Also trades as: CUBI-PE (NYSE) · $vol 2M · CUBI-PF (NYSE) · $vol 0M

$75.15

-0.54 (-0.71%)

Weekly Expected Move ±4.5%

$66 $69 $72 $76 $79

NYSE · Financial Services · Banks - Regional · Alpha Radar Neutral · Power 59 · $2.5B mcap · 32M float · 1.20% daily turnover · Short 74% of daily vol

Overview News Chart Smart Money Financials Income Statement Cash Flow Balance Sheet Earnings

Dividends Analysis Technicals Weather Peers ESG Institutions ETF Exposure Dark Pool Short Interest

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

NO EDGE

39.1 / 100

NoneWeakNarrowWide

Primary source: Network Effects · ROIC: 7.9% · 5Y Avg: 8.3%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. CUBI has No discernible competitive edge (39.1/100). The business operates without significant structural advantages. The primary source of advantage is Network Effects. ROIC of 7.9% suggests modest returns relative to capital deployed.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

$86

Low

$90

Avg Target

$93

High

Based on 2 analysts since Apr 23, 2026 earnings

Analyst Recommendations

Strong Buy: 1Buy: 8Hold: 8Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$89.50

Analysts2

Consensus Change History

Date	Field	From	To
2026-04-30	consensus	Hold	Buy

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-04-27	D.A. Davidson	Peter Winter	$95	$93	-2	+21.2%	$76.75
2026-04-27	Piper Sandler	Manuel Navas	Initiated	$86	—	+15.6%	$74.38
2026-02-06	Stephens	Matt Breese	$68	$71	+3	-7.4%	$76.70
2026-01-26	D.A. Davidson	—	$88	$95	+7	+23.5%	$76.91
2026-01-26	Maxim Group	—	Initiated	$100	—	+30.1%	$76.89
2026-01-06	Raymond James	Steve Moss	$70	$95	+25	+24.7%	$76.18
2025-12-08	Morgan Stanley	—	Initiated	$90	—	+26.8%	$70.95
2025-10-28	Stephens	Matt Breese	$52	$68	+16	-0.4%	$68.29
2025-10-27	D.A. Davidson	—	$79	$88	+9	+24.2%	$70.83
2025-09-24	National Bank	—	Initiated	$89	—	+35.2%	$65.83
2024-10-02	Raymond James	Steve Moss	Initiated	$70	—	+57.8%	$44.37
2024-07-30	D.A. Davidson	Peter Winter	Initiated	$79	—	+26.6%	$62.39
2022-08-02	Stephens	—	Initiated	$52	—	+39.4%	$37.31

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

B+

May 22, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. CUBI receives an overall rating of B+. Strongest factors: ROE (4/5). Areas of concern: D/E (2/5).

Rating Change History

Date	From	To
2026-04-30	A-	B+
2026-04-27	C-	A-
2026-04-23	B+	C-
2026-04-01	B-	B+
2026-03-24	B	B-
2026-03-02	B-	B
2026-02-04	B+	B-
2026-02-04	B	B+
2026-01-26	C-	B
2026-01-23	B	C-

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 61 Grade A

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. CUBI scores highest in Momentum (94/100) and lowest in Balance Sheet (24/100). An overall grade of A places CUBI among the highest-quality companies in its peer group.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

1.82

Grey Zone

Piotroski F-Score

7/9

✓ ✓ ✓ ✓ ✓ ✗ ✗ ✓ ✓

Beneish M-Score

-2.87

Unlikely Manipulator

Ohlson O-Score

2.32

Bankruptcy prob: 91.0%

High Risk

Credit Rating

BBB-

Score: 53.0/100

Trend: Stable

Earnings Quality

100/100

OCF/NI: 1.55x

Accruals: -0.7%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. CUBI scores 1.82, placing it in the Grey Zone (safe > 3.0, distress < 1.5). Financial distress is possible and warrants monitoring. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. CUBI scores 7/9, signaling strong financial health across all three dimensions. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. CUBI's score of -2.87 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. CUBI's implied 91.0% bankruptcy probability signals significant financial distress. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. CUBI receives an estimated rating of BBB- (score: 53.0/100), with a stable trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). CUBI's score of 100/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

9.12x

PEG

0.09x

P/S

1.70x

P/B

1.19x

P/FCF

8.31x

P/OCF

5.63x

EV/EBITDA

9.55x

EV/Revenue

2.73x

EV/EBIT

10.52x

EV/FCF

13.88x

Earnings Yield

11.46%

FCF Yield

12.04%

Shareholder Yield

7.86%

Graham Number

$103.53

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 9.1x earnings, CUBI trades at a deep value multiple. An earnings yield of 11.5% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $103.53 per share, suggesting a potential 38% margin of safety at the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.766

