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Customers Bancorp Inc
Buy, Hold or Sell?

Let's analyse Customers Bancorp Inc together

PenkeI guess you are interested in Customers Bancorp Inc. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Customers Bancorp Inc. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of Customers Bancorp Inc (30 sec.)










What can you expect buying and holding a share of Customers Bancorp Inc? (30 sec.)

How much money do you get?

How much money do you get?
$0.46
When do you have the money?
1 year
How often do you get paid?
87.5%

What is your share worth?

Current worth
$50.38
Expected worth in 1 year
$58.34
How sure are you?
95.0%

+ What do you gain per year?

Total Gains per Share
$8.42
Return On Investment
15.9%

For what price can you sell your share?

Current Price per Share
$52.89
Expected price per share
$46.63 - $60.09
How sure are you?
50%

1. Valuation of Customers Bancorp Inc (5 min.)




Live pricePrice per Share (EOD)

$52.89

Intrinsic Value Per Share

$-34.68 - $78.18

Total Value Per Share

$15.70 - $128.56

2. Growth of Customers Bancorp Inc (5 min.)




Is Customers Bancorp Inc growing?

Current yearPrevious yearGrowGrow %
How rich?$1.6b$1.3b$139.2m9.2%

How much money is Customers Bancorp Inc making?

Current yearPrevious yearGrowGrow %
Making money$62.5m$57m$5.5m8.8%
Net Profit Margin29.4%35.4%--

How much money comes from the company's main activities?

3. Financial Health of Customers Bancorp Inc (5 min.)




4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

What can you expect buying and holding a share of Customers Bancorp Inc? (5 min.)

Welcome investor! Customers Bancorp Inc's management wants to use your money to grow the business. In return you get a share of Customers Bancorp Inc.

What can you expect buying and holding a share of Customers Bancorp Inc?

First you should know what it really means to hold a share of Customers Bancorp Inc. And how you can make/lose money.

Speculation

The Price per Share of Customers Bancorp Inc is $52.89. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Customers Bancorp Inc.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Customers Bancorp Inc, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $50.38. Based on the TTM, the Book Value Change Per Share is $1.99 per quarter. Based on the YOY, the Book Value Change Per Share is $0.65 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $0.11 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Customers Bancorp Inc.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 $% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share
Usd Eps1.913.6%1.863.5%1.623.1%1.432.7%0.941.8%
Usd Book Value Change Per Share1.843.5%1.993.8%0.651.2%1.031.9%0.951.8%
Usd Dividend Per Share0.120.2%0.110.2%0.070.1%0.100.2%0.080.2%
Usd Total Gains Per Share1.963.7%2.104.0%0.721.4%1.122.1%1.032.0%
Usd Price Per Share57.62-35.21-35.97-30.01-27.75-
Price to Earnings Ratio7.54-4.82-6.04--1.85-8.58-
Price-to-Total Gains Ratio29.38-16.89-84.43-34.29-34.75-
Price to Book Ratio1.14-0.73-0.88-0.77-1.00-
Price-to-Total Gains Ratio29.38-16.89-84.43-34.29-34.75-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share52.89
Number of shares18
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.110.10
Usd Book Value Change Per Share1.991.03
Usd Total Gains Per Share2.101.12
Gains per Quarter (18 shares)37.8720.23
Gains per Year (18 shares)151.5080.93
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
1814314177471
21628729214148152
32543044321222233
43357359428296314
54171774535369395
64986089642443476
7571003104749517557
8661146119856591638
9741290134963665719
10821433150070739800

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share4.00.00.0100.0%12.00.00.0100.0%19.01.00.095.0%39.01.00.097.5%51.02.00.096.2%
Book Value Change Per Share4.00.00.0100.0%12.00.00.0100.0%19.01.00.095.0%38.02.00.095.0%48.04.01.090.6%
Dividend per Share4.00.00.0100.0%12.00.00.0100.0%20.00.00.0100.0%35.00.05.087.5%38.00.015.071.7%
Total Gains per Share4.00.00.0100.0%12.00.00.0100.0%19.01.00.095.0%38.02.00.095.0%48.04.01.090.6%

Fundamentals of Customers Bancorp Inc

About Customers Bancorp Inc

Customers Bancorp, Inc. operates as the bank holding company for Customers Bank that provides financial products and services to individual consumers, and small and middle market businesses. The company provides deposit banking products, which includes commercial and consumer checking, non-interest-bearing and interest-bearing demand, MMDA, savings, and time deposit accounts. Its lending business offers commercial and industrial, commercial real estate, and multifamily and residential mortgage loans; SBA lending and financing; specialty lending includes fund finance, real estate specialty finance, technology and venture, and healthcare and financial institutions group; commercial loans to mortgage companies, and commercial equipment financing; and fund finance, such as variable rate loans secured by collateral pools to private debt funds; and cash management services. In addition, the company provides digital banking including Banking-as-a-Service to fintech companies, payments and treasury services to businesses, and consumer loans through fintech companies and the TassatPay, a blockchain-based instant B2B payments platform which offers instant payments including over-the-counter desks, exchanges, liquidity providers, market makers, funds, and other B2B verticals. Further, it offers mobile phone and internet banking, wire transfers, electronic bill payment, lock box, remote deposit capture, courier, merchant processing, cash vault, controlled disbursements, positive pay, and cash management services, such as account reconciliation, collections, and sweep accounts. The company was incorporated in 2010 and is headquartered in West Reading, Pennsylvania.

Fundamental data was last updated by Penke on 2024-03-22 20:31:06.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating very efficient.
Liquidity Details
 Compared to previous yearCompared to industry
The company is very able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is cheap.
Based on how much money comes from the company's main activities, the company is cheap.

1.1. Profitability of Customers Bancorp Inc.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Customers Bancorp Inc earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Customers Bancorp Inc to the Banks - Regional industry mean.
  • A Net Profit Margin of 17.0% means that $0.17 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Customers Bancorp Inc:

  • The MRQ is 17.0%. The company is making a huge profit. +2
  • The TTM is 29.4%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ17.0%TTM29.4%-12.3%
TTM29.4%YOY35.4%-6.0%
TTM29.4%5Y30.5%-1.1%
5Y30.5%10Y27.8%+2.7%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ17.0%18.4%-1.4%
TTM29.4%28.0%+1.4%
YOY35.4%25.2%+10.2%
5Y30.5%22.8%+7.7%
10Y27.8%19.8%+8.0%
1.1.2. Return on Assets

Shows how efficient Customers Bancorp Inc is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Customers Bancorp Inc to the Banks - Regional industry mean.
  • 0.3% Return on Assets means that Customers Bancorp Inc generated $0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Customers Bancorp Inc:

  • The MRQ is 0.3%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.3%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.3%TTM0.3%+0.0%
TTM0.3%YOY0.3%+0.0%
TTM0.3%5Y0.3%+0.0%
5Y0.3%10Y0.2%+0.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.3%0.1%+0.2%
TTM0.3%0.2%+0.1%
YOY0.3%0.2%+0.1%
5Y0.3%0.2%+0.1%
10Y0.2%0.2%+0.0%
1.1.3. Return on Equity

Shows how efficient Customers Bancorp Inc is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Customers Bancorp Inc to the Banks - Regional industry mean.
  • 3.8% Return on Equity means Customers Bancorp Inc generated $0.04 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Customers Bancorp Inc:

  • The MRQ is 3.8%. Using its investors money, the company is inefficient in making profit. -1
  • The TTM is 4.1%. Using its investors money, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ3.8%TTM4.1%-0.3%
TTM4.1%YOY4.1%0.0%
TTM4.1%5Y3.9%+0.2%
5Y3.9%10Y3.2%+0.7%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ3.8%1.4%+2.4%
TTM4.1%2.5%+1.6%
YOY4.1%2.7%+1.4%
5Y3.9%2.5%+1.4%
10Y3.2%2.8%+0.4%

1.2. Operating Efficiency of Customers Bancorp Inc.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Customers Bancorp Inc is operating .

