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Community Bank System (CBU)
NYSE:CBU
Total Valuation
Community Bank System has a market cap or net worth of $3.50B. The enterprise value is $4.01B.
Market Cap$3.50B
Enterprise Value$4.01B
Share Statistics
Community Bank System has 52,661,488 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding52,661,488
Owned by Insiders0.87%
Owned by Institutions0.60%
Financial Efficiency
Community Bank System’s return on equity (ROE) is 0.10 and return on invested capital (ROIC) is 6.20%.
Return on Equity (ROE)0.10
Return on Assets (ROA)0.01
Return on Invested Capital (ROIC)6.20%
Return on Capital Employed (ROCE)0.09
Revenue Per Employee344.58K
Profits Per Employee66.84K
Employee Count2,730
Asset Turnover0.06
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Community Bank System is 16.8. Community Bank System’s PEG ratio is 0.44.
PE Ratio16.8
PS Ratio3.46
PB Ratio1.85
Price to Fair Value1.85
Price to FCF14.69
Price to Operating Cash Flow13.13
PEG Ratio0.44
Income Statement
In the last 12 months, Community Bank System had revenue of 940.71M and earned 182.48M in profits. Earnings per share was 3.44.
Revenue940.71M
Gross Profit723.53M
Operating Income236.71M
Pretax Income236.71M
Net Income182.48M
EBITDA265.36M
Earnings Per Share (EPS)3.44
Cash Flow
In the last 12 months, operating cash flow was 283.02M and capital expenditures -52.72M, giving a free cash flow of 230.30M billion.
Operating Cash Flow283.02M
Free Cash Flow230.30M
Free Cash Flow per Share4.37
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
Beta0.83
52-Week Price Change5.75%
50-Day Moving Average60.64
200-Day Moving Average57.33
Relative Strength Index (RSI)71.17
Average Volume (3m)234.13K
Important Dates
Community Bank System upcoming earnings date is Apr 27, 2026, Before Open (Confirmed).
Last Earnings DateJan 27, 2026
Next Earnings DateApr 27, 2026
Ex-Dividend Date―
Financial Position
Community Bank System as a current ratio of 0.04, with Debt / Equity ratio of 39.37%
Current Ratio0.04
Quick Ratio0.04
Debt to Market Cap0.31
Net Debt to EBITDA3.04
Interest Coverage Ratio1.22
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 15.30, with an EV/FCF ratio of 18.33.
EV to Sales4.32
EV to EBITDA15.30
EV to Free Cash Flow18.33
EV to Operating Cash Flow16.76
Balance Sheet
Community Bank System has $3.10B in cash and marketable securities with $763.35M in debt, giving a net cash position of $2.34B billion.
Cash & Marketable Securities$3.10B
Total Debt$763.35M
Net Cash$2.34B
Net Cash Per Share$44.46
Tangible Book Value Per Share$16.33
Margins
Gross margin is 73.43%, with operating margin of 25.16%, and net profit margin of 19.40%.
Gross Margin73.43%
Operating Margin25.16%
Pretax Margin25.16%
Net Profit Margin19.40%
EBITDA Margin28.21%
EBIT Margin25.16%
Analyst Forecast
The average price target for Community Bank System is $63.50, which is 11.43% higher than the current price. The consensus rating is Hold
Price Target$63.50
Price Target Upside-4.90% Downside
Analyst ConsensusHold
Analyst Count2
Revenue Growth Forecast9.41%
EPS Growth Forecast20.64%