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Insufficient data to determine institutional momentum.
Data as of Q3 2026
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Ranked against 19 sector peers with collected financials. Valuation from latest close × latest fiscal-year fundamentals; 13F conviction as of 2026-09-30.
Percentile is “goodness” within the peer set (100 = best). For valuation and leverage that means cheaper / less-levered ranks higher.
| Company | Mkt cap ▼ | P/E | EV/EBITDA | P/S | Rev gr | Gross | Net | ROE | ROIC | Net D/EBITDA | 13F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| STT | $47.4B | 18.5× | — | 3.4× | 7.3% | — | 21.1% | 10.6% | 10.6% | — | 388 |
| NTRS | $31.6B | 19.8× | — | 3.9× | -2.5% | — | 21.5% | 13.4% | 13.4% | — | 272 |
| CFG | $27.7B | 17.0× | — | 3.4× | 5.6% | — | 22.2% | 7.0% | 4.9% | — | 319 |
| FCNCA | $26.5B | 14.4× | — | 2.8× | -2.2% | — | 23.1% | 9.9% | 3.8% | — | 162 |
| ALLY | $12.1B | 16.7× | — | 1.5× | -3.3% | — | 10.8% | 5.5% | 2.5% | — | 140 |
| UCB | $4.5B | 14.2× | — | 4.2× | 11.7% | — | 30.9% | 9.0% | 8.5% | — | 84 |
| FBP | $4.0B | 12.4× | — | 3.2× | 2.4% | — | 27.5% | 17.5% | 15.3% | — | 67 |
| FHB | $3.1B | 11.7× | — | 3.5× | 8.9% | — | 31.4% | 10.0% | 10.0% | — | 74 |
| BUSE | $2.4B | 20.1× | — | 3.4× | 55.7% | — | 18.8% | 5.5% | 5.5% | — | 61 |
| GABC | $1.9B | 16.1× | — | 3.8× | 37.8% | — | 23.1% | 9.7% | 8.9% | — | 39 |
| PEBO | $1.4B | 13.0× | 13.5× | 16.1× | 2.3% | — | — | 8.8% | 5.5% | 3.8× | 41 |
| UVSP | $1.1B | 12.6× | — | 3.3× | 9.6% | — | 27.7% | 9.6% | 9.4% | — | 49 |
| FMNB | $934M | 10.9× | — | 3.3× | 3.9% | — | 19.5% | 11.2% | 6.4% | — | 33 |
| WASH | $750M | 14.5× | — | 3.3× | 128% | — | 22.8% | 9.6% | 9.6% | — | 39 |
| CUBB | $718M | 3.4× | — | — | — | — | — | 10.6% | 10.6% | — | 1 |
| ACNB | $667M | 18.2× | — | 3.5× | 45.1% | — | 19.3% | 8.8% | 5.0% | — | 22 |
| COFS | $523M | 17.4× | — | 2.3× | 63.6% | — | 12.4% | 6.1% | 6.1% | — | 23 |
| CFFI | $362M | 13.4× | — | 2.6× | 10.6% | — | 19.1% | 10.3% | 9.5% | — | 11 |
| MYFW | $307M | 23.5× | — | 3.2× | 7.6% | — | 13.6% | 5.0% | 5.0% | — | 17 |
| MNSB | $153M | 12.2× | — | 1.1× | -1.6% | 54.3% | 11.5% | 7.1% | 7.1% | — | 16 |
Peers = companies sharing CUBB's sector (State Commercial Banks) with collected SEC financials. Multiples use the most recent end-of-day close and latest fiscal-year fundamentals (trailing, not forward). Missing cells mean the peer never reported that line item, has no collected price, or has a non-positive denominator. Not investment advice.
Total return (dividends reinvested) vs the market, from quarter-end prices.
Above 0 = ahead of the S&P 500 since the window start; below 0 = behind. Rising means it's pulling ahead.
How far the stock fell below its prior peak. Deeper, longer drawdowns = a rougher ride to the same return.
Quarter-end, dividend-adjusted (total return). Beta & volatility from quarterly returns (annualized). Benchmark is the S&P 500 (SPY total return). Annual returns compound the quarters ending in each calendar year; the first and last years in a window may be partial. Past performance doesn't predict future results.
