CBU Community Bank System Inc

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

Price (delayed)

$49.54

Market cap

$2.66B

P/E Ratio

18.21

Dividend/share

$1.75

EPS

$2.72

Enterprise value

$2.85B

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 4.7% less than its 5-year quarterly average of 19.1 and 2.6% less than its last 4 quarters average of 18.7
The debt has plunged by 67% from the previous quarter but it has grown by 24% YoY
The equity has declined by 12% year-on-year but it rose by 5% since the previous quarter
The EPS has decreased by 22% QoQ and by 20% YoY
Community Bank System's net income has decreased by 22% from the previous quarter and by 20% YoY
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
53.73M
Market cap
$2.66B
Enterprise value
$2.85B
Valuations
Price to earnings (P/E)
18.21
Price to book (P/B)
1.63
Price to sales (P/S)
4.26
EV/EBIT
15.22
EV/EBITDA
13.11
EV/Sales
4.56
Earnings
Revenue
$625.97M
EBIT
$187.46M
EBITDA
$217.55M
Free cash flow
$229.32M
Per share
EPS
$2.72
Free cash flow per share
$4.26
Book value per share
$30.39
Revenue per share
$11.64
TBVPS
$266.95
Balance sheet
Total assets
$15.26B
Total liabilities
$13.62B
Debt
$380.29M
Equity
$1.63B
Working capital
N/A
Liquidity
Debt to equity
0.23
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.88
Margins
EBITDA margin
34.8%
Gross margin
100%
Net margin
23.5%
Operating margin
29.9%
Efficiency
Return on assets
0.9%
Return on equity
9.3%
Return on invested capital
1.2%
Return on capital employed
N/A
Return on sales
29.9%
Dividend
Dividend yield
3.53%
DPS
$1.75
Payout ratio
64.3%

CBU stock price

How has the Community Bank System stock price performed over time
Intraday
1.83%
1 week
3.66%
1 month
6.54%
1 year
-24.6%
YTD
-21.3%
QTD
-5.62%

Financial performance

How have Community Bank System's revenue and profit performed over time
Revenue
$625.97M
Gross profit
$625.97M
Operating income
$187.46M
Net income
$146.82M
Gross margin
100%
Net margin
23.5%
CBU's operating income is down by 22% since the previous quarter and by 21% year-on-year
Community Bank System's net income has decreased by 22% from the previous quarter and by 20% YoY
The operating margin has declined by 20% year-on-year and by 17% since the previous quarter
The net margin has contracted by 19% YoY and by 17% 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
18.21
P/B
1.63
P/S
4.26
EV/EBIT
15.22
EV/EBITDA
13.11
EV/Sales
4.56
The EPS has decreased by 22% QoQ and by 20% YoY
The stock's price to earnings (P/E) is 4.7% less than its 5-year quarterly average of 19.1 and 2.6% less than its last 4 quarters average of 18.7
The P/B is 19% lower than the last 4 quarters average of 2.0 and 9% lower than the 5-year quarterly average of 1.8
The equity has declined by 12% year-on-year but it rose by 5% since the previous quarter
The stock's price to sales (P/S) is 24% less than its 5-year quarterly average of 5.6 and 15% less than its last 4 quarters average of 5.0
The revenue has declined by 6% since the previous quarter

Efficiency

How efficient is Community Bank System business performance
CBU's return on invested capital is down by 33% year-on-year and by 25% since the previous quarter
CBU's ROA is down by 25% QoQ and by 25% YoY
The ROS has decreased by 20% YoY and by 17% QoQ
The company's return on equity fell by 19% QoQ but it rose by 2.2% YoY

Dividends

What is CBU's dividend history
Dividend details
DPS
$1.75
Dividend yield
3.53%
Payout ratio
64.3%
Recent dividends

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 has declined by 4.6% since the previous quarter
Community Bank System's total assets has decreased by 3.7% from the previous quarter and by 2.4% YoY
The debt is 77% less than the equity
The company's debt to equity has shrunk by 68% QoQ but it rose by 35% YoY
The debt has plunged by 67% from the previous quarter but it has grown by 24% YoY

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