NI / EBT

Interest Burden

0.943

EBT / EBIT

EBIT Margin

0.260

EBIT / Rev

Asset Turnover

0.064

Rev / Assets

Equity Multiplier

11.944

Assets / Equity

ROE

14.2%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. CUBI's ROE of 14.2% is driven by financial leverage (equity multiplier: 11.94x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Adj. Growth Rate

7.86%

Fair P/E

24.22x

Intrinsic Value

$192.58

Price/Value

0.36x

Margin of Safety

63.96%

Premium

-63.96%

Assessment

Undervalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with CUBI's realized 7.9% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $192.58, CUBI appears undervalued with a 64% margin of safety. The adjusted fair P/E of 24.2x compares to the current market P/E of 9.1x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$75.20

Median 1Y

$78.90

5th Pctile

$30.18

95th Pctile

$206.31

Ann. Volatility

55.3%

Analyst Target

$89.50

25th–75th percentile 5th–95th percentile Median path Historical Analyst target

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

300

0.0% YoY

Revenue / Employee

$4,715,200

Rev: $1,414,560,000

Profit / Employee

$746,960

NI: $224,088,000

SGA / Employee

$745,290

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
ROE	18.9%	24.9%	25.3%	28.6%	28.4%	24.2%	16.5%	14.8%	14.0%	15.7%	16.4%	16.2%	16.9%	14.2%	10.4%	8.3%	8.5%	10.2%	11.3%	14.2%	14.21%
ROA	1.4%	1.8%	1.7%	1.9%	1.9%	1.6%	1.1%	1.0%	1.0%	1.1%	1.2%	1.2%	1.2%	1.0%	0.8%	0.7%	0.7%	0.8%	0.9%	1.2%	1.19%
ROIC	39.3%	49.8%	-19.8%	-19.9%	-19.8%	-16.9%	-24.4%	-21.9%	-20.7%	-23.2%	-8.1%	-7.9%	-8.3%	-7.0%	-7.1%	-5.7%	-5.8%	-6.9%	6.4%	7.9%	7.93%
ROCE	5.4%	6.9%	24.9%	25.1%	24.9%	20.9%	13.2%	11.9%	11.5%	12.8%	9.7%	9.7%	9.9%	8.0%	6.7%	5.1%	5.1%	6.8%	3.4%	4.3%	4.26%
Gross Margin	84.8%	86.0%	84.4%	82.8%	73.0%	69.1%	38.4%	43.8%	44.8%	50.2%	48.2%	46.0%	49.0%	43.4%	41.5%	38.5%	51.3%	52.0%	61.1%	54.6%	54.58%
Operating Margin	45.1%	59.1%	52.4%	47.5%	37.9%	36.7%	13.6%	20.8%	20.0%	28.2%	23.3%	18.7%	21.3%	13.7%	11.4%	4.2%	22.3%	25.9%	30.9%	24.4%	24.37%
Net Margin	33.9%	45.0%	45.8%	37.9%	28.6%	28.7%	10.9%	16.4%	13.9%	22.2%	17.2%	14.2%	16.1%	13.9%	8.6%	4.5%	17.2%	19.5%	19.2%	18.8%	18.79%
EBITDA Margin	48.1%	61.2%	54.9%	50.5%	41.4%	39.7%	16.3%	23.5%	22.3%	30.2%	25.4%	21.1%	23.1%	16.6%	14.3%	9.6%	25.6%	26.4%	33.9%	28.2%	28.21%
FCF Margin	47.3%	35.4%	28.4%	20.9%	13.3%	22.5%	-15.0%	-22.8%	-15.5%	-7.5%	5.9%	3.1%	-2.9%	-11.3%	5.9%	13.9%	25.5%	27.9%	23.8%	19.7%	19.68%
OCF Margin	51.4%	39.2%	32.4%	24.5%	19.3%	34.6%	-2.3%	-11.8%	-6.9%	-4.0%	8.8%	6.1%	0.3%	-7.6%	10.7%	19.9%	32.1%	37.8%	35.0%	29.1%	29.06%
ROE 3Y Avg	snapshot only																				12.06%
ROE 5Y Avg	snapshot only																				15.35%
ROA 3Y Avg	snapshot only																				0.98%
ROIC 3Y Avg	snapshot only																				5.91%
ROIC Economic	snapshot only																				7.86%
Cash ROA	snapshot only																				1.75%
Cash ROIC	snapshot only																				11.59%
CROIC	snapshot only																				7.85%
NOPAT Margin	snapshot only																				19.87%
Pretax Margin	snapshot only																				24.47%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				14.97%
SBC / Revenue	snapshot only																				1.33%

