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CUBI vs MA

CUBI
Customers Bancorp, Inc.
NEUTRAL
Price
$74.38
Market Cap
$2.51B
Sector
Financial Services
AI Confidence
80%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
CUBI
9.37
MA
30.28
Forward P/E
CUBI
7.94
MA
22.05
P/B Ratio
CUBI
1.2
MA
57.74
P/S Ratio
CUBI
3.1
MA
13.6
EV/EBITDA
CUBI
--
MA
22.13

Profitability

Gross Margin
CUBI
0.0%
MA
100.0%
Operating Margin
CUBI
48.7%
MA
57.73%
Profit Margin
CUBI
34.76%
MA
45.65%
ROE
CUBI
14.01%
MA
209.91%
ROA
CUBI
1.16%
MA
23.72%

Growth

Revenue Growth
CUBI
76.4%
MA
17.6%
Earnings Growth
CUBI
579.3%
MA
24.2%

Financial Health

Debt/Equity
CUBI
--
MA
2.56
Current Ratio
CUBI
--
MA
1.03
Quick Ratio
CUBI
--
MA
0.68

Dividends

Dividend Yield
CUBI
--
MA
0.7%
Payout Ratio
CUBI
0.0%
MA
18.4%

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)
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

CUBI vs MA: Head-to-Head Comparison

This page compares Customers Bancorp, Inc. (CUBI) and Mastercard Incorporated (MA) 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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