CBU
Community Bank System, Inc. [CBU] Stock Forecast
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Community Bank System, Inc. (CBU) Q4 2022 Earnings Call Transcript
Community Bank System, Inc. (NYSE:CBU ) Q4 2022 Earnings Conference Call January 24, 2023 11:00 AM ET Company Participants Mark Tryniski - President and CEO Joseph Sutaris - EVP and CFO Dimitar Karaivanov - EVP of Financial Services and Corporate Development Conference Call Participants Alex Twerdahl - Piper Sandler Matthew Breese - Stevens Chris O'Connell - KBW Erik Zwick - The Hovde Group Operator Welcome to the Community Bank System Fourth Quarter and Full Year 2022 Earnings Conference Call. Please note that this presentation contains forward-looking statements within the provisions of the Private Securities Litigation Reform Act of 1995 that are based on current expectations, estimates and projections about the industry, markets and economic environment in which the company operates.
Community Bank System (CBU) Tops Q4 Earnings Estimates
Community Bank (CBU) delivered earnings and revenue surprises of 1.05% and 0.94%, respectively, for the quarter ended December 2022. Do the numbers hold clues to what lies ahead for the stock?
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Community Bank System Announces Fourth Quarter and Full Year 2022 Earnings Conference Call
SYRACUSE, N.Y. , Dec. 22, 2022 /PRNewswire/ -- Community Bank System, Inc. (NYSE: CBU) invites you to participate in a conference call to discuss the Company's financial and operating performance during its fourth quarter and full year ended December 31, 2022.
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Community Bank System, Inc. (CBU) Q3 2022 Earnings Call Transcript
Community Bank System, Inc. (NYSE:CBU ) Q3 2022 Earnings Conference Call October 24, 2022 11:00 AM ET Company Participants Mark Tryniski - President and CEO Joseph Sutaris - EVP and CFO Dimitar Karaivanov - EVP of Financial Services and Corporate Development Conference Call Participants Alex Twerdahl - Piper Sandler Eric Zwick - Hovde Group Chris O'Connell - KBW Matthew Breese - Stephens, Inc. Manuel Navas - D.A. Davidson Presentation Operator Welcome to the Community Bank System Third Quarter 2022 Earnings Conference Call.
Community Bank System (CBU) Q3 Earnings Miss Estimates
Community Bank (CBU) delivered earnings and revenue surprises of -5.26% and 1.42%, respectively, for the quarter ended September 2022. Do the numbers hold clues to what lies ahead for the stock?
Down 7.3% in 4 Weeks, Here's Why Community Bank (CBU) Looks Ripe for a Turnaround
The heavy selling pressure might have exhausted for Community Bank (CBU) as it is technically in oversold territory now. In addition to this technical measure, strong agreement among Wall Street analysts in revising earnings estimates higher indicates that the stock is ripe for a trend reversal.
Community Bank System Announces Third Quarter 2022 Earnings Conference Call
SYRACUSE, N.Y. , Sept. 23, 2022 /PRNewswire/ -- Community Bank System, Inc. (NYSE: CBU) invites you to participate in a conference call to discuss the Company's financial and operating performance during its third quarter ended September 30, 2022.
