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Community Bank System (CBU)
NYSE:CBU
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Community Bank System (CBU) Stock Statistics & Valuation Metrics

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Total Valuation

Community Bank System has a market cap or net worth of $3.24B. The enterprise value is $3.32B.
Market Cap$3.24B
Enterprise Value$3.32B

Share Statistics

Community Bank System has 52,554,928 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding52,554,928
Owned by Insiders0.86%
Owned by Institutions5.65%

Financial Efficiency

Community Bank System’s return on equity (ROE) is 0.10 and return on invested capital (ROIC) is 1.21%.
Return on Equity (ROE)0.10
Return on Assets (ROA)0.01
Return on Invested Capital (ROIC)1.21%
Return on Capital Employed (ROCE)0.02
Revenue Per Employee370.34K
Profits Per Employee77.09K
Employee Count2,730
Asset Turnover0.06
Inventory Turnover0.00

Valuation Ratios

The current PE Ratio of Community Bank System is 13.6. Community Bank System’s PEG ratio is 0.92.
PE Ratio13.6
PS Ratio2.99
PB Ratio1.51
Price to Fair Value1.51
Price to FCF12.97
Price to Operating Cash Flow10.52
PEG Ratio0.92

Income Statement

In the last 12 months, Community Bank System had revenue of 1.01B and earned 210.46M in profits. Earnings per share was 3.98.
Revenue1.01B
Gross Profit796.94M
Operating Income275.39M
Pretax Income275.39M
Net Income210.46M
EBITDA305.60M
Earnings Per Share (EPS)3.98

Cash Flow

In the last 12 months, operating cash flow was 310.91M and capital expenditures -84.64M, giving a free cash flow of 226.27M billion.
Operating Cash Flow310.91M
Free Cash Flow226.27M
Free Cash Flow per Share4.31

Dividends & Yields

Community Bank System pays an annual dividend of $0.47, resulting in a dividend yield of 3.14%
Dividend Per Share$0.47
Dividend Yield3.14%
Payout Ratio45.93%
Free Cash Flow Yield
Earnings Yield

Stock Price Statistics

Beta0.87
52-Week Price Change10.24%
50-Day Moving Average60.72
200-Day Moving Average58.21
Relative Strength Index (RSI)67.08
Average Volume (3m)234.13K

Important Dates

Community Bank System upcoming earnings date is Jul 27, 2026, Before Open (Confirmed).
Last Earnings DateApr 29, 2026
Next Earnings DateJul 27, 2026
Ex-Dividend Date

Financial Position

Community Bank System as a current ratio of 1.49, with Debt / Equity ratio of 31.98%
Current Ratio1.49
Quick Ratio1.49
Debt to Market Cap0.23
Net Debt to EBITDA1.46
Interest Coverage Ratio1.43

Taxes

In the past 12 months, Community Bank System has paid 64.94M in taxes.
Income Tax64.94M
Effective Tax Rate0.24

Enterprise Valuation

Community Bank System EV to EBITDA ratio is 11.36, with an EV/FCF ratio of 14.88.
EV to Sales3.43
EV to EBITDA11.36
EV to Free Cash Flow14.88
EV to Operating Cash Flow11.50

Balance Sheet

Community Bank System has $572.17M in cash and marketable securities with $647.35M in debt, giving a net cash position of -$75.17M billion.
Cash & Marketable Securities$572.17M
Total Debt$647.35M
Net Cash-$75.17M
Net Cash Per Share-$1.43
Tangible Book Value Per Share$20.18

Margins

Gross margin is 79.45%, with operating margin of 27.24%, and net profit margin of 20.82%.
Gross Margin79.45%
Operating Margin27.24%
Pretax Margin27.24%
Net Profit Margin20.82%
EBITDA Margin30.23%
EBIT Margin27.24%

Analyst Forecast

The average price target for Community Bank System is $71.00, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target$71.00
Price Target Upside12.15% Upside
Analyst ConsensusModerate Buy
Analyst Count3
Revenue Growth Forecast6.86%
EPS Growth Forecast13.91%

Scores

Smart Score5
AI Score