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CUBI vs TBBK

CUBI
Customers Bancorp, Inc.
NEUTRAL
Price
$74.38
Market Cap
$2.51B
Sector
Financial Services
AI Confidence
80%
TBBK
The Bancorp, Inc.
NEUTRAL
Price
$57.91
Market Cap
$2.44B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
CUBI
9.37
TBBK
12.3
Forward P/E
CUBI
7.94
TBBK
7.15
P/B Ratio
CUBI
1.2
TBBK
3.56
P/S Ratio
CUBI
3.1
TBBK
4.64
EV/EBITDA
CUBI
--
TBBK
--

Profitability

Gross Margin
CUBI
0.0%
TBBK
0.0%
Operating Margin
CUBI
48.7%
TBBK
59.75%
Profit Margin
CUBI
34.76%
TBBK
43.37%
ROE
CUBI
14.01%
TBBK
30.85%
ROA
CUBI
1.16%
TBBK
2.52%

Growth

Revenue Growth
CUBI
76.4%
TBBK
2.3%
Earnings Growth
CUBI
579.3%
TBBK
11.9%

Financial Health

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

Dividends

Dividend Yield
CUBI
--
TBBK
--
Payout Ratio
CUBI
0.0%
TBBK
0.0%

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)
TBBK NEUTRAL

TBBK presents a dichotomy between exceptional profitability and deteriorating momentum. The Piotroski F-Score of 4/9 indicates stable but non-improving financial health, while the absence of an Altman Z-Score is typical for the banking sector. While the stock trades at a significant discount to its growth-based intrinsic value ($117.04) and boasts a superior ROE of 30.85%, recent earnings misses and a bearish technical trend suggest a period of consolidation or correction.

Strengths
Exceptional Return on Equity (ROE) of 30.85%
Strong Return on Assets (ROA) of 2.52% for a regional bank
Attractive valuation with a Forward P/E of 7.15
Risks
Significant regulatory risk from OCC and FDIC regarding capital adequacy
Stagnant YoY revenue growth of only 2.30%
Poor recent earnings track record (only 1 beat in last 4 quarters)

Compare Another Pair

CUBI vs TBBK: Head-to-Head Comparison

This page compares Customers Bancorp, Inc. (CUBI) and The Bancorp, Inc. (TBBK) 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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