CBU Community Bank System Inc

Price (delayed)

$60.97

Market cap

$3.28B

P/E Ratio

18.7

Dividend/share

$1.73

EPS

$3.26

Enterprise value

$3.39B

Community Bank System, Inc. operates more than 230 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont, and Western Massachusetts through its banking subsidiary, Community Bank, N.A. With assets of ...

Highlights
The stock's price to earnings (P/E) is 7% less than its last 4 quarters average of 20.1 and 3.1% less than its 5-year quarterly average of 19.3
The revenue has grown by 2.9% year-on-year
The debt has soared by 55% YoY and by 2.2% from the previous quarter
The equity has declined by 19% year-on-year and by 10% since the previous quarter

Key stats

What are the main financial stats of CBU
Market
Shares outstanding
53.73M
Market cap
$3.28B
Enterprise value
$3.39B
Valuations
Price to earnings (P/E)
18.7
Price to book (P/B)
1.98
Price to sales (P/S)
5.17
EV/EBIT
15.09
EV/EBITDA
13.29
EV/Sales
5.33
Earnings
Revenue
$636.22M
EBIT
$224.64M
EBITDA
$255.18M
Free cash flow
$200.92M
Per share
EPS
$3.26
Free cash flow per share
$3.73
Book value per share
$30.82
Revenue per share
$11.8
TBVPS
$270.26
Balance sheet
Total assets
$15.49B
Total liabilities
$13.83B
Debt
$312.49M
Equity
$1.66B
Working capital
N/A
Liquidity
Debt to equity
0.19
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.45
Margins
EBITDA margin
40.1%
Gross margin
100%
Net margin
27.6%
Operating margin
35.3%
Efficiency
Return on assets
1.1%
Return on equity
9.1%
Return on invested capital
1.7%
Return on capital employed
N/A
Return on sales
35.3%
Dividend
Dividend yield
2.84%
DPS
$1.73
Payout ratio
53.1%

CBU stock price

How has the Community Bank System stock price performed over time
Intraday
-1.6%
1 week
-4.76%
1 month
-7.57%
1 year
-12.03%
YTD
-18.14%
QTD
-3.65%

Financial performance

How have Community Bank System's revenue and profit performed over time
Revenue
$636.22M
Gross profit
$636.22M
Operating income
$224.64M
Net income
$175.76M
Gross margin
100%
Net margin
27.6%
The net margin has contracted by 10% YoY and by 5% from the previous quarter
The operating margin has declined by 9% year-on-year and by 6% since the previous quarter
Community Bank System's net income has decreased by 8% YoY and by 4.4% from the previous quarter
CBU's operating income is down by 6% year-on-year and by 4.9% since the previous quarter

Growth

What is Community Bank System's growth rate over time

Valuation

What is Community Bank System stock price valuation
P/E
18.7
P/B
1.98
P/S
5.17
EV/EBIT
15.09
EV/EBITDA
13.29
EV/Sales
5.33
The EPS has decreased by 8% YoY and by 4.4% QoQ
The stock's price to earnings (P/E) is 7% less than its last 4 quarters average of 20.1 and 3.1% less than its 5-year quarterly average of 19.3
The equity has declined by 19% year-on-year and by 10% since the previous quarter
The P/B is 10% higher than the 5-year quarterly average of 1.8 and 4.2% higher than the last 4 quarters average of 1.9
The stock's price to sales (P/S) is 12% less than its last 4 quarters average of 5.9 and 9% less than its 5-year quarterly average of 5.7
The revenue has grown by 2.9% year-on-year

Efficiency

How efficient is Community Bank System business performance
CBU's return on invested capital is down by 15% year-on-year and by 6% since the previous quarter
CBU's ROA is down by 15% YoY and by 8% QoQ
The ROS has decreased by 9% YoY and by 6% QoQ

Dividends

What is CBU's dividend history
DPS
$1.73
Dividend yield
2.84%
Payout ratio
53.1%
Recent dividends

Financial health

How did Community Bank System financials performed over time
Community Bank System's total assets is 12% more than its total liabilities
The total liabilities is up by 9% year-on-year
Community Bank System's total assets has increased by 4.6% YoY
The debt is 81% less than the equity
The company's debt to equity has surged by 90% YoY and by 12% QoQ
The debt has soared by 55% YoY and by 2.2% from the previous quarter

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.