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Community Bank System, Inc. (CBU)

Stock Price: $61.17 USD 1.11 (1.85%)
Updated Aug 11, 2020 4:00 PM EDT - Market closed

Stock Price Chart

Key Info

Market Cap 3.27B
Revenue (ttm) 571.82M
Net Income (ttm) 167.25M
Shares Out 53.51M
EPS (ttm) 3.00
PE Ratio 20.39
Forward PE 19.72
Dividend $1.64
Dividend Yield 2.68%

Stock Quote

Trading Day Aug 11, 2020
Last Price $61.17
Previous Close $60.06
Change ($) 1.11
Change (%) 1.85%
Day's Open 61.32
Day's Range 60.83 - 62.55
Day's Volume 273,593
52-Week Range 47.01 - 72.63

More Stats

Market Cap 3.27B
Enterprise Value 3.04B
Earnings Date (est) Oct 26, 2020
Ex-Dividend Date Jun 12, 2020
Shares Outstanding 53.51M
Float 52.78M
EPS (basic) 3.22
EPS (diluted) 3.00
FCF / Share 3.60
Dividend $1.64
Dividend Yield 2.68%
Earnings Yield 4.90%
FCF Yield 5.72%
Payout Ratio 50.00%
Shares Short 2.17M
Short Ratio 7.10
Short % of Float 5.49%
Beta 0.76
PE Ratio 20.39
Forward PE 19.72
P/FCF Ratio 17.48
PS Ratio 5.72
PB Ratio 1.46
Revenue 571.82M
Operating Income 207.28M
Net Income 167.25M
Free Cash Flow 187.11M
Net Cash 229.52M
Net Cash / Share 4.29
Gross Margin 101.67%
Operating Margin 36.25%
Profit Margin 28.60%
FCF Margin 32.72%
ROA 1.30%
ROE 8.10%
ROIC 2.00%
Stats based on trailing-twelve-month (ttm) numbers.

Analyst Summary

Analyst Ratings (8)

Buy 0
Overweight 0
Hold 8
Underweight 0
Sell 0

Analyst Consensus: Hold

Price Target

$60.88*
(-0.47% downside)
Low
57.0
Current: $61.17
High
64.5
Target: 60.88
*Average 12-month price target from 4 stock analysts.

Financial Performance

Financial numbers in millions USD.

Financial Overview

Year2019201820172016201520142013201220112010
Revenue581558507421365356332321294263
Revenue Growth4.14%10.09%20.33%15.38%2.53%7.22%3.66%9.07%11.63%-
Gross Profit581558507421365356332321294263
Operating Income20921316015513213011110910486.39
Net Income16916915110491.2391.3578.8377.0773.1463.32
Shares Outstanding51.7051.1950.6144.3841.1040.6040.3639.5936.8533.17
Earnings Per Share3.233.243.032.322.192.221.941.932.011.89
EPS Growth-0.31%6.93%30.6%5.94%-1.35%14.43%0.52%-3.98%6.35%-
Dividend Per Share1.581.441.321.261.221.161.101.061.000.94
Dividend Growth9.72%9.09%4.76%3.28%5.17%5.45%3.77%6%6.38%-
Operating Cash Flow20322119013612012210310894.3897.09
Capital Expenditures-5.69-12.65-10.82-12.44-12.40-13.38-13.86-10.85-9.61-15.72
Free Cash Flow19720917912310710989.3397.5884.7781.37
Cash & Equivalents205212221174153138150229325212
Total Debt345414486248403440244830830830
Net Cash / Debt-140-202-265-74.51-250-302-94.36-602-505-619
Assets11,41010,60710,7468,6668,5537,4897,0967,4976,4885,445
Liabilities9,5558,8949,1117,4687,4126,5026,2206,5945,7144,837
Book Value1,8551,7141,6351,1981,141988876903775607
Numbers in millions USD, except per-share numbers.

Company Profile

Company Details

Full Name Community Bank System, Inc.
Country United States
Employees 2,752
CEO Mark E. Tryniski

Stock Information

Ticker Symbol CBU
Stock Exchange New York Stock Exchange
Sector Financial
Industry Regional - Midwest Banks
Unique Identifier NYSE: CBU

Description

Community Bank System, Inc. operates as the bank holding company for Community Bank, N.A. that provides various banking and other financial services to retail, commercial, and municipal customers. It operates through three segments: Banking, Employee Benefit Services, and All Other. The company offers various deposits products, such as checking, savings, and money market accounts, as well as time deposits. It also provides loans, including consumer mortgages; general purpose commercial and industrial loans, and mortgages on commercial properties; installment loans that are originated through selected dealerships and are secured by automobiles, marine, and other recreational vehicles; personal installment loans and lines of credit for consumers; and home equity products. In addition, the company offers broker-dealer and investment advisory; asset management; risk management; and employee benefit services, as well as operates as a full-service insurance agency that offers personal and commercial property insurance, and other risk management products. Further, it provides contribution plan administration, collective investment fund, retirement plan administration, fund administration, actuarial and benefits consulting, employee benefit trust, VEBA/HRA, and health and welfare consulting services. Additionally, the company offers wealth management, higher educational planning, fiduciary, risk management, and personal financial planning services; and investment alternatives, including stocks, bonds, mutual funds, and advisory products, as well as transfer agency and master recordkeeping services. As of December 31, 2019, it had 231 branches in Upstate New York, as well as Northeastern Pennsylvania, Vermont, and Western Massachusetts. Community Bank System, Inc. was founded in 1866 and is headquartered in DeWitt, New York.