  • Measures how much profit Customers Bancorp Inc makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Customers Bancorp Inc to the Banks - Regional industry mean.
  • An Operating Margin of 0.0% means the company generated $0.00  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Customers Bancorp Inc:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM58.3%-58.3%
TTM58.3%YOY91.7%-33.4%
TTM58.3%5Y72.9%-14.6%
5Y72.9%10Y71.2%+1.7%
1.2.2. Operating Ratio

Measures how efficient Customers Bancorp Inc is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 0.14 means that the operating costs are $0.14 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Customers Bancorp Inc:

  • The MRQ is 0.137. The company is very efficient in keeping operating costs low. +2
  • The TTM is -0.239.
Trends
Current periodCompared to+/- 
MRQ0.137TTM-0.239+0.377
TTM-0.239YOY-0.085-0.154
TTM-0.2395Y-0.073-0.166
5Y-0.07310Y0.121-0.194

1.3. Liquidity of Customers Bancorp Inc.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Customers Bancorp Inc is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 0.32 means the company has $0.32 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Customers Bancorp Inc:

  • The MRQ is 0.317. The company is unable to pay all its short-term debts. -2
  • The TTM is 42.097. The company is very able to pay all its short-term debts. +2
Trends
Current periodCompared to+/- 
MRQ0.317TTM42.097-41.781
TTM42.097YOY65.958-23.860
TTM42.0975Y53.407-11.310
5Y53.40710Y96.784-43.377
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM42.0970.124+41.973
YOY65.9580.225+65.733
5Y53.4070.219+53.188
10Y96.7840.131+96.653
1.3.2. Quick Ratio

Measures if Customers Bancorp Inc is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Customers Bancorp Inc to the Banks - Regional industry mean.
  • A Quick Ratio of 0.40 means the company can pay off $0.40 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Customers Bancorp Inc:

  • The MRQ is 0.397. The company is just not able to pay all its short-term debts with the most liquid assets. -1
  • The TTM is 23.047. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ0.397TTM23.047-22.649
TTM23.047YOY24.595-1.548
TTM23.0475Y15.727+7.320
5Y15.72710Y20.584-4.858

1.4. Solvency of Customers Bancorp Inc.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Customers Bancorp Inc assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Customers Bancorp Inc to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.92 means that Customers Bancorp Inc assets are financed with 92.3% credit (debt) and the remaining percentage (100% - 92.3%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Customers Bancorp Inc:

  • The MRQ is 0.923. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.930. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.923TTM0.930-0.007
TTM0.930YOY0.932-0.001
TTM0.9305Y0.928+0.002
5Y0.92810Y0.925+0.003
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9230.915+0.008
TTM0.9300.917+0.013
YOY0.9320.919+0.013
5Y0.9280.919+0.009
10Y0.9250.927-0.002
1.4.2. Debt to Equity Ratio

Measures if Customers Bancorp Inc is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Customers Bancorp Inc to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 1,201.0% means that company has $12.01 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Customers Bancorp Inc:

  • The MRQ is 12.010. The company is unable to pay all its debts with equity. -1
  • The TTM is 13.359. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ12.010TTM13.359-1.349
TTM13.359YOY13.614-0.255
TTM13.3595Y13.261+0.098
5Y13.26110Y12.608+0.653
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ12.01010.829+1.181
TTM13.35911.013+2.346
YOY13.61411.363+2.251
5Y13.26111.437+1.824
10Y12.60813.038-0.430

2. Market Valuation of Customers Bancorp Inc

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Customers Bancorp Inc generates.

  • Above 15 is considered overpriced but always compare Customers Bancorp Inc to the Banks - Regional industry mean.
  • A PE ratio of 7.54 means the investor is paying $7.54 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Customers Bancorp Inc:

  • The EOD is 6.926. Based on the earnings, the company is cheap. +2
  • The MRQ is 7.545. Based on the earnings, the company is underpriced. +1
  • The TTM is 4.824. Based on the earnings, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD6.926MRQ7.545-0.619
MRQ7.545TTM4.824+2.721
TTM4.824YOY6.036-1.213
TTM4.8245Y-1.846+6.670
5Y-1.84610Y8.579-10.425
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD6.9267.398-0.472
MRQ7.5456.680+0.865
TTM4.8245.295-0.471
YOY6.0366.943-0.907
5Y-1.8469.770-11.616
10Y8.5799.943-1.364
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Customers Bancorp Inc:

  • The EOD is 5.956. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 6.489. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is 5.375. Based on how much money comes from the company's main activities, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD5.956MRQ6.489-0.533
MRQ6.489TTM5.375+1.114
TTM5.375YOY5.074+0.301
TTM5.3755Y11.901-6.525
5Y11.90110Y5.222+6.679
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD5.956-2.069+8.025
MRQ6.489-1.868+8.357
TTM5.375-0.342+5.717
YOY5.0746.448-1.374
5Y11.9010.429+11.472
10Y5.2220.091+5.131
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Customers Bancorp Inc is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 1.14 means the investor is paying $1.14 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Customers Bancorp Inc:

  • The EOD is 1.050. Based on the equity, the company is underpriced. +1
  • The MRQ is 1.144. Based on the equity, the company is underpriced. +1
  • The TTM is 0.733. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD1.050MRQ1.144-0.094
MRQ1.144TTM0.733+0.411
TTM0.733YOY0.879-0.146
TTM0.7335Y0.769-0.036
5Y0.76910Y1.000-0.231
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD1.0500.427+0.623
MRQ1.1440.386+0.758
TTM0.7330.470+0.263
YOY0.8790.642+0.237
5Y0.7690.795-0.026
10Y1.0001.025-0.025
2. Total Gains per Share

3. Holders & Insider Transactions

Let's take a look at which institutions, funds and insiders are holding shares of Customers Bancorp Inc.

3.1. Institutions holding Customers Bancorp Inc

Institutions are holding 87.702% of the shares of Customers Bancorp Inc.

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2023-12-31BlackRock Inc14.48250.006745597981414673.2018
2023-12-31Dimensional Fund Advisors, Inc.6.84120.03622153952401341.8986
2023-12-31Vanguard Group Inc6.59130.00262075266-79031-3.6685
2023-12-31Wellington Management Company LLP5.44720.01841715054-417151-19.5643
2023-12-31State Street Corporation4.72080.00421486344-134222-8.2824
2023-12-31JPMorgan Chase & Co2.1850.0038687943-379546-35.555
2023-12-31Driehaus Capital Management LLC2.17930.47636861436861430
2023-12-31Morgan Stanley - Brokerage Accounts1.93350.0031608753-1779-0.2914
2023-12-31Geode Capital Management, LLC1.92870.0037607259252244.3338
2023-09-30Jacobs Levy Equity Management, Inc.1.88160.1209592420-6067-1.0137
2023-12-31Nuveen Asset Management, LLC1.67520.00985274205308211.1908
2023-12-31Goldman Sachs Group Inc1.57650.002649634822643583.8918
2023-12-31American Century Companies Inc1.46470.01834611589639126.4254
2023-12-31Aristotle Capital Boston, LLC1.44660.80224554755990.1317
2023-12-31Tidal Investments LLC.1.42780.60274495406029415.4899
2023-12-31Charles Schwab Investment Management Inc1.29560.006407920352309.4529
2023-12-31LSV Asset Management1.12240.0444353400-11100-3.0453
2023-12-31Amvescap Plc.1.08110.0047340394185810120.2
2023-12-31Northern Trust Corp1.00860.003331756616890.5347
2023-12-31Ameriprise Financial Inc0.92990.0051292774-66977-18.6176
Total 61.21952.17519274927+456625+2.4%

