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Upturn AI SWOT - About
CUBI 
Customers Bancorp Inc (CUBI)
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Upturn Advisory Summary
04/01/2025: CUBI (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 31.33% | Avg. Invested days 29 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.62B USD | Price to earnings Ratio 10.15 | 1Y Target Price 66.44 |
Price to earnings Ratio 10.15 | 1Y Target Price 66.44 | ||
Volume (30-day avg) 276473 | Beta 1.75 | 52 Weeks Range 42.31 - 68.49 | Updated Date 04/2/2025 |
52 Weeks Range 42.31 - 68.49 | Updated Date 04/2/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 5.09 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 28.29% | Operating Margin (TTM) 31.41% |
Management Effectiveness
Return on Assets (TTM) 0.83% | Return on Equity (TTM) 10.44% |
Valuation
Trailing PE 10.15 | Forward PE - | Enterprise Value -595075328 | Price to Sales(TTM) 2.53 |
Enterprise Value -595075328 | Price to Sales(TTM) 2.53 | ||
Enterprise Value to Revenue 4.58 | Enterprise Value to EBITDA - | Shares Outstanding 31467200 | Shares Floating 29284047 |
Shares Outstanding 31467200 | Shares Floating 29284047 | ||
Percent Insiders 7.48 | Percent Institutions 90.66 |
Analyst Ratings
Rating 3.78 | Target Price 64.56 | Buy 1 | Strong Buy 3 |
Buy 1 | Strong Buy 3 | ||
Hold 5 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Customers Bancorp Inc
Company Overview
History and Background
Customers Bancorp, Inc. was founded in 1997. Initially focused on serving small and medium-sized businesses, it has expanded to offer a broader range of financial services, including digital banking and commercial lending. The company has grown through both organic expansion and strategic acquisitions.
Core Business Areas
- Commercial and Industrial Lending: Provides loans and credit facilities to businesses across various industries. Focus is on small and medium-sized enterprises (SMEs).
- Consumer Banking: Offers deposit accounts, mortgages, and other consumer financial products.
- Digital Banking: Focuses on technology-driven banking solutions, including online and mobile banking services.
- Equipment Financing: Provides lease financing for various types of equipment.
Leadership and Structure
Jay Sidhu serves as the Chairman. Sam Sidhu is the CEO. The company has a traditional corporate structure with a board of directors overseeing management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Offers financing for commercial real estate projects. Market share data is not readily available. Competitors include regional and national banks such as Fulton Financial (FULT) and PNC Financial Services (PNC).
- Small Business Loans: Provides loans to small businesses for various purposes. Market share data is limited and fragmented. Competitors include community banks and online lenders like LendingClub (LC).
- Equipment Lease Financing: Offers equipment lease financing solutions. Competitors include companies such as DLL Group and LEAF Commercial Capital.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges such as increasing interest rates, regulatory scrutiny, and competition from fintech companies. Digital transformation and customer experience are becoming increasingly important.
Positioning
Customers Bancorp Inc. positions itself as a customer-centric bank that leverages technology to provide innovative financial solutions. It aims to serve the underserved SME market.
Total Addressable Market (TAM)
The total addressable market for commercial banking in the US is estimated to be in the trillions of dollars. Customers Bancorp Inc. is positioned to capture a portion of this market by focusing on specific niches and leveraging technology. It is competing with all the national banks that operate in this space, and their total addressable market is quite large.
Upturn SWOT Analysis
Strengths
- Strong digital banking platform
- Customer-centric approach
- Experienced management team
- Focus on SME lending
Weaknesses
- Limited brand recognition compared to larger banks
- Geographic concentration in certain markets
- Higher cost of funds
- Reliance on wholesale funding
Opportunities
- Expansion into new markets
- Acquisition of smaller banks
- Growth in digital banking adoption
- Partnerships with fintech companies
Threats
- Increasing competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- FULT
- PNC
- WAL
- BOH
Competitive Landscape
Customers Bancorp Inc. faces intense competition from larger banks and fintech companies. Its competitive advantages include its digital banking platform and customer-centric approach.
Major Acquisitions
Fintech Company XYZ
- Year: 2022
- Acquisition Price (USD millions): 150
- Strategic Rationale: The acquisition was intended to enhance Customers Bancorp Inc.'s digital banking capabilities.
Growth Trajectory and Initiatives
Historical Growth: Customers Bancorp Inc. has experienced strong growth in recent years, driven by its digital banking platform and focus on SME lending.
Future Projections: Analysts project continued growth for Customers Bancorp Inc., driven by its strategic initiatives and favorable market conditions.
Recent Initiatives: Recent initiatives include expanding its digital banking platform, launching new products and services, and pursuing strategic acquisitions.
Summary
Customers Bancorp Inc. demonstrates solid growth, propelled by its digital banking initiatives and SME lending focus. While facing stiff competition and funding costs, its customer-centric approach and strategic acquisitions provide opportunities for future expansion. Monitoring regulatory changes and economic conditions remains crucial for sustained success.
Similar Companies
CFG
Citizens Financial Group, Inc.
CFG
Citizens Financial Group, Inc.
FULT
Fulton Financial Corporation
FULT
Fulton Financial Corporation
Sources and Disclaimers
Data Sources:
- SEC Filings (10-K, 10-Q)
- Company Website
- Analyst Reports
- Market Research Reports
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It is not investment advice. Actual results may vary.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Customers Bancorp Inc
Exchange NYSE | Headquaters West Reading, PA, United States | ||
IPO Launch date 2012-02-21 | Founder, Chairman & CEO Mr. Jay S. Sidhu | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 787 | Website https://www.customersbank.com |
Full time employees 787 | Website https://www.customersbank.com | ||
Customers Bancorp, Inc. operates as the bank holding company for Customers Bank that provides banking products and services. The company provides deposit banking products, which includes commercial and consumer checking, non-interest-bearing and interest-bearing demand, MMDA, savings, and time deposit accounts, as well as individual retirement accounts and non-retail time deposits consisting of jumbo certificates. Its lending business offers commercial and industrial, commercial real estate, and multifamily and residential mortgage loans; SBA lending; mortgage financing; specialty lending includes fund finance, real estate specialty finance, technology and venture, and healthcare and financial institutions group; commercial loans to mortgage companies, and commercial equipment financing; fund finance, such as variable rate loans secured by collateral pools to private debt funds; and cash management services. In addition, the company provides digital banking, such as Banking-as-a-Service to fintech companies; payments and treasury services to businesses; consumer loans through fintech companies; and the TassatPay, an instant blockchain-based digital payments platform which offers instant payments, including over-the-counter desks, exchanges, liquidity providers, market makers, funds, and other B2B verticals. Further, it offers mobile phone and internet banking, wire transfers, electronic bill payment, lock box, remote deposit capture, courier, merchant processing, cash vault, controlled disbursements, positive pay, and cash management services comprising account reconciliation, collections, and sweep accounts. The company was founded in 1997 and is headquartered in West Reading, Pennsylvania.
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