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 1.6 times as much as Customers Bancorp ($4.5B against $2.9B).
On earnings, Customers Bancorp is cheaper: it trades at 10.3× trailing earnings, against 31.7× for United Community Banks.
Customers Bancorp grew revenue faster over the last twelve months (24.1% versus −20.6% for United Community Banks).
Customers Bancorp keeps more of each dollar of sales as profit, with a net margin of 31.6% compared with 17.8% at United Community Banks.
United Community Banks pays a dividend yielding 2.7%; Customers Bancorp does not pay one.
Customers Bancorp scores higher on the StockData Score (12 against 9 for United Community Banks), 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 | $2.9B | $4.5B |
| Share price | $85.27 | $37.44 |
| Change, 1 year | 26.2% | 24.4% |
| Change, 5 years | 50.0% | 3.8% |
| Beta (5Y) | 1.24 | 0.82 |
| Employees | 300 | 3,070 |
| StockData Score | ||
| Total score | 12 (better) | 9 |
| Valuation score | 2 (better) | 0 |
| Growth score | 2 (better) | 0 |
| Performance score | 4 (better) | 1 |
| Health score | 4 | 4 |
| Dividend score | 0 | 4 (better) |
| Valuation | ||
| P/E | 10.3× (better) | 31.7× |
| P/S | 3.1× (better) | 5.5× |
| P/B | 1.3× | 1.3× (better) |
| P/FCF | 9.1× (better) | 11.2× |
| PEG | – | 24.30 |
| FCF yield | 11.0% (better) | 8.9% |
| Fair value | $76.74 | $24.74 |
| Margin of safety | −11.1% (better) | −51.4% |
| Growth | ||
| Revenue growth (TTM) | 24.1% (better) | −20.6% |
| Revenue growth, 5Y average | 82.7% (better) | 13.0% |
| Net income growth (TTM) | 66.6% (better) | −53.8% |
| EPS growth (TTM) | 67.3% (better) | −53.2% |
| EPS growth, 5Y average | 10.9% (better) | 6.5% |
| Profitability | ||
| Net margin | 31.6% (better) | 17.8% |
| FCF margin | 34.0% | 49.1% (better) |
| Return on equity | 13.6% (better) | 4.1% |
| Financial health | ||
| Debt / equity | 0.11 (better) | 0.00 |
| Altman Z-score | 0.19 (better) | 0.18 |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | – | 2.7% |
| Payout ratio | – | 83.3% |
| Years of dividend growth | – | 11 |
| Dividend growth, 5Y average | – | 6.4% |
| Buyback yield | 3.0% (better) | 2.6% |
| Shareholder yield | 3.0% | 5.3% (better) |
| Ownership | ||
| Held by institutions | 101% | 87.3% |
| Held by insiders | 6.1% | 0.72% |
| Insider net buying, 12 months | −$35.2M | −$2.3M (better) |
| Short interest, % of float | – | 4.8% |
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.