3.2. Funds holding Customers Bancorp Inc

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2024-02-28iShares Core S&P Small-Cap ETF6.11690.1332192320400
2024-01-31Vanguard Total Stock Mkt Idx Inv2.70660.0031850965156671.8756
2024-02-01iShares Russell 2000 ETF2.34120.063573609400
2024-01-31DFA US Small Cap Value I1.74180.193354762300
2024-02-29Avantis US Small Cap Value ETF1.40470.23674416581940.0439
2024-01-31Vanguard Institutional Extnd Mkt Idx Tr1.32490.0232416573-1160-0.2777
2024-01-31DFA US Targeted Value I1.0320.1345324484-27203-7.735
2023-12-31Fidelity Small Cap Index0.90650.064628501836461.2958
2023-12-31TIAA-CREF Quant Small-Cap Equity Instl0.89180.533228039000
2024-02-28iShares S&P Small-Cap 600 Growth ETF0.88250.259527746300
2024-02-29SPDR® S&P Regional Banking ETF0.880.5301276690-4465-1.5881
2024-02-01iShares Russell 2000 Value ETF0.86130.120127081000
2024-02-29SPDR® Portfolio S&P 600 Sm Cap ETF0.80870.1345254272520.0205
2023-12-31Tieton Small Cap Value0.7597.5891238648-3715-1.5328
2024-01-31Vanguard Tax-Managed Small Cap Adm0.74590.145423451500
2024-02-29Amplify Transformational Data Shrg ETF0.68371.5474214976-19120-8.1676
2024-01-31JPMorgan Small Cap Value I0.64590.765820307200
2024-01-31DFA US Small Cap I0.63770.072820048500
2024-02-29Dimensional US Targeted Value ETF0.60110.10771890041220.0646
2024-01-31State St Russell Sm/Mid Cp® Indx NL Cl C0.54570.02417155822001.299
Total 26.517912.68178337502-33782-0.4%

3.3. Insider Transactions

Insiders are holding 7.296% of the shares of Customers Bancorp Inc.

DateOwnerTypeAmountPricePost Transaction AmountLink
2024-03-12Carla A LeiboldSELL3583253.15
2024-02-27Glenn HeddeSELL66654.2
2023-12-05Glenn HeddeSELL133548.49
2023-12-05Jay S SidhuSELL1000048.54
2023-11-07Jessie John Deano VelasquezSELL136444.35
2023-11-02Jay S SidhuSELL5124041.47
2023-10-31Jay S SidhuSELL10000039.42
2023-09-15Carla A LeiboldSELL1661934.33
2023-08-02Glenn HeddeSELL779241
2023-08-01Andrew Hertz BowmanSELL1496140.61
2023-08-01Carla A LeiboldSELL2500040.41

4. Summary

4.1. Key Performance Indicators

The key performance indicators of Customers Bancorp Inc compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--1.8441.990-7%0.652+183%1.026+80%0.952+94%
Book Value Per Share--50.37847.239+7%41.147+22%38.135+32%30.070+68%
Current Ratio--0.31742.097-99%65.958-100%53.407-99%96.784-100%
Debt To Asset Ratio--0.9230.930-1%0.932-1%0.928-1%0.9250%
Debt To Equity Ratio--12.01013.359-10%13.614-12%13.261-9%12.608-5%
Dividend Per Share--0.1170.114+3%0.070+68%0.098+20%0.082+43%
Eps--1.9091.859+3%1.622+18%1.428+34%0.941+103%
Free Cash Flow Per Share--2.2202.293-3%-1.050+147%0.817+172%-0.224+110%
Free Cash Flow To Equity Per Share---16.7153.184-625%8.448-298%17.115-198%12.107-238%
Gross Profit Margin--0.9860.9870%0.985+0%0.971+2%0.970+2%
Intrinsic Value_10Y_max--78.181--------
Intrinsic Value_10Y_min---34.676--------
Intrinsic Value_1Y_max--4.611--------
Intrinsic Value_1Y_min---1.341--------
Intrinsic Value_3Y_max--16.310--------
Intrinsic Value_3Y_min---5.902--------
Intrinsic Value_5Y_max--30.971--------
Intrinsic Value_5Y_min---12.479--------
Market Cap1665236361.000-13%1873905366.9401134328670.625+65%1211254885.910+55%988190101.021+90%900760140.669+108%
Net Profit Margin--0.1700.294-42%0.354-52%0.305-44%0.278-39%
Operating Margin---0.583-100%0.917-100%0.729-100%0.712-100%
Operating Ratio--0.137-0.239+274%-0.085+162%-0.073+153%0.121+14%
Pb Ratio1.050-9%1.1440.733+56%0.879+30%0.769+49%1.000+14%
Pe Ratio6.926-9%7.5454.824+56%6.036+25%-1.846+124%8.579-12%
Price Per Share52.890-9%57.62035.213+64%35.965+60%30.005+92%27.750+108%
Price To Free Cash Flow Ratio5.956-9%6.4895.375+21%5.074+28%11.901-45%5.222+24%
Price To Total Gains Ratio26.972-9%29.38416.890+74%84.426-65%34.288-14%34.755-15%
Quick Ratio--0.39723.047-98%24.595-98%15.727-97%20.584-98%
Return On Assets--0.0030.003+1%0.003+2%0.003+8%0.002+27%
Return On Equity--0.0380.041-8%0.041-8%0.039-3%0.032+19%
Total Gains Per Share--1.9612.104-7%0.722+172%1.124+74%1.035+90%
Usd Book Value--1638394000.0001519418250.000+8%1380172000.000+19%1243932650.000+32%973744125.000+68%
Usd Book Value Change Per Share--1.8441.990-7%0.652+183%1.026+80%0.952+94%
Usd Book Value Per Share--50.37847.239+7%41.147+22%38.135+32%30.070+68%
Usd Dividend Per Share--0.1170.114+3%0.070+68%0.098+20%0.082+43%
Usd Eps--1.9091.859+3%1.622+18%1.428+34%0.941+103%
Usd Free Cash Flow--72197000.00073631250.000-2%-33543000.000+146%26537400.000+172%-6215075.000+109%
Usd Free Cash Flow Per Share--2.2202.293-3%-1.050+147%0.817+172%-0.224+110%
Usd Free Cash Flow To Equity Per Share---16.7153.184-625%8.448-298%17.115-198%12.107-238%
Usd Market Cap1665236361.000-13%1873905366.9401134328670.625+65%1211254885.910+55%988190101.021+90%900760140.669+108%
Usd Price Per Share52.890-9%57.62035.213+64%35.965+60%30.005+92%27.750+108%
Usd Profit--62092000.00062535750.000-1%57008500.000+9%50613600.000+23%33568600.000+85%
Usd Revenue--364587000.000229531750.000+59%158094500.000+131%158214100.000+130%112078600.000+225%
Usd Total Gains Per Share--1.9612.104-7%0.722+172%1.124+74%1.035+90%
 EOD+4 -4MRQTTM+15 -21YOY+23 -135Y+24 -1210Y+25 -11

4.2. Fundamental Score

Let's check the fundamental score of Customers Bancorp Inc based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-156.926
Price to Book Ratio (EOD)Between0-11.050
Net Profit Margin (MRQ)Greater than00.170
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than10.397
Current Ratio (MRQ)Greater than10.317
Debt to Asset Ratio (MRQ)Less than10.923
Debt to Equity Ratio (MRQ)Less than112.010
Return on Equity (MRQ)Greater than0.150.038
Return on Assets (MRQ)Greater than0.050.003
Total3/10 (30.0%)

4.3. Technical Score

Let's check the technical score of Customers Bancorp Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5051.594
Ma 20Greater thanMa 5052.649
Ma 50Greater thanMa 10052.647
Ma 100Greater thanMa 20051.088
OpenGreater thanClose52.020
Total4/5 (80.0%)



Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2022-12-312023-03-312023-06-302023-09-302023-12-31
Other Current Liabilities  -300,00050,832-249,168-20,371-269,5395,133-264,40612,742,35612,477,950
Long-term Assets Other  -3,951,514154,251-3,797,263-297,595-4,094,858143,281-3,951,57716,910,93512,959,358
Net Working Capital  18,671,449-1,283,94717,387,502-11,557,6785,829,82413,646,83619,476,660-28,023,196-8,546,536



Latest Balance Sheet

Balance Sheet of 2023-12-31. Currency in USD. All numbers in thousands.

