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Community Bank System (CBU)
NYSE:CBU
Total Valuation
Community Bank System has a market cap or net worth of $3.07B. The enterprise value is $3.21B.
Market Cap$3.07B
Enterprise Value$3.21B
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 Institutions5.53%
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 17.83. Community Bank System’s PEG ratio is 3.04.
PE Ratio17.83
PS Ratio0.00
PB Ratio1.56
Price to Fair Value1.85
Price to FCF14.56
Price to Operating Cash Flow12.69
PEG Ratio3.04
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 224.89M and capital expenditures -28.70M, giving a free cash flow of 196.19M billion.
Operating Cash Flow224.89M
Free Cash Flow196.19M
Free Cash Flow per Share3.71
Dividends & Yields
Community Bank System pays an annual dividend of $0.46, resulting in a dividend yield of 3.16%
Dividend Per Share$0.46
Dividend Yield3.16%
Payout Ratio50.41%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta1.01
52-Week Price Change10.40%
50-Day Moving Average56.55
200-Day Moving Average59.51
Relative Strength Index (RSI)54.30
Average Volume (3m)188.85K
Important Dates
Community Bank System upcoming earnings date is Jul 22, 2025, Before Open (Confirmed).
Last Earnings DateApr 29, 2025
Next Earnings DateJul 22, 2025
Ex-Dividend DateJun 13, 2025
Financial Position
Community Bank System as a current ratio of 0.04, with Debt / Equity ratio of 47.00%
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 $834.27M in cash and marketable securities with $862.04M in debt, giving a net cash position of $27.77M billion.
Cash & Marketable Securities$834.27M
Total Debt$862.04M
Net Cash$27.77M
Net Cash Per Share$0.53
Tangible Book Value Per Share$16.33
Margins
Gross margin is 77.17%, with operating margin of 25.16%, and net profit margin of 19.40%.
Gross Margin77.17%
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 $65.00, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target$65.00
Price Target Upside11.78% Upside
Analyst ConsensusModerate Buy
Analyst Count3
Revenue Growth Forecast14.34%
EPS Growth Forecast12.98%