Customers Bancorp Stock Piotroski F Score

CUBI Stock  USD 56.45  0.39  0.69%   
This module uses fundamental data of Customers Bancorp to approximate its Piotroski F score. Customers Bancorp F Score is determined by combining nine binary scores representing 3 distinct fundamental categories of Customers Bancorp. These three categories are profitability, efficiency, and funding. Some research analysts and sophisticated value traders use Piotroski F Score to find opportunities outside of the conventional market and financial statement analysis.They believe that some of the new information about Customers Bancorp financial position does not get reflected in the current market share price suggesting a possibility of arbitrage. Check out Customers Bancorp Altman Z Score, Customers Bancorp Correlation, Customers Bancorp Valuation, as well as analyze Customers Bancorp Alpha and Beta and Customers Bancorp Hype Analysis.
For more detail on how to invest in Customers Stock please use our How to Invest in Customers Bancorp guide.
  
As of now, Customers Bancorp's Long Term Debt is increasing as compared to previous years. The Customers Bancorp's current Total Debt To Capitalization is estimated to increase to 0.66, while Short and Long Term Debt Total is projected to decrease to under 1.4 B. As of now, Customers Bancorp's Book Value Per Share is increasing as compared to previous years. The Customers Bancorp's current Free Cash Flow Yield is estimated to increase to 0.05, while PTB Ratio is projected to decrease to 1.06.
At this time, it appears that Customers Bancorp's Piotroski F Score is Frail. Although some professional money managers and academia have recently criticized Piotroski F-Score model, we still consider it an effective method of predicting the state of the financial strength of any organization that is not predisposed to accounting gimmicks and manipulations. Using this score on the criteria to originate an efficient long-term portfolio can help investors filter out the purely speculative stocks or equities playing fundamental games by manipulating their earnings..
3.0
Piotroski F Score - Frail
Current Return On Assets

Positive

Focus
Change in Return on Assets

Decreased

Focus
Cash Flow Return on Assets

Positive

Focus
Current Quality of Earnings (accrual)

Decreasing

Focus
Asset Turnover Growth

Decrease

Focus
Current Ratio Change

Decrease

Focus
Long Term Debt Over Assets Change

Higher Leverage

Focus
Change In Outstending Shares

Decrease

Focus
Change in Gross Margin

No Change

Focus

Customers Bancorp Piotroski F Score Drivers

The critical factor to consider when applying the Piotroski F Score to Customers Bancorp is to make sure Customers is not a subject of accounting manipulations and runs a healthy internal audit department. So, if Customers Bancorp's auditors report directly to the board (not management), the managers will be reluctant to manipulate simply due to the fear of punishment. On the other hand, the auditors will be free to investigate the ledgers properly because they know that the board has their back. Below are the main accounts that are used in the Piotroski F Score model. By analyzing the historical trends of the mains drivers, investors can determine if Customers Bancorp's financial numbers are properly reported.
Current ValueLast YearChange From Last Year 10 Year Trend
Return On Assets0.00660.0117
Way Down
Slightly volatile
Asset Turnover0.02430.0321
Way Down
Pretty Stable
Gross Profit Margin0.780.88
Fairly Down
Slightly volatile
Total Current Liabilities13.1 B12.5 B
Sufficiently Up
Slightly volatile
Non Current Liabilities Total20.5 B19.5 B
Sufficiently Up
Slightly volatile
Total Assets11.5 B21.3 B
Way Down
Slightly volatile
Total Current Assets6.8 B3.8 B
Way Up
Slightly volatile

Customers Bancorp F Score Driver Matrix

One of the toughest challenges investors face today is learning how to quickly synthesize historical financial statements and information provided by the company, SEC reporting, and various external parties in order to project the various growth rates. Understanding the correlation between Customers Bancorp's different financial indicators related to revenue, expenses, operating profit, and net earnings helps investors identify and prioritize their investing strategies towards Customers Bancorp in a much-optimized way.

About Customers Bancorp Piotroski F Score

F-Score is one of many stock grading techniques developed by Joseph Piotroski, a professor of accounting at the Stanford University Graduate School of Business. It was published in 2002 under the paper titled Value Investing: The Use of Historical Financial Statement Information to Separate Winners from Losers. Piotroski F Score is based on binary analysis strategy in which stocks are given one point for passing 9 very simple fundamental tests, and zero point otherwise. According to Mr. Piotroski's analysis, his F-Score binary model can help to predict the performance of low price-to-book stocks.

Book Value Per Share

54.72

As of now, Customers Bancorp's Book Value Per Share is increasing as compared to previous years.

Customers Bancorp Current Valuation Drivers

We derive many important indicators used in calculating different scores of Customers Bancorp from analyzing Customers Bancorp's financial statements. These drivers represent accounts that assess Customers Bancorp's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of Customers Bancorp's important valuation drivers and their relationship over time.
201920202021202220232024 (projected)
Market Cap742.5M572.8M2.1B924.8M1.8B1.9B
Enterprise Value1.7B1.0B2.7B1.9B(507.7M)(482.3M)

Customers Bancorp ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Customers Bancorp's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Customers Bancorp's managers, analysts, and investors.
Environmental
Governance
Social

About Customers Bancorp Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze Customers Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Customers Bancorp using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Customers Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.

Currently Active Assets on Macroaxis

When determining whether Customers Bancorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Customers Bancorp's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Customers Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Customers Bancorp Stock:
Check out Customers Bancorp Altman Z Score, Customers Bancorp Correlation, Customers Bancorp Valuation, as well as analyze Customers Bancorp Alpha and Beta and Customers Bancorp Hype Analysis.
For more detail on how to invest in Customers Stock please use our How to Invest in Customers Bancorp guide.
You can also try the Top Crypto Exchanges module to search and analyze digital assets across top global cryptocurrency exchanges.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Customers Bancorp. If investors know Customers will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Customers Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.49)
Earnings Share
6.16
Revenue Per Share
21.346
Quarterly Revenue Growth
(0.25)
Return On Assets
0.01
The market value of Customers Bancorp is measured differently than its book value, which is the value of Customers that is recorded on the company's balance sheet. Investors also form their own opinion of Customers Bancorp's value that differs from its market value or its book value, called intrinsic value, which is Customers Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Customers Bancorp's market value can be influenced by many factors that don't directly affect Customers Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Customers Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if Customers Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Customers Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.