Summary
Total Assets21,316,265
Total Liabilities19,677,871
Total Stockholder Equity1,638,394
 As reported
Total Liabilities 19,677,871
Total Stockholder Equity+ 1,638,394
Total Assets = 21,316,265

Assets

Total Assets21,316,265
Total Current Assets3,961,112
Long-term Assets17,355,153
Total Current Assets
Cash And Cash Equivalents 3,846,346
Short-term Investments 2,405,640
Net Receivables 114,766
Other Current Assets 3,961,112
Total Current Assets  (as reported)3,961,112
Total Current Assets  (calculated)10,327,864
+/- 6,366,752
Long-term Assets
Property Plant Equipment 23,015
Long Term Investments 3,508,810
Intangible Assets 3,629
Long-term Assets Other 12,959,358
Long-term Assets  (as reported)17,355,153
Long-term Assets  (calculated)16,494,812
+/- 860,341

Liabilities & Shareholders' Equity

Total Current Liabilities12,507,648
Long-term Liabilities7,170,223
Total Stockholder Equity1,638,394
Total Current Liabilities
Short-term Debt 29,698
Short Long Term Debt 3,207
Other Current Liabilities 12,477,950
Total Current Liabilities  (as reported)12,507,648
Total Current Liabilities  (calculated)12,510,855
+/- 3,207
Long-term Liabilities
Long term Debt 1,506,070
Long-term Liabilities  (as reported)7,170,223
Long-term Liabilities  (calculated)1,506,070
+/- 5,664,153
Total Stockholder Equity
Common Stock35,459
Retained Earnings 1,159,582
Other Stockholders Equity 442,128
Total Stockholder Equity (as reported)1,638,394
Total Stockholder Equity (calculated)1,637,169
+/- 1,225
Other
Capital Stock173,253
Cash and Short Term Investments 2,450,850
Common Stock Shares Outstanding 32,522
Liabilities and Stockholders Equity 21,316,265
Net Debt -2,319,021
Net Invested Capital 3,009,877
Net Working Capital -8,546,536
Property Plant and Equipment Gross 29,849
Short Long Term Debt Total 1,527,325



Balance Sheet

Currency in USD. All numbers in thousands.

