Customers Bancorp, Inc.

Customers Bancorp, Inc.

CUBIยทNYSE

$72.69

-0.21%
Financial ServicesBanks - Regional

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. The company offers deposits products, including checking, savings, MMDA, and other deposits accounts. It offers loan products, including commercial mortgage warehouse loans, multi-family and commercial real estate loans, business banking, small business loans, equipment financing, residential mortgage loans, and installment loans. It also offers traditional banking activities, including mobile phone banking, internet banking, wire transfers, electronic bill payment, lock box services, remote deposit capture services, courier services, merchant processing services, cash vault, controlled disbursements, positive pay, cash management services, such as account reconciliation, collections, and sweep accounts. It operates 12 full-service branches, as well as limited production and administrative offices in Southeastern Pennsylvania, including Bucks, Berks, Chester, Philadelphia, and Delaware Counties; Harrisburg, Pennsylvania; Rye Brook and New York; Hamilton, New Jersey; Boston, Massachusetts; Providence, Rhode Island; Portsmouth, New Hampshire; Manhattan and Melville, New York; Washington D.C.; Chicago, Illinois; Dallas, Texas; Orlando, Florida; and Wilmington, North Carolina. Customers Bancorp, Inc. was founded in 1994 and is headquartered in West Reading, Pennsylvania.

At a Glance

Live Snapshot
Market Cap$2.46B
EPS6.4000
P/E Ratio11.36
Earnings Date07/23/2026
Customers Bancorp, Inc.

Customers Bancorp, Inc. Fair Value Envelope

CUBI ยท NYSE

Our analysis suggests that CUBI has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $72.69, this represents a potential HIDDEN relative to our calculated worth for Customers Bancorp, Inc..

Intrinsic Value
Current Price: $72.69

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$4,473.5B
+ Cash & Equivalents$62.1M
Firm Value$4,473.5B
- Debt$1.7B
Equity Value$4,471.8B
/ Shares Outstanding31,681,956B
DCF Value$141.1K
UNDERVALUED BY 194077%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$989.5M
$2.0B
$4.0B
$7.9B
$15.8B
$31.7B
$63.3B
$126.7B
$253.3B
$506.6B
Maintenance CapEx
-$5.5M
-$11.0M
-$22.0M
-$44.0M
-$87.9M
-$175.9M
-$351.7M
-$703.4M
-$1.4B
-$2.8B
Owner Earnings
$984.0M
$2.0B
$3.9B
$7.9B
$15.7B
$31.5B
$63.0B
$126.0B
$251.9B
$503.8B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$911.1M
$1.7B
$3.1B
$5.8B
$10.7B
$19.8B
$36.7B
$68.0B
$126.0B
$233.4B
Terminal Value represents 88.7% of Enterprise Value