CBU Financial details
CBU Financial Performance
Yearly Fundamentals Overview
Last date of statement is 2021-12-31
| Metric | History | 2017-12-31 | 2018-12-31 | 2019-12-31 | 2020-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Revenue per share | 10.55 | 11.08 | 11.37 | 11.23 | 11.97 | |
| Net income per share | 3.07 | 3.28 | 3.26 | 3.1 | 3.66 | |
| Operating cash flow per share | 3.86 | 4.31 | 3.9 | 3.38 | 3.91 | |
| Free cash flow per share | 3.64 | 4.06 | 3.8 | 3.11 | 3.65 | |
| Cash per share | 66.24 | 61.23 | 62.66 | 97.77 | 36.16 | |
| Book value per share | 33.31 | 33.33 | 35.77 | 39.61 | 40.51 | |
| Tangible book value per share | 16.5 | 17.63 | 19.64 | 23.67 | 40.51 | |
| Share holders equity per share | 33.31 | 33.33 | 35.77 | 39.61 | 40.51 | |
| Interest debt per share | 3.31 | 3.35 | 2.5 | 2.04 | 6.61 | |
| Market cap | 2.62B | 3.1B | 3.5B | 3.44B | 3.7B | |
| Enterprise value | 2.55B | 3.04B | 3.4B | 1.89B | 2.16B | |
| P/E ratio | 17.41 | 18.36 | 20.71 | 20.92 | 19.53 | |
| Price to sales ratio | 5.06 | 5.44 | 5.94 | 5.78 | 5.97 | |
| POCF ratio | 13.83 | 13.98 | 17.29 | 19.19 | 18.29 | |
| PFCF ratio | 14.67 | 14.83 | 17.79 | 20.87 | 19.56 | |
| P/B Ratio | 1.6 | 1.81 | 1.89 | 1.64 | 1.76 | |
| PTB ratio | 1.6 | 1.81 | 1.89 | 1.64 | 1.76 | |
| EV to sales | 4.92 | 5.34 | 5.76 | 3.16 | 3.48 | |
| Enterprise value over EBITDA | 12.31 | 11.47 | 12.68 | 7.32 | 7.59 | |
| EV to operating cash flow | 13.45 | 13.72 | 16.78 | 10.51 | 10.66 | |
| EV to free cash flow | 14.27 | 14.56 | 17.27 | 11.43 | 11.4 | |
| Earnings yield | 0.06 | 0.05 | 0.05 | 0.05 | 0.05 | |
| Free cash flow yield | 0.07 | 0.07 | 0.06 | 0.05 | 0.05 | |
| Debt to equity | 0.08 | 0.06 | 0.05 | 0.04 | 0.16 | |
| Debt to assets | 0.85 | 0.84 | 0.84 | 0.85 | 0.86 | |
| Net debt to EBITDA | -0.35 | -0.22 | -0.38 | -6.05 | -5.43 | |
| Current ratio | 33.03 | 31.62 | 32.92 | 0 | 0 | |
| Interest coverage | 0 | 0 | 0 | 0 | 0 | |
| Income quality | 1.26 | 1.31 | 1.2 | 1.09 | 1.07 | |
| Dividend Yield | 0.02 | 0.02 | 0.02 | 0.03 | 0.02 | |
| Payout ratio | 0.41 | 0.42 | 0.47 | 0.53 | 0.48 | |
| Sales general and administrative to revenue | 0.46 | 0.45 | 0.46 | 0.48 | 0.47 | |
| Research and developement to revenue | 0 | 0 | 0 | 0 | 0 | |
| Intangibles to total assets | 0.08 | 0.08 | 0.07 | 0.06 | 0 | |
| Capex to operating cash flow | -0.06 | -0.06 | -0.03 | -0.08 | -0.07 | |
| Capex to revenue | -0.02 | -0.02 | -0.01 | -0.02 | -0.02 | |
| Capex to depreciation | -0.32 | -0.37 | -0.18 | -0.47 | -0.44 | |
| Stock based compensation to revenue | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | |
| Graham number | 47.97 | 49.6 | 51.23 | 52.56 | 57.74 | |
| ROIC | 0 | 0 | 0 | 0 | 0 | |
| Return on tangible assets | 0.02 | 0.02 | 0.02 | 0.01 | 0.01 | |
| Graham Net | -118.79 | -111.3 | -121.13 | -124.32 | -223.23 | |
| Working capital | 6.55B | 6.49B | 7.14B | 0 | 0 | |
| Tangible asset value | 810.23M | 906.43M | 1.02B | 1.26B | 0 | |
| Net current asset value | -2.35B | -2.2B | -2.2B | -2.46B | 0 | |
| Invested capital | 0.09 | 0.09 | 0.06 | 0.04 | 0.16 | |
| Average receivables | 37.6M | 35.04M | 35.34M | 39.03M | 0 | |