Last reported position per insider, carried forward. Steps can be a holding disclosed for the first time rather than a trade.
| Date | Insider | What it was | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-10-24 | Watkins Philip EVP, Head of Corp Development | Tax withholding | 3,332 | $84.54 | $282k |
| 2026-09-15 | Krasne Robert Morris Director | Grant | 847 | $78.91 | $67k |
| 2026-09-15 | Looney Susan Dianne Director | Grant | 625 | $78.91 | $49k |
| 2026-09-15 | Banks Bernard Bennett Director | Grant |
Every row is classified by what it MEANT, not by its SEC code. A code is not a meaning: code P (“purchase”) also covers dividend reinvestment and employee stock purchase plans, and code S (“sale”) also covers 10b5-1 plan sales scheduled months earlier and option exercises sold the same day.
Across 30 days of all filings, $5.08bn of insider selling contained $3.50bn of plan sales and $0.46bn of exercise-and-sell. Only 29% was discretionary. Reading an unclassified feed badly overstates how much insiders decided.
Buys and sales are counted separately and never netted. They are different decisions by different people; a company where one officer bought while another sold is not “neutral”.
The holding line carries each insider's last reported position forward, so it shows the total held rather than a sawtooth of whoever traded that day. It covers only insiders who filed in the window.
“Filed late” counts calendar days past the two-business-day deadline with five days' grace, so a Thursday or Friday trade crossing a weekend is never flagged. It describes the company's filing discipline, not the trade.
Insider activity is descriptive. Nothing here is investment advice.
| 879 |
| $78.91 |
| $69k |
| 2026-09-15 | Gill Mike Director | Grant | 625 | $78.91 | $49k |
| 2026-09-15 | Allon Andrea R. Director | Grant | 625 | $78.91 | $49k |
| 2026-09-15 | Zuckerman Steven J Director | Grant | 1,053 | $78.91 | $83k |
| 2026-09-15 | Way T Lawrence Director | Grant | 847 | $78.91 | $67k |
| 2026-09-15 | Buford Robert J Director | Grant | 847 | $78.91 | $67k |
| 2026-09-15 | Sirmans Dalton Talley Director | Grant | 736 | $78.91 | $58k |
| 2026-09-03 | Robinson Nicholas John Chief Risk Officer | Tax withholding | 479 | $79.64 | $38k |
| 2026-08-13 | Allon Andrea R. Director | Open-market sale | 10,000 | $82.81 | $828k |
| 2026-08-03 | Sidhu Jay S Chairman | Open-market sale | 68,821 | $80.09 | $5.5m |
| 2026-07-30 | 2 co-filers Chairman | Open-market sale | 835 | $79.00 | $66k |
| 2026-07-29 | 2 co-filers Chairman | Open-market sale | 30,344 | $79.20 | $2.4m |
| 2026-06-15 | Sirmans Dalton Talley Director | Grant | 737 | $78.21 | $58k |
| 2026-06-15 | Krasne Robert Morris Director | Grant | 849 | $78.21 | $66k |
| 2026-06-15 | Looney Susan Dianne Director | Grant | 625 | $78.21 | $49k |
| 2026-06-15 | Mackay Robert Neil Director | Grant | 522 | $78.21 | $41k |
| 2026-06-15 | Banks Bernard Bennett Director | Grant | 881 | $78.21 | $69k |
| 2026-06-15 | Gill Mike Director | Grant | 625 | $78.21 | $49k |
| 2026-06-15 | Allon Andrea R. Director | Grant | 625 | $78.21 | $49k |
| 2026-06-15 | Zuckerman Steven J Director | Grant | 958 | $78.21 | $75k |
| 2026-06-15 | Way T Lawrence Director | Grant | 849 | $78.21 | $66k |
| 2026-06-15 | Buford Robert J Director | Grant | 849 | $78.21 | $66k |
| 2026-06-15 | Rothermel Daniel K Director | Grant | 385 | $78.21 | $30k |
| 2026-05-29 | 5 co-filers Chief Banking Officer | Option exercise | 5,123 | $19.28 | $99k |
| 2026-05-29 | 5 co-filers Chief Banking Officer | Option exercise | 10,000 | $28.37 | $284k |
| 2026-05-29 | 5 co-filers Chief Banking Officer | Exercise & sell | 47,914 | $75.03 | $3.6m |
| 2026-05-29 | 5 co-filers Chief Banking Officer | Option exercise | 10,000 | $28.37 | — |
| 2026-05-29 | 5 co-filers Chief Banking Officer | Option exercise | 5,123 | $19.28 | — |
| 2026-05-27 | 3 co-filers Chairman | Open-market sale | 60,315 | $76.23 | $4.6m |
| 2026-05-12 | Sidhu Samvir S. CEO | Open-market buy | 1,000 | $72.58 | $73k |
| 2026-05-11 | Watkins Philip EVP, Head of Corp Development | Open-market sale | 3,000 | $75.67 | $227k |
| 2026-04-12 | Sidhu Samvir S. CEO | Tax withholding | 1,389 | $73.99 | $103k |
| 2026-04-12 | Sidhu Jay S Chairman | Tax withholding | 1,325 | $73.99 | $98k |
| 2026-04-08 | Sidhu Jay S Chairman | Tax withholding | 1,461 | $73.80 | $108k |
| 2026-04-08 | Watkins Philip EVP, Head of Corp Development | Tax withholding | 568 | $73.80 | $42k |
| 2026-04-08 | Sidhu Samvir S. CEO | Tax withholding | 1,562 | $73.80 | $115k |
| 2026-04-08 | 2 co-filers CEO | Grant45d late | 5,285 | $73.80 | $390k |
A reverse discounted cash flow is not shown for a bank.
