COMP <GO>
BANC vs CUBI // OPERATING MARGIN
Banc of California Inc. (NYSE) VS. Customers Bancorp Inc (NYSE) • 15-METRIC TALLY: BANC 2
— CUBI 4
■ METRIC PARITY
LAST: $18.59 (+0.60%) • MKT CAP: $2.94B
operating-margins
—
LAST: $87.49 (+0.93%) • MKT CAP: $2.96B
operating-margins
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (BANC VS. CUBI)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | BANC | CUBI | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 6.50% | 10.60% | -4.10 | CUBI | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 8.00% | 16.27% | -8.27 | CUBI | /fcf-yield <GO> |
| Operating Margin ACTIVE | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 68.00% | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | 4.20% | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 5/9 | +1.00 | BANC | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 57.3 | 64.6 | -7.27 | CUBI | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 11.9x | 12.3x | -0.40 | BANC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $2.94B | $2.96B | -$19.4M | CUBI | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | BANC REV | CUBI REV | BANC GROSS % | CUBI GROSS % | BANC FCF | CUBI FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $38.8M | $0 | — | — | $234.8M | $481.0M |
| FY 2024 | $37.2M | $0 | — | — | $64.3M | $143.6M |
| FY 2023 | $33.8M | $0 | — | — | $135.8M | $124.7M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
BANC // BETA —
CUBI // BETA —