Valuation

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
P/E Ratio	6.43	5.39	7.13	5.04	3.23	3.27	4.11	2.92	4.93	5.11	7.49	7.08	6.11	7.03	8.73	11.28	12.89	12.39	11.55	8.73	9.120
P/S Ratio	1.88	1.83	2.68	2.08	1.29	1.15	1.05	0.59	0.83	0.84	1.32	1.21	1.07	1.08	1.16	1.26	1.47	1.63	1.83	1.63	1.695
P/B Ratio	1.18	1.30	1.64	1.31	0.83	0.72	0.67	0.43	0.68	0.79	1.14	1.06	0.96	0.93	0.86	0.89	1.04	1.19	1.22	1.16	1.194
P/FCF	3.97	5.19	9.42	9.97	9.68	5.12	-6.99	-2.58	-5.34	-11.14	22.47	38.90	-37.66	-9.54	19.84	9.05	5.79	5.85	7.68	8.31	8.307
P/OCF	3.65	4.68	8.27	8.50	6.67	3.33	—	—	—	—	15.02	19.73	314.98	—	10.93	6.32	4.59	4.32	5.23	5.63	5.626
EV/EBITDA	2.45	2.24	-1.97	-2.92	-4.33	-5.49	-4.40	-5.93	-4.85	-3.91	-7.91	-8.35	-8.66	-10.58	-10.90	-13.05	-11.40	-8.33	12.04	9.55	9.553
EV/Revenue	1.17	1.21	-1.09	-1.59	-2.28	-2.56	-1.57	-1.70	-1.19	-0.93	-2.02	-2.08	-2.17	-2.29	-2.07	-2.13	-1.93	-1.65	2.99	2.73	2.731
EV/EBIT	2.59	2.37	-2.07	-3.07	-4.57	-5.87	-4.81	-6.60	-5.43	-4.35	-8.67	-9.15	-9.43	-11.82	-12.53	-16.18	-14.44	-9.73	13.62	10.52	10.521
EV/FCF	2.47	3.41	-3.83	-7.61	-17.16	-11.38	10.44	7.48	7.71	12.36	-34.40	-66.93	76.18	20.18	-35.19	-15.35	-7.59	-5.91	12.56	13.88	13.877
Earnings Yield	15.6%	18.5%	14.0%	19.8%	30.9%	30.6%	24.3%	34.2%	20.3%	19.6%	13.3%	14.1%	16.4%	14.2%	11.4%	8.9%	7.8%	8.1%	8.7%	11.5%	11.46%
FCF Yield	25.2%	19.3%	10.6%	10.0%	10.3%	19.5%	-14.3%	-38.8%	-18.7%	-9.0%	4.4%	2.6%	-2.7%	-10.5%	5.0%	11.0%	17.3%	17.1%	13.0%	12.0%	12.04%
PEG Ratio	snapshot only																				0.093
Price/Tangible Book	snapshot only																				1.161
EV/OCF	snapshot only																				9.397
EV/Gross Profit	snapshot only																				4.981
Acquirers Multiple	snapshot only																				10.521
Shareholder Yield	snapshot only																				7.86%
Graham Number	snapshot only																				$103.53

Leverage & Solvency

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Current Ratio	0.16	0.16	0.25	0.25	0.25	0.25	0.19	0.19	0.19	0.19	0.37	0.37	0.37	0.37	0.32	0.32	0.32	0.32	0.01	0.01	0.011
Quick Ratio	0.16	0.16	0.25	0.25	0.25	0.25	0.19	0.19	0.19	0.19	0.37	0.37	0.37	0.37	0.32	0.32	0.32	0.32	0.01	0.01	0.011
Debt/Equity	1.26	1.26	0.86	0.86	0.86	0.86	0.79	0.79	0.79	0.79	0.92	0.92	0.92	0.92	0.77	0.77	0.77	0.77	0.81	0.81	0.806
Net Debt/Equity	-0.45	-0.45	-2.31	-2.31	-2.31	-2.31	-1.67	-1.67	-1.67	-1.67	-2.89	-2.89	-2.89	-2.89	-2.39	-2.39	-2.39	-2.39	0.78	0.78	0.777
Debt/Assets	0.08	0.08	0.06	0.06	0.06	0.06	0.05	0.05	0.05	0.05	0.07	0.07	0.07	0.07	0.06	0.06	0.06	0.06	0.07	0.07	0.069
Debt/EBITDA	4.22	3.28	2.55	2.52	2.53	2.98	3.47	3.77	3.88	3.52	4.16	4.20	4.12	4.96	5.47	6.66	6.44	5.32	4.85	3.98	3.979
Net Debt/EBITDA	-1.50	-1.16	-6.82	-6.75	-6.78	-7.96	-7.34	-7.97	-8.21	-7.44	-13.08	-13.21	-12.94	-15.58	-17.04	-20.75	-20.09	-16.57	4.67	3.83	3.834
Interest Coverage	2.74	3.83	4.61	5.16	4.72	2.51	1.11	0.65	0.47	0.44	0.49	0.48	0.49	0.40	0.33	0.26	0.27	0.37	0.51	0.64	0.642
Equity Multiplier	16.51	16.51	14.33	14.33	14.33	14.33	14.89	14.89	14.89	14.89	13.01	13.01	13.01	13.01	12.15	12.15	12.15	12.15	11.77	11.77	11.768
Cash Ratio	snapshot only																				0.004
Debt Service Coverage	snapshot only																				0.707
Cash to Debt	snapshot only																				0.036
FCF to Debt	snapshot only																				0.173
Defensive Interval	snapshot only																				139.7 days

Efficiency & Turnover

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Asset Turnover	0.05	0.05	0.04	0.05	0.05	0.04	0.04	0.05	0.06	0.07	0.07	0.07	0.07	0.07	0.06	0.06	0.06	0.06	0.06	0.06	0.064
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	11.83	13.41	9.71	9.97	10.25	9.85	8.30	9.47	10.73	12.28	11.93	12.11	12.28	11.83	12.20	11.63	11.56	12.01	13.35	14.15	14.147
Payables Turnover	0.90	0.84	0.61	0.66	0.80	0.96	1.34	1.96	2.51	3.03	6.54	6.58	6.54	6.51	—	—	—	—	—	—	—
DSO	31	27	38	37	36	37	44	39	34	30	31	30	30	31	30	31	32	30	27	26	25.8 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	405	437	597	555	459	381	273	186	145	120	56	56	56	56	0	0	0	0	0	0	—
Cash Conversion Cycle	-375	-410	-560	-519	-423	-344	-229	-148	-111	-91	-25	-25	-26	-25	30	31	32	30	27	26	—
Fixed Asset Turnover	snapshot only																				89.543
Cash Velocity	snapshot only																				24.164
Capital Intensity	snapshot only																				16.604

Growth (YoY)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue	22.8%	36.0%	37.0%	31.4%	26.3%	7.0%	6.7%	18.5%	30.8%	55.8%	58.9%	41.2%	26.3%	6.3%	-4.2%	-10.0%	-11.8%	-4.8%	3.9%	15.5%	15.54%
Net Income	1.5%	1.6%	1.4%	1.1%	72.0%	11.0%	-27.5%	-42.2%	-44.9%	-27.7%	9.7%	20.1%	32.4%	-0.1%	-27.5%	-41.2%	-42.5%	-18.5%	23.5%	94.1%	94.14%
EPS	1.4%	1.4%	1.2%	1.0%	72.9%	13.2%	-24.8%	-38.7%	-41.5%	-25.4%	11.6%	18.2%	27.9%	-1.9%	-27.5%	-40.6%	-42.0%	-20.2%	13.6%	78.6%	78.62%
FCF	3.9%	2.4%	1.3%	-43.6%	-64.5%	-31.9%	-1.6%	-2.3%	-2.5%	-1.5%	1.6%	1.2%	76.7%	-60.4%	-4.2%	3.0%	8.9%	3.3%	3.2%	63.8%	63.79%
EBITDA	1.3%	1.6%	1.2%	63.2%	39.7%	-7.6%	-31.2%	-37.2%	-38.8%	-20.7%	13.8%	22.4%	28.8%	-3.1%	-28.9%	-41.0%	-40.3%	-12.9%	36.3%	1.0%	1.02%
Op. Income	1.7%	1.8%	1.4%	66.9%	40.0%	-8.3%	-34.0%	-40.8%	-42.4%	-23.7%	13.5%	24.4%	32.4%	-3.6%	-32.2%	-47.9%	-48.7%	-16.7%	38.5%	1.3%	1.28%
OCF Growth	snapshot only																				68.88%
Asset Growth	snapshot only																				11.60%
Equity Growth	snapshot only																				15.18%
Debt Growth	snapshot only																				20.96%
Shares Change	snapshot only																				8.69%
Dividend Growth	snapshot only																				-50.14%

