Community Financial System, Inc. (CBU)

CBU Statistics

Total Valuation

CBU has a market cap or net worth of $2.99 billion. The enterprise value is $3.58 billion.

Market Cap	2.99B
Enterprise Value	3.58B

Important Dates

The next confirmed earnings date is Tuesday, April 29, 2025, before market open.

Earnings Date	Apr 29, 2025
Ex-Dividend Date	Mar 14, 2025

Share Statistics

CBU has 52.71 million shares outstanding. The number of shares has decreased by -1.57% in one year.

Current Share Class	52.71M
Shares Outstanding	52.71M
Shares Change (YoY)	-1.57%
Shares Change (QoQ)	+0.76%
Owned by Insiders (%)	1.31%
Owned by Institutions (%)	73.96%
Float	52.00M

Valuation Ratios

The trailing PE ratio is 16.50 and the forward PE ratio is 14.09.

PE Ratio	16.50
Forward PE	14.09
PS Ratio	4.14
Forward PS	3.64
PB Ratio	1.70
P/TBV Ratio	3.47
P/FCF Ratio	13.50
P/OCF Ratio	12.35
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	19.68
EV / Sales	4.94
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	16.14

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	4.78
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 10.55%.

Return on Equity (ROE)	10.55%
Return on Assets (ROA)	1.14%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$247,954
Profits Per Employee	$62,283
Employee Count	2,918
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CBU has paid $54.22 million in taxes.

Income Tax	54.22M
Effective Tax Rate	22.91%

Stock Price Statistics

The stock price has increased by +19.73% in the last 52 weeks. The beta is 0.67, so CBU's price volatility has been lower than the market average.

Beta (5Y)	0.67
52-Week Price Change	+19.73%
50-Day Moving Average	62.25
200-Day Moving Average	60.01
Relative Strength Index (RSI)	35.34
Average Volume (20 Days)	257,214

Short Selling Information

The latest short interest is 1.54 million, so 2.91% of the outstanding shares have been sold short.

Short Interest	1.54M
Short Previous Month	1.47M
Short % of Shares Out	2.91%
Short % of Float	2.95%
Short Ratio (days to cover)	6.91

Income Statement

In the last 12 months, CBU had revenue of $723.53 million and earned $181.74 million in profits. Earnings per share was $3.44.

Revenue	723.53M
Gross Profit	723.53M
Operating Income	251.76M
Pretax Income	214.92M
Net Income	181.74M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$3.44

Balance Sheet

The company has $474.04 million in cash and $1.06 billion in debt, giving a net cash position of -$585.11 million or -$11.10 per share.

Cash & Cash Equivalents	474.04M
Total Debt	1.06B
Net Cash	-585.11M
Net Cash Per Share	-$11.10
Equity (Book Value)	1.76B
Book Value Per Share	33.47
Working Capital	-13.41B

Cash Flow

In the last 12 months, operating cash flow was $242.28 million and capital expenditures -$20.70 million, giving a free cash flow of $221.57 million.

Operating Cash Flow	242.28M
Capital Expenditures	-20.70M
Free Cash Flow	221.57M
FCF Per Share	$4.20

Margins

Gross Margin	n/a
Operating Margin	34.80%
Pretax Margin	32.72%
Profit Margin	25.22%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	30.62%

Dividends & Yields

This stock pays an annual dividend of $1.84, which amounts to a dividend yield of 3.24%.

Dividend Per Share	$1.84
Dividend Yield	3.24%
Dividend Growth (YoY)	2.23%
Years of Dividend Growth	34
Payout Ratio	53.49%
Buyback Yield	1.57%
Shareholder Yield	4.81%
Earnings Yield	6.08%
FCF Yield	7.41%

Analyst Forecast

The average price target for CBU is $71.00, which is 25.11% higher than the current price. The consensus rating is "Buy".

Price Target	$71.00
Price Target Difference	25.11%
Analyst Consensus	Buy
Analyst Count	3
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

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	4