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Market Price

18.41 

0.20 1.1%

as of Mar 21 '19

52 Week Range:

16.72 32.34


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Customers Bancorp, Inc. operates as the bank holding company for Customers Bank that provides financial products and services to small and middle market businesses, not-for-profits, and consumers. The company operates in two segments, Customers Bank Business Banking and BankMobile. The company accepts various deposit products, such as checking, savings, money market deposit, time deposit, and individual retirement accounts, as well as certificates of deposit. It also provides commercial and industrial lending services; small business administration loans; multi-family and commercial real estate loans; commercial loans to mortgage companies; equipment financing services; and home equity and residential mortgage loans. In addition, the company offers private banking services; mobile phone banking, Internet banking, wire transfers, electronic bill payment, lock box, remote deposit capture, courier, merchant processing, cash vault, controlled disbursements, and positive pay services; and cash management services, such as account reconciliation, collections, and sweep accounts. It operates 13 full-service branches, as well as limited purpose offices in Boston, Massachusetts; Providence, Rhode Island; Portsmouth, New Hampshire; Manhattan and Melville, New York; Philadelphia, Pennsylvania; Washington D.C.; and Chicago, Illinois. Customers Bancorp, Inc. was founded in 1994 and is headquartered in Wyomissing, Pennsylvania.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 14.60
14.59
15.92
17.93
18.89
22.09
23.78
growth rate -0.1% 9.1% 12.6% 5.4% 16.9% 7.7%
Earnings BIT 79.56
108.07
149.37
161.80
growth rate 35.8% 38.2% 8.3%
Avg.PE 14.10
12.65
14.42
15.20
11.38
growth rate -10.3% 14.0% 5.4% -25.1%
ROA 0.19
0.90
0.89
0.79
0.74
0.78
0.67
0.58
growth rate 373.7% -1.1% -11.2% -6.3% 5.4% -14.1% -13.4%
ROE 2.70
11.42
9.97
10.42
11.92
12.17
9.60
7.93
growth rate 323.0% -12.7% 4.5% 14.4% 2.1% -21.1% -17.4%
Leverage 14.06
11.88
10.74
15.40
16.86
14.70
13.99
13.30
growth rate -15.5% -9.6% 43.4% 9.5% -12.8% -4.8% -4.9%
Balance Sheet Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 18.13
18.41
2.32
19.94
23.69
27.02
growth rate 1.5% -87.4% 759.4% 18.8% 14.1%
Acct.Payable 12.94
21.88
4,532.54
5,662.43
7,303.78
6,800.14
7,142.24
growth rate 69.1% 20,617.3% 24.9% 29.0% -6.9% 5.0%
Cur.Assets 1,846.93
2,098.63
303.07
330.90
112.11
growth rate 13.6% -85.6% 9.2% -66.1%
Total Assets 3,201.23
4,153.17
6,825.37
8,398.21
9,382.74
9,839.56
9,833.43
growth rate 29.7% 64.3% 23.0% 11.7% 4.9% -0.1%
Cash 345.27
773.07
309.82
191.39
115.41
146.32
3.74
growth rate 123.9% -59.9% -38.2% -39.7% 26.8% -97.5%
Inventory 15.37
5.06
3.11
1.73
0.82
growth rate -67.1% -38.5% -44.5% -52.7%
Cur.Liabilities 5,863.98
7,387.06
8,150.96
8,612.97
8,636.42
growth rate 26.0% 10.3% 5.7% 0.3%
Liabilities 2,931.76
3,766.55
6,382.23
7,844.30
8,526.86
8,918.59
8,876.61
growth rate 28.5% 69.4% 22.9% 8.7% 4.6% -0.5%
LT Debt 518.25
455.14
375.91
295.38
232.85
growth rate -12.2% -17.4% -21.4% -21.2%
Equity 269.48
386.62
443.15
498.33
638.40
703.49
739.35
growth rate 43.5% 14.6% 12.5% 28.1% 10.2% 5.1%
Common Shares 7.00
11.00
15.00
25.00
28.00
29.00
30.00
33.00
32.00
growth rate 57.1% 36.4% 66.7% 12.0% 3.6% 3.5% 10.0% -3.0%
Cash Flow Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 2.71
3.89
1.27
2.94
5.43
24.36
38.98
growth rate 43.5% -67.4% 131.4% 84.6% 348.9% 60.1%
Cash Dividends 2.31
2.31
9.05
14.46
14.46
growth rate 0.0% 291.1% 59.8% 0.0%
Cash From OA 722.04
-542.50
66.57
91.40
62.19
97.47
growth rate -100.0% 100.0% 37.3% -32.0% 56.7%
FCF per Share -82.08
14.39
-11.26
-14.05
-20.33
12.99
13.24
growth rate 100.0% -100.0% 0.0% 0.0% 100.0% 1.9%
Sale Purchase of Stock 94.59
90.02
0.08
0.90
72.52
3.78
growth rate -4.8% -99.9% 989.2% 7,921.8% -94.8%
FCF -225.00
27.00
-1,245.00
718.00
-544.00
-360.00
-296.00
383.00
96.00
growth rate 100.0% -100.0% 100.0% -100.0% 0.0% 0.0% 100.0% -74.9%
Income Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 122.77
150.86
162.30
203.44
302.83
339.49
311.23
growth rate 22.9% 7.6% 25.4% 48.9% 12.1% -8.3%
Op.Income 23.82
32.69
80.23
101.74
144.74
132.77
106.44
growth rate 37.3% 145.4% 26.8% 42.3% -8.3% -19.8%
IBT 36.09
50.30
65.51
88.50
124.60
123.88
91.05
growth rate 39.4% 30.3% 35.1% 40.8% -0.6% -26.5%
Net Income 23.82
32.69
43.21
58.58
78.70
78.84
71.70
growth rate 37.3% 32.2% 35.6% 34.3% 0.2% -9.1%
EPS 3.35
0.35
1.57
1.30
1.55
1.96
2.31
1.97
1.78
growth rate -89.6% 348.6% -17.2% 19.2% 26.5% 17.9% -14.7% -9.6%
Gross Profit 162.30
203.44
302.83
339.49
311.23
growth rate 25.4% 48.9% 12.1% -8.3%

