Customers Bancorp vs Independent Bank
CUBI and INDB side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How CUBI and INDB compare
Independent Bank is the larger company, worth 1.3 times as much as Customers Bancorp ($3.9B against $3.0B).
On earnings, Customers Bancorp is cheaper: it trades at 10.7× trailing earnings, against 14.9× for Independent Bank.
Independent Bank grew revenue faster over the last twelve months (41.0% versus 34.9% for Customers Bancorp).
Customers Bancorp keeps more of each dollar of sales as profit, with a net margin of 31.6% compared with 27.0% at Independent Bank.
Independent Bank pays a dividend yielding 3.0%; Customers Bancorp does not pay one.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | CUBI | INDB |
|---|---|---|
| Size and price | ||
| Market cap | $3.0B | $3.9B |
| Share price | $87.49 | $82.74 |
| Change, 1 year | 28.3% | 23.4% |
| Change, 5 years | 47.7% | −8.6% |
| Beta (5Y) | 1.25 | 0.69 |
| Employees | 300 | 2,294 |
| StockData Score | ||
| Total score | 12 | 12 |
| Valuation score | 2 | 2 |
| Growth score | 2 | 2 |
| Performance score | 4 (better) | 2 |
| Health score | 4 (better) | 3 |
| Dividend score | 0 | 3 (better) |
| Valuation | ||
| P/E | 10.7× (better) | 14.9× |
| P/S | 3.2× (better) | 3.9× |
| P/B | 1.3× | 1.1× (better) |
| P/FCF | 8.1× (better) | 12.9× |
| FCF yield | 12.4% (better) | 7.8% |
| Fair value | $76.81 | $80.01 |
| Margin of safety | −13.9% | −3.4% (better) |
| Growth | ||
| Revenue growth (TTM) | 34.9% | 41.0% (better) |
| Revenue growth, 5Y average | 82.7% (better) | 12.3% |
| Net income growth (TTM) | 97.6% (better) | 43.9% |
| EPS growth (TTM) | 103% (better) | 25.1% |
| EPS growth, 5Y average | 10.9% (better) | 4.1% |
| Profitability | ||
| Net margin | 31.6% (better) | 27.0% |
| FCF margin | 39.8% (better) | 30.3% |
| Return on equity | 14.3% (better) | 8.2% |
| Financial health | ||
| Altman Z-score | 0.20 | 0.23 (better) |
| Piotroski F-score | 6 (better) | 4 |
| Dividends and buybacks | ||
| Dividend yield | – | 3.0% |
| Payout ratio | – | 42.3% |
| Years of dividend growth | – | 3 |
| Buyback yield | −3.9% | 5.1% (better) |
| Shareholder yield | −3.9% | 8.1% (better) |
| Ownership | ||
| Held by institutions | 101% | 86.0% |
| Held by insiders | 6.0% | 1.6% |
| Insider net buying, 12 months | −$31.9M | −$15.3M (better) |
| Short interest, % of float | – | 4.5% |
Go deeper
- CUBI stock overview
- CUBI income statement
- CUBI valuation and score
- INDB stock overview
- INDB income statement
- INDB valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.