I have been touting AGM over CUBI for the last year now. Take a look at the performance of the two in 2017. I owned both AGM and CUBI earlier this year. I broke even on CUBI, but made out huge on AGM. I still believe AGM is the far superior choice, with much less risk- and they pay a dividend ! Today AGM is $78, and CUBI is $27. It will interesting to watch these two in 2018.