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CUBI

Customers Bancorp, Inc.
Chart
$73.87
Latest Week 2026-06-05
Financial ServicesBanks - RegionalMID
Snapshot 2026-06-07 · 0.0w · Fresh
0.95
OS Score
90.0%
Value
72.0%
Quality
83.0%
Momentum
5/9
F-Score
0.805
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
6 of 23 passing
★
OS Composite
OS 0.950
↗
Trending Value
✗
◆
Quality × Value
QV 0.805
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
✗
◇
VC2 Cheapest
✗
📐
EBITDA/EV
9.7%
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
✗
🌱
GARP
Rev +16%
🔄
Shareholder Yield
✗
💰
High Yield
✗
🚀
Momentum Leaders
12-1 48%
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
✗
🛡
Low Volatility
✗
🏷
Sector Cheapest
✗
🧠
Capital Allocators
✗
⚡
Risk-Adj Momentum
RAM 1.45
V
Value Analysis
Cheapness relative to fundamentals
90.0%ile
P/E
9.3×
P/S
1.7×
P/B
1.2×
E/P
0.1077
FCF Yield
0.130
EBITDA/EV
0.097
SH Yield
0.003
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
12.00000000
/100 — 1=cheapest
VC2 (Trending Value)
15.00000000
/100
VC3 (Buyback)
15.00000000
/100
P/E of 9.3x places this firmly in deep value territory. FCF yield of 13.0% is strong — the business generates significant free cash relative to price.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
72.0%ile
ROE
0.131
ROA
0.011
Net Margin
0.187
Op Margin
0.260
GPA
0.032
D/E
11.07
Current
2.77
F-Score
5/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.155
Earn Growth
0.941
Stability
0.431
lower=better
Accruals
-0.006
lower=better
5yr Consist
No
Highly leveraged with D/E of 11.07 — returns are being amplified by debt.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
83.0%ile
6M Return
4.1%
12M Return
41.1%
12-1 Mom
47.6%
Risk-Adj
1.45
Vol 252d
32.9%
Vol 60d
64.4%
↑ Expanding
Max DD 12M
-18.1%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of 48% is very strong — a clear uptrend. Near-term vol (64%) is expanding vs long-term (33%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.95
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 500 peers
Sector Value %ile
76.4%
Sector Quality %ile
41.1%
P/E z-score
-0.23
P/B z-score
-0.06
Sector Avg OS
86.5%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
MCY Mercury General Corporation 99.0% 95.0% 93.0% 86.0%
UVE Universal Insurance Holdings Inc 99.0% 96.0% 94.0% 82.0%
BFH Bread Financial Holdings, Inc. 99.0% 97.0% 97.0% 90.0%
CARE Carter Bank and Trust 99.0% 96.0% 98.0% 88.0%
BAP Credicorp Ltd 99.0% 98.0% 93.0% 84.0%
HG Hamilton Insurance Group, Ltd. 99.0% 97.0% 94.0% 85.0%
RM Regional Management Corp 98.0% 95.0% 90.0% 79.0%
IFS Intercorp Financial Services Inc 98.0% 98.0% 90.0% 78.0%
Factor Interactions
Value + Quality Intersection
Top-tier on both cheapness (90th) and quality (72th) — the O'Shaughnessy sweet spot, historically the strongest long-term combination.
Trending Value Signal
Cheap (90th value) with strong momentum (83th). The market is starting to recognise the value.
Growth at Reasonable Price
Revenue growing 16% with P/E of 9×. Growth isn't fully priced in.
Volatility Expanding
60-day vol (64%) significantly exceeds 252-day (33%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
B
72.2% avg (7 factors)
Quality
C
46.2% avg (8 factors)
Momentum
B
69.9% avg (4 factors)
Risk
B
61.8% avg (1 factors)
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Factor Persistence1 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.950—1—
Value %ile0.900—1—
Quality %ile0.720—1—
Momentum %ile0.830—1—
F-Score5.000—0—
Confidence1.000—1—
Volatility0.329—0—
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
9.29
Earnings Yield (E/P)
0.1077
Price / Sales
1.74
Price / Book
1.22
Price / Cash Flow
5.99
FCF Yield
13.0%
EBITDA / EV
9.7%
Sales Yield (1/P·S)
0.3391
Shareholder Yield
Div + net buyback / mktcap
0.3%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
13.1%
Return on Assets
1.1%
Net Margin
18.7%
Operating Margin
26.0%
Gross Profit / Assets
Novy-Marx GPA
3.2%
Debt / Equity
11.07
Current Ratio
2.77
Accruals Ratio
(NI-OCF)/Assets — lower=better
-0.006
MomentumPrice trend strength over different horizons
6M Return
4.1%
12M Return
41.1%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
47.6%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
1.45
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
15.5%
Earnings Growth (YoY)
94.1%
Earnings Stability (CV)
Lower = more stable
0.431
5yr Consistent
EPS up every year for 5 years
No
Piotroski F-Score
5
Dividend Yield
0.3%
Buyback Yield
0.0%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
12
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
15
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
15
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
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Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity