.
| Market Cap | 2.74B |
| Enterprise Value | 196.03M |
Share Statistics
Customers Bancorp, Inc. currently has 33.77M shares outstanding.
| Shares Outstanding | 33.77M |
| Owned by Insiders (%) | N/A |
| Owned by Institutions (%) | N/A |
Valuation Ratios
Customers Bancorp, Inc. trades at a trailing price-to-earnings ratio of 9.23. The price-to-sales ratio is 2.93, and the price-to-book ratio stands at 1.21.
| PE Ratio | 9.23 |
| PS Ratio | 2.93 |
| PB Ratio | 1.21 |
| P/TBV Ratio | 1.21 |
| P/FCF Ratio | 5.16 |
| P/OCF Ratio | 6.98 |
Enterprise Valuation
On an enterprise value basis, Customers Bancorp, Inc. trades at an EV/EBITDA multiple of 4.59 and an EV/FCF ratio of 0.37.
| EV / Sales | 0.22 |
| EV / EBITDA | 4.59 |
| EV / EBIT | N/A |
| EV / FCF | 0.37 |
Financial Position
| Current Ratio | N/A |
| Quick Ratio | N/A |
| Debt / Equity | 105.64 |
| Debt / EBITDA | 54.61 |
| Interest Coverage | N/A |
Financial Efficiency
| Return on Equity (ROE) | 14.44 |
| Return on Assets (ROA) | 1.19 |
| Return on Invested Capital (ROIC) | N/A |
| Return on Capital Employed (ROCE) | N/A |
| Revenue Per Employee | N/A |
| Employee Count | N/A |
| Inventory Turnover | N/A |
Taxes
Over the trailing twelve months, Customers Bancorp, Inc. has paid 85.95M in income taxes, reflecting an effective tax rate of 22.77.
| Income Tax | 85.95M |
| Effective Tax Rate | 22.77 |
Stock Price Statistics
Customers Bancorp, Inc.'s stock has gained approximately 20.47853% over the past 52 weeks. The 50-day moving average sits at 79.14, while the 200-day moving average is 74.86.
| Beta (5Y) | N/A |
| 52-Week Price Change | 20.47853% |
| 50-Day Moving Average | 79.14 |
| 200-Day Moving Average | 74.86 |
| Average Volume (20 Days) | N/A |
Income Statement
Over the trailing twelve months, Customers Bancorp, Inc. generated 906.34M in revenue and converted that into 291.45M in net income, yielding earnings per share of 8.38.
| Revenue | 906.34M |
| Gross Profit | N/A |
| Operating Income | N/A |
| Pretax Income | 377.40M |
| Net Income | 291.45M |
| EBITDA | 42.67M |
| EBIT | N/A |
| Earnings Per Share (EPS) | 8.38 |
Balance Sheet
Customers Bancorp, Inc. holds 4.81B in cash and equivalents against 2.33B in total debt, resulting in a net debt position of -1.85B.
| Cash & Cash Equivalents | 4.81B |
| Total Debt | 2.33B |
| Net Debt | -1.85B |
| Equity (Book Value) | 2.21B |
| Book Value Per Share | 65.31 |
| Working Capital | N/A |
Cash Flow
Customers Bancorp, Inc. produced 380.86M in operating cash flow over the past twelve months. After subtracting -151.81M in capital expenditures, free cash flow totaled 229.05M - equivalent to 6.82 per share.
| Operating Cash Flow | 380.86M |
| Capital Expenditures | -151.81M |
| Free Cash Flow | 229.05M |
| FCF Per Share | 6.82 |
Margins
Customers Bancorp, Inc. operates with a gross margin of 100.00, reflecting its pricing power and cost economics.
| Gross Margin | 100.00 |
| Operating Margin | N/A |
| Pretax Margin | 41.64 |
| Profit Margin | 32.16 |
| EBITDA Margin | 4.71 |
Dividends & Yields
The company's payout ratio of 0.11 indicates the proportion of earnings distributed to shareholders.
| Dividend Per Share | 0.12 |
| Dividend Yield | N/A |
| Payout Ratio | 0.11 |
| Shareholder Yield | -136.84 |
| FCF Yield | 19.37 |
Stock Splits
Customers Bancorp, Inc.'s most recent stock split took place on May 22, 2014 with a 10:11 split ratio.
| Last Split Date | 5/22/2014 |
| Split Ratio | 10:11 |
Scores
Customers Bancorp, Inc. posts an Altman Z-Score of 0.19, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.
| Altman Z-Score | 0.19 |