 Trend2023-12-312023-09-302023-06-302023-03-312022-12-312022-09-302022-06-302022-03-312021-12-312021-09-302021-06-302021-03-312020-12-312020-09-302020-06-302020-03-312019-12-312019-09-302019-06-302019-03-312018-12-312018-09-302018-06-302018-03-312017-12-312017-09-302017-06-302017-03-312016-12-312016-09-302016-06-302016-03-312015-12-312015-09-302015-06-302015-03-312014-12-312014-09-302014-06-302014-03-312013-12-312013-09-302013-06-302013-03-312012-12-312012-09-302012-06-302012-03-312011-12-312011-09-302011-06-302011-03-312010-12-312010-09-30
> Total Assets 
0
1,374,407
0
1,694,179
1,863,000
2,077,532
1,975,592
2,283,032
2,654,091
3,197,334
3,458,624
3,793,258
3,925,112
4,153,173
5,014,231
5,635,728
6,532,435
6,825,370
7,133,225
7,617,643
7,599,471
8,401,313
9,038,882
9,684,625
9,602,610
9,382,736
9,906,636
10,883,548
10,471,829
9,839,555
10,769,266
11,092,846
10,617,104
9,833,425
10,143,894
11,182,427
11,723,790
11,520,717
12,026,342
17,903,118
18,778,727
18,439,248
18,817,660
19,635,108
19,108,922
19,575,028
19,163,708
20,251,996
20,367,621
20,896,112
21,751,614
22,028,565
21,857,152
21,316,265
21,316,26521,857,15222,028,56521,751,61420,896,11220,367,62120,251,99619,163,70819,575,02819,108,92219,635,10818,817,66018,439,24818,778,72717,903,11812,026,34211,520,71711,723,79011,182,42710,143,8949,833,42510,617,10411,092,84610,769,2669,839,55510,471,82910,883,5489,906,6369,382,7369,602,6109,684,6259,038,8828,401,3137,599,4717,617,6437,133,2256,825,3706,532,4355,635,7285,014,2314,153,1733,925,1123,793,2583,458,6243,197,3342,654,0912,283,0321,975,5922,077,5321,863,0001,694,17901,374,4070
   > Total Current Assets 
0
0
0
969,166
221,049
1,667,830
1,654,639
2,136,681
2,509,981
3,058,780
3,283,362
3,597,091
3,412,811
3,640,299
4,541,022
5,195,922
6,108,318
6,394,211
6,722,309
7,228,579
7,165,305
7,825,878
8,466,625
9,107,036
9,042,362
8,873,364
8,873,870
9,855,282
9,858,033
9,339,934
9,558,572
9,903,472
9,920,128
9,140,851
9,439,037
10,448,126
11,085,480
10,900,257
11,282,382
17,198,781
17,618,715
17,203,039
17,360,902
18,094,072
17,228,487
18,359,454
18,244,705
18,811,540
18,294,102
18,902,115
17,636,670
6,099,363
19,741,066
3,961,112
3,961,11219,741,0666,099,36317,636,67018,902,11518,294,10218,811,54018,244,70518,359,45417,228,48718,094,07217,360,90217,203,03917,618,71517,198,78111,282,38210,900,25711,085,48010,448,1269,439,0379,140,8519,920,1289,903,4729,558,5729,339,9349,858,0339,855,2828,873,8708,873,3649,042,3629,107,0368,466,6257,825,8787,165,3057,228,5796,722,3096,394,2116,108,3185,195,9224,541,0223,640,2993,412,8113,597,0913,283,3623,058,7802,509,9812,136,6811,654,6391,667,830221,049969,166000
       Cash And Cash Equivalents 
0
6,396
0
5,041
52,830
73,570
90,824
122,052
157,510
186,016
181,140
205,685
255,653
233,068
290,467
265,534
331,306
371,023
333,823
391,589
383,399
264,593
262,638
302,796
265,588
244,709
157,130
401,690
219,480
146,323
215,411
251,726
666,034
62,135
117,662
95,795
182,218
212,505
256,232
1,067,330
331,416
693,354
515,364
430,500
1,052,054
518,032
274,600
245,178
404,465
455,806
2,046,685
3,155,224
3,419,974
3,846,346
3,846,3463,419,9743,155,2242,046,685455,806404,465245,178274,600518,0321,052,054430,500515,364693,354331,4161,067,330256,232212,505182,21895,795117,66262,135666,034251,726215,411146,323219,480401,690157,130244,709265,588302,796262,638264,593383,399391,589333,823371,023331,306265,534290,467233,068255,653205,685181,140186,016157,510122,05290,82473,57052,8305,04106,3960
       Short-term Investments 
0
232,328
0
251,255
155,971
79,137
27,951
134,757
130,705
129,093
162,030
183,769
497,566
497,573
458,302
425,061
409,303
416,685
396,194
373,953
418,945
560,253
556,165
547,935
530,896
493,474
1,017,300
1,012,605
584,823
471,371
1,181,661
1,161,000
668,851
665,012
678,142
708,359
608,714
595,876
712,657
681,382
1,133,831
1,210,285
1,441,904
1,526,792
1,866,697
3,817,150
4,169,853
3,144,882
2,943,694
2,987,500
2,926,969
2,824,638
2,773,207
2,405,640
2,405,6402,773,2072,824,6382,926,9692,987,5002,943,6943,144,8824,169,8533,817,1501,866,6971,526,7921,441,9041,210,2851,133,831681,382712,657595,876608,714708,359678,142665,012668,8511,161,0001,181,661471,371584,8231,012,6051,017,300493,474530,896547,935556,165560,253418,945373,953396,194416,685409,303425,061458,302497,573497,566183,769162,030129,093130,705134,75727,95179,137155,971251,2550232,3280
       Net Receivables 
0
0
0
712,870
1,000,347
27,184
27,502
23,385
28,878
39,777
39,748
46,321
47,527
18,408
17,901
20,532
19,739
17,525
19,129
15,958
16,714
19,939
21,206
22,402
22,100
23,690
25,603
26,163
27,135
27,021
31,812
33,956
32,986
32,955
35,716
38,506
38,412
38,072
40,570
49,911
65,668
80,412
83,186
90,009
93,514
92,239
94,669
98,727
107,621
123,374
123,754
119,501
123,984
114,766
114,766123,984119,501123,754123,374107,62198,72794,66992,23993,51490,00983,18680,41265,66849,91140,57038,07238,41238,50635,71632,95532,98633,95631,81227,02127,13526,16325,60323,69022,10022,40221,20619,93916,71415,95819,12917,52519,73920,53217,90118,40847,52746,32139,74839,77728,87823,38527,50227,1841,000,347712,870000
       Other Current Assets 
0
0
0
0
168,219
1,567,076
1,536,313
1,991,244
2,323,593
2,703,894
2,900,444
3,161,316
2,612,065
2,891,250
3,774,352
4,484,795
5,347,970
5,588,978
5,973,163
6,447,079
6,346,247
6,981,093
7,626,616
8,233,903
8,223,778
8,111,491
7,673,837
8,414,824
9,026,595
8,695,219
9,311,349
9,617,790
9,221,108
8,380,749
8,607,517
9,605,466
10,256,136
10,053,804
10,272,923
15,400,158
16,087,800
15,218,988
15,320,448
16,046,771
14,216,222
13,932,033
97,672
105,322
512,086
15,335,435
2,170,439
3,274,725
3,543,958
3,961,112
3,961,1123,543,9583,274,7252,170,43915,335,435512,086105,32297,67213,932,03314,216,22216,046,77115,320,44815,218,98816,087,80015,400,15810,272,92310,053,80410,256,1369,605,4668,607,5178,380,7499,221,1089,617,7909,311,3498,695,2199,026,5958,414,8247,673,8378,111,4918,223,7788,233,9037,626,6166,981,0936,346,2476,447,0795,973,1635,588,9785,347,9704,484,7953,774,3522,891,2502,612,0653,161,3162,900,4442,703,8942,323,5931,991,2441,536,3131,567,076168,2190000
   > Long-term Assets 
0
0
0
5,232
1,641,951
409,702
320,953
146,351
144,110
142,454
175,262
196,167
512,301
512,874
473,209
439,806
424,117
431,159
410,916
389,064
434,166
575,435
572,257
577,589
560,248
509,372
1,032,766
1,028,266
613,796
499,621
1,210,694
1,189,374
696,976
692,574
704,857
734,301
638,310
620,460
736,417
704,337
1,160,012
1,236,209
1,456,758
1,541,036
1,880,435
3,829,776
3,678
10,384
10,239
12,654
12,210
4,094,858
11,418
17,355,153
17,355,15311,4184,094,85812,21012,65410,23910,3843,6783,829,7761,880,4351,541,0361,456,7581,236,2091,160,012704,337736,417620,460638,310734,301704,857692,574696,9761,189,3741,210,694499,621613,7961,028,2661,032,766509,372560,248577,589572,257575,435434,166389,064410,916431,159424,117439,806473,209512,874512,301196,167175,262142,454144,110146,351320,953409,7021,641,9515,232000
       Property Plant Equipment 
0
4,700
0
5,232
9,000
9,420
9,378
9,319
9,708
9,672
9,546
10,170
11,055
11,625
11,234
11,075
11,147
10,810
11,061
11,453
11,567
11,531
12,444
12,457
12,428
12,259
11,830
12,028
12,369
11,955
11,556
11,224
11,300
11,063
10,542
10,095
14,075
9,389
8,890
8,380
11,744
11,626
10,943
10,391
9,944
8,890
8,233
6,755
6,610
9,025
8,581
8,031
7,789
23,015
23,0157,7898,0318,5819,0256,6106,7558,2338,8909,94410,39110,94311,62611,7448,3808,8909,38914,07510,09510,54211,06311,30011,22411,55611,95512,36912,02811,83012,25912,42812,45712,44411,53111,56711,45311,06110,81011,14711,07511,23411,62511,05510,1709,5469,6729,7089,3199,3789,4209,0005,23204,7000
       Goodwill 
0
0
0
0
2,465
1,598
2,207
2,275
3,697
3,629
3,629
3,683
3,680
3,629
3,629
3,670
3,667
3,664
3,661
3,658
3,654
3,651
3,648
17,197
16,924
3,639
3,636
3,633
16,604
16,295
17,477
17,150
16,825
16,499
16,173
15,847
15,521
15,195
14,870
14,575
14,437
0
0
0
0
0
0
0
0
0
0
0
0
0
000000000000014,43714,57514,87015,19515,52115,84716,17316,49916,82517,15017,47716,29516,6043,6333,6363,63916,92417,1973,6483,6513,6543,6583,6613,6643,6673,6703,6293,6293,6803,6833,6293,6293,6972,2752,2071,5982,4650000
       Long Term Investments 
0
0
0
0
1,217,502
0
0
0
0
1,439,889
1,359,817
1,414,943
917,939
747,593
697,532
1,061,395
1,395,720
1,435,459
1,758,084
2,030,348
1,730,002
1,797,064
1,969,280
2,301,821
2,402,708
2,117,510
1,684,548
2,255,096
2,113,293
146,077
662
1,043
1,383
1,507
1,602
5,697
502,854
486,328
450,157
15,130,297
26,689
79,086
46,106
1,526,792
1,866,697
3,817,150
4,169,853
3,639,921
3,829,988
3,827,759
3,797,263
4,083,198
3,951,577
3,508,810
3,508,8103,951,5774,083,1983,797,2633,827,7593,829,9883,639,9214,169,8533,817,1501,866,6971,526,79246,10679,08626,68915,130,297450,157486,328502,8545,6971,6021,5071,3831,043662146,0772,113,2932,255,0961,684,5482,117,5102,402,7082,301,8211,969,2801,797,0641,730,0022,030,3481,758,0841,435,4591,395,7201,061,395697,532747,593917,9391,414,9431,359,8171,439,88900001,217,5020000
       Intangible Assets 
0
0
0
0
2,000
1,598
2,207
2,275
3,697
60
60
3,683
3,680
47
47
3,670
3,667
3,664
3,661
3,658
3,654
3,651
3,648
17,200
16,924
3,639
3,636
3,633
16,604
16,295
17,477
17,150
16,825
16,499
16,173
15,847
15,521
15,195
14,870
14,575
14,437
14,298
3,911
3,853
3,794
3,736
3,678
3,629
3,629
3,629
3,629
3,629
3,629
3,629
3,6293,6293,6293,6293,6293,6293,6293,6783,7363,7943,8533,91114,29814,43714,57514,87015,19515,52115,84716,17316,49916,82517,15017,47716,29516,6043,6333,6363,63916,92417,2003,6483,6513,6543,6583,6613,6643,6673,67047473,6803,68360603,6972,2752,2071,5982,0000000
       Earning Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
850,764
909,720
1,392,258
1,369,436
1,553,793
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0000000000000001,553,7931,369,4361,392,258909,720850,7640000000000000000000000000000000000
       Other Assets 
0
259,922
0
719,781
583,448
2,487,234
2,296,545
2,429,383
2,798,201
-3,900
3,633,886
3,989,425
4,437,413
4,666,047
5,487,440
6,075,534
6,956,552
7,256,529
7,544,141
8,006,707
8,033,637
8,976,748
9,611,139
10,262,214
10,162,858
9,892,108
10,939,402
11,911,814
11,085,625
10,339,176
11,979,960
12,282,220
11,314,080
10,525,999
10,848,751
11,916,728
12,362,100
12,141,177
7,543
18,607,455
19,938,739
19,675,457
20,274,418
21,176,144
20,989,357
-2,614,202
915,325
1,430,072
2,063,280
1,981,343
4,102,734
11,834,344
2,104,668
6,013,193
6,013,1932,104,66811,834,3444,102,7341,981,3432,063,2801,430,072915,325-2,614,20220,989,35721,176,14420,274,41819,675,45719,938,73918,607,4557,54312,141,17712,362,10011,916,72810,848,75110,525,99911,314,08012,282,22011,979,96010,339,17611,085,62511,911,81410,939,4029,892,10810,162,85810,262,2149,611,1398,976,7488,033,6378,006,7077,544,1417,256,5296,956,5526,075,5345,487,4404,666,0474,437,4133,989,4253,633,886-3,9002,798,2012,429,3832,296,5452,487,234583,448719,7810259,9220
> Total Liabilities 
0
1,269,267
0
1,570,802
1,713,000
1,929,784
1,824,284
2,124,316
2,392,589
2,927,859
3,181,714
3,413,485
3,536,227
3,766,550
4,613,293
5,221,988
6,106,636
6,382,225
6,675,274
7,094,142
7,061,493
7,847,411
8,439,633
9,004,063
8,812,790
8,526,864
9,026,819
9,973,259
9,561,187
8,918,591
9,850,178
10,156,619
9,662,292
8,876,609
9,165,521
10,191,022
10,704,640
10,467,922
11,054,163
16,895,271
17,727,236
17,322,162
17,628,939
18,384,379
17,824,623
