CBU Community Bank System Inc
Price (delayed)
$63.15
Market cap
$3.32B
P/E Ratio
20.11
Dividend/share
$1.82
EPS
$3.14
Enterprise value
$3.92B
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 15% year-on-year and by 7% since the previous quarter
The EPS has increased by 12% YoY
The debt has grown by 47% YoY
The stock's price to earnings (P/E) is 14% more than its last 4 quarters average of 17.6 and 7% more than its 5-year quarterly average of 18.8
Key stats
What are the main financial stats of CBU
Market
Valuations
Earnings
Shares outstanding
52.56M
Market cap
$3.32B
Enterprise value
$3.92B
Price to earnings (P/E)
20.11
Price to book (P/B)
1.86
Price to sales (P/S)
4.7
EV/EBIT
18.16
EV/EBITDA
16.05
EV/Sales
5.55
Revenue
$706.34M
Gross profit
$706.34M
Operating income
$215.96M
Net income
$166.39M
EBIT
$215.96M
EBITDA
$244.39M
Free cash flow
$207.7M
Per share
Balance sheet
Liquidity
EPS
$3.14
EPS diluted
$3.13
Free cash flow per share
$3.95
Book value per share
$33.97
Revenue per share
$13.44
TBVPS
$295.07
Total assets
$16.4B
Total liabilities
$14.62B
Debt
$948.42M
Equity
$1.78B
Working capital
N/A
Debt to equity
0.53
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
2.46
Margins
Efficiency
Dividend
EBITDA margin
34.6%
Gross margin
100%
Net margin
23.6%
Operating margin
30.6%
Return on assets
1%
Return on equity
9.8%
Return on invested capital
1.4%
Return on capital employed
N/A
Return on sales
30.6%
Dividend yield
2.88%
DPS
$1.82
Payout ratio
58%
CBU stock price
How has the Community Bank System stock price performed over time
Intraday
-1.24%
1 week
-2.92%
1 month
-3.34%
1 year
40.93%
YTD
2.38%
QTD
2.38%
Financial performance
How have Community Bank System's revenue and profit performed over time
Revenue
$706.34M
Gross profit
$706.34M
Operating income
$215.96M
Net income
$166.39M
Gross margin
100%
Net margin
23.6%
CBU's operating income is up by 13% year-on-year
The revenue has grown by 10% year-on-year
Community Bank System's net income has increased by 10% YoY
Community Bank System's gross profit has increased by 10% YoY
Growth
What is Community Bank System's growth rate over time
Valuation
What is Community Bank System stock price valuation
P/E
20.11
P/B
1.86
P/S
4.7
EV/EBIT
18.16
EV/EBITDA
16.05
EV/Sales
5.55
The stock's price to earnings (P/E) is 14% more than its last 4 quarters average of 17.6 and 7% more than its 5-year quarterly average of 18.8
The EPS has increased by 12% YoY
The P/B is 16% higher than the last 4 quarters average of 1.6 and 3.3% higher than the 5-year quarterly average of 1.8
The equity rose by 15% year-on-year and by 7% since the previous quarter
The stock's price to sales (P/S) is 18% more than its last 4 quarters average of 4.0 but 8% less than its 5-year quarterly average of 5.1
The revenue has grown by 10% year-on-year
Efficiency
How efficient is Community Bank System business performance
CBU's ROA is down by 9% QoQ
CBU's return on invested capital is up by 8% year-on-year
The company's return on equity rose by 3.2% YoY but it fell by 3% QoQ
The ROS has increased by 2.3% YoY
Dividends
What is CBU's dividend history
DPS
$1.82
Dividend yield
2.88%
Payout ratio
58%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Community Bank System financials performed over time
Community Bank System's total assets is 12% more than its total liabilities
Community Bank System's total assets has increased by 7% YoY and by 3.1% from the previous quarter
The total liabilities is up by 6% year-on-year and by 2.7% since the previous quarter
The debt is 47% less than the equity
The debt has grown by 47% YoY
The company's debt to equity rose by 26% YoY but it fell by 5% QoQ
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.