Columbia Financial (CLBK) vs Customers Bancorp, Inc (CUBI)

Columbia Financial and Customers Bancorp, Inc are both Banks Regional companies. Columbia Financial and Customers Bancorp, Inc are of similar size ($3.0B and $2.8B). Customers Bancorp, Inc trades at the lower P/E: 9.9× against 32.8×. Customers Bancorp, Inc has the higher net margin (18.8% vs 11.2%) and the higher return on invested capital (26.9% vs 3.82%). Across the 17 metrics below, Customers Bancorp, Inc leads on 12 and Columbia Financial on 5.

Valuation

Metric CLBK CUBI Banks Regional median
P/E 32.76 9.91 12.02
P/S 2.14 1.85 2.36
P/B 0.93 1.30 1.23
Price to free cash flow 16.21 7.78 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3.05% 10.09% 8.21%
Free cash flow yield 6.17% 12.86% 9.23%

Profitability

Metric CLBK CUBI Banks Regional median
Gross margin 53.31% 60.39% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 11.19% 18.82% 18.82%
Free cash flow margin 13.23% 0.00% 17.97%
Return on equity 5.02% 13.68% 10.28%
Return on assets 0.51% 1.12% 1.13%
Return on invested capital 3.82% 26.92% 8.45%

Growth

Metric CLBK CUBI Banks Regional median
Revenue growth (TTM) 12.41% 12.41% 6.37%
EPS growth (last fiscal year) 563.60% 22.99% 18.85%
Revenue growth, 5-year CAGR 9.21% 18.65% 12.65%
Net income growth, 5-year CAGR (2.11%) 12.03% 9.81%

Health

Metric CLBK CUBI Banks Regional median
Debt to equity 1.02 1.05 0.17
Current ratio 0.98 0.96 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CLBK CUBI Banks Regional median
Dividend yield 0.45% — 2.49%
Payout ratio 0.15 — 0.29

Size

Metric CLBK CUBI Banks Regional median
Market cap 2.97b 2.81b 934.85m

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