18,208,811
17,786,302
18,898,606
18,980,690
19,493,151
20,330,594
20,571,913
20,295,545
19,677,871
19,677,87120,295,54520,571,91320,330,59419,493,15118,980,69018,898,60617,786,30218,208,81117,824,62318,384,37917,628,93917,322,16217,727,23616,895,27111,054,16310,467,92210,704,64010,191,0229,165,5218,876,6099,662,29210,156,6199,850,1788,918,5919,561,1879,973,2599,026,8198,526,8648,812,7909,004,0638,439,6337,847,4117,061,4937,094,1426,675,2746,382,2256,106,6365,221,9884,613,2933,766,5503,536,2273,413,4853,181,7142,927,8592,392,5892,124,3161,824,2841,929,7841,713,0001,570,80201,269,2670
   > Total Current Liabilities 
0
0
0
0
1,700,000
8,595
7,094
9,453
6,405
423,941
16,888
10,776
55,665
633,378
36,711
29,344
27,746
1,331,437
38,703
30,735
42,149
1,409,660
51,985
89,380
139,405
736,181
43,320
37,157
59,654
56,212
64,465
70,051
80,846
66,455
93,406
129,064
132,577
126,241
195,603
1,204,341
1,091,891
1,041,786
1,201,741
338,801
448,844
251,128
265,770
378,625
287,855
230,666
249,168
269,539
264,406
12,507,648
12,507,648264,406269,539249,168230,666287,855378,625265,770251,128448,844338,8011,201,7411,041,7861,091,8911,204,341195,603126,241132,577129,06493,40666,45580,84670,05164,46556,21259,65437,15743,320736,181139,40589,38051,9851,409,66042,14930,73538,7031,331,43727,74629,34436,711633,37855,66510,77616,888423,9416,4059,4537,0948,5951,700,0000000
       Short-term Debt 
0
0
0
0
0
0
0
0
0
411,000
411,000
0
0
611,500
611,500
0
0
1,298,000
0
0
0
1,365,300
1,800,324
2,054,690
1,175,657
688,800
688,800
2,457,577
1,916,549
2,072,311
2,755,927
2,804,312
0
0
0
0
0
0
0
850,000
850,000
850,000
850,000
181,534
181,603
700,000
0
135,000
866,565
300,000
2,054,512
2,048,511
1,532,308
29,698
29,6981,532,3082,048,5112,054,512300,000866,565135,0000700,000181,603181,534850,000850,000850,000850,00000000002,804,3122,755,9272,072,3111,916,5492,457,577688,800688,8001,175,6572,054,6901,800,3241,365,3000001,298,00000611,500611,50000411,000411,000000000000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,825,966
0
0
0
1,904,374
1,800,324
2,054,690
1,175,657
1,161,878
1,508,839
2,457,577
1,916,549
2,072,311
2,755,927
2,804,312
0
0
0
0
0
0
0
850,000
850,000
850,000
850,000
0
0
700,000
0
135,000
0
300,000
0
0
0
3,207
3,207000300,0000135,0000700,00000850,000850,000850,000850,00000000002,804,3122,755,9272,072,3111,916,5492,457,5771,508,8391,161,8781,175,6572,054,6901,800,3241,904,3740001,825,96600000000000000000
       Accounts payable 
0
1,245,690
0
1,406,353
8,000
8,595
7,094
9,453
6,405
12,941
16,888
10,776
55,665
21,878
36,711
29,344
27,746
33,437
38,703
30,735
42,149
44,360
51,985
89,380
139,405
47,381
43,320
37,157
59,654
56,212
64,465
70,051
80,846
66,455
93,406
129,064
132,577
126,241
195,603
354,341
241,891
191,786
351,741
338,801
448,844
251,128
265,770
243,625
287,855
230,666
249,168
269,539
264,406
0
0264,406269,539249,168230,666287,855243,625265,770251,128448,844338,801351,741191,786241,891354,341195,603126,241132,577129,06493,40666,45580,84670,05164,46556,21259,65437,15743,32047,381139,40589,38051,98544,36042,14930,73538,70333,43727,74629,34436,71121,87855,66510,77616,88812,9416,4059,4537,0948,5958,0001,406,35301,245,6900
       Other Current Liabilities 
0
0
0
0
1,692,000
-8,595
-7,094
-9,453
-6,405
2,445,818
-16,888
-10,776
-55,665
2,972,922
-36,711
-29,344
-27,746
4,532,538
-38,703
-30,735
-42,149
5,979,501
-51,985
-89,380
-139,405
6,929,980
-43,320
-37,157
-59,654
-56,212
-64,465
-70,051
-80,846
-66,455
-93,406
-129,064
-132,577
-126,241
-195,603
10,965,875
11,519,077
-1,041,605
-1,020,277
-338,801
-448,844
-251,128
-265,770
-378,625
-287,855
-300,000
-249,168
-269,539
-264,406
12,477,950
12,477,950-264,406-269,539-249,168-300,000-287,855-378,625-265,770-251,128-448,844-338,801-1,020,277-1,041,60511,519,07710,965,875-195,603-126,241-132,577-129,064-93,406-66,455-80,846-70,051-64,465-56,212-59,654-37,157-43,3206,929,980-139,405-89,380-51,9855,979,501-42,149-30,735-38,7034,532,538-27,746-29,344-36,7112,972,922-55,665-10,776-16,8882,445,818-6,405-9,453-7,094-8,5951,692,0000000
   > Long-term Liabilities 
0
0
0
0
13,000
333,000
13,000
180,000
38,000
62,000
539,000
507,000
237,250
160,300
970,250
1,501,750
1,794,750
518,250
1,743,250
1,586,250
1,184,150
458,250
1,829,033
2,102,424
1,232,415
375,906
1,402,646
2,294,461
1,757,457
1,907,237
2,548,254
2,685,614
1,067,732
1,480,918
1,258,797
1,470,181
1,273,378
1,154,745
1,564,917
305,088
305,259
305,431
305,602
305,774
404,754
1,104,759
265,770
378,625
287,855
230,666
249,168
2,351,943
1,835,775
7,170,223
7,170,2231,835,7752,351,943249,168230,666287,855378,625265,7701,104,759404,754305,774305,602305,431305,259305,0881,564,9171,154,7451,273,3781,470,1811,258,7971,480,9181,067,7322,685,6142,548,2541,907,2371,757,4572,294,4611,402,646375,9061,232,4152,102,4241,829,033458,2501,184,1501,586,2501,743,250518,2501,794,7501,501,750970,250160,300237,250507,000539,00062,00038,000180,00013,000333,00013,0000000
       Long term Debt Total 
0
0
0
0
13,000
0
0
0
0
473,000
539,000
507,000
237,250
65,250
65,250
200,250
200,250
198,250
198,250
198,250
198,250
198,250
195,333
195,524
195,715
195,906
196,096
294,861
295,114
295,377
295,639
295,817
232,732
232,848
232,965
208,081
232,578
304,745
304,917
305,088
305,259
305,431
305,602
305,774
404,754
404,759
404,972
305,262
305,397
0
305,666
305,801
0
0
00305,801305,6660305,397305,262404,972404,759404,754305,774305,602305,431305,259305,088304,917304,745232,578208,081232,965232,848232,732295,817295,639295,377295,114294,861196,096195,906195,715195,524195,333198,250198,250198,250198,250198,250200,250200,25065,25065,250237,250507,000539,000473,000000013,0000000
       Other Liabilities 
0
10,577
0
10,449
8,121
8,595
7,094
9,453
6,405
12,941
16,888
10,776
55,665
21,878
36,711
29,344
27,746
33,437
38,703
30,735
42,149
44,360
51,985
89,380
139,405
532,178
79,702
506,876
59,654
56,212
64,465
70,051
80,846
9,942
0
0
0
17,240
175,000
4,419,967
0
8,700
0
0
0
12,838
0
0
0
9,600
0
0
0
0
00009,60000012,8380008,70004,419,967175,00017,2400009,94280,84670,05164,46556,21259,654506,87679,702532,178139,40589,38051,98544,36042,14930,73538,70333,43727,74629,34436,71121,87855,66510,77616,88812,9416,4059,4537,0948,5958,12110,449010,5770
       Deferred Long Term Liability 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
864
813
952
1,052
1,088
1,148
1,070
9,960
1,113
1,021
937
872
809
748
1,535
1,461
0
1,333
1,270
0
01,2701,33301,4611,5357488098729371,0211,1139,9601,0701,1481,0881,0529528138640000000000000000000000000000000000
> Total Stockholder Equity
0
105,140
0
123,377
150,000
147,748
151,308
158,716
261,502
269,475
276,910
379,773
388,885
386,623
400,938
413,740
425,799
443,145
457,951
523,501
537,978
553,902
599,249
680,562
789,820
855,872
879,817
910,289
910,642
920,964
919,088
936,227
954,812
956,816
978,373
991,405
1,019,150
1,052,795
972,179
1,007,847
1,051,491
1,117,086
1,188,721
1,250,729
1,284,299
1,366,217
1,377,406
1,353,390
1,386,931
1,402,961
1,421,020
1,456,652
1,561,607
1,638,394
1,638,3941,561,6071,456,6521,421,0201,402,9611,386,9311,353,3901,377,4061,366,2171,284,2991,250,7291,188,7211,117,0861,051,4911,007,847972,1791,052,7951,019,150991,405978,373956,816954,812936,227919,088920,964910,642910,289879,817855,872789,820680,562599,249553,902537,978523,501457,951443,145425,799413,740400,938386,623388,885379,773276,910269,475261,502158,716151,308147,748150,000123,3770105,1400
   Common Stock
0
8,398
0
29,361
11,000
11,395
11,395
11,395
18,507
18,507
18,531
24,710
24,742
24,756
24,826
27,262
27,267
27,278
27,356
27,402
27,413
27,432
27,567
27,817
28,074
30,820
31,167
31,261
31,318
31,913
31,997
32,200
32,218
32,252
32,412
32,483
32,526
32,617
32,751
32,791
32,836
32,986
33,519
33,634
33,818
34,722
34,882
34,922
34,948
35,012
35,258
35,301
35,330
35,459
35,45935,33035,30135,25835,01234,94834,92234,88234,72233,81833,63433,51932,98632,83632,79132,75132,61732,52632,48332,41232,25232,21832,20031,99731,91331,31831,26131,16730,82028,07427,81727,56727,43227,41327,40227,35627,27827,26727,26224,82624,75624,74224,71018,53118,50718,50711,39511,39511,39511,00029,36108,3980
   Retained Earnings Total Equity
0
0
0
0
11,312
0
0
0
0
38,314
45,503
53,729
61,997
71,008
79,144
43,581
55,245
68,421
82,373
93,422
107,731
124,511
140,924
158,292
176,929
193,698
215,830
235,938
240,076
258,076
279,942
299,990
302,404
316,651
328,476
334,157
357,608
381,519
319,529
338,665
385,750
438,581
438,802
496,844
607,085
705,732
780,628
837,147
898,511
0
974,399
1,018,406
0
0
001,018,406974,3990898,511837,147780,628705,732607,085496,844438,802438,581385,750338,665319,529381,519357,608334,157328,476316,651302,404299,990279,942258,076240,076235,938215,830193,698176,929158,292140,924124,511107,73193,42282,37368,42155,24543,58179,14471,00861,99753,72945,50338,314000011,3120000
   Accumulated Other Comprehensive Income 
0
0
0
2,016
2,000
-245
-325
-159
879
1,064
354
-3,530
-3,537
-8,118
-3,598
-2,220
-3,020
-122
-1,047
-4,114
-5,405
-7,984
-5,333
-427
774
-4,892
-4,872
5,364
377
-359
-26,188
-33,997
-20,253
-22,663
-14,919
-9,993
-8,174
-1,250
-30,175
-9,965
-15,751
-5,764
5,391
5,266
1,488
-4,980
-62,548
-124,881
-156,126
-163,096
-156,276
-168,176
-149,812
-136,569
-136,569-149,812-168,176-156,276-163,096-156,126-124,881-62,548-4,9801,4885,2665,391-5,764-15,751-9,965-30,175-1,250-8,174-9,993-14,919-22,663-20,253-33,997-26,188-3593775,364-4,872-4,892774-427-5,333-7,984-5,405-4,114-1,047-122-3,020-2,220-3,598-8,118-3,537-3,5303541,064879-159-325-2452,0002,016000
   Capital Surplus 
0
0
0
0
122,413
0
0
0
0
212,090
213,022
305,364
306,183
307,231
308,820
353,371
354,561
355,822
357,523
359,455
360,903
362,607
364,647
367,843
374,727
427,008
428,454
428,488
429,633
422,096
424,099
428,796
431,205
434,314
436,713
439,067
441,499
444,218
446,840
450,665
452,965
455,592
515,318
519,294
525,894
542,391
542,402
545,670
549,066
0
552,255
555,737
0
0
00555,737552,2550549,066545,670542,402542,391525,894519,294515,318455,592452,965450,665446,840444,218441,499439,067436,713434,314431,205428,796424,099422,096429,633428,488428,454427,008374,727367,843364,647362,607360,903359,455357,523355,822354,561353,371308,820307,231306,183305,364213,022212,0900000122,4130000
   Treasury Stock000-122,4100-77,262-77,262-55,752-49,442-21,780-21,780-21,780-21,780-21,780-21,780-21,780-21,780-21,780-21,780-21,780-21,209-8,233-8,233-8,233-8,233-8,233-8,233-8,233-8,233-8,233-8,233-8,233-8,233-8,233-8,233-8,254-8,254-8,254-8,254-8,254-8,254-500-500-500-500-500-500-500-50000000
   Other Stockholders Equity 
0
0
0
112,386
122,963
122,102
122,630
123,368
211,368
211,590
212,522
304,864
305,683
298,977
300,566
345,117
346,307
347,568
349,269
351,222
352,670
354,374
356,414
359,610
366,494
418,775
420,221
420,255
421,400
413,863
415,866
420,563
422,972
413,105
414,933
417,287
419,719
422,438
425,060
428,885
431,185
433,812
493,538
497,514
504,114
492,949
486,650
468,408
471,804
469,117
429,845
433,327
436,936
442,128
442,128436,936433,327429,845469,117471,804468,408486,650492,949504,114497,514493,538433,812431,185428,885425,060422,438419,719417,287414,933413,105422,972420,563415,866413,863421,400420,255420,221418,775366,494359,610356,414354,374352,670351,222349,269347,568346,307345,117300,566298,977305,683304,864212,522211,590211,368123,368122,630122,102122,963112,386000



