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Community Bank System (CBU)
NYSE:CBU
Total Valuation
Community Bank System has a market cap or net worth of $2.94B. The enterprise value is $3.53B.
Market Cap$2.94B
Enterprise Value$3.53B
Share Statistics
Community Bank System has 52,851,450 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding52,851,450
Owned by Insiders0.87%
Owned by Institutions5.35%
Financial Efficiency
Community Bank System’s return on equity (ROE) is 0.10 and return on invested capital (ROIC) is 5.56%.
Return on Equity (ROE)0.10
Return on Assets (ROA)0.01
Return on Invested Capital (ROIC)5.56%
Return on Capital Employed (ROCE)0.02
Revenue Per Employee235.72K
Profits Per Employee66.84K
Employee Count2,730
Asset Turnover0.04
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Community Bank System is 17.83. Community Bank System’s PEG ratio is 3.17.
PE Ratio17.83
PS Ratio0.00
PB Ratio1.69
Price to Fair Value1.85
Price to FCF12.70
Price to Operating Cash Flow12.31
PEG Ratio3.17
Income Statement
In the last 12 months, Community Bank System had revenue of 643.53M and earned 182.48M in profits. Earnings per share was 3.44.
Revenue643.53M
Gross Profit328.49M
Operating Income297.11M
Pretax Income236.71M
Net Income182.48M
EBITDA297.11M
Earnings Per Share (EPS)3.44
Cash Flow
In the last 12 months, operating cash flow was 242.28M and capital expenditures -7.20M, giving a free cash flow of 235.07M billion.
Operating Cash Flow242.28M
Free Cash Flow235.07M
Free Cash Flow per Share4.45
Dividends & Yields
Community Bank System pays an annual dividend of $1.829, resulting in a dividend yield of 3.29%
Dividend Per Share$1.829
Dividend Yield3.29%
Payout Ratio50.11%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta1.00
52-Week Price Change29.86%
50-Day Moving Average55.72
200-Day Moving Average60.04
Relative Strength Index (RSI)45.67
Average Volume (3m)218.76K
Important Dates
Community Bank System upcoming earnings date is Jul 28, 2025, TBA Not Confirmed.
Last Earnings DateApr 29, 2025
Next Earnings DateJul 28, 2025
Ex-Dividend DateJun 13, 2025
Financial Position
Community Bank System as a current ratio of 25.74, with Debt / Equity ratio of 41.83%
Current Ratio25.74
Quick Ratio25.74
Debt to Market Cap0.23
Net Debt to EBITDA1.82
Interest Coverage Ratio1.53
Taxes
In the past 12 months, Community Bank System has paid 54.22M in taxes.
Income Tax54.22M
Effective Tax Rate0.23
Enterprise Valuation
Community Bank System EV to EBITDA ratio is 12.77, with an EV/FCF ratio of 17.12.
EV to Sales5.90
EV to EBITDA12.77
EV to Free Cash Flow17.12
EV to Operating Cash Flow15.66
Balance Sheet
Community Bank System has $508.96M in cash and marketable securities with $737.31M in debt, giving a net cash position of $228.35M billion.
Cash & Marketable Securities$508.96M
Total Debt$737.31M
Net Cash$228.35M
Net Cash Per Share$4.32
Tangible Book Value Per Share$16.33
Margins
Gross margin is 49.24%, with operating margin of 46.17%, and net profit margin of 28.36%.
Gross Margin49.24%
Operating Margin46.17%
Pretax Margin36.78%
Net Profit Margin28.36%
EBITDA Margin46.17%
EBIT Margin66.99%
Analyst Forecast
The average price target for Community Bank System is $65.00, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target$65.00
Price Target Upside16.78% Upside
Analyst ConsensusModerate Buy
Analyst Count3
Revenue Growth Forecast14.34%
EPS Growth Forecast12.98%