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CBU Community Bank System Inc
- Stocks
- Financial Services
- NYSE: CBU
Price (delayed)
$56.82
Market cap
$3B
P/E Ratio
16.52
Dividend/share
$1.83
EPS
$3.44
Enterprise value
$3.8B
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 40% YoY and by 10% QoQ
Community Bank System's net income has increased by 38% YoY and by 10% from the previous quarter
The debt has grown by 31% YoY and by 5% from the previous quarter
Key stats
What are the main financial stats of CBU
Market
Valuations
Earnings
Shares outstanding
52.71M
Market cap
$3B
Enterprise value
$3.8B
Price to earnings (P/E)
16.52
Price to book (P/B)
1.69
Price to sales (P/S)
4.13
EV/EBIT
16.04
EV/EBITDA
14.31
EV/Sales
5.25
Revenue
$723.53M
Gross profit
$723.53M
Operating income
$236.71M
Net income
$182.48M
EBIT
$236.71M
EBITDA
$265.36M
Free cash flow
$227.32M
Per share
Balance sheet
Liquidity
EPS
$3.44
EPS diluted
$3.44
Free cash flow per share
$4.32
Book value per share
$33.54
Revenue per share
$13.77
TBVPS
$294.61
Total assets
$16.39B
Total liabilities
$14.62B
Debt
$998.87M
Equity
$1.76B
Working capital
N/A
Debt to equity
0.57
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
3.02
Margins
Efficiency
Dividend
EBITDA margin
36.7%
Gross margin
100%
Net margin
25.2%
Operating margin
32.7%
Return on assets
1.1%
Return on equity
10.6%
Return on invested capital
1.5%
Return on capital employed
N/A
Return on sales
32.7%
Dividend yield
3.22%
DPS
$1.83
Payout ratio
53.2%
CBU stock price
How has the Community Bank System stock price performed over time
Intraday
1.7%
1 week
3.18%
1 month
11.67%
1 year
21.1%
YTD
-7.88%
QTD
-0.07%
Financial performance
How have Community Bank System's revenue and profit performed over time
Revenue
$723.53M
Gross profit
$723.53M
Operating income
$236.71M
Net income
$182.48M
Gross margin
100%
Net margin
25.2%
CBU's operating income is up by 41% year-on-year and by 10% since the previous quarter
Community Bank System's net income has increased by 38% YoY and by 10% from the previous quarter
The operating margin is up by 25% year-on-year and by 7% since the previous quarter
The net margin has grown by 22% YoY and by 7% from 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
16.52
P/B
1.69
P/S
4.13
EV/EBIT
16.04
EV/EBITDA
14.31
EV/Sales
5.25
The EPS has increased by 40% YoY and by 10% QoQ
The stock's price to earnings (P/E) is 12% less than its 5-year quarterly average of 18.8
The P/B is 6% lower than the 5-year quarterly average of 1.8 but 6% higher than the last 4 quarters average of 1.6
The equity rose by 3.8% year-on-year
The stock's price to sales (P/S) is 17% less than its 5-year quarterly average of 5.0 but 3.3% more than its last 4 quarters average of 4.0
The revenue has grown by 13% year-on-year and by 2.4% since the previous quarter
Efficiency
How efficient is Community Bank System business performance
CBU's return on invested capital is up by 36% year-on-year and by 7% since the previous quarter
The company's return on equity rose by 31% YoY and by 8% QoQ
The ROS has increased by 25% YoY and by 7% QoQ
CBU's ROA is up by 22% YoY and by 10% QoQ
Dividends
What is CBU's dividend history
DPS
$1.83
Dividend yield
3.22%
Payout ratio
53.2%
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 43% less than the equity
The debt has grown by 31% YoY and by 5% from the previous quarter
The company's debt to equity rose by 27% YoY and by 8% QoQ
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.