Funded by deposits, so debt-weighted leverage and a WACC are not defined. Capital adequacy (CET1, LCR) is the right question and is not collected yet.
Classified from the filings: SIC code.
What the company returns to shareholders — and whether it's covered by cash.
No dividend to cover. Last year: $0 dividends + $5.6M buybacks = $5.6M returned on $481.0M FCF.
Yields use the latest fiscal-year dividends/buybacks over current market cap. Dividends and buybacks from the SEC cash-flow statement; payout coverage vs net income and free cash flow. Educational — not a recommendation.
How management deployed cash over 10 years — and what it earned on reinvestment.
A cash-return story — far more went to shareholders than back into the business (mature, low-reinvestment).
Insufficient data. Current ROIC on all capital: 11%. Rough measure (includes maintenance capex).
Cash uses aggregated from the SEC cash-flow statement over 10 fiscal years. "Return on reinvestment" is a rough proxy — operating-income change ÷ cumulative CapEx + M&A — and includes maintenance capex. Educational — not a recommendation.
EOD close · as of 2026-10-30
Where each multiple sits in its own 7-yr range · 43th pct blended
Dot = today · shaded = middle 50% · line = median. Lower percentile = cheaper vs its own 7-yr history.
Is the profit real, and how strong is the balance sheet?
FY2025 · every deduction from revenue to net income
DuPont — the three levers
ROE 11% against ROIC 11% — 0% of the return on equity comes from leverage and buybacks rather than from the operating business.
What the company owes vs. what it holds
This shows debt/cash structure and net leverage. The year-by-year maturity schedule is on the Debt & Leverage tab.
Latest year: profit growth vs revenue growth
Operating leverage needs meaningful revenue change.
Each line as % of revenue — the trend in color
| % of revenue | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|
| Income Tax | 44.8 | 56.5 | 116.2 | — | — | — | — | — |
| Net Income | 165.8 | 169.8 | 329.8 | — | — | — | — | — |
Green = margin-favorable vs the row's own range · red = unfavorable.
The metrics that matter, over time
A 30-second read on CUBB: price, valuation and headline fundamentals from SEC filings. The four questions at the top of the page are where the judgements live.
Leverage ratios is not shown for a bank.
Funded by deposits, so debt-weighted leverage and a WACC are not defined. Capital adequacy (CET1, LCR) is the right question and is not collected yet.
Classified from the filings: SIC code.
How much the company owes, how it's trended, and how comfortably it's serviced.
Cash of $264.7M covers the $0 due within a year 264709000.0× over. Scheduled principal only (excludes interest & revolver draws). As of 2016-12-31 (10-K).
Interest expense isn't separately reported — often netted into “other income (expense), net.” Interest last disclosed in FY2023 (no longer broken out).
Cash of $4.41B fully covers short-term debt of $0.
Short-term / long-term split not separately reported.
Debt, cash, interest and equity from the SEC balance sheet & income statement. Effective rate = interest ÷ average debt. Maturity ladder from the SEC long-term-debt repayment schedule. Educational — not a recommendation.
No positive operating income in the last three years, so there is no return on capital to compare against its cost.
| Fiscal year | Gross margin | Operating margin | Net margin |
|---|---|---|---|
| FY2017 | not reported | not reported | 140.9% |
| FY2018 | not reported | not reported | 165.8% |
| FY2019 | not reported | not reported | 169.8% |
| FY2020 | not reported | not reported | 329.8% |
Return on equity (11%) and return on invested capital (11%) are within a couple of points in FY2025, so the headline return is the operating return — there is no meaningful leverage effect to strip out.
No material counter-signal in the checked set: ROIC vs WACC spread, 5-year spread history, gross margin trend, operating margin trend, net margin against 3 years ago, revenue growth, ROIC ex-goodwill gap.
Missing from our data, so excluded from this answer: positive EBIT.
Converts 0.86x of reported profit into cash — adequate, without much margin.
