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CBU Community Bank System Inc
- Stocks
- Financial Services
- NYSE: CBU
Price (delayed)
$56.24
Market cap
$2.97B
P/E Ratio
15.54
Dividend/share
$1.83
EPS
$3.62
Enterprise value
$3.32B
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 16% YoY and by 5% QoQ
The stock's price to earnings (P/E) is 16% less than its 5-year quarterly average of 18.6 and 8% less than its last 4 quarters average of 16.8
The debt has grown by 26% YoY but it has contracted by 14% from the previous quarter
Key stats
What are the main financial stats of CBU
Market
Valuations
Earnings
Shares outstanding
52.85M
Market cap
$2.97B
Enterprise value
$3.32B
Price to earnings (P/E)
15.54
Price to book (P/B)
1.62
Price to sales (P/S)
4
EV/EBIT
13.38
EV/EBITDA
11.98
EV/Sales
4.47
Revenue
$741.96M
Gross profit
$741.96M
Operating income
$247.93M
Net income
$191.22M
EBIT
$247.93M
EBITDA
$276.86M
Free cash flow
$201.65M
Per share
Balance sheet
Liquidity
EPS
$3.62
EPS diluted
$3.61
Free cash flow per share
$3.83
Book value per share
$34.79
Revenue per share
$14.08
TBVPS
$300.95
Total assets
$16.76B
Total liabilities
$14.93B
Debt
$862.04M
Equity
$1.83B
Working capital
N/A
Debt to equity
0.47
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.24
Margins
Efficiency
Dividend
EBITDA margin
37.3%
Gross margin
100%
Net margin
25.8%
Operating margin
33.4%
Return on assets
1.2%
Return on equity
10.8%
Return on invested capital
1.5%
Return on capital employed
N/A
Return on sales
33.4%
Dividend yield
3.25%
DPS
$1.83
Payout ratio
50.6%
CBU stock price
How has the Community Bank System stock price performed over time
Intraday
-0.78%
1 week
1.04%
1 month
3.02%
1 year
25.2%
YTD
-8.82%
QTD
-1.09%
Financial performance
How have Community Bank System's revenue and profit performed over time
Revenue
$741.96M
Gross profit
$741.96M
Operating income
$247.93M
Net income
$191.22M
Gross margin
100%
Net margin
25.8%
CBU's operating income is up by 16% year-on-year and by 4.7% since the previous quarter
Community Bank System's net income has increased by 15% YoY and by 4.8% from the previous quarter
The operating margin is up by 8% year-on-year and by 2.1% since the previous quarter
The revenue has grown by 7% year-on-year and by 2.5% since the previous quarter
Price vs fundamentals
How does CBU's price correlate with its fundamentals
Growth
What is Community Bank System's growth rate over time
Valuation
What is Community Bank System stock price valuation
P/E
15.54
P/B
1.62
P/S
4
EV/EBIT
13.38
EV/EBITDA
11.98
EV/Sales
4.47
The EPS has increased by 16% YoY and by 5% QoQ
The stock's price to earnings (P/E) is 16% less than its 5-year quarterly average of 18.6 and 8% less than its last 4 quarters average of 16.8
The equity rose by 11% year-on-year and by 4% since the previous quarter
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 stock's price to sales (P/S) is 20% less than its 5-year quarterly average of 5.0 and 2.4% less than its last 4 quarters average of 4.1
The revenue has grown by 7% year-on-year and by 2.5% since the previous quarter
Efficiency
How efficient is Community Bank System business performance
CBU's ROA is up by 9% QoQ and by 9% YoY
The ROS has increased by 8% YoY and by 2.1% QoQ
CBU's return on invested capital is up by 7% year-on-year
The company's return on equity rose by 6% YoY
Dividends
What is CBU's dividend history
DPS
$1.83
Dividend yield
3.25%
Payout ratio
50.6%
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
Community Bank System's total assets has increased by 6% YoY and by 2.3% from the previous quarter
The total liabilities is up by 5% year-on-year and by 2.1% since the previous quarter
The debt is 53% less than the equity
The debt has grown by 26% YoY but it has contracted by 14% from the previous quarter
The company's debt to equity fell by 18% QoQ but it rose by 15% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.