CBU Community Bank System Inc

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

Price (delayed)

$66.14

Market cap

$3.57B

P/E Ratio

18.68

Dividend/share

$1.69

EPS

$3.54

Enterprise value

$1.56B

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 debt has contracted by 25% YoY and by 25% from the previous quarter
Community Bank System's net income has increased by 21% YoY and by 7% from the previous quarter
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
53.92M
Market cap
$3.57B
Enterprise value
$1.56B
Valuations
Price to earnings (P/E)
18.68
Price to book (P/B)
1.73
Price to sales (P/S)
5.76
EV/EBIT
6.51
EV/EBITDA
5.78
EV/Sales
2.52
Earnings
Revenue
$618.52M
EBIT
$239.76M
EBITDA
$269.93M
Free cash flow
$156.76M
Per share
EPS
$3.54
Free cash flow per share
$2.91
Book value per share
$38.25
Revenue per share
$11.48
TBVPS
$259.05
Balance sheet
Total assets
$14.8B
Total liabilities
$12.74B
Debt
$201.11M
Equity
$2.06B
Working capital
N/A
Liquidity
Debt to equity
0.1
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-7.43
Margins
EBITDA margin
43.6%
Gross margin
100%
Net margin
30.7%
Operating margin
38.8%
Efficiency
Return on assets
1.3%
Return on equity
9.2%
Return on invested capital
2%
Return on capital employed
N/A
Return on sales
38.8%
Dividend
Dividend yield
2.56%
DPS
$1.69
Payout ratio
47.7%

CBU stock price

How has the Community Bank System stock price performed over time
Intraday
0.09%
1 week
-2.45%
1 month
-11.26%
1 year
14.87%
YTD
6.15%
QTD
-12.57%

Financial performance

How have Community Bank System's revenue and profit performed over time
Revenue
$618.52M
Gross profit
$618.52M
Operating income
$239.76M
Net income
$190.09M
Gross margin
100%
Net margin
30.7%
CBU's operating income is up by 23% year-on-year and by 8% since the previous quarter
Community Bank System's net income has increased by 21% YoY and by 7% from the previous quarter
The operating margin is up by 14% year-on-year and by 4.6% since the previous quarter
The net margin has grown by 12% YoY and by 3.4% 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
18.68
P/B
1.73
P/S
5.76
EV/EBIT
6.51
EV/EBITDA
5.78
EV/Sales
2.52
The EPS has increased by 17% YoY and by 7% QoQ
The stock's price to earnings (P/E) is 9% less than its last 4 quarters average of 20.6 and 8% less than its 5-year quarterly average of 20.2
The equity rose by 4.6% since the previous quarter
The P/B is 3.9% lower than the 5-year quarterly average of 1.8 and 3.9% lower than the last 4 quarters average of 1.8
The revenue has grown by 8% year-on-year and by 3.5% since the previous quarter
The stock's price to sales (P/S) is 6% less than its last 4 quarters average of 6.1

Efficiency

How efficient is Community Bank System business performance
The ROS has increased by 14% YoY and by 4.6% QoQ
The company's return on equity rose by 14% YoY and by 7% QoQ
CBU's return on invested capital is up by 11% year-on-year and by 5% since the previous quarter

Dividends

What is CBU's dividend history
DPS
$1.69
Dividend yield
2.56%
Payout ratio
47.7%
Recent dividends

Financial health

How did Community Bank System financials performed over time
Community Bank System's total assets is 16% more than its total liabilities
The total liabilities is up by 12% year-on-year
Community Bank System's total assets has increased by 10% YoY
The debt is 90% less than the equity
The company's debt to equity fell by 29% QoQ and by 23% YoY
The debt has contracted by 25% YoY and by 25% from the previous quarter

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