On the stock market since 2012, it operates in the world of money and finance. It has 864 employees. Now — the numbers.
This is an established company with proven profits.
That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.
Average growth of 14% a year over the last 4 years. Every year shown ended in profit.
Executives buying with their own money is usually read as confidence in the company’s future.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly above the class average — a step short of the very top.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
Clearly above the class average — a step short of the very top.
Sales are growing strongly for its sector.
Clearly below the class average.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
Price Momentum: The stock has lagged the market in recent months; investor interest is weak right now.
The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.
The net profit margin is 16% — still a thick cushion, though costs have been eating into it lately.
Over the last 3 years, sales grew about 16% a year on average.
It met or beat analyst expectations in 7 of the last 8 quarters — consistency is a promise kept.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 20/100.
Buyers haven’t stepped back in yet; the price hasn’t found its footing. Report-card grade: 47/100. For a turnaround signal, the stock first needs to close the gap with the market.
On our five-subject report card, CUBI sits in the middle of the class: some subjects shine, others don’t. The grade moves as the numbers move.
The takeaway: CUBI is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.