| Average payables | 205.65M | 194.09M | 222.97M | 230.72M | 220.76M | |
| Average inventory | 0 | 0 | 0 | 0 | 0 | |
| Days sales outstanding | 25.49 | 19.9 | 19.59 | 23.89 | 0 | |
| Days payables outstanding | 0 | 0 | 0 | 0 | 0 | |
| Days of inventory on hand | 0 | 0 | 0 | 0 | 0 | |
| Receivables turnover | 14.32 | 18.34 | 18.64 | 15.28 | 0 | |
| Payables turnover | 0 | 0 | 0 | 0 | 0 | |
| Inventory turnover | 0 | 0 | 0 | 0 | 0 | |
| ROE | 0.09 | 0.1 | 0.09 | 0.08 | 0.09 | |
| Capex per share | -0.22 | -0.25 | -0.11 | -0.27 | -0.25 |
Quarterly Fundamentals Overview
Last date of statement is 2022-09-30 for Q3
| Metric | History | 2021-06-30 | 2021-09-30 | 2022-03-31 | 2022-06-30 | 2022-09-30 |
|---|---|---|---|---|---|---|
| Revenue per share | 2.81 | 2.91 | 2.97 | 3.11 | 3.26 | |
| Net income per share | 0.89 | 0.84 | 0.87 | 0.74 | 0.9 | |
| Operating cash flow per share | 0.49 | 1.2 | 0.96 | 0.87 | 0.82 | |
| Free cash flow per share | 0.4 | 1.12 | 0.92 | 0.82 | 0.73 | |
| Cash per share | 115.44 | 123.79 | 126.09 | 3.67 | 100.65 | |
| Book value per share | 38.26 | 38.35 | 34.3 | 30.89 | 27.14 | |
| Tangible book value per share | 22.62 | 22.27 | 18.32 | 30.89 | 10.25 | |
| Share holders equity per share | 38.26 | 38.35 | 34.3 | 30.89 | 27.14 | |
| Interest debt per share | 0.18 | 0.17 | 0.15 | 5.87 | 2.75 | |
| Market cap | 4.08B | 3.69B | 3.79B | 3.4B | 3.23B | |
| Enterprise value | 1.88B | 1.38B | 2.77B | 3.52B | 3.13B | |
| P/E ratio | 21.25 | 20.36 | 20.12 | 21.38 | 16.61 | |
| Price to sales ratio | 26.89 | 23.53 | 23.59 | 20.35 | 18.41 | |
| POCF ratio | 155.15 | 56.86 | 72.93 | 72.46 | 73.3 | |
| PFCF ratio | 189.95 | 61.1 | 76.17 | 76.99 | 82.74 | |
| P/B Ratio | 1.98 | 1.78 | 2.05 | 2.05 | 2.21 | |
| PTB ratio | 1.98 | 1.78 | 2.05 | 2.05 | 2.21 | |
| EV to sales | 12.37 | 8.77 | 17.27 | 21.04 | 17.82 | |
| Enterprise value over EBITDA | 25.7 | 20.18 | 39.49 | 61.02 | 41.42 | |
| EV to operating cash flow | 71.4 | 21.19 | 53.37 | 74.9 | 70.92 | |
| EV to free cash flow | 87.42 | 22.77 | 55.74 | 79.59 | 80.06 | |
| Earnings yield | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 | |
| Free cash flow yield | 0.01 | 0.02 | 0.01 | 0.01 | 0.01 | |
| Debt to equity | 0 | 0 | 0 | 0.19 | 0.02 | |
| Debt to assets | 0.86 | 0.86 | 0.88 | 0.89 | 0.91 | |
| Net debt to EBITDA | -30.14 | -33.97 | -14.47 | 1.99 | -1.39 | |
| Current ratio | 0 | 0 | 0 | 0 | 0 | |
| Interest coverage | 0 | 0 | 0 | 0 | 0 | |
| Income quality | 0.55 | 1.43 | 1.1 | 1.18 | 0.91 | |
| Dividend Yield | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | |
| Payout ratio | 0.47 | 0.5 | 0.49 | 0.58 | 0.48 | |
| Sales general and administrative to revenue | 0.48 | 0.5 | 0.48 | 0.47 | 0.48 | |
| Research and developement to revenue | 0 | 0 | 0 | 0 | 0 | |
| Intangibles to total assets | 0.06 | 0.06 | 0.06 | 0 | 0.06 | |
| Capex to operating cash flow | -0.18 | -0.07 | -0.04 | -0.06 | -0.11 | |
| Capex to revenue | -0.03 | -0.03 | -0.01 | -0.02 | -0.03 | |
| Capex to depreciation | -0.65 | -0.58 | -0.29 | -0.36 | -0.66 | |
| Stock based compensation to revenue | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | |
| Graham number | 27.68 | 26.92 | 25.94 | 22.68 | 23.5 | |