Growth (CAGR)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue 3Y	14.0%	19.2%	20.8%	21.7%	22.8%	18.1%	18.1%	22.2%	26.6%	31.3%	32.4%	30.1%	27.8%	21.0%	17.5%	14.7%	13.4%	16.4%	16.5%	13.7%	13.68%
Revenue 5Y	17.6%	17.6%	19.7%	18.5%	17.6%	16.4%	14.8%	17.2%	19.6%	23.1%	24.5%	24.7%	25.0%	22.2%	20.2%	18.4%	17.7%	18.1%	18.3%	18.0%	18.02%
EPS 3Y	36.5%	50.6%	60.0%	72.9%	89.6%	60.1%	40.4%	44.4%	34.2%	27.2%	22.9%	14.0%	9.0%	-6.1%	-15.3%	-24.5%	-24.3%	-16.4%	-2.8%	7.9%	7.86%
EPS 5Y	20.0%	24.9%	29.6%	31.3%	30.3%	30.5%	23.2%	21.5%	20.8%	23.6%	28.0%	30.2%	38.5%	24.6%	17.5%	16.2%	12.4%	10.0%	8.8%	9.5%	9.48%
Net Income 3Y	38.4%	53.0%	63.7%	77.9%	93.5%	62.7%	42.2%	45.2%	34.1%	27.8%	23.6%	14.0%	7.8%	-7.1%	-16.8%	-25.8%	-25.2%	-16.2%	-0.6%	11.1%	11.06%
Net Income 5Y	23.7%	28.7%	31.8%	32.5%	31.1%	31.1%	23.7%	21.6%	20.2%	23.5%	28.4%	31.3%	39.5%	25.5%	18.0%	16.6%	12.9%	11.2%	11.1%	11.1%	11.08%
EBITDA 3Y	36.1%	55.5%	63.9%	70.2%	81.8%	53.7%	36.6%	35.0%	25.8%	24.2%	20.4%	7.8%	3.2%	-10.8%	-17.7%	-23.2%	-22.2%	-12.5%	3.4%	13.5%	13.47%
EBITDA 5Y	23.1%	26.7%	25.6%	25.1%	25.0%	22.8%	18.8%	16.7%	16.6%	22.5%	28.1%	30.5%	36.5%	22.8%	15.6%	12.2%	8.9%	10.1%	11.1%	8.4%	8.40%
Gross Profit 3Y	19.6%	29.0%	32.2%	34.4%	36.2%	27.3%	19.9%	19.9%	18.9%	18.9%	17.6%	10.7%	7.1%	-1.0%	-4.9%	-8.2%	-7.8%	-1.7%	8.4%	14.4%	14.41%
Gross Profit 5Y	19.3%	19.7%	21.9%	20.5%	18.9%	17.2%	11.2%	10.1%	10.4%	13.4%	16.6%	17.9%	19.8%	15.6%	13.1%	12.1%	11.5%	12.0%	12.3%	10.3%	10.33%
Op. Income 3Y	39.1%	59.1%	69.2%	77.4%	93.3%	60.2%	41.8%	41.2%	30.4%	25.6%	21.1%	7.1%	2.2%	-12.3%	-20.2%	-27.3%	-26.9%	-15.1%	2.2%	13.9%	13.88%
Op. Income 5Y	22.5%	26.2%	25.0%	24.6%	24.4%	22.4%	18.6%	16.5%	16.8%	23.0%	29.4%	32.7%	40.7%	24.8%	17.1%	12.8%	8.5%	9.7%	10.8%	7.9%	7.85%
FCF 3Y	9.4%	3.9%	59.7%	1.3%	—	—	—	—	—	—	-7.1%	-48.0%	—	—	-30.5%	0.1%	40.9%	25.0%	—	—	—
FCF 5Y	—	—	—	—	-12.4%	-6.3%	—	—	—	—	7.4%	25.8%	—	—	23.3%	2.5%	37.4%	34.9%	26.5%	-1.5%	-1.50%
OCF 3Y	8.3%	1.5%	40.6%	53.6%	69.4%	1.1%	—	—	—	—	-2.1%	-36.5%	-76.0%	—	-18.8%	7.0%	34.4%	19.8%	—	—	—
OCF 5Y	—	—	—	—	-6.1%	1.9%	—	—	—	—	5.1%	8.7%	-32.3%	—	13.1%	39.3%	29.3%	34.1%	30.1%	4.7%	4.74%
Assets 3Y	23.3%	23.3%	25.8%	25.8%	25.8%	25.8%	22.0%	22.0%	22.0%	22.0%	5.0%	5.0%	5.0%	5.0%	4.5%	4.5%	4.5%	4.5%	6.0%	6.0%	6.01%
Assets 5Y	17.0%	17.0%	15.8%	15.8%	15.8%	15.8%	16.3%	16.3%	16.3%	16.3%	16.7%	16.7%	16.7%	16.7%	14.1%	14.1%	14.1%	14.1%	6.2%	6.2%	6.19%
Equity 3Y	6.6%	6.6%	12.6%	12.6%	12.6%	12.6%	10.0%	10.0%	10.0%	10.0%	13.6%	13.6%	13.6%	13.6%	10.4%	10.4%	10.4%	10.4%	14.7%	14.7%	14.67%
Book Value 3Y	5.2%	4.9%	10.1%	9.4%	10.4%	10.8%	8.7%	9.4%	10.1%	9.5%	13.0%	13.6%	14.8%	14.9%	12.3%	12.4%	11.7%	10.1%	12.1%	11.4%	11.36%
Dividend 3Y	-3.4%	-6.6%	-10.4%	-15.1%	-17.9%	-13.1%	-6.0%	5.2%	15.8%	17.3%	15.5%	11.0%	8.4%	4.7%	2.9%	1.4%	-1.2%	-6.8%	-12.7%	-23.0%	-22.99%

