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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
Valuations
Earnings
Shares outstanding
52.54M
Market cap
$3.04B
Enterprise value
$3.77B
Price to earnings (P/E)
18.48
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
Revenue
$697.6M
EBIT
$214.92M
EBITDA
$243.4M
Free cash flow
$213.78M
Per share
Balance sheet
Liquidity
EPS
$3.13
Free cash flow per share
$4.05
Book value per share
$31.65
Revenue per share
$13.22
TBVPS
$284.27
Total assets
$15.91B
Total liabilities
$14.24B
Debt
$932.17M
Equity
$1.67B
Working capital
N/A
Debt to equity
0.56
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
3
Margins
Efficiency
Dividend
EBITDA margin
34.9%
Gross margin
100%
Net margin
23.9%
Operating margin
30.8%
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 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.