DDM Analysis: CUBB

Valuation Snapshot

Stable Growth	$65.53 - $111.63	$85.56
Multi-Stage	$165.78 - $182.80	$174.12
Blended Fair Value	$129.84
Current Price	$21.45
Upside	505.31%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	0.93%	0.00%	0.46	0.45	0.28	0.33	0.43	0.44	0.44	0.44	0.28	0.07
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

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	35.30	22.06	13.24
Cash Retained (M)	154.37	154.37	154.37
(-) Cash Required (M)	-35.30	-22.06	-13.24
(=) Excess Retained (M)	119.07	132.31	141.14
(/) Shares Outstanding (M)	32.77	32.77	32.77
(=) Excess Retained per Share	3.63	4.04	4.31
LTM Dividend per Share	0.68	0.68	0.68
(+) Excess Retained per Share	3.63	4.04	4.31
(=) Adjusted Dividend	4.31	4.71	4.98
WACC / Discount Rate	5.44%	5.44%	5.44%
Growth Rate	-1.07%	-0.07%	0.93%
Fair Value	$65.53	$85.56	$111.63
Upside / Downside	205.52%	298.86%	420.42%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	176.51	176.39	176.28	176.16	176.05	175.93	181.21
Payout Ratio	12.54%	28.03%	43.52%	59.02%	74.51%	90.00%	92.50%
Projected Dividends (M)	22.14	49.45	76.72	103.96	131.17	158.34	167.62

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	5.44%	5.44%	5.44%
Growth Rate	-1.07%	-0.07%	0.93%
Year 1 PV (M)	46.43	46.90	47.37
Year 2 PV (M)	67.64	69.01	70.40
Year 3 PV (M)	86.06	88.69	91.38
Year 4 PV (M)	101.94	106.13	110.44
Year 5 PV (M)	115.54	121.50	127.70
PV of Terminal Value (M)	5,015.60	5,274.26	5,543.48
Equity Value (M)	5,433.21	5,706.49	5,990.78
Shares Outstanding (M)	32.77	32.77	32.77
Fair Value	$165.78	$174.12	$182.80
Upside / Downside	672.89%	711.76%	752.20%

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Customers Bancorp, Inc 5.375% S (CUBB)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

High-Yield Dividend Screener