ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Customers Bancorp, Inc. ?
1
Healthy long term growth as Net profit has grown by an annual rate of 19.81%
2
With a growth in Interest of NAN%, the company declared Very Positive results in Jun 25
- The company has declared positive results in Jan 70 after 3 consecutive negative quarters
- OPERATING CASH FLOW(Y) Highest at USD 414.07 MM
- GROSS NPA (%)(Q) Lowest at 0.18%
- NII(Q) Highest at USD 176.7 MM
3
With ROA of 0.43%, it has a fair valuation with a 0.92 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 35.18%, its profits have fallen by -41.2%
4
Market Beating performance in long term as well as near term
- Along with generating 35.18% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Customers Bancorp, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Customers Bancorp, Inc. for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Customers Bancorp, Inc.
42.69%
1.72
40.19%
S&P 500
22.99%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
20.14%
EBIT Growth (5y)
10.45%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
96.29%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Industry P/E
Price to Book Value
1.14
EV to EBIT
-1.48
EV to EBITDA
-1.31
EV to Capital Employed
0.61
EV to Sales
-0.33
PEG Ratio
0.28
Dividend Yield
NA
ROCE (Latest)
-41.24%
ROE (Latest)
13.02%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend15What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 435.7 MM
NET PROFIT(HY)
At USD 144.15 MM has Grown at 58.15%
ROCE(HY)
Highest at 1.16%
CREDIT DEPOSIT RATIO(Q)
Highest at 0.28%
CASH AND EQV(HY)
Highest at USD 151.2 MM
-2What is not working for the Company
ROCE(HY)
Lowest at 1.16%
Here's what is working for Customers Bancorp, Inc.
Operating Cash Flow
Highest at USD 435.7 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Credit Deposit Ratio
Highest at 0.28% and Grown
In each half year in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Net Profit
At USD 144.15 MM has Grown at 58.15%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Cash and Eqv
Highest at USD 151.2 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Depreciation
Highest at USD 12.69 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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