CBU Community Bank System Inc

Price (delayed)

$79.66

Market cap

$4.29B

P/E Ratio

23.99

Dividend/share

$1.68

EPS

$3.32

Enterprise value

$2.41B

Highlights
The debt has contracted by 28% from the previous quarter and by 11% YoY
Community Bank System's net income has increased by 8% from the previous quarter and by 6% YoY
The stock's price to earnings (P/E) is 20% more than its 5-year quarterly average of 20.0 and 20% more than its last 4 quarters average of 20.0
The equity has declined by 6% since the previous quarter

Key stats

What are the main financial stats of CBU
Market
Shares outstanding
53.88M
Market cap
$4.29B
Enterprise value
$2.41B
Valuations
Price to earnings (P/E)
23.99
Price to book (P/B)
2.17
Price to sales (P/S)
7.15
EV/EBIT
10.87
EV/EBITDA
9.56
EV/Sales
4.03
Earnings
Revenue
$597.73M
EBIT
$221.62M
EBITDA
$251.95M
Free cash flow
$202.35M
Per share
EPS
$3.32
Free cash flow per share
$3.77
Book value per share
$36.73
Revenue per share
$11.14
TBVPS
$256.68
Balance sheet
Total assets
$14.62B
Total liabilities
$12.65B
Debt
$267.02M
Equity
$1.97B
Working capital
N/A
Liquidity
Debt to equity
0.14
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-7.48
Margins
EBITDA margin
42.2%
Gross margin
100%
Net margin
29.7%
Operating margin
37.1%
Efficiency
Return on assets
1.3%
Return on equity
8.6%
Return on invested capital
1.9%
Return on capital employed
N/A
Return on sales
37.1%
Dividend
Dividend yield
2.11%
DPS
$1.68
Payout ratio
50.6%

CBU stock price

How has the Community Bank System stock price performed over time
Intraday
-0.13%
1 week
-0.44%
1 month
-1.8%
1 year
36.64%
YTD
27.84%
QTD
3.83%

Financial performance

How have Community Bank System's revenue and profit performed over time
Revenue
$597.73M
Gross profit
$597.73M
Operating income
$221.62M
Net income
$177.39M
Gross margin
100%
Net margin
29.7%
Community Bank System's net income has increased by 8% from the previous quarter and by 6% YoY
CBU's operating income is up by 8% since the previous quarter and by 7% year-on-year
The net margin has grown by 4.9% from the previous quarter and by 3.8% YoY
The operating margin is up by 4.8% since the previous quarter and by 4.5% year-on-year

Growth

What is Community Bank System's growth rate over time

Valuation

What is Community Bank System stock price valuation
P/E
23.99
P/B
2.17
P/S
7.15
EV/EBIT
10.87
EV/EBITDA
9.56
EV/Sales
4.03
The stock's price to earnings (P/E) is 20% more than its 5-year quarterly average of 20.0 and 20% more than its last 4 quarters average of 20.0
The EPS has increased by 7% QoQ and by 3.1% YoY
The P/B is 36% higher than the last 4 quarters average of 1.6 and 28% higher than the 5-year quarterly average of 1.7
The equity has declined by 6% since the previous quarter
The stock's price to sales (P/S) is 28% more than its 5-year quarterly average of 5.6 and 26% more than its last 4 quarters average of 5.7
The revenue has grown by 2.6% since the previous quarter and by 2.3% year-on-year

Efficiency

How efficient is Community Bank System business performance
CBU's ROA is down by 13% YoY but it is up by 8% QoQ
The company's return on equity rose by 8% QoQ but it fell by 3.4% YoY
CBU's return on invested capital is up by 6% since the previous quarter but it is down by 5% year-on-year
The ROS has increased by 4.8% QoQ and by 4.5% YoY

Dividends

What is CBU's dividend history
DPS
$1.68
Dividend yield
2.11%
Payout ratio
50.6%
Recent dividends

Financial health

How did Community Bank System financials performed over time
Community Bank System's total assets is 16% more than its total liabilities
The total liabilities is up by 29% year-on-year and by 7% since the previous quarter
Community Bank System's total assets has increased by 24% YoY and by 4.9% from the previous quarter
The debt is 86% less than the equity
The debt has contracted by 28% from the previous quarter and by 11% YoY
The company's debt to equity fell by 22% QoQ and by 7% YoY

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