COMP <GO>

CUBI vs BANC // REVENUE GROWTH (YOY)

Customers Bancorp Inc (NYSE) VS. Banc of California Inc. (NYSE) • 15-METRIC TALLY: CUBI 4 — BANC 2

■ METRIC PARITY

LAST: $87.49 (+0.93%) • MKT CAP: $2.96B

revenue-growth

—

LAST: $18.59 (+0.60%) • MKT CAP: $2.94B

revenue-growth

4.20%

15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CUBI VS. BANC) EMERALD CELL = QUANTITATIVE EDGE

INSTITUTIONAL METRIC	CUBI	BANC	SPREAD (A - B)	ADVANTAGE	DEDICATED URL
Gross Profit Margin	—	—	—	TIE	/gross-margins <GO>
Return on Invested Capital (ROIC)	10.60%	6.50%	+4.10	CUBI	/roic <GO>
EV/EBITDA & P/E Valuation	—	—	—	TIE	/valuation <GO>
Free Cash Flow Yield	16.27%	8.00%	+8.27	CUBI	/fcf-yield <GO>
Operating Margin	—	—	—	TIE	/operating-margins <GO>
Net Profit Margin	—	68.00%	—	TIE	/net-margins <GO>
Revenue Growth (YoY) ACTIVE	—	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	5/9	6/9	-1.00	BANC	/piotroski-score <GO>
Options Implied Move & Put/Call Skew	—	—	—	TIE	/options-implied-move <GO>
RSI-14 & 200D SMA Momentum	64.6	57.3	+7.27	CUBI	/rsi-technicals <GO>
10Y Yield & FRED Macro Beta	—	—	—	TIE	/macro-sensitivity <GO>
Forward P/E Multiple	12.3x	11.9x	+0.40	BANC	/forward-pe <GO>
Enterprise Scale & Market Cap	$2.96B	$2.94B	$19.4M	CUBI	/market-cap <GO>

5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY

FISCAL YEAR	CUBI REV	BANC REV	CUBI GROSS %	BANC GROSS %	CUBI FCF	BANC FCF
FY 2025	$0	$38.8M	—	—	$481.0M	$234.8M
FY 2024	$0	$37.2M	—	—	$143.6M	$64.3M
FY 2023	$0	$33.8M	—	—	$124.7M	$135.8M

FRED MACRO REGIME CORRELATION COMPARISON PEARSON r

CUBI // BETA —

BANC // BETA —