<p>Customers Bancorp (CUBI) 一直在悄悄地回报耐心的股东，过去一个月股价上涨约 20%，今年上涨超过 60%。这一表现促使人们更深入地探讨推动这一变动的因素。</p>
<p>查看我们对 Customers Bancorp 的最新分析。</p>
<p>在每股约 77.91 美元的价格下，Customers Bancorp 最近一个月的强劲股价回报建立在已经令人印象深刻的多年总股东回报记录之上。这可能表明，随着投资者重新评估其盈利能力和风险特征，势头仍在增强。</p>
<p>如果这种持续的重新评级引起了你的注意，现在可能是探索快速增长且内部持股比例高的股票的好时机，寻找其他类似的被低估的公司。</p>
<p>随着盈利仍在以两位数增长，股价已接近分析师目标，目前的关键争论很简单：Customers Bancorp 仍然被低估吗，还是市场已经在定价其下一阶段的增长？</p>
<h2>最受欢迎的叙述：8.7% 被低估</h2>
<p>根据每股接近 85 美元的公允价值，与 77.91 美元的收盘价相比，这一叙述倾向于上涨，依赖于激进的增长和利润率扩张。</p>
<blockquote>
<p><em>商业银行和支付的快速数字化正在推动机构客户寻求以技术为中心的 24/7 银行解决方案。Customers Bancorp 通过其专有的 cubiX 平台抓住了这一转变。预计 2024 年支付交易量将达到 1.5 万亿美元，并且增长加速，围绕数字资产和稳定币的持续监管清晰度使 Customers 成为领先的提供商，支持存款和费用收入的显著增长潜力。</em></p>
</blockquote>
<p>阅读完整叙述。</p>
<p>好奇这个支付引擎、上升的利润率和截然不同的未来盈利基础如何与公允价值估计相连接？令人惊讶的假设隐藏在叙述中。</p>
<p><strong>结果：公允价值为 85.33 美元（被低估）</strong></p>
<p>完整阅读叙述，了解预测背后的原因。</p>
<p>然而，持续增长依赖于数字资产市场保持有序，以及竞争不会比分析师目前的预期更快地侵蚀 cubiX 的经济性。</p>
<p>了解 Customers Bancorp 叙述的关键风险。</p>
<h2>估值的另一种视角</h2>
<p>基于盈利的估值，Customers Bancorp 看起来不那么明确。该股票的市盈率为 16.4 倍，高于美国银行同行的 12.6 倍和更广泛行业的 12 倍，但大致与其 16.5 倍的公允比率相符。</p>
<p>这种组合表明，如果市场情绪对增长型银行降温，可能存在一定的下行风险。这也表明，当前的倍数与市场可能的稳定水平相比并不算过高，投资者需要决定是否仍然值得为 cubiX 驱动的增长支付溢价。</p>
<p>查看数字对这一价格的看法——在我们的估值分析中了解更多。</p>
<p><img src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/31ee4fa3-b56f-47b7-b8c1-fcac3d726e56/chart/pe-multiple-vs-industry?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/31ee4fa3-b56f-47b7-b8c1-fcac3d726e56/chart/pe-multiple-vs-industry"/></p>
<p>截至 2025 年 12 月的 NYSE:CUBI 市盈率</p>
<h2>构建您自己的 Customers Bancorp 叙述</h2>
<p>如果您的观点不同或希望自己测试数字，您可以在几分钟内使用 Do it your way 构建个性化的论点。</p>
<p>您对 Customers Bancorp 研究的一个很好的起点是我们的分析，强调 2 个关键回报和 1 个可能影响您投资决策的重要警示信号。</p>
<h2>寻找更多投资想法？</h2>
<p>当您可以快速扫描其他符合您策略的有前景的设置时，不要止步于单一机会，使用 Simply Wall Street 筛选器。</p>
<ul>
<li>通过浏览这些 917 只基于现金流的被低估股票，捕捉潜在的错误定价，这些股票可能提供比广泛关注的公司更强的上涨空间。</li>
<li>通过针对这些 24 只正在塑造未来技术格局的 AI 小型股，增强您的增长观察名单。</li>
<li>通过审查这些 13 只收益率超过 3% 的股息股票，增强您的收入来源，这些股票结合了收益潜力和稳健的基本面。</li>
</ul>
<p><em>这篇文章由 Simply Wall St 撰写，内容具有一般性。<strong>我们提供基于历史数据和分析师预测的评论，采用无偏见的方法，我们的文章并不旨在提供财务建议。</strong> 它不构成买入或卖出任何股票的推荐，也未考虑您的目标或财务状况。我们旨在为您提供以基本数据驱动的长期分析。请注意，我们的分析可能未考虑最新的价格敏感公司公告或定性材料。Simply Wall St 对任何提到的股票没有持仓。</em></p>
<p>移动基础设施用于国防和灾难</p>
<p>机器人技术的下一个浪潮不是类人型的。它是完全自主的塔楼，在 30 分钟内提供 5G、ISR 和雷达，覆盖任何地方。</p>
<p>在下一轮合同之前获取投资者简报</p>
<p>由 CiTech 赞助</p>

CUBI

<p>Customers Bancorp (CUBI) 的股价在过去一个月上涨了 20%，今年以来上涨超过 60%。目前该股票的每股价值为 77.91 美元，公允价值估计为 85.33 美元，表明其被低估。公司的增长得益于其专有的 cubiX 平台以及商业银行的快速数字化。然而，其市盈率为 16.4 倍，表明如果市场情绪发生变化，可能存在下行风险。建议投资者在做出投资决策之前考虑风险和收益</p>

<p>Customers Bancorp (CUBI) has been quietly rewarding patient shareholders, with the stock climbing about 20% over the past month and more than 60% this year. This performance is prompting a closer look at what is driving the move.</p>
<div class="lb-trans"><p>Customers Bancorp (CUBI) 一直在悄悄地回报耐心的股东，过去一个月股价上涨约 20%，今年上涨超过 60%。这一表现促使人们更深入地探讨推动这一变动的因素。</p>
</div><p>See our latest analysis for Customers Bancorp.</p>
<div class="lb-trans"><p>查看我们对 Customers Bancorp 的最新分析。</p>
</div><p>At around $77.91 per share, Customers Bancorp’s strong recent 1 month share price return sits on top of an already impressive multi year total shareholder return record. This may indicate that momentum is still building as investors reassess its earnings strength and risk profile.</p>
<div class="lb-trans"><p>在每股约 77.91 美元的价格下，Customers Bancorp 最近一个月的强劲股价回报建立在已经令人印象深刻的多年总股东回报记录之上。这可能表明，随着投资者重新评估其盈利能力和风险特征，势头仍在增强。</p>
</div><p>If this kind of sustained rerating has your attention, it might be a good moment to explore fast growing stocks with high insider ownership for other under the radar names showing similar conviction behind the numbers.</p>
<div class="lb-trans"><p>如果这种持续的重新评级引起了你的注意，现在可能是探索快速增长且内部持股比例高的股票的好时机，寻找其他类似的被低估的公司。</p>
</div><p>With earnings still growing in the double digits and the share price already near analyst targets, the key debate now is simple: is Customers Bancorp still undervalued, or is the market already pricing in its next leg of growth?</p>
<div class="lb-trans"><p>随着盈利仍在以两位数增长，股价已接近分析师目标，目前的关键争论很简单：Customers Bancorp 仍然被低估吗，还是市场已经在定价其下一阶段的增长？</p>
</div><h2>Most Popular Narrative: 8.7% Undervalued</h2>
<div class="lb-trans"><h2>最受欢迎的叙述：8.7% 被低估</h2>
</div><p>With the narrative fair value near $85 per share against a $77.91 close, the storyline leans toward upside, hinging on aggressive growth and margin expansion.</p>
<div class="lb-trans"><p>根据每股接近 85 美元的公允价值，与 77.91 美元的收盘价相比，这一叙述倾向于上涨，依赖于激进的增长和利润率扩张。</p>
</div><blockquote>
<p><em>The rapid digitization of commercial banking and payments is driving institutional clients to seek tech-focused, 24/7 banking solutions. This shift is one that Customers Bancorp capitalizes on through its proprietary cubiX platform. With payments volume of $1.5 trillion in 2024 and accelerating growth, ongoing regulatory clarity around digital assets and stablecoins positions Customers as the leading provider, supporting significant potential for deposit and fee income growth.</em></p>
</blockquote>
<div class="lb-trans"><blockquote>
<p><em>商业银行和支付的快速数字化正在推动机构客户寻求以技术为中心的 24/7 银行解决方案。Customers Bancorp 通过其专有的 cubiX 平台抓住了这一转变。预计 2024 年支付交易量将达到 1.5 万亿美元，并且增长加速，围绕数字资产和稳定币的持续监管清晰度使 Customers 成为领先的提供商，支持存款和费用收入的显著增长潜力。</em></p>
</blockquote>
</div><p>Read the complete narrative.</p>
<div class="lb-trans"><p>阅读完整叙述。</p>
</div><p>Curious how this payments engine, rising margins, and a very different future earnings base all connect to that fair value estimate? The surprising assumptions sit inside the narrative.</p>
<div class="lb-trans"><p>好奇这个支付引擎、上升的利润率和截然不同的未来盈利基础如何与公允价值估计相连接？令人惊讶的假设隐藏在叙述中。</p>
</div><p><strong>Result: Fair Value of $85.33 (UNDERVALUED)</strong></p>
<div class="lb-trans"><p><strong>结果：公允价值为 85.33 美元（被低估）</strong></p>
</div><p>Have a read of the narrative in full and understand what's behind the forecasts.</p>
<div class="lb-trans"><p>完整阅读叙述，了解预测背后的原因。</p>
</div><p>However, sustained growth depends on digital asset markets staying orderly and competition not eroding cubiX economics faster than analysts currently anticipate.</p>
<div class="lb-trans"><p>然而，持续增长依赖于数字资产市场保持有序，以及竞争不会比分析师目前的预期更快地侵蚀 cubiX 的经济性。</p>
</div><p>Find out about the key risks to this Customers Bancorp narrative.</p>
<div class="lb-trans"><p>了解 Customers Bancorp 叙述的关键风险。</p>
</div><h2>Another Lens on Valuation</h2>
<div class="lb-trans"><h2>估值的另一种视角</h2>
</div><p>On earnings based valuation, Customers Bancorp looks a lot less clear cut. The stock trades on a price to earnings ratio of 16.4 times, richer than both US bank peers at 12.6 times and the wider industry at 12 times, but roughly in line with its 16.5 times fair ratio.</p>
<div class="lb-trans"><p>基于盈利的估值，Customers Bancorp 看起来不那么明确。该股票的市盈率为 16.4 倍，高于美国银行同行的 12.6 倍和更广泛行业的 12 倍，但大致与其 16.5 倍的公允比率相符。</p>
</div><p>That mix suggests some downside risk if sentiment cools toward growth banks. It also indicates that the current multiple is not wildly stretched versus where the market could settle, leaving investors to decide whether the premium is still worth paying for cubiX driven growth.</p>
<div class="lb-trans"><p>这种组合表明，如果市场情绪对增长型银行降温，可能存在一定的下行风险。这也表明，当前的倍数与市场可能的稳定水平相比并不算过高，投资者需要决定是否仍然值得为 cubiX 驱动的增长支付溢价。</p>
</div><p>See what the numbers say about this price — find out in our valuation breakdown.</p>
<div class="lb-trans"><p>查看数字对这一价格的看法——在我们的估值分析中了解更多。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/31ee4fa3-b56f-47b7-b8c1-fcac3d726e56/chart/pe-multiple-vs-industry" alt="" original-src="https://images.simplywall.st/company/31ee4fa3-b56f-47b7-b8c1-fcac3d726e56/chart/pe-multiple-vs-industry"/></p>
<p>NYSE:CUBI PE Ratio as at Dec 2025</p>
<div class="lb-trans"><p>截至 2025 年 12 月的 NYSE:CUBI 市盈率</p>
</div><h2>Build Your Own Customers Bancorp Narrative</h2>
<div class="lb-trans"><h2>构建您自己的 Customers Bancorp 叙述</h2>
</div><p>If your view differs or you prefer testing the numbers yourself, you can build a personalized thesis in just minutes with Do it your way.</p>
<div class="lb-trans"><p>如果您的观点不同或希望自己测试数字，您可以在几分钟内使用 Do it your way 构建个性化的论点。</p>
</div><p>A great starting point for your Customers Bancorp research is our analysis highlighting 2 key rewards and 1 important warning sign that could impact your investment decision.</p>
<div class="lb-trans"><p>您对 Customers Bancorp 研究的一个很好的起点是我们的分析，强调 2 个关键回报和 1 个可能影响您投资决策的重要警示信号。</p>
</div><h2>Looking for more investment ideas?</h2>
<div class="lb-trans"><h2>寻找更多投资想法？</h2>
</div><p>Do not stop with a single opportunity when you can quickly scan other promising setups tailored to your strategy using the Simply Wall Street Screener.</p>
<div class="lb-trans"><p>当您可以快速扫描其他符合您策略的有前景的设置时，不要止步于单一机会，使用 Simply Wall Street 筛选器。</p>
</div><ul>
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</ul>
<div class="lb-trans"><ul>
<li>通过浏览这些 917 只基于现金流的被低估股票，捕捉潜在的错误定价，这些股票可能提供比广泛关注的公司更强的上涨空间。</li>
<li>通过针对这些 24 只正在塑造未来技术格局的 AI 小型股，增强您的增长观察名单。</li>
<li>通过审查这些 13 只收益率超过 3% 的股息股票，增强您的收入来源，这些股票结合了收益潜力和稳健的基本面。</li>
</ul>
</div><p><em>This article by Simply Wall St is general in nature. <strong>We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice.</strong> It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.</em></p>
<div class="lb-trans"><p><em>这篇文章由 Simply Wall St 撰写，内容具有一般性。<strong>我们提供基于历史数据和分析师预测的评论，采用无偏见的方法，我们的文章并不旨在提供财务建议。</strong> 它不构成买入或卖出任何股票的推荐，也未考虑您的目标或财务状况。我们旨在为您提供以基本数据驱动的长期分析。请注意，我们的分析可能未考虑最新的价格敏感公司公告或定性材料。Simply Wall St 对任何提到的股票没有持仓。</em></p>
</div><p>Mobile Infrastructure for Defense and Disaster</p>
<div class="lb-trans"><p>移动基础设施用于国防和灾难</p>
</div><p>The next wave in robotics isn't humanoid. Its fully autonomous towers delivering 5G, ISR, and radar in under 30 minutes, anywhere.</p>
<div class="lb-trans"><p>机器人技术的下一个浪潮不是类人型的。它是完全自主的塔楼，在 30 分钟内提供 5G、ISR 和雷达，覆盖任何地方。</p>
</div><p>Get the investor briefing before the next round of contracts</p>
<div class="lb-trans"><p>在下一轮合同之前获取投资者简报</p>
</div><p>Sponsored On Behalf of CiTech</p>
<div class="lb-trans"><p>由 CiTech 赞助</p>
</div>

Customers Bancorp (CUBI)：在近期股价大幅上涨后重新评估其估值