Balance Sheet

Currency in USD. All numbers in thousands.




Cash Flow

Currency in USD. All numbers in thousands.




Income Statement

Currency in USD. All numbers in thousands.


Latest Income Statement (annual, 2023-12-31)

Gross Profit (+$)
totalRevenue1,367,360
Cost of Revenue-70,565
Gross Profit1,367,3601,296,795
 
Operating Income (+$)
Gross Profit1,367,360
Operating Expense-3,095
Operating Income330,7401,364,265
 
Operating Expense (+$)
Research Development0
Selling General Administrative134,171
Selling And Marketing Expenses3,095
Operating Expense3,095137,266
 
Net Interest Income (+$)
Interest Income1,291,092
Interest Expense-679,911
Other Finance Cost-38,899
Net Interest Income650,080
 
Pretax Income (+$)
Operating Income330,740
Net Interest Income650,080
Other Non-Operating Income Expenses0
Income Before Tax (EBT)330,7400
EBIT - interestExpense = -349,171
330,740
930,054
Interest Expense679,911
Earnings Before Interest and Taxes (EBIT)330,7401,010,651
Earnings Before Interest and Taxes (EBITDA)362,096
 
After tax Income (+$)
Income Before Tax330,740
Tax Provision-65,937
Net Income From Continuing Ops216,762264,803
Net Income250,143
Net Income Applicable To Common Shares0
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses3,095
Total Other Income/Expenses Net330,740-650,080
 

Technical Analysis of Customers Bancorp Inc
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Customers Bancorp Inc. The general trend of Customers Bancorp Inc is BULLISH with 85.7% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Customers Bancorp Inc's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (85.7%) Bearish trend (-85.7%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Customers Bancorp Inc.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is 0/(-1 +1).

