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 ($31.8B against $2.9B).
On earnings, Customers Bancorp is cheaper: it trades at 10.3× trailing earnings, against 11.5× for M&T Bank.
Customers Bancorp grew revenue faster over the last twelve months (24.1% versus 5.5% for M&T Bank).
M&T Bank keeps more of each dollar of sales as profit, with a net margin of 176% 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 | $2.9B | $31.8B |
| Share price | $85.27 | $220.19 |
| Change, 1 year | 26.2% | 17.0% |
| Change, 5 years | 50.0% | 39.9% |
| Beta (5Y) | 1.24 | 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 | 10.3× (better) | 11.5× |
| P/S | 3.1× (better) | 18.5× |
| P/B | 1.3× | 1.1× (better) |
| P/FCF | 9.1× | – |
| PEG | – | 0.83 |
| FCF yield | 11.0% | – |
| Fair value | $76.74 | $231.39 |
| Margin of safety | −11.1% | 4.8% (better) |
| Growth | ||
| Revenue growth (TTM) | 24.1% (better) | 5.5% |
| Revenue growth, 5Y average | 82.7% (better) | −22.6% |
| Net income growth (TTM) | 66.6% (better) | 8.8% |
| EPS growth (TTM) | 67.3% (better) | 18.0% |
| EPS growth, 5Y average | 10.9% | 11.3% (better) |
| Profitability | ||
| Net margin | 31.6% | 176% (better) |
| FCF margin | 34.0% | – |
| Return on equity | 13.6% (better) | 10.6% |
| Financial health | ||
| Debt / equity | 0.11 (better) | 0.23 |
| Altman Z-score | 0.19 | 0.25 (better) |
| Piotroski F-score | 6 | 7 (better) |
| Dividends and buybacks | ||
| Dividend yield | – | 2.7% |
| Payout ratio | – | 29.5% |
| Years of dividend growth | – | 3 |
| Buyback yield | 3.0% | 7.9% (better) |
| Shareholder yield | 3.0% | 10.6% (better) |
| Ownership | ||
| Held by institutions | 101% | 91.4% |
| Held by insiders | 6.1% | 0.36% |
| Insider net buying, 12 months | −$35.2M | −$24.7M (better) |
| Superinvestors holding | – | 1 |
| Short interest, % of float | – | 3.4% |
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.