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Community Bank System (CBU)

Profile

Full Name

Community Financial System, Inc.

Ticker Symbol

CBU

Exchange

NYSE

Sector

Financial Services

Industry

Banks - Regional

Country

United States

IPO

November 26, 1985

Indexes

Not included

Website

http://communityfinancialsystem.com

Employees

2730

Key Details

Price

$51.47(-5.23%)

Market cap

$2.71B(Mid cap)

Last Dividend

$0.46

TTM Dividend yield

3.56%

Annual revenue

$746.30M(+14.49% YoY)

Annual EPS

$3.44(+40.41% YoY)

PE ratio

14.96

Next earnings date

Apr 29, 2025

Next ex-dividend date

N/A

Next split date

N/A

Price

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Current Price

$51.47
CBU price is $51.47

30-Day Relative Volume

1.10
CBU 30-day relative volume is 1.10

Price Performance

Price Today change

-5.23%
CBU price is down -5.23% today

Price YTD change

-16.55%
CBU price is down -16.55% since January 1st

Price 1-year change

+18.27%
CBU price is up +18.27% year-on-year

Price 3-year change

-24%
CBU price is down -24% over the past 3 years

Price Range

Price All-time high

$82.53
CBU price is currently -37.63% below its historical high of $82.53

Price 3-year low

$35.38
CBU price is currently +45.48% above its 3-year low

Capitalization

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Market cap

Market cap

$2.71B
CBU market capitalization is $2.71 billion

Market cap 3-year change

-25.69%
CBU market capitalization is down -25.69% over the past 3 years

Market cap All-time high

$4.43B
CBU market capitalization is currently -38.70% below its historical high of $4.43 billion

Market cap sector rank

72.05%
CBU market capitalization is higher than 72.05% of companies in Financial Services sector

Shares Outstanding

Shares Outstanding 1-Year Change

-0.1%
CBU shares outstanding is down -0.1% year-on-year

Shares Outstanding 3-Year Change

-2.23%
CBU shares outstanding is down -2.23% over the past 3 years

Technical Indicators

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Beta

0.90
CBU beta is 0.90

200-day SMA

$60.45
CBU price is currently -14.86% below its 200-day simple moving average

50-day SMA

$60.26
CBU price is currently -14.59% below its 50-day simple moving average

RSI

33.42
CBU 14-day relative strength index is 33.42

Volume

1.10
CBU 30-day relative volume is 1.10

ATR

$2.57
CBU average true range is $2.57

10-day Historical Volatility

60.68%
CBU 10-day historical volatility is 60.68%

Dividend

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Events

Last Paid Dividend

$0.46
CBU last dividend was $0.46 per share, with an ex-dividend date of March 14, 2025

Next Dividend

-
CBU next dividend has not yet been announced

Dividend per share

Dividend per share

$1.81
CBU annual dividend per share is $1.81

Dividend per share Sector Rank

82.58%
CBU annual dividend per share is higher than 82.58% of companies in Financial Services sector

Dividend per share 1-Year Change

+1.69%
CBU annual dividend per share is up +1.69% year-on-year

Dividend per share 3-Year Change

+6.47%
CBU annual dividend per share is up +6.47% over the past 3 years

Dividend yield

Dividend yield

3.52%
CBU annual dividend yield is 3.52%

Dividend yield Sector Rank

33.62%
CBU annual dividend yield is higher than 33.62% of companies in Financial Services sector

Other

Payout ratio

52.49%
CBU annual payout ratio is 52.49%

Dividends paid

$95.78M
CBU annual dividends paid is $95.78 million

Free cash flow

$221.57M
CBU annual free cash flow is $221.57 million

Income Statement

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Revenue

Revenue

$746.30M
CBU annual revenue is $746.30 million

Revenue Analysts estimate

$821.27M
CBU annual revenue is currently -9.13% lower than the consensus analysts' forecast

Revenue 1-year change

+14.49%
CBU annual revenue is up +14.49% year-on-year

Revenue Sector rank

73.61%
CBU annual revenue is higher than 73.61% of companies in Financial Services sector

EPS

EPS

$3.44
CBU annual earnings per share is $3.44

EPS Analysts estimate

$4.01
CBU annual earnings per share is currently -14.21% lower than the consensus analysts' forecast

EPS 1-year change

+40.41%
CBU annual earnings per share is up +40.41% year-on-year

EPS Sector rank

74.07%
CBU annual earnings per share is higher than 74.07% of companies in Financial Services sector

Profit

Gross profit

-
CBU annual gross profit value is unknown

Gross margin

-
CBU annual gross profit margin value is unknown

Operating profit

-
CBU annual operating income value is unknown

Operating margin

-
CBU annual operating profit margin value is unknown

Net income

$182.48M
CBU annual net profit is $182.48 million

Net margin

24.45%
CBU annual net profit margin is 24.45%

Expenses

Total expenses

-
CBU annual total expenses value is unknown

Operating expenses

$330.50M
CBU annual total operating expenses is $330.50 million

Cost of goods sold

-
CBU annual cost of goods sold value is unknown

Selling, general & administrative expenses

$316.84M
CBU annual SGA is $316.84 million

Depreciation and amortization

$28.66M
CBU annual depreciation & amortization is $28.66 million

Interest expense

-
CBU annual interest expense value is unknown

Income tax

$54.22M
CBU annual income tax is $54.22 million

EBIT & EBITDA

EBIT

$431.12M
CBU annual earnings before interest & taxes is $431.12 million

EBITDA

$459.77M
CBU annual EBITDA is $459.77 million

Balance Sheet

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Assets

Total assets

$16.39B
CBU annual total assets is $16.39 billion

Non current assets

$16.06B
CBU annual long term assets is $16.06 billion

Current assets

$563.30M
CBU annual total current assets is $563.30 million

Cash and cash equivalents

$191.89M
CBU annual cash & cash equivalents is $191.89 million

Accounts receivable

$54.34M
CBU annual accounts receivable is $54.34 million

Inventory

-
CBU annual inventory value is unknown

Liabilities

Total liabilities

$14.62B
CBU annual total liabilities is $14.62 billion

Long term liabilities

$14.06B
CBU annual total long term liabilities is $14.06 billion

Current liabilities

$379.55M
CBU annual total current liabilities is $379.55 million

Accounts payable

-
CBU annual accounts payable value is unknown

Debt

Total debt

$737.31M
CBU annual total debt is $737.31 million

Total debt 1-year change

+60.08%
CBU annual total debt is up +60.08% year-on-year

Long term debt

$619.31M
CBU annual long term debt is $619.31 million

Short term debt

$118.00M
CBU annual short term debt is $118.00 million

Equity & Capital

Shareholders equity

$1.76B
CBU annual stockholders equity is $1.76 billion

Book value

$1.76B
CBU annual book value is $1.76 billion

Retained earnings

$1.28B
CBU annual retained earnings is $1.28 billion

Working capital

$183.75M
CBU annual working capital is $183.75 million

Cash Flow Statement

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Cashflow Activities

Cash from operations

$242.28M
CBU annual cash flow from operations is $242.28 million

Cash from operations 1-year change

+6.07%
CBU annual cash flow from operations is up +6.07% year-on-year

Cash from investing

-$835.62M
CBU annual cash flow from investing activities is -$835.62 million

Cash from investing 1-year change

-348.86%
CBU annual cash flow from investing activities is down -348.86% year-on-year

Cash from financing

$599.38M
CBU annual cash flow from financing activities is $599.38 million

Cash from financing 1-year change

+202.79%
CBU annual cash flow from financing activities is up +202.79% year-on-year

CAPEX

CAPEX

$20.70M
CBU annual capital expenditures is $20.70 million

CAPEX 1-year change

+11.4%
CBU annual capital expenditures is up +11.4% year-on-year

Free Cash Flow

Free cash flow

$221.57M
CBU annual free cash flow is $221.57 million

Free cash flow 1-year change

+5.59%
CBU annual free cash flow is up +5.59% year-on-year

Profitability Ratios

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Margins

Gross margin

-
CBU annual gross profit margin value is unknown

Operating margin

-
CBU annual operating profit margin value is unknown

Net margin

24.45%
CBU annual net profit margin is 24.45%

ROA & ROE

ROA

1.14%
CBU annual return on assets is 1.14%

ROE

10.55%
CBU annual return on equity is 10.55%

Valuation

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PE Ratio

PE ratio

14.96
CBU price to earnings ratio is 14.96

PE ratio Sector rank

63.17%
CBU price to earnings ratio is higher than 63.17% of companies in Financial Services sector

