CBU Community Bank System Inc

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

Price (delayed)

$62.82

Market cap

$3.32B

P/E Ratio

20.13

Dividend/share

$1.8

EPS

$3.12

Enterprise value

$3.66B

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 EPS has increased by 27% QoQ and by 15% YoY
Community Bank System's net income has increased by 27% from the previous quarter and by 14% YoY
The debt has soared by 79% YoY but it has contracted by 11% from the previous quarter
The stock's price to earnings (P/E) is 18% more than its last 4 quarters average of 17.0 and 4.5% more than its 5-year quarterly average of 19.2
The equity has declined by 2.4% since 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
52.77M
Market cap
$3.32B
Enterprise value
$3.66B
Valuations
Price to earnings (P/E)
20.13
Price to book (P/B)
2.02
Price to sales (P/S)
4.85
EV/EBIT
17.07
EV/EBITDA
15.09
EV/Sales
5.3
Earnings
Revenue
$691.02M
EBIT
$214.3M
EBITDA
$242.49M
Free cash flow
$220.92M
Per share
EPS
$3.12
Free cash flow per share
$4.14
Book value per share
$31.07
Revenue per share
$12.96
TBVPS
$280.42
Balance sheet
Total assets
$15.86B
Total liabilities
$14.2B
Debt
$682.36M
Equity
$1.66B
Working capital
N/A
Liquidity
Debt to equity
0.41
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.42
Margins
EBITDA margin
35.1%
Gross margin
100%
Net margin
24.2%
Operating margin
31%
Efficiency
Return on assets
1.1%
Return on equity
10.2%
Return on invested capital
1.4%
Return on capital employed
N/A
Return on sales
31%
Dividend
Dividend yield
2.87%
DPS
$1.8
Payout ratio
57.7%

CBU stock price

How has the Community Bank System stock price performed over time
Intraday
0.37%
1 week
7.11%
1 month
39.2%
1 year
18.93%
YTD
20.55%
QTD
33.07%

Financial performance

How have Community Bank System's revenue and profit performed over time
Revenue
$691.02M
Gross profit
$691.02M
Operating income
$214.3M
Net income
$167M
Gross margin
100%
Net margin
24.2%
CBU's operating income is up by 27% since the previous quarter and by 14% year-on-year
Community Bank System's net income has increased by 27% from the previous quarter and by 14% YoY
The operating margin is up by 18% since the previous quarter and by 3.7% year-on-year
The net margin has grown by 17% from the previous quarter and by 3% YoY

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
20.13
P/B
2.02
P/S
4.85
EV/EBIT
17.07
EV/EBITDA
15.09
EV/Sales
5.3
The EPS has increased by 27% QoQ and by 15% YoY
The stock's price to earnings (P/E) is 18% more than its last 4 quarters average of 17.0 and 4.5% more than its 5-year quarterly average of 19.2
The P/B is 26% higher than the last 4 quarters average of 1.6 and 12% higher than the 5-year quarterly average of 1.8
The equity has declined by 2.4% since the previous quarter
The stock's price to sales (P/S) is 24% more than its last 4 quarters average of 3.9 but 9% less than its 5-year quarterly average of 5.3
The revenue has grown by 10% year-on-year and by 8% since the previous quarter

Efficiency

How efficient is Community Bank System business performance
CBU's return on invested capital is up by 27% since the previous quarter and by 17% year-on-year
The company's return on equity rose by 26% QoQ and by 10% YoY
CBU's ROA is up by 22% QoQ and by 22% YoY
The ROS has increased by 18% QoQ and by 3.7% YoY

Dividends

What is CBU's dividend history
Dividend details
DPS
$1.8
Dividend yield
2.87%
Payout ratio
57.7%
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 4.3% year-on-year and by 2.5% since the previous quarter
Community Bank System's total assets has increased by 4% YoY
The debt is 59% less than the equity
The debt has soared by 79% YoY but it has contracted by 11% from the previous quarter
The company's debt to equity has surged by 78% YoY but it fell by 9% QoQ

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