| ROIC | 0 | 0 | 0 | 0 | 0 | |
| Return on tangible assets | 0 | 0 | 0 | 0 | 0 | |
| Graham Net | -120.55 | -121.45 | -128.48 | -253.36 | -161.32 | |
| Working capital | 0 | 0 | 0 | 0 | 0 | |
| Tangible asset value | 1.22B | 1.2B | 989.07M | 0 | 551.94M | |
| Net current asset value | -2.96B | -3.32B | 0 | 0 | 0 | |
| Invested capital | 0 | 0 | 0 | 0.19 | 0.1 | |
| Average receivables | 0 | 0 | 0 | 0 | 0 | |
| Average payables | 177.96M | 185.13M | 153.16M | 155.88M | 153.82M | |
| Average inventory | 0 | 0 | 0 | 0 | 0 | |
| Days sales outstanding | 21.94 | 19.54 | 21.63 | 0 | 21.33 | |
| Days payables outstanding | 0 | 0 | 0 | 0 | 0 | |
| Days of inventory on hand | 0 | 0 | 0 | 0 | 0 | |
| Receivables turnover | 4.1 | 4.61 | 4.16 | 0 | 4.22 | |
| Payables turnover | 0 | 0 | 0 | 0 | 0 | |
| Inventory turnover | 0 | 0 | 0 | 0 | 0 | |
| ROE | 0.02 | 0.02 | 0.03 | 0.02 | 0.03 | |
| Capex per share | -0.09 | -0.08 | -0.04 | -0.05 | -0.09 |
CBU Frequently Asked Questions
What is Community Bank System, Inc. stock symbol ?
Community Bank System, Inc. is a US stock , located in Dewitt of Ny and trading under the symbol CBU
Is Community Bank System, Inc. buy or a sell ?
1 stock analysts have 1 predictions with a medium analyst target price of $66. The lowest prediction is $66 and the highest is $66
What is CBU stock prediction ?
What is Community Bank System, Inc. stock quote today ?
Community Bank System, Inc. stock price is $62.53 today.
Is Community Bank System, Inc. stock public?
Yes, Community Bank System, Inc. is a publicly traded company.
Company Profile
- Volume Average 206.68K
- Market Capitalization 3B
- Employee 2.73K
- CEO Mr. Mark E. Tryniski
- Headquarters Dewitt,NY,US
- IPO Date 1985-11-26
-
Website
https://cbna.com 
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 deposit accounts, as well as time deposits. It also provides loans, including consumer mortgages; general purpose commercial and industrial loans, and mortgages on commercial properties; paycheck protection program loans; 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; cash management, investment, and treasury services; asset management; and employee benefit services, as well as operates as a full-service insurance agency that offers personal and commercial lines of insurance, and other risk management products and services. Further, it provides contribution plan administration, employee benefit trust, collective investment fund, retirement plan administration, fund administration, transfer agency, actuarial and benefit consulting, VEBA/HRA, and health and welfare consulting services. Additionally, the company offers wealth management, retirement planning, higher educational planning, fiduciary, risk management, trust, and personal financial planning services; and investment alternatives, including stocks, bonds, mutual funds, and advisory products, as well as master recordkeeping services. As of January 24, 2022, it operated approximately 215 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont, and Western Massachusetts. Community Bank System, Inc. was founded in 1866 and is headquartered in DeWitt, New York.
