Community Bank System, Inc. (CBU)
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% |
Analyst Summary
Analyst Consensus: Hold
Financial Performance
Financial Overview
| Year | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 581 | 558 | 507 | 421 | 365 | 356 | 332 | 321 | 294 | 263 |
| Revenue Growth | 4.14% | 10.09% | 20.33% | 15.38% | 2.53% | 7.22% | 3.66% | 9.07% | 11.63% | - |
| Gross Profit | 581 | 558 | 507 | 421 | 365 | 356 | 332 | 321 | 294 | 263 |
| Operating Income | 209 | 213 | 160 | 155 | 132 | 130 | 111 | 109 | 104 | 86.39 |
| Net Income | 169 | 169 | 151 | 104 | 91.23 | 91.35 | 78.83 | 77.07 | 73.14 | 63.32 |
| Shares Outstanding | 51.70 | 51.19 | 50.61 | 44.38 | 41.10 | 40.60 | 40.36 | 39.59 | 36.85 | 33.17 |
| Earnings Per Share | 3.23 | 3.24 | 3.03 | 2.32 | 2.19 | 2.22 | 1.94 | 1.93 | 2.01 | 1.89 |
| EPS Growth | -0.31% | 6.93% | 30.6% | 5.94% | -1.35% | 14.43% | 0.52% | -3.98% | 6.35% | - |
| Dividend Per Share | 1.58 | 1.44 | 1.32 | 1.26 | 1.22 | 1.16 | 1.10 | 1.06 | 1.00 | 0.94 |
| Dividend Growth | 9.72% | 9.09% | 4.76% | 3.28% | 5.17% | 5.45% | 3.77% | 6% | 6.38% | - |
| Operating Cash Flow | 203 | 221 | 190 | 136 | 120 | 122 | 103 | 108 | 94.38 | 97.09 |
| Capital Expenditures | -5.69 | -12.65 | -10.82 | -12.44 | -12.40 | -13.38 | -13.86 | -10.85 | -9.61 | -15.72 |
| Free Cash Flow | 197 | 209 | 179 | 123 | 107 | 109 | 89.33 | 97.58 | 84.77 | 81.37 |
| Cash & Equivalents | 205 | 212 | 221 | 174 | 153 | 138 | 150 | 229 | 325 | 212 |
| Total Debt | 345 | 414 | 486 | 248 | 403 | 440 | 244 | 830 | 830 | 830 |
| Net Cash / Debt | -140 | -202 | -265 | -74.51 | -250 | -302 | -94.36 | -602 | -505 | -619 |
| Assets | 11,410 | 10,607 | 10,746 | 8,666 | 8,553 | 7,489 | 7,096 | 7,497 | 6,488 | 5,445 |
| Liabilities | 9,555 | 8,894 | 9,111 | 7,468 | 7,412 | 6,502 | 6,220 | 6,594 | 5,714 | 4,837 |
| Book Value | 1,855 | 1,714 | 1,635 | 1,198 | 1,141 | 988 | 876 | 903 | 775 | 607 |
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.