  • Between support/resistance: The price is trading between support and resistance lines.

The bullish price targets are: 56.88 < 57.03 < 60.09.

The bearish price targets are: 48.14 > 47.90 > 46.63.

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Customers Bancorp Inc Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Customers Bancorp Inc. The current mas is .

The long score for the Moving Averages is 13/14.
The longshort score for the Moving Averages is 12/(-14 +14).

  • MA 20 trending down: The MA 20 is trending down. -1
  • Close > MA 20: The price is above the MA 20. +1
  • MA 20 > MA 50: The MA 20 is higher than the MA 50. +1
  • MA 20 > MA 100: The MA 20 is higher than the MA 100. +1
  • MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
  • MA 50 trending up: The MA 50 is trending up. +1
  • Close > MA 50: The price is above the MA 50. +1
  • MA 50 > MA 100: The MA 50 is higher than the MA 100. +1
  • MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
  • MA 100 trending up: The MA 100 is trending up. +1
  • Close > MA 100: The price is above the MA 100. +1
  • MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close > MA 200: The price is above the MA 200. +1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Customers Bancorp Inc Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Customers Bancorp Inc. The current macd is -0.15952677.

The long score for the Moving Average Convergence/Divergence (MACD) is 3/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is 2/(-4 +4).

  • MACD line > signal line: The MACD line is above the signal line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Customers Bancorp Inc price going up in the near term. +2
  • MACD < 0: The MACD is below the zero line (centerline), it indicates a bearish signal for Customers Bancorp Inc. This means that the short-term moving average is lower than the long-term moving average, signaling negative momentum and suggesting a higher likelihood of the Customers Bancorp Inc price continuing to fall in the near future. It indicates that sellers are gaining control, and there is negativism in the market, leading to potential price decreases. -1
  • Trending up: The MACD line is trending up. This indicates that the short-term moving average is rising faster than the long-term moving average, suggesting positive momentum in the market. This signals that buyers are becoming more active and confident, leading to potential price increases as traders anticipate further gains and are willing to buy at higher prices. +1
Customers Bancorp Inc Daily Moving Average Convergence/Divergence (MACD) ChartCustomers Bancorp Inc Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Customers Bancorp Inc. The current adx is 11.71.

The long score for the Directional Movement Index (DMI) is 0/7.
The longshort score for the Directional Movement Index (DMI) is -1/(-7 +7).

  • PLUS_ID < MINUS_DI: The +DI line is below the -DI line. This indicates a bearish signal in the market, as the negative directional movement is currently stronger than the positive directional movement, showing that sellers have the upper hand. Market psychology suggests that traders are pessimistic, expecting further price decreases, and are more willing to sell Customers Bancorp Inc shares, leading to potential downward momentum in its price. -1
  • PLUS_ID < MINUS_DI && ADX < 25 && ADX trending down: The ADX is below 25 and indicates a weak or no trend. Also, the ADX is declining so there is no trend indication.
Customers Bancorp Inc Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Customers Bancorp Inc. The current sar is 54.33.

The long score for the Parabolic SAR is 0/1.
The longshort score for the Parabolic SAR is -1/(-1 +1).

  • Close < SAR: The price is below the SAR. It's generally considered a bearish signal. -1
Customers Bancorp Inc Daily Parabolic SAR Chart

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Customers Bancorp Inc. The current rsi is 51.59. The current phase is Continuation in bull market.

The long score for the Relative Strength Index (RSI) is 4/13.
The longshort score for the Relative Strength Index (RSI) is 4/(-13 +13).

  • Continuation in bull market: Uptrend continues after a consolidation or pullback. Hold or add to existing positions.
  • Trending up: The RSI is trending up. +1
Customers Bancorp Inc Daily Relative Strength Index (RSI) ChartCustomers Bancorp Inc Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Customers Bancorp Inc. The current phase is Continuation in bull market.

The long score for the Stochastic Oscillator is 4/6.
The longshort score for the Stochastic Oscillator is 4/(-6 +6).

  • STOCH > 50: The STOCH %K is above 50. There are more buyers than sellers. +1
  • STOCH %K line > STOCH %D line: The STOCH %K line is above the STOCH %D line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Customers Bancorp Inc price going up in the near term. +2
  • Trending up: The STOCH %K is trending up. +1
Customers Bancorp Inc Daily Stochastic Oscillator ChartCustomers Bancorp Inc Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Customers Bancorp Inc. The current cci is -13.68987451.

Customers Bancorp Inc Daily Commodity Channel Index (CCI) ChartCustomers Bancorp Inc Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Customers Bancorp Inc. The current cmo is 6.06184338.

The long score for the Chande Momentum Oscillator (CMO) is 1/1.
The longshort score for the Chande Momentum Oscillator (CMO) is 1/(-1 +1).

  • CMO > 0: The CMO is above 0, the momentum of the price is positive, indicating a potential uptrend in the price. +1
Customers Bancorp Inc Daily Chande Momentum Oscillator (CMO) ChartCustomers Bancorp Inc Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Customers Bancorp Inc. The current willr is -44.43207127.

The long score for the Williams %R is 0/1.
The longshort score for the Williams %R is 0/(-1 +1).

  • WILLR between -80 and -20: The Williams %R is between -80 and -20. This indicates that Customers Bancorp Inc is trading in a neutral price range, neither oversold nor overbought, suggesting a balanced market condition without any extreme price signals.
Customers Bancorp Inc Daily Williams %R ChartCustomers Bancorp Inc Daily Williams %R Chart

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of Customers Bancorp Inc.

Customers Bancorp Inc Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Customers Bancorp Inc. The current atr is 2.08712127.

Customers Bancorp Inc Daily Average True Range (ATR) ChartCustomers Bancorp Inc Daily Average True Range (ATR) Chart

5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Customers Bancorp Inc. The current obv is -13,910,515.

Customers Bancorp Inc Daily On-Balance Volume (OBV) ChartCustomers Bancorp Inc Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Customers Bancorp Inc. The current mfi is 36.99.

The long score for the Money Flow Index (MFI) is 0/2.
The longshort score for the Money Flow Index (MFI) is -1/(-2 +2).

  • MFI < 50: -1
Customers Bancorp Inc Daily Money Flow Index (MFI) ChartCustomers Bancorp Inc Daily Money Flow Index (MFI) Chart

6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Customers Bancorp Inc.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2023-11-06STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-08RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2023-11-13STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-14WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-16RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-17STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-20RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2023-11-21STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-23STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-24MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-28SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2023-11-29STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-11-30STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-01SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-04MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2023-12-05RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-08STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-12-11STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-12MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2023-12-13MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-14ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-15STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-18STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-19BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-20STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-22STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-28STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-29RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2024-01-02MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2024-01-03CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-04WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-01-08STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-09STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-10STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-11CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-01-12STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-17DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-18DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2024-01-22SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-01-25STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-01-26STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-01-29MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2024-01-30BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2024-01-31STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-01MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2024-02-05CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-02-06WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-02-07STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-08WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-02-12DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-02-13DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-02-14DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-02-15MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2024-02-20STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-21DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-02-22DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-02-28STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-29STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-03-01DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2024-03-04DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-03-05CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-03-06STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2024-03-08STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-12MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-03-13SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2024-03-14DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-03-15STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-20DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-21MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2024-03-22MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-03-25MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-03-26MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-03-27MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside

6.3. Candlestick Patterns

Customers Bancorp Inc Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of Customers Bancorp Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5051.594
Ma 20Greater thanMa 5052.649
Ma 50Greater thanMa 10052.647
Ma 100Greater thanMa 20051.088
OpenGreater thanClose52.020
Total4/5 (80.0%)
Penke

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