Customers Bancorp, Inc.

CUBI US Financials Regional Banks
S&P 600
$78.88
+0.03%
Delayed · cached 15 min

Fair value analysis

CUBI
Customers Bancorp, Inc.
FinancialsRegional Banks
$78.88
Close used for this calculation
$161.28Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
59/100
Profitability21/25
Returns14/25
Balance Sheet11/25
Efficiency13/25
Growth14/25
Good
Quality radar
59Prof.21/25Ret.14/25Eff.13/25B.Sht11/25Growth14/25

Consensus fair value

$161.28
Below FV
▲ +104.5% against the close used
Model range $65.63 – $266.72
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear$65.63Fair value$161.28Bull$266.72
FairClose
52-week traded range
52W low $60.5252W high $83.65

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading below the consensus fair value

Customers Bancorp, Inc. closed at $78.88, 51.1% below the consensus fair value of $161.28 drawn from 8 valuation models.

Financial DNA score 59/100 — Good. P/E of 12.6x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation
$266.72
+238.1%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=9%, r=10%, tg=3%, n=10yr
Graham Number
$94.28
+19.5%
√(22.5 × EPS × BVPS)
EPS=6.26, BVPS=63.1
P/E Fair Value
$125.20
+58.7%
EPS × 20x (sector P/E)
EPS=6.26, Sector P/E=20x
Peter Lynch (PEG)
$84.70
+7.4%
EPS × Growth% (PEG = 1 is fair)
EPS=6.26, g=13.5%
EV/EBITDA
$154.66
+96.1%
(EBITDA × 16.8x − Net Debt) ÷ Shares
EBITDA=330.24M
Book Value (P/B)
$65.63
-16.8%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=63.1, ROE=10.2%, g=6%, r=10%
Reverse DCF
$78.88
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: 0.9% | Historical: 13.5%
Margin of Safety
$121.55
+54.1%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=162.07, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Educational data only. Not a recommendation to buy, sell or hold any security.