ZYBERNO SCORE →
Is it a great business? Is it getting better?
54.0/100
AVERAGE BUSINESS
Customers Bancorp, Inc. (CUBI) scores 54/100 — decent metrics but limited evidence of durable competitive advantage.
📊 How is the Zyberno Score calculated?
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The Zyberno Score answers one question: "Is this a quality business worth owning?" It's a 0-100 investment grade that evaluates business fundamentals across four critical dimensions, based on principles from Warren Buffett, Benjamin Graham, Peter Lynch, and Charlie Munger.
The 4 Core Categories (25 points each):
1. PROFITABILITY (25 pts)
Metrics: ROE, ROIC, Net Margin, Operating Margin
Thresholds: ROE >20% excellent • ROIC >20% excellent • Net Margin >20% excellent • Operating Margin >25% excellent
2. FINANCIAL STRENGTH (25 pts)
Metrics: Debt-to-Equity, Current Ratio, Interest Coverage, Altman Z-Score
Thresholds: D/E <0.3 excellent • Current Ratio >2.5 excellent • Interest Coverage >10x excellent • Altman Z >3.0 safe
3. CASH FLOW QUALITY (25 pts)
Metrics: Free Cash Flow, OCF vs Net Income, FCF Margin
Thresholds: Positive & growing FCF excellent • OCF/NI >1.2x excellent (cash earnings exceed accounting)
4. GROWTH & CONSISTENCY (25 pts)
Metrics: Revenue Growth, Net Income Growth, FCF Growth, Piotroski F-Score
Thresholds: Growth via log-linear regression • Piotroski 8-9 excellent, 6-7 good
Score Interpretation:
→ View full CUBI quality analysis & detailed breakdown
Critical Financial Health Indicators
Return on Equity (Profitability):AVERAGE (13.6%)
Debt-to-Equity (Solvency Risk):EXCELLENT (0.04x)
Operating Margin (Operational Efficiency):EXCELLENT (27.0%)
Return on Capital (Capital Efficiency):CRITICAL (1.4%)
Zyberno's Verdict
Customers Bancorp, Inc. (CUBI) stock report — Zyberno Score 54/100 (AVERAGE BUSINESS), Margin of Safety +78.7%, 64% expected annual return. Full financial analysis on Zyberno.
According to Zyberno's DCF model, Customers Bancorp, Inc. (CUBI) trades at $78.58 against an estimated intrinsic value per share of $368.66 — a +78.7% Margin of Safety based on Owner Earnings of $400.40M TTM, projected at 64.2% growth for 10 years with a 2.5% terminal growth rate. Zyberno's model translates this into a 5-year expected return of 63.5% annually.
Over the trailing twelve months, CUBI generated $400.40M in Owner Earnings. Capital was deployed as follows: $42.74M returned via share buybacks, $46.40M invested in capital expenditures. Reinvestment rate: 0.6%. Owner Earnings have grown at 64.2% annually over the trailing five years using log-linear regression.