Growth Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue Stability	0.95	0.89	0.91	0.92	0.91	0.94	0.91	0.91	0.89	0.83	0.83	0.90	0.95	0.92	0.88	0.88	0.87	0.85	0.84	0.87	0.866
Earnings Stability	0.35	0.50	0.57	0.57	0.63	0.76	0.67	0.57	0.57	0.67	0.67	0.53	0.53	0.42	0.24	0.07	0.04	0.01	0.00	0.00	0.000
Margin Stability	0.85	0.85	0.86	0.84	0.83	0.85	0.86	0.81	0.78	0.77	0.79	0.76	0.73	0.71	0.73	0.72	0.73	0.75	0.82	0.77	0.766
Rev. Growth Consistency	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.50	0.50	0.500
Earn. Growth Consistency	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.500
FCF Positive Streak	1	1	1	1	1	1	0	0	0	0	0	0	0	0	1	1	0	0	1	1	1
Earnings Persistence	0.50	0.50	0.50	0.50	0.50	0.96	0.89	0.83	0.82	0.89	0.96	0.92	0.87	1.00	0.89	0.84	0.83	0.93	0.91	0.50	0.500
Earnings Smoothness	0.13	0.11	0.19	0.28	0.47	0.90	0.68	0.46	0.42	0.68	0.91	0.82	0.72	1.00	0.68	0.48	0.46	0.80	0.79	0.36	0.360
ROE Trend	0.12	0.16	0.13	0.15	0.13	0.05	-0.01	-0.06	-0.08	-0.08	-0.04	-0.05	-0.04	-0.05	-0.06	-0.07	-0.07	-0.05	-0.02	0.02	0.018
Gross Margin Trend	0.23	0.24	0.21	0.18	0.12	0.04	-0.12	-0.27	-0.34	-0.36	-0.28	-0.22	-0.16	-0.14	-0.10	-0.07	-0.04	0.01	0.06	0.09	0.094
FCF Margin Trend	0.42	0.29	0.17	-0.03	-0.16	-0.02	-0.38	-0.58	-0.46	-0.36	-0.01	0.04	-0.02	-0.19	0.10	0.24	0.35	0.37	0.18	0.11	0.112
Sustainable Growth Rate	17.6%	23.8%	24.5%	27.8%	27.7%	23.5%	15.8%	14.0%	13.1%	14.7%	15.5%	15.2%	15.9%	13.2%	9.6%	7.5%	7.7%	9.4%	10.8%	13.8%	13.84%
Internal Growth Rate	1.3%	1.8%	1.6%	1.9%	1.8%	1.6%	1.1%	1.0%	0.9%	1.0%	1.1%	1.1%	1.2%	1.0%	0.8%	0.6%	0.6%	0.8%	0.9%	1.2%	1.17%

