COMPARE · Data as of August 27, 2026
CUBI vs IFS
Verdict: Side-by-side breakdown using the Bull Rankings model. CUBI scored 79.0, IFS scored 77.0 — CUBI leads.
Compare another set
Different reporting periods. CUBI's fundamentals are as of June 2026, but IFS's are as of March 2026 — a 3-month gap. Growth, margin and valuation figures below therefore describe different windows and aren't strictly like-for-like.
CUBI
Customers Bancorp, Inc.
63Fin
$79.03 · $2.7B
fundamentals as of
Strength gap
10.2
IFS leads
IFS
Intercorp Financial Services Inc.
73.2Fin
$54.36 · $6.0B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- CheapestCUBI9.6x
- Fastest growthCUBI+16.6%
Side by side · every name on one set of axes
Growth against the P/E multiple. Up and to the right is cheaper and faster — the quality-growth idea in one picture. Points beyond the axis are pinned to the edge and marked off-scale rather than allowed to compress everything else.
Fundamentals, head-to-head
CUBI
IFS
+16.6%B+
Rev
+5.7%C+
9.6xA-
P/E
9.9xA-
14.3%B
ROE
17.2%B+
1.21B+
P/B
1.60B
0.0%C
Yield
3.3%B
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
The companies
CUBICustomers Bancorp, Inc.
Why now
Banks - Regional · market cap $2.7b. 6% off the 52-week high of $84.38. Revenue growing +17%, comfortably above the S&P median. 11 sell-side analysts publish a mean 1-yr target of $94.00 (implying +19% upside).
Moat
Net margin 35% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 14% meets the long-run market sustainable threshold — solid but not differentiated; the durability comes from elsewhere. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Beta 1.48 implies above-market volatility — position-size to the drawdowns this name will produce in a market correction, not to its bull-case return. Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
IFSIntercorp Financial Services Inc.
Why now
Banks - Regional · market cap $6.0b. 11% off the 52-week high of $61.38. PEG 0.68 — paying under fair value for the growth rate. 3 sell-side analysts publish a mean 1-yr target of $68.05 (implying +25% upside).
Moat
Net margin 36% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 17% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
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