CBU Community Bank System Inc

  1. Stocks
  2. Financial Services
  3. NYSE: CBU

Price (delayed)

$46.93

Market cap

$2.51B

P/E Ratio

16.76

Dividend/share

$1.77

EPS

$2.8

Enterprise value

$2.7B

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 stock's price to earnings (P/E) is 13% less than its 5-year quarterly average of 19.2 and 2.6% less than its last 4 quarters average of 17.2
The equity rose by 6% year-on-year but it has declined by 3.9% since the previous quarter
The debt has grown by 33% from the previous quarter and by 31% YoY
The EPS has decreased by 16% YoY and by 2.8% QoQ
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.communitybankna.com
Peers: TMP NBTB FLIC AROW

Key stats

What are the main financial stats of CBU
Market
Shares outstanding
53.39M
Market cap
$2.51B
Enterprise value
$2.7B
Valuations
Price to earnings (P/E)
16.76
Price to book (P/B)
1.62
Price to sales (P/S)
3.92
EV/EBIT
14.06
EV/EBITDA
12.22
EV/Sales
4.21
Earnings
Revenue
$641.19M
EBIT
$191.75M
EBITDA
$220.62M
Free cash flow
$244.89M
Per share
EPS
$2.8
Free cash flow per share
$4.58
Book value per share
$29.05
Revenue per share
$11.98
TBVPS
$270.61
Balance sheet
Total assets
$15.39B
Total liabilities
$13.83B
Debt
$647.09M
Equity
$1.55B
Working capital
N/A
Liquidity
Debt to equity
0.42
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.87
Margins
EBITDA margin
34.4%
Gross margin
100%
Net margin
23.5%
Operating margin
29.9%
Efficiency
Return on assets
1%
Return on equity
9.5%
Return on invested capital
1.3%
Return on capital employed
N/A
Return on sales
29.9%
Dividend
Dividend yield
3.77%
DPS
$1.77
Payout ratio
63.2%

CBU stock price

How has the Community Bank System stock price performed over time
Intraday
5.79%
1 week
4.92%
1 month
17.62%
1 year
-27.7%
YTD
-25.45%
QTD
11.18%

Financial performance

How have Community Bank System's revenue and profit performed over time
Revenue
$641.19M
Gross profit
$641.19M
Operating income
$191.75M
Net income
$150.75M
Gross margin
100%
Net margin
23.5%
CBU's operating income is down by 16% year-on-year and by 3.2% since the previous quarter
Community Bank System's net income has decreased by 16% YoY and by 2.9% from the previous quarter
The operating margin has declined by 16% year-on-year and by 3.5% since the previous quarter
The net margin has contracted by 15% YoY and by 3.3% from the previous quarter

Growth

What is Community Bank System's growth rate over time

Valuation

What is Community Bank System stock price valuation
CBU P/E details
P/E
16.76
P/B
1.62
P/S
3.92
EV/EBIT
14.06
EV/EBITDA
12.22
EV/Sales
4.21
The EPS has decreased by 16% YoY and by 2.8% QoQ
The stock's price to earnings (P/E) is 13% less than its 5-year quarterly average of 19.2 and 2.6% less than its last 4 quarters average of 17.2
The P/B is 10% lower than the 5-year quarterly average of 1.8 and 4.7% lower than the last 4 quarters average of 1.7
The equity rose by 6% year-on-year but it has declined by 3.9% since the previous quarter
The stock's price to sales (P/S) is 29% less than its 5-year quarterly average of 5.5 and 9% less than its last 4 quarters average of 4.3

Efficiency

How efficient is Community Bank System business performance
CBU's return on invested capital is down by 19% year-on-year
CBU's ROA is down by 17% YoY
The ROS has decreased by 16% YoY and by 3.5% QoQ
The company's return on equity fell by 6% YoY and by 4% QoQ

Dividends

What is CBU's dividend history
Dividend details
DPS
$1.77
Dividend yield
3.77%
Payout ratio
63.2%
Recent dividends

Financial health

How did Community Bank System financials performed over time
Community Bank System's total assets is 11% more than its total liabilities
The total liabilities is up by 2.5% since the previous quarter but it has declined by 2.1% year-on-year
The debt is 58% less than the equity
The company's debt to equity rose by 40% QoQ and by 24% YoY
The debt has grown by 33% from the previous quarter and by 31% YoY

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