Customers Bancorp vs United Community Banks
CUBI and UCB 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 UCB compare
United Community Banks is the larger company, worth 1.5 times as much as Customers Bancorp ($4.4B against $3.0B).
On earnings, Customers Bancorp is cheaper: it trades at 10.7× trailing earnings, against 12.1× for United Community Banks.
Customers Bancorp grew revenue faster over the last twelve months (34.9% versus 13.8% for United Community Banks).
United Community Banks keeps more of each dollar of sales as profit, with a net margin of 34.0% compared with 31.6% at Customers Bancorp.
United Community Banks pays a dividend yielding 2.7%; Customers Bancorp does not pay one.
United Community Banks scores higher on the StockData Score (18 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 | UCB |
|---|---|---|
| Size and price | ||
| Market cap | $3.0B | $4.4B |
| Share price | $87.49 | $36.73 |
| Change, 1 year | 28.3% | 25.7% |
| Change, 5 years | 47.7% | 0.03% |
| Beta (5Y) | 1.25 | 0.83 |
| Employees | 300 | 3,070 |
| StockData Score | ||
| Total score | 12 | 18 (better) |
| Valuation score | 2 | 4 (better) |
| Growth score | 2 | 2 |
| Performance score | 4 | 4 |
| Health score | 4 | 4 |
| Dividend score | 0 | 4 (better) |
| Valuation | ||
| P/E | 10.7× (better) | 12.1× |
| P/S | 3.2× (better) | 4.0× |
| P/B | 1.3× | 1.2× (better) |
| P/FCF | 8.1× (better) | 12.3× |
| PEG | – | 9.25 |
| FCF yield | 12.4% (better) | 8.2% |
| Fair value | $76.81 | $37.68 |
| Margin of safety | −13.9% | 2.5% (better) |
| Growth | ||
| Revenue growth (TTM) | 34.9% (better) | 13.8% |
| Revenue growth, 5Y average | 82.7% (better) | 13.0% |
| Net income growth (TTM) | 97.6% (better) | 38.3% |
| EPS growth (TTM) | 103% (better) | 38.2% |
| EPS growth, 5Y average | 10.9% (better) | 6.5% |
| Profitability | ||
| Net margin | 31.6% | 34.0% (better) |
| FCF margin | 39.8% (better) | 32.5% |
| Return on equity | 14.3% (better) | 10.3% |
| Financial health | ||
| Debt / equity | – | 0.10 |
| Altman Z-score | 0.20 (better) | 0.19 |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | – | 2.7% |
| Payout ratio | – | 32.1% |
| Years of dividend growth | – | 11 |
| Dividend growth, 5Y average | – | 6.4% |
| Buyback yield | −3.9% | 1.5% (better) |
| Shareholder yield | −3.9% | 4.3% (better) |
| Ownership | ||
| Held by institutions | 101% | 87.3% |
| Held by insiders | 6.0% | 0.72% |
| Insider net buying, 12 months | −$31.9M | −$2.3M (better) |
| Short interest, % of float | – | 4.5% |
Go deeper
- CUBI stock overview
- CUBI income statement
- CUBI valuation and score
- UCB stock overview
- UCB income statement
- UCB valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.