Cash Flow Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
OCF/Net Income	1.76	1.15	0.86	0.59	0.48	0.98	-0.09	-0.59	-0.41	-0.24	0.50	0.36	0.02	-0.49	0.80	1.78	2.81	2.87	2.21	1.55	1.552
FCF/OCF	0.92	0.90	0.88	0.85	0.69	0.65	6.44	1.93	2.24	1.89	0.67	0.51	-8.36	1.50	0.55	0.70	0.79	0.74	0.68	0.68	0.677
FCF/Net Income	snapshot only																				1.051
OCF/EBITDA	snapshot only																				1.017
CapEx/Revenue	4.1%	3.8%	3.9%	3.6%	6.0%	12.1%	12.7%	11.0%	8.6%	3.5%	2.9%	3.0%	3.2%	3.8%	4.8%	6.0%	6.6%	9.9%	11.2%	9.4%	9.38%
CapEx/Depreciation	snapshot only																				3.567
Accruals Ratio	-0.01	-0.00	0.00	0.01	0.01	0.00	0.01	0.02	0.01	0.01	0.01	0.01	0.01	0.02	0.00	-0.01	-0.01	-0.02	-0.01	-0.01	-0.007
Sloan Accruals	snapshot only																				-0.119
Cash Flow Adequacy	snapshot only																				2.943
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Dividend Yield	1.0%	0.8%	0.5%	0.5%	0.7%	0.9%	1.0%	1.8%	1.3%	1.2%	0.8%	0.9%	1.0%	1.0%	1.0%	0.9%	0.8%	0.6%	0.4%	0.3%	0.00%
Dividend/Share	$0.40	$0.36	$0.32	$0.27	$0.24	$0.25	$0.28	$0.34	$0.39	$0.43	$0.45	$0.46	$0.47	$0.47	$0.47	$0.45	$0.44	$0.37	$0.31	$0.21	$0.00
Payout Ratio	6.6%	4.5%	3.4%	2.6%	2.3%	2.8%	4.1%	5.3%	6.4%	6.4%	5.9%	6.1%	6.0%	7.1%	8.3%	10.2%	9.7%	7.1%	4.8%	2.6%	2.62%
FCF Payout Ratio	4.1%	4.3%	4.5%	5.2%	6.8%	4.4%	—	—	—	—	17.6%	33.5%	—	—	19.0%	8.2%	4.3%	3.3%	3.2%	2.5%	2.50%
Total Payout Ratio	6.6%	4.5%	12.2%	12.2%	18.0%	21.3%	18.6%	37.9%	29.7%	27.2%	21.8%	6.1%	6.0%	15.5%	19.0%	27.4%	26.6%	43.4%	70.9%	68.6%	68.59%
Div. Increase Streak	0	0	0	0	0	0	0	0	0	0	0	1	1	1	1	0	0	0	0	0	0
Chowder Number	-0.05	-0.14	-0.23	-0.33	-0.40	-0.30	-0.13	0.20	0.57	0.65	0.58	0.38	0.24	0.12	0.04	-0.01	-0.06	-0.18	-0.28	-0.50	-0.498
Buyback Yield	0.0%	0.0%	1.2%	1.9%	4.9%	5.7%	3.5%	11.1%	4.7%	4.1%	2.1%	0.0%	0.0%	1.2%	1.2%	1.5%	1.3%	2.9%	5.7%	7.6%	7.56%
Net Buyback Yield	-0.6%	-0.8%	-0.0%	0.7%	3.1%	4.0%	3.5%	11.1%	4.7%	4.0%	2.0%	-0.2%	-0.2%	0.9%	1.1%	1.4%	1.2%	-4.7%	-0.7%	0.8%	0.81%
Total Shareholder Return	0.4%	0.0%	0.5%	1.2%	3.8%	4.8%	4.5%	12.9%	6.0%	5.3%	2.7%	0.7%	0.7%	1.9%	2.1%	2.3%	1.9%	-4.1%	-0.3%	1.1%	1.11%

DuPont Factors

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Tax Burden (NI/EBT)	0.65	0.67	0.71	0.80	0.80	0.81	0.78	0.78	0.76	0.77	0.76	0.75	0.76	0.80	0.81	0.85	0.85	0.78	0.78	0.77	0.766
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.93	0.94	0.943
EBIT Margin	0.45	0.51	0.53	0.52	0.50	0.44	0.33	0.26	0.22	0.21	0.23	0.23	0.23	0.19	0.16	0.13	0.13	0.17	0.22	0.26	0.260
Asset Turnover	0.05	0.05	0.04	0.05	0.05	0.04	0.04	0.05	0.06	0.07	0.07	0.07	0.07	0.07	0.06	0.06	0.06	0.06	0.06	0.06	0.064
Equity Multiplier	13.81	13.81	15.31	15.31	15.31	15.31	14.61	14.61	14.61	14.61	13.88	13.88	13.88	13.88	12.55	12.55	12.55	12.55	11.94	11.94	11.944