Shares outstanding are up 9% since FY2019 — per-share cash flow has grown more slowly than the totals above, and the gap is the owners'.
Leverage is not measurable this way for a bank.
This schedule comes from a filing dated 2016-12-31, 3591 days old. Maturities are shown relative to that date, not to today.
Ladder as of 2016-12-31 (10-K); cash from the 2016-12-31 balance sheet; FCF from FY2016.
Balance sheet at 2016-12-31. Undrawn revolving credit is not shown: the tag is collected but not yet mapped through to the API.
Funded by deposits, so debt-weighted leverage and a WACC are not defined. Capital adequacy (CET1, LCR) is the right question and is not collected yet.
Missing from our data, so excluded from this answer: capital adequacy metrics for this archetype.
No growth rate within the range this model can express reaches the current price, so the requirement cannot be stated as a number.
The percentile ranks the FISCAL-YEAR point, because the distribution behind each strip is built from fiscal-year closes — ranking a TTM figure inside it would compare two different bases. TTM basis: TTM.
No material counter-signal in the checked set: reverse-DCF implied growth, historical FCF CAGR, per-year FCF growth distribution, reporting-basis breaks, discount rate used, free-cash-flow basis (stock comp charged?).
Missing from our data, so excluded from this answer: implied_growth.
| Step | Amount | Running total |
|---|---|---|
| Net income | $224M | $224M |
| Share-based comp | $18M | $243M |
| Other non-cash & working capital | $252M | $495M |
| Operating cash flow | $495M | $495M |
| Capex | −$14M | $481M |
| Free cash flow | $481M | $481M |
| FCF after SBC | $463M | $463M |
| Fiscal year | Accruals / assets |
|---|---|
| FY2019 | 0.0 percent |
| FY2020 | 0.0 percent |
| FY2021 | not reported |
| FY2022 | 1.2 percent |
| FY2023 | 0.6 percent |
| FY2024 | 0.2 percent |
| FY2025 | -1.1 percent |
SBC is added back inside operating cash flow, so reported free cash flow treats shares issued to employees as free. Percent of revenue says how expensive the payroll is; percent of operating cash flow says how much of the cash exists only because the charge was added back. The buyback offset is buybacks over SBC — below 1.0 the repurchase does not cover the shares issued.
Figures are the latest fiscal year (FY2025) from the company's own filings, not a trailing-twelve-month window — Q2 reads fiscal years throughout so the cash-conversion ratios and these share one basis. A blank is a line the filer did not report; it is never read as zero.
EOD close · as of 2026-10-30
How a revenue dollar becomes profit — FY2025
Each value shows its share of revenue below it (common-size).
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | $40.2M 100.0% | $46.7M 100.0% | $43.2M 100.0% | $56.0M 100.0% | — |
| Interest Expense | — | — | $679.9M | $261.7M | $95.8M | $139.6M 347.4% | $186.4M 399.0% | $160.1M 370.2% | $105.5M 188.5% | $73.0M |
| Pretax Income | $288.4M | $224.4M | $330.7M | $291.3M | $441.2M | $189.8M 472.1% | $107.8M 230.7% | $91.1M 210.6% | $123.9M 221.4% | $124.6M |
| Income Tax Expense | $64.3M | $42.9M | $80.6M | $63.3M | $86.9M | $46.7M 116.2% | $26.4M 56.5% | $19.4M 44.8% | $45.0M 80.5% | $45.9M |
| Net Income | $224.1M | $181.5M | $250.1M | $228.0M | $314.6M | $132.6M 329.8% | $79.3M 169.8% | $71.7M 165.8% | $78.8M 140.9% | $78.7M |
| Per Share | ||||||||||
| EPS (Basic) | $6.46 | $5.28 | $7.49 | $6.69 | $9.29 | $3.76 | $2.08 | $1.81 | $2.10 | $2.51 |
| EPS (Diluted) | $6.26 | $5.09 | $7.32 | $6.51 | $8.91 | $3.74 | $2.05 | $1.78 | $1.97 | $2.31 |
| Weighted Avg Shares (Basic) | 32.4M | 31.5M | 31.4M | 32.6M | 32.3M | 31.5M | 31.2M | 31.6M | 30.7M | 27.6M |
| Weighted Avg Shares (Diluted) | 33.4M | 32.7M | 32.2M | 33.5M | 33.7M | 31.7M | 31.6M | 32.2M | 32.6M | 30.0M |
Source: SEC EDGAR XBRL filings (annual, fiscal year). Quarterly flow items are derived from cumulative filings; balance-sheet figures are as-of each period end. Ratios and margins are computed, not reported.