CBU Community Bank System Inc

Price (delayed)

$68.40

Market cap

$3.66B

P/E Ratio

22.35

Dividend/share

$1.66

EPS

$3.06

Enterprise value

$2.21B

Sector: Financial Services
Industry: Banks - Regional

Highlights

The equity rose by 14% year-on-year
Community Bank System's net income has decreased by 3.5% YoY but it has increased by 2.3% from the previous quarter
The debt has grown by 41% from the previous quarter and by 15% YoY
The stock's price to earnings (P/E) is 16% more than its last 4 quarters average of 19.2 and 13% more than its 5-year quarterly average of 19.7

Key stats

What are the main financial stats of CBU
Market
Shares outstanding
53.54M
Market cap
$3.66B
Enterprise value
$2.21B
Valuations
Price to earnings (P/E)
22.35
Price to book (P/B)
1.74
Price to sales (P/S)
6.36
EV/EBIT
11.08
EV/EBITDA
9.58
EV/Sales
3.83
Earnings
Revenue
$575.88M
EBIT
$199.08M
EBITDA
$230.23M
Free cash flow
$189.37M
Per share
EPS
$3.06
Free cash flow per share
$3.54
Book value per share
$39.21
Revenue per share
$10.76
TBVPS
$242.76
Balance sheet
Total assets
$13.85B
Total liabilities
$11.75B
Debt
$379.5M
Equity
$2.1B
Working capital
N/A
Liquidity
Debt to equity
0.18
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-6.33
Margins
EBITDA margin
40%
Gross margin
100%
Net margin
28%
Operating margin
34.6%
Efficiency
Return on assets
1.3%
Return on equity
8%
Return on invested capital
1.8%
Return on capital employed
N/A
Return on sales
34.6%
Dividend
Dividend yield
2.43%
DPS
$1.66
Payout ratio
54.2%

CBU stock price

How has the Community Bank System stock price performed over time
Intraday
0.15%
1 week
2.55%
1 month
4.19%
1 year
-3.27%
YTD
9.77%
QTD
9.77%

Financial performance

How have Community Bank System's revenue and profit performed over time
Revenue
$575.88M
Gross profit
$575.88M
Operating income
$199.08M
Net income
$161.08M
Gross margin
100%
Net margin
28%
The operating margin has declined by 5% year-on-year
CBU's operating income is down by 4.8% year-on-year but it is up by 2.1% since the previous quarter
The net margin has contracted by 3.8% YoY
Community Bank System's net income has decreased by 3.5% YoY but it has increased by 2.3% from the previous quarter

Growth

What is Community Bank System's growth rate over time

Valuation

What is Community Bank System stock price valuation
P/E
22.35
P/B
1.74
P/S
6.36
EV/EBIT
11.08
EV/EBITDA
9.58
EV/Sales
3.83
The stock's price to earnings (P/E) is 16% more than its last 4 quarters average of 19.2 and 13% more than its 5-year quarterly average of 19.7
The EPS has decreased by 5% YoY
The equity rose by 14% year-on-year
The P/B is 9% higher than the last 4 quarters average of 1.6 and 2.4% higher than the 5-year quarterly average of 1.7
The stock's price to sales (P/S) is 18% more than its last 4 quarters average of 5.4 and 16% more than its 5-year quarterly average of 5.5

Efficiency

How efficient is Community Bank System business performance
The company's return on equity fell by 15% YoY
CBU's return on invested capital is down by 14% year-on-year
CBU's ROA is down by 13% YoY
The ROS has decreased by 5% YoY

Dividends

What is CBU's dividend history
DPS
$1.66
Dividend yield
2.43%
Payout ratio
54.2%
Recent dividends

Financial health

How did Community Bank System financials performed over time
Community Bank System's total assets is 18% more than its total liabilities
The total liabilities is up by 20% year-on-year and by 3.4% since the previous quarter
Community Bank System's total assets has increased by 19% YoY and by 3% from the previous quarter
The debt is 82% less than the equity
The debt has grown by 41% from the previous quarter and by 15% YoY

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