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Customers Bancorp, Inc (CUBI) vs NBT Bancorp Inc. (NBTB)

Customers Bancorp, Inc and NBT Bancorp Inc. are both Banks Regional companies. Customers Bancorp, Inc and NBT Bancorp Inc. are of similar size ($2.8B and $2.8B). Customers Bancorp, Inc trades at the lower P/E: 9.9× against 12.7×. Customers Bancorp, Inc grew revenue faster over the last twelve months: 12.4% against 9.61%. NBT Bancorp Inc. has the higher net margin (22.9% vs 18.8%) and the lower return on invested capital (9.91% vs 26.9%). Across the 17 metrics below, Customers Bancorp, Inc leads on 13 and NBT Bancorp Inc. on 4.

Valuation

Metric CUBI NBTB Banks Regional median
P/E 9.91 12.66 12.02
P/S 1.85 2.88 2.36
P/B 1.30 1.41 1.23
Price to free cash flow 7.78 11.16 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.09% 7.90% 8.21%
Free cash flow yield 12.86% 8.96% 9.23%

Profitability

Metric CUBI NBTB Banks Regional median
Gross margin 60.39% 78.94% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.82% 22.87% 18.82%
Free cash flow margin 0.00% 0.00% 17.97%
Return on equity 13.68% 0.00% 10.28%
Return on assets 1.12% 1.34% 1.13%
Return on invested capital 26.92% 9.91% 8.45%

Growth

Metric CUBI NBTB Banks Regional median
Revenue growth (TTM) 12.41% 9.61% 6.37%
EPS growth (last fiscal year) 22.99% 12.12% 18.85%
Revenue growth, 5-year CAGR 18.65% 12.88% 12.65%
Net income growth, 5-year CAGR 12.03% 10.15% 9.81%

Health

Metric CUBI NBTB Banks Regional median
Debt to equity 1.05 0.08 0.17
Current ratio 0.96 0.87 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CUBI NBTB Banks Regional median
Dividend yield — 2.85% 2.49%
Payout ratio — 0.36 0.29

Size

Metric CUBI NBTB Banks Regional median
Market cap 2.81b 2.75b 934.85m

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