Customers Bancorp
Financial ratios & Valuation

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
12.0112.4712.5510.108.019.354.326.714.057.242.529.35
Price/Sales ratio
2.963.273.652.311.822.081.142.821.462.650.842.08
Price/Book Value ratio
1.171.311.150.860.600.700.511.540.651.100.360.70
Price/Cash Flow ratio
-0.95-2.04-3.402.065.899.484.307.78-44.4014.52-157.489.48
Price/Free Cash Flow ratio
-0.95-2.03-3.342.209.8226.495.498.86-6.8921.72-6.23K26.49
Price/Earnings Growth ratio
0.370.360.40-1.02-0.68-1.110.040.04-0.110.60-0.08-0.68
Dividend Yield
N/A0.31%0.91%1.81%2.51%1.94%2.45%0.51%1.00%0.80%8.88%2.51%
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%100%100%100%100%100%
Operating Profit Margin
58.11%63.73%32.40%66.70%79.80%28.64%35.03%53.64%87.43%59.45%109.79%79.80%
Pretax Profit Margin
36.15%39.70%51.40%36.02%28.93%28.64%35.03%58.94%46.06%48.39%43.04%28.93%
Net Profit Margin
24.64%26.28%29.08%22.92%22.78%22.24%26.39%42.03%36.05%36.60%33.48%22.78%
Effective Tax Rate
31.82%33.80%36.95%36.35%21.26%22.31%24.65%19.70%21.71%24.36%22.19%21.26%
Return on Assets
0.63%0.69%0.83%0.80%0.72%0.68%0.71%1.60%1.09%1.17%0.94%0.72%
Return On Equity
9.75%10.57%9.19%8.56%7.49%7.53%11.86%23.03%16.25%15.26%14.73%7.49%
Return on Capital Employed
1.85%2.03%1.01%2.34%2.57%0.89%1.01%2.15%2.67%1.90%3.12%2.57%
Liquidity Ratios
Current Ratio
N/AN/AN/AN/AN/AN/A89.87N/AN/AN/A70.78N/A
Quick Ratio
4.805.5512.05166.15137.548.692.645.2981.94N/A20.4520.45
Cash ratio
0.270.180.332.600.931.680.660.541.97N/A8.210.93
Days of Sales Outstanding
36.4832.6531.9528.6738.22N/AN/AN/A8.92KN/A73.7838.22
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Debt Ratios
Debt Ratio
0.260.210.110.190.150.100.060.050.050.070.930.15
Debt Equity Ratio
4.093.281.242.071.541.091.030.800.780.921.651.54
Long-term Debt to Capitalization
0.530.450.550.670.600.220.210.220.360.470.620.60
Total Debt to Capitalization
0.800.760.550.670.600.520.500.440.440.480.620.60
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/A1.26N/AN/AN/A1.64N/A
Cash Flow to Debt Ratio
-0.29-0.19-0.270.200.060.060.110.24-0.010.08-0.000.06
Company Equity Multiplier
15.4015.1610.9610.6810.2710.9416.5014.3214.8913.0115.3010.27
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
-3.09-1.60-1.071.120.300.210.260.36-0.030.18-0.000.21
Free Cash Flow / Operating Cash Flow Ratio
1.001.001.010.930.600.350.780.876.440.660.020.35
Cash Flow Coverage Ratio
-0.29-0.19-0.270.200.060.060.110.24-0.010.08-0.000.06
Short Term Coverage Ratio
-0.41-0.26N/AN/AN/A0.090.150.38-0.064.19N/A0.09
Dividend Payout Ratio
N/A3.95%11.50%18.34%20.16%18.22%10.61%3.44%4.08%5.85%6.23%18.22%