Community Bank System, Inc. (CBU)
Total Valuation
CBU has a market cap or net worth of $3.43 billion. The enterprise value is $2.71 billion.
| Market Cap | 3.43B |
| Enterprise Value | 2.71B |
Important Dates
The next earnings date is Monday, July 25, 2022, before market open.
| Estimated Earnings Date | Jul 25, 2022 |
| Ex-Dividend Date | Jun 14, 2022 |
Share Statistics
CBU has 53.91 million shares outstanding. The number of shares has increased by 0.35% in one year.
| Shares Outstanding | 53.91M |
| Shares Change (YoY) | +0.35% |
| Shares Change (QoQ) | -0.12% |
| Owned by Insiders (%) | 1.21% |
| Owned by Institutions (%) | 73.17% |
| Float | 53.26M |
Valuation Ratios
The trailing PE ratio is 18.86 and the forward PE ratio is 19.42. CBU's PEG ratio is 2.17.
| PE Ratio | 18.86 |
| Forward PE | 19.42 |
| PS Ratio | 5.43 |
| PB Ratio | 1.85 |
| P/FCF Ratio | 19.23 |
| PEG Ratio | 2.17 |
Enterprise Valuation
The stock's EV/EBITDA ratio is 10.18, with a EV/FCF ratio of 15.22.
| EV / Earnings | 14.74 |
| EV / Sales | 4.30 |
| EV / EBITDA | 10.18 |
| EV / EBIT | 11.48 |
| EV / FCF | 15.22 |
Financial Position
The company has a current ratio of n/a, with a Debt / Equity ratio of 0.17.
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 0.17 |
| Debt / EBITDA | 1.15 |
| Debt / FCF | 1.72 |
Financial Efficiency
Return on equity (ROE) is 9.10%, which is not very high. The company has a high ROIC of 1.80%.
| Return on Equity (ROE) | 9.10% |
| Return on Assets (ROA) | 1.20% |
| Return on Capital (ROIC) | 1.80% |
| Revenue Per Employee | $231,276 |
| Profits Per Employee | $67,412 |
| Employee Count | 2,728 |
| Asset Turnover | 0.04 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, CBU has paid $52.32 million in taxes.
| Income Tax | 52.32M |
| Effective Tax Rate | 22.15% |
Stock Price Statistics
The stock price has decreased by -16.47% in the last 52 weeks. The beta is 0.69, so CBU's price volatility has been lower than the market average.
| Beta (1Y) | 0.69 |
| 52-Week Price Change | -16.47% |
| 50-Day Moving Average | 63.87 |
| 200-Day Moving Average | 68.99 |
| Average Volume (30 Days) | 229,519 |
Short Selling Information
The latest short interest is 1.57 million, so 2.92% of the outstanding shares have been sold short.
| Short Interest | 1.57M |
| Short % of Shares Out | 2.92% |
| Short % of Float | 2.96% |
| Short Ratio (days to cover) | 8.03 |
Income Statement
In the last 12 months, CBU had revenue of $630.92 million and earned 183.90 million in profits. Earnings per share was $3.37.
| Revenue | 630.92M |
| Gross Profit | 630.92M |
| Operating Income | 236.22M |
| Pretax Income | 236.22M |
| Net Income | 183.90M |
| EBITDA | 266.40M |
| EBIT | 236.22M |
| Earnings Per Share (EPS) | $3.37 |
Balance Sheet
The company has $1.02 billion in cash and $305.67 million in debt, giving a net cash position of $715.26 million or $13.27 per share.
| Cash & Cash Equivalents | 1.02B |
| Total Debt | 305.67M |
| Net Cash | 715.26M |
| Net Cash Per Share | $13.27 |
| Book Value | 1.85B |
| Book Value Per Share | 34.36 |
| Working Capital | n/a |
Cash Flow
In the last 12 months, operating cash flow was $192.67 million and capital expenditures -$14.51 million, giving a free cash flow of $178.16 million.
| Operating Cash Flow | 192.67M |
| Capital Expenditures | -14.51M |
| Free Cash Flow | 178.16M |
| FCF Per Share | $3.30 |
Margins
Gross margin is 100.00%, with operating and profit margins of 37.44% and 29.15%.
| Gross Margin | 100.00% |
| Operating Margin | 37.44% |
| Pretax Margin | 37.44% |
| Profit Margin | 29.15% |
| EBITDA Margin | 42.22% |
| EBIT Margin | 37.44% |
| FCF Margin | 28.24% |
Dividends & Yields
This stock pays an annual dividend of $1.72, which amounts to a dividend yield of 2.71%.
| Dividend Per Share | $1.72 |
| Dividend Yield | 2.71% |
| Earnings Yield | 5.37% |
| FCF Yield | 5.20% |
| Dividend Growth (YoY) | 2.38% |
| Payout Ratio | 50.10% |
| Buyback Yield | n/a |
| Shareholder Yield | 2.71% |
Analyst Forecast
The average price target for CBU is $75.38, which is 18.60% higher than the current price. The consensus rating is "Sell".
| Price Target | $75.38 |
| Price Target Difference | 18.60% |
| Analyst Consensus | Sell |
| Analyst Count | 15 |
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 |