Customers Bancorp vs M&T Bank
CUBI and MTB 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 MTB compare
M&T Bank is the larger company, worth 11 times as much as Customers Bancorp ($31.9B against $3.0B).
On earnings, Customers Bancorp is cheaper: it trades at 10.7× trailing earnings, against 11.7× for M&T Bank.
Customers Bancorp grew revenue faster over the last twelve months (34.9% versus 6.4% for M&T Bank).
M&T Bank keeps more of each dollar of sales as profit, with a net margin of 178% compared with 31.6% at Customers Bancorp.
M&T Bank pays a dividend yielding 2.7%; Customers Bancorp does not pay one.
M&T Bank scores higher on the StockData Score (17 against 12 for Customers Bancorp), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | CUBI | MTB |
|---|---|---|
| Size and price | ||
| Market cap | $3.0B | $31.9B |
| Share price | $87.49 | $220.72 |
| Change, 1 year | 28.3% | 21.7% |
| Change, 5 years | 47.7% | 42.3% |
| Beta (5Y) | 1.25 | 0.82 |
| Employees | 300 | 22K |
| StockData Score | ||
| Total score | 12 | 17 (better) |
| Valuation score | 2 | 4 (better) |
| Growth score | 2 (better) | 1 |
| Performance score | 4 | 4 |
| Health score | 4 | 6 (better) |
| Dividend score | 0 | 2 (better) |
| Valuation | ||
| P/E | 10.7× (better) | 11.7× |
| P/S | 3.2× (better) | 18.7× |
| P/B | 1.3× | 1.1× (better) |
| P/FCF | 8.1× | – |
| PEG | – | 0.84 |
| FCF yield | 12.4% | – |
| Fair value | $76.81 | $229.32 |
| Margin of safety | −13.9% | 3.8% (better) |
| Growth | ||
| Revenue growth (TTM) | 34.9% (better) | 6.4% |
| Revenue growth, 5Y average | 82.7% (better) | −22.6% |
| Net income growth (TTM) | 97.6% (better) | 12.3% |
| EPS growth (TTM) | 103% (better) | 22.7% |
| EPS growth, 5Y average | 10.9% | 11.3% (better) |
| Profitability | ||
| Net margin | 31.6% | 178% (better) |
| FCF margin | 39.8% | – |
| Return on equity | 14.3% (better) | 10.7% |
| Financial health | ||
| Debt / equity | – | 0.17 |
| Altman Z-score | 0.20 | 0.25 (better) |
| Piotroski F-score | 6 | 7 (better) |
| Dividends and buybacks | ||
| Dividend yield | – | 2.7% |
| Payout ratio | – | 29.9% |
| Years of dividend growth | – | 3 |
| Buyback yield | −3.9% | 8.2% (better) |
| Shareholder yield | −3.9% | 10.9% (better) |
| Ownership | ||
| Held by institutions | 101% | 91.4% |
| Held by insiders | 6.0% | 0.36% |
| Insider net buying, 12 months | −$31.9M | −$26.4M (better) |
| Superinvestors holding | – | 1 |
| Short interest, % of float | – | 3.5% |
Go deeper
- CUBI stock overview
- CUBI income statement
- CUBI valuation and score
- MTB stock overview
- MTB income statement
- MTB valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.