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STOCKS

Community Bank System (CBU)

NYSE:CBU

CBU

Community Bank System

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Community Bank System (CBU) Ratios

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Community Bank System Ratios

CBU's free cash flow for Q4 2024 was $1.00. For the 2024 fiscal year, CBU's free cash flow was decreased by $ and operating cash flow was $-0.04. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	25.74	0.07	4.89	32.47	22.68
Quick Ratio	25.74	0.07	5.18	41.54	29.99
Cash Ratio	1.67	0.03	0.23	8.90	7.13
Solvency Ratio	<0.01	0.01	0.02	0.02	0.02
Operating Cash Flow Ratio	2.05	0.04	0.24	0.96	0.78
Short-Term Operating Cash Flow Coverage	2.05	4.31	0.28	0.00	0.00
Net Current Asset Value	$ -11.59B	$ -13.42B	$ -9.87B	$ -6.61B	$ -6.59B
Leverage Ratios
Debt-to-Assets Ratio	0.04	0.03	0.12	0.02	0.03
Debt-to-Equity Ratio	0.42	0.27	1.23	0.16	0.18
Debt-to-Capital Ratio	0.29	0.21	0.55	0.14	0.15
Long-Term Debt-to-Capital Ratio	0.26	0.19	0.01	<0.01	0.04
Financial Leverage Ratio	9.30	9.16	10.21	7.40	6.62
Debt Service Coverage Ratio	0.78	1.01	0.28	16.90	9.61
Interest Coverage Ratio	1.53	2.18	12.06	18.55	9.87
Debt to Market Cap	0.23	0.16	0.23	<0.01	0.03
Interest Debt Per Share	17.66	10.54	35.80	6.35	7.40
Net Debt to EBITDA	1.82	1.38	6.23	-5.69	-5.27
Profitability Margins
Gross Profit Margin	51.05%	118.00%	53.64%	52.18%	52.48%
EBIT Margin	66.99%	26.26%	35.61%	38.89%	35.44%
EBITDA Margin	46.17%	30.55%	40.09%	43.75%	40.58%
Operating Profit Margin	46.17%	35.44%	41.01%	38.89%	34.55%
Pretax Profit Margin	36.78%	26.26%	35.37%	38.89%	34.55%
Net Profit Margin	28.36%	20.59%	27.69%	30.56%	27.61%
Continuous Operations Profit Margin	28.36%	20.59%	27.69%	30.56%	27.61%
Net Income Per EBT	77.09%	78.42%	78.26%	78.60%	79.91%
EBT Per EBIT	79.67%	74.08%	86.25%	100.00%	100.00%
Return on Assets (ROA)	1.11%	0.85%	1.19%	1.22%	1.18%
Return on Equity (ROE)	10.35%	7.77%	12.12%	9.03%	7.83%
Return on Capital Employed (ROCE)	1.83%	2.40%	1.87%	1.57%	1.50%
Return on Invested Capital (ROIC)	5.56%	1.82%	2.06%	1.50%	1.71%
Return on Tangible Assets	1.18%	0.90%	1.26%	1.29%	1.26%
Earnings Yield	5.61%	4.72%	5.54%	4.72%	4.99%
Efficiency Ratios
Receivables Turnover	11.84	0.00	12.91	17.29	15.28
Payables Turnover	0.00	0.00	2.35	1.41	1.23
Inventory Turnover	0.00	0.00	-1.20	-0.16	-0.17
Fixed Asset Turnover	3.50	3.69	4.23	3.86	3.60
Asset Turnover	0.04	0.04	0.04	0.04	0.04
Working Capital Turnover Ratio	-0.47	-0.60	0.13	0.11	0.15
Cash Conversion Cycle	30.82	0.00	-431.65	-2.59K	-2.44K
Days of Sales Outstanding	30.82	0.00	28.27	21.11	23.89
Days of Inventory Outstanding	0.00	0.00	-304.79	-2.35K	-2.17K
Days of Payables Outstanding	0.00	0.00	155.13	259.24	297.14
Operating Cycle	30.82	0.00	-276.52	-2.33K	-2.15K
Cash Flow Ratios
Operating Cash Flow Per Share	4.59	4.26	3.98	3.75	3.39
Free Cash Flow Per Share	4.20	3.91	3.74	3.51	3.12
CapEx Per Share	0.00	0.35	0.24	0.24	0.27
Free Cash Flow to Operating Cash Flow	0.91	0.92	0.94	0.93	0.92
Dividend Paid and CapEx Coverage Ratio	2.53	2.01	2.02	1.94	1.77
Capital Expenditure Coverage Ratio	0.00	12.29	16.61	15.37	12.47
Operating Cash Flow Coverage Ratio	0.33	0.50	0.11	0.61	0.48
Operating Cash Flow to Sales Ratio	0.38	0.36	0.32	0.33	0.30
Free Cash Flow Yield	6.81%	7.51%	5.94%	4.71%	5.00%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	17.83	21.17	18.04	21.19	20.04
Price-to-Sales (P/S) Ratio	5.06	4.36	4.99	6.48	5.53
Price-to-Book (P/B) Ratio	1.85	1.65	2.19	1.91	1.57
Price-to-Free Cash Flow (P/FCF) Ratio	14.69	13.31	16.82	21.23	19.99
Price-to-Operating Cash Flow Ratio	13.43	12.23	15.81	19.85	18.39
Price-to-Earnings Growth (PEG) Ratio	0.44	-0.72	-21.11	1.60	-4.08
Price-to-Fair Value	1.85	1.65	2.19	1.91	1.57
Enterprise Value Multiple	12.77	15.65	18.69	9.12	8.37
Enterprise Value	3.79B	3.06B	5.09B	2.48B	2.03B
EV to EBITDA	12.77	15.65	18.69	9.12	8.37
EV to Sales	5.90	4.78	7.49	3.99	3.40
EV to Free Cash Flow	17.12	14.60	25.23	13.07	12.27
EV to Operating Cash Flow	15.66	13.41	23.71	12.22	11.29
Tangible Book Value Per Share	16.33	14.92	12.04	22.91	23.74
Shareholders’ Equity Per Share	33.42	31.68	28.79	38.92	39.72
Tax and Other Ratios
Effective Tax Rate	0.23	0.22	0.22	0.21	0.20
Revenue Per Share	12.20	11.95	12.60	11.50	11.26
Net Income Per Share	3.46	2.46	3.49	3.51	3.11
Tax Burden	0.77	0.78	0.78	0.79	0.80
Interest Burden	0.55	1.00	0.99	1.00	0.97
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.02	0.44	0.38	0.47	0.46
Stock-Based Compensation to Revenue	0.01	0.01	0.01	0.01	0.01
Income Quality	1.33	1.74	1.14	1.07	1.09

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