Definitive Analysis
Definitive Analysis

Financial Statements

Company Industry Sector

Fundamentals

Margins Returns Growth Rates Metrics/Ratios

Valuations

Projections DCF DDM EPV Multiples Valuations

Miscellaneous

Indicators Charts WACC Beta Predictability

Analysis Mode

Ticker

Industry

Sector

Customers Bancorp, Inc 5.375% S (CUBB)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$58.34 - $94.75$74.67
Multi-Stage$123.28 - $135.82$129.43
Blended Fair Value$102.05
Current Price$21.45
Upside375.74%
DecisionBuy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS0.93%0.00%0.460.450.280.330.430.440.440.440.280.07
YoY Growth--3.49%56.94%-13.91%-23.04%-2.65%0.00%0.00%59.75%291.14%0.00%
Dividend Yield--2.35%2.26%1.75%1.31%1.67%2.22%1.76%1.76%1.10%0.28%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)176.51
(-) Cash Dividends Paid (M)22.14
(=) Cash Retained (M)154.37
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)35.3022.0613.24
Cash Retained (M)154.37154.37154.37
(-) Cash Required (M)-35.30-22.06-13.24
(=) Excess Retained (M)119.07132.31141.14
(/) Shares Outstanding (M)32.7732.7732.77
(=) Excess Retained per Share3.634.044.31
LTM Dividend per Share0.680.680.68
(+) Excess Retained per Share3.634.044.31
(=) Adjusted Dividend4.314.714.98
WACC / Discount Rate6.24%6.24%6.24%
Growth Rate-1.07%-0.07%0.93%
Fair Value$58.34$74.67$94.75
Upside / Downside171.96%248.10%341.71%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)176.51176.39176.28176.16176.05175.93181.21
Payout Ratio12.54%28.03%43.52%59.02%74.51%90.00%92.50%
Projected Dividends (M)22.1449.4576.72103.96131.17158.34167.62

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate6.24%6.24%6.24%
Growth Rate-1.07%-0.07%0.93%
Year 1 PV (M)46.0846.5447.01
Year 2 PV (M)66.6267.9769.34
Year 3 PV (M)84.1286.7089.33
Year 4 PV (M)98.90102.96107.14
Year 5 PV (M)111.24116.98122.95
PV of Terminal Value (M)3,633.123,820.484,015.49
Equity Value (M)4,040.084,241.634,451.26
Shares Outstanding (M)32.7732.7732.77
Fair Value$123.28$129.43$135.82
Upside / Downside474.71%503.38%533.20%

High-Yield Dividend Screener

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