CUBI vs SBCF: stock comparison and AI forecast
Customers Bancorp, Inc. (CUBI) and Seacoast Banking Corp Of Florida (SBCF) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
CUBI Customers Bancorp, Inc.
- Price
- $84.32 +8.2% · 6M
- Market Cap
- $2.85B
- P/E Ratio
- 9.9x
- Size
- mid-cap
- AI Forecast
SBCF Seacoast Banking Corp Of Florida
- Price
- $33.60 +7.1% · 6M
- Market Cap
- $3.25B
- P/E Ratio
- 19.8x
- 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.
Six-month price performance
Closing prices rebased to 100 at the start of the window.
Key facts
- SBCF is 1.1 times larger than CUBI by market capitalization ($3.25B against $2.85B).
- CUBI trades at 9.9 times trailing earnings, SBCF at 19.8 times.
- Over the last six months CUBI returned +8.2% and SBCF +7.1%.
- CUBI turns 31.0% of its revenue into net income, against 24.9% for SBCF.
- CUBI carries 11.02 times debt per unit of equity, against 7.03 times for SBCF.
- Both companies share the SEC industry classification State Commercial Banks.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | CUBI | SBCF |
|---|---|---|
| Market Cap | $2.85B | $3.25B |
| P/E Ratio | 9.86x | 19.77x |
| P/B Ratio | 1.29x | 1.25x |
| EPS | $8.55 | $1.70 |
| Book Value/Share | $65.29 | $26.81 |
| Revenue/Share | $27.87 | $7.69 |
| FCF/Share | $10.85 | – |
Profitability & Margins
| Metric | CUBI | SBCF |
|---|---|---|
| ROE | 13.2% | 7.2% |
| ROA | 1.1% | 0.9% |
| Net Margin | 31.0% | 24.9% |
| EBT Margin | 40.1% | 31.6% |
| Tax Rate | 22.8% | 21.3% |
Financial Health
| Metric | CUBI | SBCF |
|---|---|---|
| D/E Ratio | 11.02x | 7.03x |
| Financial Leverage | 12.02x | 8.16x |
Cash Flow
| Metric | CUBI | SBCF |
|---|---|---|
| Operating Cash Flow | $381M | $327M |
| Free Cash Flow | $367M | – |
| Capital Spending | -$14M | – |
| OCF Growth YoY | -8.0% | 83.0% |
| FCF Growth YoY | -11.1% | – |
| FCF/Sales | 38.9% | – |
| CapEx/Sales | 1.5% | – |
Operational Efficiency
| Metric | CUBI | SBCF |
|---|---|---|
| Asset Turnover | 0.04x | 0.04x |
| Fixed Assets Turnover | 47.6x | 4.7x |
Income Statement
| Metric | CUBI | SBCF |
|---|---|---|
| Total Revenue | $941M | $745M |
| Net Income | $291M | $186M |
Dividend & Shareholder Information
| Metric | CUBI | SBCF |
|---|---|---|
| Shares Outstanding | 34M | 97M |
| Net Income Growth | 97.6% | 28.2% |
| EPS Growth | 127.4% | 14.9% |
CUBI vs SBCF: stock comparison and AI forecast
Which is bigger, CUBI or SBCF?
SBCF is 1.1 times larger than CUBI by market capitalization ($3.25B against $2.85B).
Which is cheaper on earnings, CUBI or SBCF?
CUBI trades at 9.9 times trailing earnings, SBCF at 19.8 times.
Which stock performed better over the last six months, CUBI or SBCF?
Over the last six months CUBI returned +8.2% and SBCF +7.1%.
Which one does Intratio's AI model rank higher, CUBI or SBCF?
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.