Per Share

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
EPS (Diluted TTM)	$6.07	$7.98	$9.17	$10.34	$10.49	$9.03	$6.89	$6.34	$6.14	$6.74	$7.69	$7.49	$7.85	$6.61	$5.57	$4.45	$4.56	$5.28	$6.33	$7.95	$7.95
Book Value/Share	$33.11	$32.98	$39.81	$39.80	$40.69	$41.12	$42.42	$43.37	$44.41	$43.60	$50.38	$49.87	$50.11	$50.00	$56.41	$56.53	$56.73	$54.89	$59.76	$59.91	$62.92
Tangible Book/Share	$32.99	$32.87	$39.70	$39.69	$40.58	$41.01	$42.31	$43.26	$44.30	$43.49	$50.27	$49.76	$49.99	$49.89	$56.30	$56.42	$56.62	$54.78	$59.66	$59.80	$59.80
Revenue/Share	$20.76	$23.46	$24.42	$25.08	$26.35	$25.59	$27.04	$31.55	$36.63	$41.16	$43.69	$43.87	$44.70	$42.98	$41.80	$39.94	$39.84	$40.06	$39.96	$42.46	$44.00
FCF/Share	$9.82	$8.30	$6.94	$5.23	$3.50	$5.76	$-4.06	$-7.19	$-5.67	$-3.09	$2.56	$1.36	$-1.27	$-4.87	$2.45	$5.54	$10.15	$11.17	$9.52	$8.36	$8.66
OCF/Share	$10.67	$9.19	$7.90	$6.13	$5.08	$8.86	$-0.63	$-3.72	$-2.53	$-1.64	$3.84	$2.69	$0.15	$-3.26	$4.46	$7.94	$12.79	$15.14	$13.98	$12.34	$12.78
Cash/Share	$56.42	$56.21	$126.32	$126.29	$129.10	$130.47	$104.11	$106.46	$109.00	$107.02	$192.24	$190.29	$191.20	$190.81	$178.32	$178.68	$179.33	$173.51	$1.75	$1.76	$2.62
EBITDA/Share	$9.87	$12.66	$13.49	$13.62	$13.86	$11.92	$9.63	$9.07	$9.01	$9.76	$11.15	$10.93	$11.21	$9.29	$7.92	$6.52	$6.76	$7.93	$9.93	$12.14	$12.14
Debt/Share	$41.65	$41.50	$34.38	$34.37	$35.13	$35.51	$33.43	$34.18	$35.00	$34.36	$46.41	$45.94	$46.16	$46.06	$43.31	$43.39	$43.55	$42.14	$48.18	$48.29	$48.29
Net Debt/Share	$-14.77	$-14.71	$-91.94	$-91.92	$-93.97	$-94.97	$-70.68	$-72.28	$-74.00	$-72.66	$-145.83	$-144.35	$-145.04	$-144.74	$-135.01	$-135.29	$-135.78	$-131.37	$46.42	$46.54	$46.54

Academic Models

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	1.820
Altman Z-Prime	snapshot only																				-3.688
Piotroski F-Score	7	8	6	6	7	7	4	4	4	4	8	7	7	4	3	5	6	5	6	7	7
Beneish M-Score	-1.74	-1.60	-2.34	-2.25	-2.17	-2.25	-1.20	-1.45	-1.62	-1.65	-1.29	-1.20	-1.18	-0.73	-13.12	-2.37	-2.53	-2.53	-3.84	-2.87	-2.872
Ohlson O-Score	snapshot only																				2.319
Net-Net WC	snapshot only																				$-640.39
EVA	snapshot only																				$-77960602.27

Credit

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Credit Rating	snapshot only																				BBB-
Credit Score	47.89	53.74	60.04	59.16	57.26	59.08	47.72	45.97	44.48	48.27	64.42	63.77	63.81	59.77	56.79	53.84	55.51	58.87	44.06	53.00	52.997
Credit Grade	snapshot only																				10
Credit Trend	snapshot only																				-0.840
Implied Spread (bps)	snapshot only																				350.000
Industry Credit Rank	snapshot only																				33
Sector Credit Rank	snapshot only																				40

CUBI NYSE

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Workforce & Productivity

Scaling Efficiency

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