CUBI vs FBNC: stock comparison and AI forecast
Customers Bancorp, Inc. (CUBI) and First Bancorp /Nc/ (FBNC) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
CUBI Customers Bancorp, Inc.
- Price
- $86.26 +12.7% · 6M
- Market Cap
- $2.91B
- P/E Ratio
- 10.1x
- Size
- mid-cap
- AI Forecast
FBNC First Bancorp /Nc/
- Market Cap
- $2.70B
- P/E Ratio
- 13.4x
- Size
- mid-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Key facts
- CUBI and FBNC have similar market capitalizations ($2.91B and $2.70B).
- CUBI trades at 10.1 times trailing earnings, FBNC at 13.4 times.
- FBNC turns 115.7% of its revenue into net income, against 31.0% for CUBI.
- CUBI carries 11.02 times debt per unit of equity, against 6.68 times for FBNC.
- FBNC yields 1.44% in dividends; CUBI pays none.
- Both companies share the SEC industry classification State Commercial Banks.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | CUBI | FBNC |
|---|---|---|
| Market Cap | $2.91B | $2.70B |
| P/E Ratio | 10.09x | 13.43x |
| P/B Ratio | 1.32x | 1.57x |
| Dividend Yield | – | 1.44% |
| EPS | $8.55 | $4.85 |
| Book Value/Share | $65.29 | $41.41 |
| Revenue/Share | $27.87 | $3.43 |
| FCF/Share | $10.85 | $6.69 |
Profitability & Margins
| Metric | CUBI | FBNC |
|---|---|---|
| ROE | 13.2% | 9.6% |
| ROA | 1.1% | 1.2% |
| Net Margin | 31.0% | 115.7% |
| EBT Margin | 40.1% | 143.7% |
| Tax Rate | 22.8% | 19.5% |
Financial Health
| Metric | CUBI | FBNC |
|---|---|---|
| D/E Ratio | 11.02x | 6.68x |
| Financial Leverage | 12.02x | 7.68x |
Cash Flow
| Metric | CUBI | FBNC |
|---|---|---|
| Operating Cash Flow | $381M | $284M |
| Free Cash Flow | $367M | $277M |
| Capital Spending | -$14M | -$8M |
| OCF Growth YoY | -8.0% | 31.2% |
| FCF Growth YoY | -11.1% | 29.8% |
| FCF/Sales | 38.9% | 195.0% |
| CapEx/Sales | 1.5% | 5.4% |
Operational Efficiency
| Metric | CUBI | FBNC |
|---|---|---|
| Asset Turnover | 0.04x | 0.01x |
| Fixed Assets Turnover | 47.6x | 1.0x |
Income Statement
| Metric | CUBI | FBNC |
|---|---|---|
| Total Revenue | $941M | $142M |
| Net Income | $291M | $164M |
Dividend & Shareholder Information
| Metric | CUBI | FBNC |
|---|---|---|
| Dividends Per Share | – | $0.94 |
| Payout Ratio | – | 19.4% |
| Shares Outstanding | 34M | 41M |
| Net Income Growth | 97.6% | 66.0% |
| EPS Growth | 127.4% | 129.9% |
CUBI vs FBNC: stock comparison and AI forecast
Which is bigger, CUBI or FBNC?
CUBI and FBNC have similar market capitalizations ($2.91B and $2.70B).
Which is cheaper on earnings, CUBI or FBNC?
CUBI trades at 10.1 times trailing earnings, FBNC at 13.4 times.
Which one does Intratio's AI model rank higher, CUBI or FBNC?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.