Pricing Log in Create free account

Customers Bancorp, Inc (CUBI) vs Provident Financial Services, Inc (PFS)

Customers Bancorp, Inc and Provident Financial Services, Inc are both Banks Regional companies. Customers Bancorp, Inc and Provident Financial Services, Inc are of similar size ($3.0B and $2.8B). Provident Financial Services, Inc trades at the lower P/E: 9.7× against 9.9×. Customers Bancorp, Inc grew revenue faster over the last twelve months: 12.4% against 4.50%. Provident Financial Services, Inc has the higher net margin (21.7% vs 18.8%) and the lower return on invested capital (4.82% vs 26.9%). Across the 17 metrics below, Provident Financial Services, Inc leads on 11 and Customers Bancorp, Inc on 6.

Valuation

Metric CUBI PFS Banks Regional median
P/E 9.91 9.67 12.02
P/S 1.85 2.10 2.36
P/B 1.30 1.05 1.23
Price to free cash flow 7.78 8.50 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.09% 10.34% 8.21%
Free cash flow yield 12.86% 11.76% 9.23%

Profitability

Metric CUBI PFS Banks Regional median
Gross margin 60.39% 64.76% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.82% 21.73% 18.82%
Free cash flow margin 0.00% 0.00% 17.97%
Return on equity 13.68% 11.01% 10.28%
Return on assets 1.12% 1.22% 1.13%
Return on invested capital 26.92% 4.82% 8.45%

Growth

Metric CUBI PFS Banks Regional median
Revenue growth (TTM) 12.41% 4.50% 6.37%
EPS growth (last fiscal year) 22.99% 112.38% 18.85%
Revenue growth, 5-year CAGR 18.65% 25.98% 12.65%
Net income growth, 5-year CAGR 12.03% 24.60% 9.81%

Health

Metric CUBI PFS Banks Regional median
Debt to equity 1.05 1.00 0.17
Current ratio 0.96 1.03 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CUBI PFS Banks Regional median
Dividend yield — 4.17% 2.49%
Payout ratio — 0.40 0.29

Size

Metric CUBI PFS Banks Regional median
Market cap 2.81b 2.99b 934.85m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack