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| Metrics | Range | Conclusion |
|---|---|---|
| Selected LTM Pb Multiple | 1.3x - 1.4x | 1.3x |
| Historical Pb Multiple | 1.1x - 2.0x | 1.3x |
| Fair Value | $55.82 - $61.70 | $58.76 |
| Upside | -1.0% - 9.5% | 4.3% |
| Benchmarks | - | Full Ticker |
| Customers Bancorp, Inc. | - | NYSE:CUBI |
| HomeStreet, Inc. | - | NasdaqGS:HMST |
| First Northern Community Bancorp | - | OTCPK:FNRN |
| Webster Financial Corporation | - | NYSE:WBS |
| Unity Bancorp, Inc. | - | NasdaqGM:UNTY |
| Axos Financial, Inc. | - | NYSE:AX |
| Select Price / Book Ratio | ||||||||
| Benchmark Companies | ||||||||
| CUBI | HMST | FNRN | WBS | UNTY | AX | |||
| NYSE:CUBI | NasdaqGS:HMST | OTCPK:FNRN | NYSE:WBS | NasdaqGM:UNTY | NYSE:AX | |||
| Historical Net Income Growth | ||||||||
| 5Y CAGR | 20.0% | NM- | 6.4% | 14.8% | 11.9% | 23.8% | ||
| 3Y CAGR | -21.2% | NM- | 12.2% | 23.1% | 4.7% | 27.8% | ||
| Latest Twelve Months | -29.3% | -424.7% | -7.1% | -11.8% | 4.4% | 7.7% | ||
| Historical Net Income Profit Margin | ||||||||
| 5 Year Average Margin | 35.5% | 3.4% | 26.4% | 29.6% | 38.7% | 36.2% | ||
| Prior Fiscal Year | 34.5% | -13.2% | 30.0% | 33.6% | 39.7% | 34.9% | ||
| Latest Fiscal Year | 25.9% | -190.7% | 28.4% | 31.4% | 40.2% | 42.5% | ||
| Latest Twelve Months | 25.9% | -190.7% | 28.4% | 31.4% | 40.2% | 36.8% | ||
| Return on Equity | ||||||||
| 5 Year Average Margin | 18.8% | 5.4% | 11.4% | 9.6% | 16.3% | 17.5% | ||
| Prior Fiscal Year | 17.0% | -5.0% | 15.2% | 10.4% | 15.9% | 17.3% | ||
| Latest Twelve Months | 10.4% | -30.9% | 11.9% | 8.6% | 14.9% | 18.8% | ||
| Next Fiscal Year | 11.5% | 1.4% | #NUM! | 10.8% | 15.6% | 17.0% | ||
| Two Fiscal Years Forward | 11.9% | 4.6% | 11.1% | 10.9% | 15.5% | 15.2% | ||
| Current Trading Multiples | ||||||||
| Price / LTM Sales | 2.1x | 2.9x | 2.1x | 3.0x | 3.9x | 2.8x | ||
| Price / LTM EPS | 8.1x | -1.5x | 7.6x | 9.6x | 9.7x | 7.5x | ||
| Price / Book | 0.8x | 0.5x | 0.9x | 0.8x | 1.4x | 1.3x | ||
| Price / Fwd Book | 0.7x | 0.5x | 0.9x | 0.8x | 1.2x | 1.2x | ||
| Low | Mid | High | ||||||
| Benchmark P/B Ratio | 0.5x | 0.8x | 1.4x | |||||
| Historical P/B Ratio | 1.1x | 1.3x | 2.0x | |||||
| Selected P/B Multiple | 1.3x | 1.3x | 1.4x | |||||
| (x) Book Value | 2,522 | 2,522 | 2,522 | |||||
| Equity Value | |||||||
| Benchmark Companies | |||||||
| (in millions) | CUBI | HMST | FNRN | WBS | UNTY | AX | |
| Value of Common Equity | 1,345 | 206 | 151 | 7,162 | 403 | 3,218 | |
| (/) Shares Outstanding | 31.5 | 18.9 | 15.2 | 171.3 | 10.1 | 57.1 | |
| Implied Stock Price | 42.75 | 10.88 | 9.96 | 41.80 | 40.05 | 56.36 | |
| FX Conversion Rate to Trading Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |
| Implied Stock Price (Trading Cur) | 42.75 | 10.88 | 9.96 | 41.80 | 40.05 | 56.36 | |
| Trading Currency | USD | USD | USD | USD | USD | USD | |
| FX Rate to Reporting Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |