Community Financial System, Inc. (CBU)

Ligand Pharmaceuticals Statistics

Total Valuation

CBU has a market cap or net worth of $2.72 billion. The enterprise value is $3.38 billion.

Market Cap	2.72B
Enterprise Value	3.38B

Important Dates

The last earnings date was Tuesday, July 22, 2025, before market open.

Earnings Date	Jul 22, 2025
Ex-Dividend Date	Sep 12, 2025

Share Statistics

CBU has 52.87 million shares outstanding. The number of shares has decreased by -0.79% in one year.

Current Share Class	52.87M
Shares Outstanding	52.87M
Shares Change (YoY)	-0.79%
Shares Change (QoQ)	+0.37%
Owned by Insiders (%)	0.83%
Owned by Institutions (%)	74.11%
Float	52.41M

Valuation Ratios

The trailing PE ratio is 14.02 and the forward PE ratio is 11.68.

PE Ratio	14.02
Forward PE	11.68
PS Ratio	3.58
Forward PS	3.16
PB Ratio	1.44
P/TBV Ratio	2.76
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	17.42
EV / Sales	4.47
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 10.96%.

Return on Equity (ROE)	10.96%
Return on Assets (ROA)	1.20%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$259,085
Profits Per Employee	$66,449
Employee Count	2,918
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CBU has paid $57.24 million in taxes.

Income Tax	57.24M
Effective Tax Rate	22.72%

Stock Price Statistics

The stock price has decreased by -16.57% in the last 52 weeks. The beta is 0.81, so CBU's price volatility has been lower than the market average.

Beta (5Y)	0.81
52-Week Price Change	-16.57%
50-Day Moving Average	56.41
200-Day Moving Average	60.22
Relative Strength Index (RSI)	26.88
Average Volume (20 Days)	277,117

Short Selling Information

The latest short interest is 1.49 million, so 2.83% of the outstanding shares have been sold short.

Short Interest	1.49M
Short Previous Month	1.56M
Short % of Shares Out	2.83%
Short % of Float	2.85%
Short Ratio (days to cover)	6.46

Income Statement

In the last 12 months, CBU had revenue of $756.01 million and earned $193.90 million in profits. Earnings per share was $3.67.

Revenue	756.01M
Gross Profit	756.01M
Operating Income	267.85M
Pretax Income	214.92M
Net Income	193.90M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$3.67

Balance Sheet

The company has $237.25 million in cash and $894.46 million in debt, giving a net cash position of -$657.21 million or -$12.43 per share.

Cash & Cash Equivalents	237.25M
Total Debt	894.46M
Net Cash	-657.21M
Net Cash Per Share	-$12.43
Equity (Book Value)	1.88B
Book Value Per Share	35.62
Working Capital	-13.82B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	35.43%
Pretax Margin	33.32%
Profit Margin	25.75%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $1.88, which amounts to a dividend yield of 3.57%.

Dividend Per Share	$1.88
Dividend Yield	3.57%
Dividend Growth (YoY)	2.22%
Years of Dividend Growth	34
Payout Ratio	50.12%
Buyback Yield	0.79%
Shareholder Yield	4.36%
Earnings Yield	7.13%
FCF Yield	n/a

Analyst Forecast

The average price target for CBU is $68.00, which is 32.14% higher than the current price. The consensus rating is "Buy".

Price Target	$68.00
Price Target Difference	32.14%
Analyst Consensus	Buy
Analyst Count	3
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on April 13, 2004. It was a forward split with a ratio of 2:1.

Last Split Date	Apr 13, 2004
Split Type	Forward
Split Ratio	2:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	2