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CBU Community Bank System Inc

Price (delayed)

$57.84

Market cap

$3.04B

P/E Ratio

18.48

Dividend/share

$1.81

EPS

$3.13

Enterprise value

$3.77B

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 9% YoY
The revenue has grown by 9% year-on-year
The stock's price to earnings (P/E) is 11% more than its last 4 quarters average of 16.7 but 2.7% less than its 5-year quarterly average of 19.0
The debt has soared by 92% YoY and by 37% from the previous quarter

Key stats

What are the main financial stats of CBU
Market
Shares outstanding
52.54M
Market cap
$3.04B
Enterprise value
$3.77B
Valuations
Price to book (P/B)
1.83
Price to sales (P/S)
4.38
EV/EBIT
17.54
EV/EBITDA
15.49
EV/Sales
5.4
Earnings
Revenue
$697.6M
EBIT
$214.92M
EBITDA
$243.4M
Free cash flow
$213.78M
Per share
EPS
$3.13
Free cash flow per share
$4.05
Book value per share
$31.65
Revenue per share
$13.22
TBVPS
$284.27
Balance sheet
Total assets
$15.91B
Total liabilities
$14.24B
Debt
$932.17M
Equity
$1.67B
Working capital
N/A
Liquidity
Debt to equity
0.56
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
3
Margins
EBITDA margin
34.9%
Gross margin
100%
Net margin
23.9%
Operating margin
30.8%
Efficiency
Return on assets
1.1%
Return on equity
10.1%
Return on invested capital
1.4%
Return on capital employed
N/A
Return on sales
30.8%
Dividend
Dividend yield
3.13%
DPS
$1.81
Payout ratio
57.8%

CBU stock price

How has the Community Bank System stock price performed over time
Intraday
1.62%
1 week
1.69%
1 month
0.7%
1 year
36.42%
YTD
11%
QTD
-0.4%

Financial performance

How have Community Bank System's revenue and profit performed over time
Revenue
$697.6M
Gross profit
$697.6M
Operating income
$214.92M
Net income
$166.62M
Gross margin
100%
Net margin
23.9%
The revenue has grown by 9% year-on-year
Community Bank System's gross profit has increased by 9% YoY
CBU's operating income is up by 8% year-on-year
Community Bank System's net income has increased by 7% YoY

Growth

What is Community Bank System's growth rate over time

Valuation

What is Community Bank System stock price valuation
P/E
18.48
P/B
1.83
P/S
4.38
EV/EBIT
17.54
EV/EBITDA
15.49
EV/Sales
5.4
The stock's price to earnings (P/E) is 11% more than its last 4 quarters average of 16.7 but 2.7% less than its 5-year quarterly average of 19.0
The EPS has increased by 9% YoY
The P/B is 22% higher than the last 4 quarters average of 1.5
The equity rose by 3.3% year-on-year
The stock's price to sales (P/S) is 16% less than its 5-year quarterly average of 5.2 but 15% more than its last 4 quarters average of 3.8
The revenue has grown by 9% year-on-year

Efficiency

How efficient is Community Bank System business performance
CBU's ROA is up by 10% YoY
CBU's return on invested capital is up by 8% year-on-year
The company's return on equity rose by 2% YoY

Dividends

What is CBU's dividend history
DPS
$1.81
Dividend yield
3.13%
Payout ratio
57.8%
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
The total liabilities is up by 6% year-on-year
Community Bank System's total assets has increased by 5% YoY
The debt is 44% less than the equity
The debt has soared by 92% YoY and by 37% from the previous quarter
The company's debt to equity has surged by 87% YoY and by 37% QoQ

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