Quarterly Statements

Item Name Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Earnings BIT 43.09
43.68
growth rate 1.4%
Balance Sheet Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Acct.Receivable 27.02
31.81
growth rate 17.7%
Acct.Payable 6,800.14
7,042.46
7,295.95
8,513.71
7,142.24
growth rate 3.6% 3.6% 16.7% -16.1%
Cur.Assets 330.90
263.23
304.68
724.47
112.11
growth rate -20.5% 15.7% 137.8% -84.5%
Total Assets 9,839.56
10,769.27
11,092.85
10,617.10
9,833.43
growth rate 9.5% 3.0% -4.3% -7.4%
Cash 146.32
215.41
251.73
666.03
3.74
growth rate 47.2% 16.9% 164.6% -99.4%
Inventory 1.73
1.74
1.71
1.45
0.82
growth rate 0.9% -2.1% -15.0% -43.7%
Cur.Liabilities 8,618.61
9,554.54
9,860.80
9,429.56
8,636.42
growth rate 10.9% 3.2% -4.4% -8.4%
Liabilities 8,918.59
9,850.18
10,156.62
9,662.29
8,876.61
growth rate 10.5% 3.1% -4.9% -8.1%
LT Debt 295.38
295.64
295.82
232.73
232.85
growth rate 0.1% 0.1% -21.3% 0.1%
Equity 703.49
701.62
718.76
737.34
739.35
growth rate -0.3% 2.4% 2.6% 0.3%
Common Shares 31.91
32.00
32.20
32.22
32.25
growth rate 0.3% 0.6% 0.1% 0.1%
Cash Flow Statement Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Capital Expenditures 22.63
3.02
4.07
16.10
15.79
growth rate -86.6% 34.7% 295.5% -1.9%
Cash Dividends 3.62
3.62
3.61
3.62
3.62
growth rate 0.0% 0.0% 0.0% 0.0%
Cash From OA 31.87
33.34
32.13
170.22
-0.89
growth rate 4.6% -3.6% 429.8% -100.0%
Sale Purchase of Stock 1.11
0.46
growth rate -58.8%
FCF 9.24
30.32
28.06
154.13
-16.68
growth rate 228.2% -7.4% 449.3% -100.0%
Income Statement Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Sales 87.21
83.82
84.23
63.16
80.02
growth rate -3.9% 0.5% -25.0% 26.7%
Op.Income 34.14
33.89
33.55
11.48
27.52
growth rate -0.7% -1.0% -65.8% 139.7%
IBT 32.42
31.54
30.48
6.06
22.97
growth rate -2.7% -3.4% -80.1% 279.3%
Net Income 21.62
24.14
23.66
6.03
17.86
growth rate 11.7% -2.0% -74.5% 196.3%
Gross Profit 87.21
83.82
84.23
63.16
80.02
growth rate -3.9% 0.5% -25.0% 26.7%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (36.06)

YOY Growth Grade:

E (31.98)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 10.74 10.34 7.77
EPS / Growth 17.2% 1.78 10.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 12.1%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 10.0% 13.1% 13.1%
Future PE 7.77 14.90 14.90
Future EPS 4.62 6.09 6.09
Value Price
MOS %
8.87
-51.8%
22.43
21.8%
22.43
21.8%
MOS Price 4.43 11.21 11.21
IRT 6.95 6.38 6.38

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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