CBU Community Bank System Inc

  1. Stocks
  2. Financial Services
  3. NYSE: CBU

Price (delayed)

$44.69

Market cap

$2.38B

P/E Ratio

18.24

Dividend/share

$1.79

EPS

$2.45

Enterprise value

$2.96B

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 equity rose by 9% year-on-year and by 9% since the previous quarter
The stock's price to earnings (P/E) is 6% less than its 5-year quarterly average of 19.4
The debt has contracted by 33% YoY but it has grown by 18% from the previous quarter
The EPS has decreased by 30% YoY and by 13% QoQ
Community Bank System's net income has decreased by 30% YoY and by 12% from the previous quarter
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.communitybankna.com
Peers: TMP NBTB FLIC AROW

Key stats

What are the main financial stats of CBU
Market
Shares outstanding
53.33M
Market cap
$2.38B
Enterprise value
$2.96B
Valuations
Price to earnings (P/E)
18.24
Price to book (P/B)
1.41
Price to sales (P/S)
3.72
EV/EBIT
17.58
EV/EBITDA
15.04
EV/Sales
4.61
Earnings
Revenue
$640.92M
EBIT
$168.23M
EBITDA
$196.58M
Free cash flow
$217.31M
Per share
EPS
$2.45
Free cash flow per share
$4.07
Book value per share
$31.81
Revenue per share
$12.01
TBVPS
$274.56
Balance sheet
Total assets
$15.56B
Total liabilities
$13.86B
Debt
$765.2M
Equity
$1.7B
Working capital
N/A
Liquidity
Debt to equity
0.45
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
2.92
Margins
EBITDA margin
30.7%
Gross margin
100%
Net margin
20.6%
Operating margin
26.2%
Efficiency
Return on assets
0.9%
Return on equity
8.1%
Return on invested capital
1.1%
Return on capital employed
N/A
Return on sales
26.2%
Dividend
Dividend yield
4.01%
DPS
$1.79
Payout ratio
73.1%

CBU stock price

How has the Community Bank System stock price performed over time
Intraday
-1.46%
1 week
5.2%
1 month
-1.74%
1 year
-3.16%
YTD
-14.24%
QTD
-6.95%

Financial performance

How have Community Bank System's revenue and profit performed over time
Revenue
$640.92M
Gross profit
$640.92M
Operating income
$168.23M
Net income
$131.92M
Gross margin
100%
Net margin
20.6%
CBU's operating income is down by 30% year-on-year and by 12% since the previous quarter
Community Bank System's net income has decreased by 30% YoY and by 12% from the previous quarter
The operating margin has declined by 28% year-on-year and by 12% since the previous quarter
The net margin has contracted by 27% YoY and by 12% from the previous quarter

Growth

What is Community Bank System's growth rate over time

Valuation

What is Community Bank System stock price valuation
CBU P/E details
P/E
18.24
P/B
1.41
P/S
3.72
EV/EBIT
17.58
EV/EBITDA
15.04
EV/Sales
4.61
The EPS has decreased by 30% YoY and by 13% QoQ
The stock's price to earnings (P/E) is 6% less than its 5-year quarterly average of 19.4
The P/B is 22% lower than the 5-year quarterly average of 1.8 and 12% lower than the last 4 quarters average of 1.6
The equity rose by 9% year-on-year and by 9% since the previous quarter
The stock's price to sales (P/S) is 31% less than its 5-year quarterly average of 5.4 and 9% less than its last 4 quarters average of 4.1
The revenue has declined by 3.6% year-on-year

Efficiency

How efficient is Community Bank System business performance
CBU's return on invested capital is down by 31% year-on-year and by 15% since the previous quarter
The company's return on equity fell by 30% YoY and by 15% QoQ
The ROS has decreased by 28% YoY and by 12% QoQ
CBU's ROA is down by 25% YoY and by 10% QoQ

Dividends

What is CBU's dividend history
Dividend details
DPS
$1.79
Dividend yield
4.01%
Payout ratio
73.1%
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 has declined by 3% year-on-year
The debt is 55% less than the equity
The company's debt to equity fell by 38% YoY but it rose by 7% QoQ
The debt has contracted by 33% YoY but it has grown by 18% from the previous quarter

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