Value
8.6/10data confidence 83%| Component | Sub-score |
|---|---|
| P/E | 9.1 |
| P/S | 8.2 |
| Fwd P/E | 9.6 |
| PEG | 10.0 |
| Analyst target | 6.0 |
- ▸Forward P/E: 7.7x
- ▸PEG: 0.01
- ▸Attractively valued
CUBI · Why this verdict
Why Customers Bancorp (CUBI) is rated HOLD
Updated
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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VerdictHOLD
Overall score6.7/10
ConfidenceHIGH
MacroRISK_OFF
Per-dimension breakdown
Quality
5.8/10data confidence 100%| Component | Sub-score |
|---|---|
| ROE | 4.7 |
| ROA | 0.8 |
| Gross margin | 0.0 |
| Op margin | 10.0 |
| Net margin | 10.0 |
| Moat | 5.9 |
| Piotroski F | 8.9 |
- ▸Strong margins: 35%
- ▸Strong Piotroski F-Score: 8/9
Growth
10.0/10data confidence 33%| Component | Sub-score |
|---|---|
| Rev growth | 10.0 |
- ▸Strong growth: 76% YoY
Momentum
3.6/10data confidence 100%| Component | Sub-score |
|---|---|
| RSI | 5.5 |
| MACD | 0.5 |
| OBV | 4.9 |
| MA position | 4.0 |
| Volume | 2.9 |
- ▸Above 200-day MA
Sentiment
5.9/10data confidence 100%| Component | Sub-score |
|---|---|
| Analyst rating | 5.0 |
| Price target | 7.9 |
| erm sentiment | 5.0 |
- ▸Analyst upside: 22%
Insider
3.8/10data confidence 75%| Component | Sub-score |
|---|---|
| materiality | 3.0 |
| insider conviction | 3.5 |
| holder change | 5.0 |
- ▸Notable insider selling — $8,346,905 (0.334% of mkt cap)
Peer rank
7.6/10data confidence 80%| Component | Sub-score |
|---|---|
| value rank | 8.3 |
| quality rank | 7.7 |
| growth rank | 9.6 |
- ▸Attractive P/E vs peers
- ▸Superior ROE vs peers
Technical
6.8/10data confidence 100%| Component | Sub-score |
|---|---|
| bollinger | 6.0 |
| support resistance | 6.4 |
| 52w position | 7.9 |
Risk (lower is worse)
5.5/10data confidence 100%| Component | Sub-score |
|---|---|
| short interest | 5.0 |
| days to cover | 3.7 |
| volatility | 5.8 |
| put call | 10.0 |
| implied vol | 3.5 |
| beta | 5.0 |
- ▸Concentration risks: 1 HIGH, 1 MED (10-K Item 1A — sized via position_sizing, validated via buy_confidence)
Catalyst
6.8/10data confidence 100%| Component | Sub-score |
|---|---|
| erm | 5.0 |
| earnings history | 10.0 |
| earnings timing | 5.0 |
| surprise avg | 7.2 |
- ▸Perfect beat streak: 4Q
How the verdict was assembled
Engine trigger
Maintain position. Not compelling to add more.
Engine technical detail
verdict_path:
L4:PATH_F_HOLDPassed (5)
- INSIDER:OK
- NEWS_EVENTS:NONE_RECENT
- EARNINGS_PROXIMITY:46d clear
- SEMI_CYCLE_PEAK:CLEAR
- MATERIALS_CYCLE_PEAK:CLEAR
Failed (2)
- MOMENTUM:3.6<4.5
- ASYMMETRY:1.2<1.5@spot
Warning (1)
- 8K_CSUITE_CHANGE:5.02 (officer departure/appointment)
Reward-to-Risk
1.16
Upside
+6.2%
Downside
5.4%
Sizing output
AVOID
SetupRANGE_BOUND — RSI 54 mid-range, Bollinger mid-band
EdgeNO_EDGE — No clear edge identified
SuitabilityAGGRESSIVE — Beta 1.50>1.3, MCap $2.5B<$5B
Investment implication
None of the engine's positive-conviction paths (C-quality, D-momentum) triggered — the F-path HOLD reflects balanced signals. Strongest-cleared gate: INSIDER:OK. Top dim: Growth at 10.0; weakest: Momentum at 3.6. No conviction either direction.
The strongest dimensions are Growth at 10.0, Value at 8.6, and Peer rank at 7.6; the weakest are Momentum at 3.6, Insider at 3.8, and Risk (lower is worse) at 5.5. The V9 engine flagged 2 failed gates with 1 warning, producing an asymmetric reward-to-risk of 1.16 and an engine sizing output of AVOID.