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CUBI vs JPM

CUBI
Customers Bancorp, Inc.
NEUTRAL
Price
$74.38
Market Cap
$2.51B
Sector
Financial Services
AI Confidence
80%
JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
CUBI
9.37
JPM
15.68
Forward P/E
CUBI
7.94
JPM
13.42
P/B Ratio
CUBI
1.2
JPM
2.47
P/S Ratio
CUBI
3.1
JPM
5.03
EV/EBITDA
CUBI
--
JPM
--

Profitability

Gross Margin
CUBI
0.0%
JPM
0.0%
Operating Margin
CUBI
48.7%
JPM
41.06%
Profit Margin
CUBI
34.76%
JPM
33.91%
ROE
CUBI
14.01%
JPM
16.13%
ROA
CUBI
1.16%
JPM
1.35%

Growth

Revenue Growth
CUBI
76.4%
JPM
2.5%
Earnings Growth
CUBI
579.3%
JPM
-3.6%

Financial Health

Debt/Equity
CUBI
--
JPM
--
Current Ratio
CUBI
--
JPM
--
Quick Ratio
CUBI
--
JPM
--

Dividends

Dividend Yield
CUBI
--
JPM
1.91%
Payout Ratio
CUBI
0.0%
JPM
28.97%

AI Verdict

CUBI NEUTRAL

CUBI presents a stark contradiction between explosive growth and deteriorating fundamental health. While the Piotroski F-Score of 2/9 indicates significant weakness in financial health, the stock is fundamentally undervalued, trading well below its Graham Number ($105.14) and Intrinsic Value ($234.23). Massive YoY earnings growth (579.30%) and a low P/E of 9.37 provide a strong value proposition, but the bearish technical trend (10/100) and poor health score suggest high risk. The overall outlook is neutral until the underlying health metrics stabilize.

Strengths
Exceptional YoY earnings growth of 579.30%
Strong revenue growth (76.40% YoY)
Attractive valuation with a P/E of 9.37 and Forward P/E of 7.94
Risks
Critical financial health warning indicated by Piotroski F-Score of 2/9
Strongly bearish technical trend (10/100)
Lack of dividend income and low dividend strength (0/100)
JPM NEUTRAL

JPM exhibits a concerning Piotroski F-Score of 2/9, indicating weak short-term fundamental health, and currently trades at a significant premium to both its Graham Number ($239.11) and Intrinsic Value ($140.07). While the company maintains a strong ROE of 16.13% and dominant market positioning, negative YoY earnings growth (-3.60%) and bearish insider activity from the CEO and CFO signal internal caution. The stock's current price of $313.68 suggests the market is pricing in a growth premium that is not currently supported by the deterministic health or value metrics.

Strengths
Strong profitability with a 33.91% profit margin
Robust Return on Equity (ROE) of 16.13%
Conservative dividend payout ratio of 28.97%
Risks
Very low Piotroski F-Score (2/9) suggesting deteriorating financial health
Significant overvaluation relative to Intrinsic Value ($140.07)
Negative Year-over-Year earnings growth (-3.60%)

Compare Another Pair

CUBI vs JPM: Head-to-Head Comparison

This page compares Customers Bancorp, Inc. (CUBI) and JPMorgan Chase & Co. (JPM) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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