PB Ratio

PB ratio

1.54
CBU price to book ratio is 1.54

PB ratio Sector rank

70.48%
CBU price to book ratio is higher than 70.48% of companies in Financial Services sector

PS Ratio

PS ratio

3.64
CBU price to sales ratio is 3.64

PS ratio Sector rank

71.35%
CBU price to sales ratio is higher than 71.35% of companies in Financial Services sector

Enterprise value

Enterprise value

$3.26B
CBU enterprise value is $3.26 billion

Enterprise value Sector rank

71.75%
CBU enterprise value is higher than 71.75% of companies in Financial Services sector

EV/EBITDA

EV/EBITDA

7.09
CBU EV/EBITDA is 7.09

EV/EBITDA Sector rank

73.88%
CBU EV/EBITDA is higher than 73.88% of companies in Financial Services sector

Financial Health

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Liquidity

Current ratio

1.48
CBU annual current ratio is 1.48

Quick ratio

-
CBU annual quick ratio value is unknown

Leverage

Debt to equity

0.42
CBU annual debt to equity ratio is 0.42

Interest coverage ratio

-
CBU annual interest coverage ratio value is unknown

Risk & Stability

Piotroski F-Score

-
CBU piotroski f-score value is unknown

Altman Z-Score

0.37
CBU altman z-score is 0.37

Analyst ratings

Recent major analysts updates

Jan 22, 25 Keefe, Bruyette & Woods
Market Perform
Dec 4, 24 Keefe, Bruyette & Woods
Market Perform
Oct 28, 24 Raymond James
Strong Buy
Sep 10, 24 Keefe, Bruyette & Woods
Market Perform
Mar 14, 24 DA Davidson
Neutral
Jan 5, 24 Raymond James
Outperform
Oct 25, 23 Raymond James
Outperform
Oct 25, 23 Piper Sandler
Underweight
Aug 1, 23 Raymond James
Outperform
Jun 28, 23 Hovde Group
Outperform

Institutional Ownership

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  • What is the ticker symbol for Community Bank System?
  • Does Community Bank System pay dividends?
  • What sector is Community Bank System in?
  • What industry is Community Bank System in?
  • What country is Community Bank System based in?
  • When did Community Bank System go public?
  • Is Community Bank System in the S&P 500?
  • Is Community Bank System in the NASDAQ 100?
  • Is Community Bank System in the Dow Jones?
  • When was Community Bank System's last earnings report?
  • When does Community Bank System report earnings?
  • Should I buy Community Bank System stock now?

What is the ticker symbol for Community Bank System?

The ticker symbol for Community Bank System is NYSE:CBU

Does Community Bank System pay dividends?

Yes, Community Bank System pays dividends. The last payment was $0.46, with an ex-dividend date on March 14, 2025

What sector is Community Bank System in?

Community Bank System is in the Financial Services sector

What industry is Community Bank System in?

Community Bank System is in the Banks - Regional industry

What country is Community Bank System based in?

Community Bank System is headquartered in United States

When did Community Bank System go public?

Community Bank System's initial public offering (IPO) was on November 26, 1985

Is Community Bank System in the S&P 500?

No, Community Bank System is not included in the S&P 500 index

Is Community Bank System in the NASDAQ 100?

No, Community Bank System is not included in the NASDAQ 100 index

Is Community Bank System in the Dow Jones?

No, Community Bank System is not included in the Dow Jones index

When was Community Bank System's last earnings report?

Community Bank System's most recent earnings report was on Jan 21, 2025

When does Community Bank System report earnings?

The next expected earnings date for Community Bank System is Apr 29, 2025

Should I buy Community Bank System stock now?

As of today, analysts generally recommend a 'Buy' rating. However, it's important to do your own research and consider your financial situation before making any investment decisions
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