CBU

Community Bank System, Inc. [CBU] Stock Forecast

Q: 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

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CBU Stock Summary

Earnings have grown 11.29% per last year.

CBU has more than 10 years of cash runway (121 months)

Earnings are expected to fall -100% next year

Unstable dividend track record

EPS has been decreasing for the past 3 years (Yearly statements)

EPS has been decreasing for the past 3 quarters (Quarter statements)

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CBU Financial details

Company Rating

Buy

Market Cap

2.29B

Income

131.92M

Revenue

688.96M

Book val./share

31.84

Cash/share

58.34

Dividend

1.78

Dividend %

3.55%

Employees

2.69K

Optionable

Shortable

Yes

Earnings

23 Apr 2024

P/E

17.92

Forward P/E

PEG

-6.11

P/S

4.12

P/B

1.74

P/C

0.75

P/FCF

11.24

Quick Ratio

2.97

Current Ratio

2.97

Debt / Equity

0.45

LT Debt / Equity

0.24

EPS (TTM)

2.46

EPS next Y

EPS next Q

EPS this Y

-29.6%

EPS next Y

EPS next 5Y

EPS last 5Y

-5.55%

Revenue last 5Y

5.09%

Revenue Q/Q

22.05%

EPS Q/Q

-23.17%

SMA20

-4.44%

SMA50

-4.44%

SMA100

-4.44%

Inst Own

62.58%

Inst Trans

0.83%

ROA

ROE

ROC

0.01%

Gross Margin

62%

Oper. Margin

34%

Profit Margin

23%

Payout

63%

Shs Outstand

Shs Float

Target Price

52W Range

35.38-55.64

52W High

-20.01%

52W Low

+25.7%

RSI

Rel Volume

0.62

Avg Volume

291.03K

Volume

180.56K

Perf Week

1.16%

Perf Month

-6.83%

Perf Quarter

13.83%

Perf Half Y

3.57%

Beta

0.653

Volatility

0.76%, 1.75%

Prev Close

3.57%

Price

43.995

Change

5.91%

CBU Financial Performance

Yearly Fundamentals Overview

Last date of statement is 2023-12-31

Metric	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31
	2.02K	2.02K	2.02K	2.02K	2.02K
Revenue per share	11.4	11.26	11.5	12.6	14.1
Net income per share	3.27	3.11	3.51	3.49	2.46
Operating cash flow per share	3.91	3.39	3.75	3.98	4.26
Free cash flow per share	3.8	3.12	3.51	3.74	3.91
Cash per share	62.81	98.05	126.15	80.93	58.04
Book value per share	35.86	39.72	38.92	28.79	31.68
Tangible book value per share	19.68	23.74	22.91	12.04	17.22
Share holders equity per share	35.86	39.72	38.92	28.79	31.68
Interest debt per share	7.34	12.84	12.53	35.8	14.64
Market cap	3.67B	3.3B	4.02B	3.39B	2.79B
Enterprise value	3.81B	2.03B	2.48B	5.09B	3.41B
P/E ratio	21.71	20.04	21.19	18.04	21.17
Price to sales ratio	6.22	5.53	6.48	4.99	3.69
POCF ratio	18.12	18.39	19.85	15.81	12.23
PFCF ratio	18.65	19.99	21.23	16.82	13.31
P/B Ratio	1.98	1.57	1.91	2.19	1.65
PTB ratio	1.98	1.57	1.91	2.19	1.65
EV to sales	6.46	3.4	3.99	7.49	4.51
Enterprise value over EBITDA	16.91	9.19	9.69	17.32	234.91
EV to operating cash flow	18.81	11.29	12.22	23.71	14.92
EV to free cash flow	19.36	12.27	13.07	25.23	16.25
Earnings yield	0.05	0.05	0.05	0.06	0.05
Free cash flow yield	0.05	0.05	0.05	0.06	0.08
Debt to equity	0.19	0.31	0.32	1.23	0.45
Debt to assets	0.03	0.05	0.04	0.12	0.05
Net debt to EBITDA	0.62	-5.78	-6.05	5.77	42.43
Current ratio	14.68	22.68	32.47	4.89	0.04
Interest coverage	7.88	9.87	18.55	12.06	-0.83
Income quality	1.2	1.09	1.07	1.14	1.74
Dividend Yield	0.02	0.03	0.02	0.03	0.03
Payout ratio	0.47	0.53	0.48	0.5	0.72
Sales general and administrative to revenue	0.44	0.46	0.47	0.38	0.37
Research and developement to revenue	0	0	0	0	0
Intangibles to total assets	0.07	0.06	0.06	0.06	0.06
Capex to operating cash flow	-0.03	-0.08	-0.07	-0.06	-0.08
Capex to revenue	-0.01	-0.02	-0.02	-0.02	-0.02
Capex to depreciation	-0.18	-0.47	-0.44	-0.42	-0.68
Stock based compensation to revenue	0.01	0.01	0.01	0.01	0.01
Graham number	51.35	52.71	55.48	47.55	41.88
ROIC	0.08	0.06	0.07	0.06	0
Return on tangible assets	0.02	0.01	0.01	0.01	0.01
Graham Net	-123.73	-140.59	-140.27	-185.81	-197.66
Working capital	3.06B	5B	6.63B	3.51B	-6.15B
Tangible asset value	1.02B	1.26B	1.24B	648.87M	923.04M
Net current asset value	-6.27B	-6.59B	-6.61B	-9.87B	-13.57B
Invested capital	0.19	0.31	0.32	1.23	0.45
Average receivables	31.35M	35.34M	37.46M	44.25M	53.57M
Average payables	186.34M	222.97M	220.76M	172.33M	66.93M
Average inventory	-118.97M	-961.84M	-1.8B	-1.09B	-63.29M
Days sales outstanding	19.59	23.89	21.11	28.27	26.33
Days payables outstanding	284.91	297.14	259.24	155.13	0
Days of inventory on hand	-314.99	-2.17K	-2.35K	-304.79	0
Receivables turnover	18.64	15.28	17.29	12.91	13.86
Payables turnover	1.28	1.23	1.41	2.35	0
Inventory turnover	-1.16	-0.17	-0.16	-1.2	0
ROE	0.09	0.08	0.09	0.12	0.08
Capex per share	-0.11	-0.27	-0.24	-0.24	-0.35

Quarterly Fundamentals Overview

Last date of statement is 2023-12-31 for Q4

Metric	2022-12-31	2023-03-31	2023-06-30	2023-09-30	2023-12-31
	2.02K	2.02K	2.02K	2.02K	2.02K
Revenue per share	3.27	2.31	3.27	3.28	4.01
Net income per share	0.98	0.11	0.9	0.82	0.63
Operating cash flow per share	1.33	1.44	0.77	1.21	0.84
Free cash flow per share	1.28	1.36	0.72	1.08	0.75
Cash per share	81.17	68.26	61.25	60.25	58.34
Book value per share	28.88	30.35	30.13	29.06	31.84
Tangible book value per share	12.07	14.49	14.22	-3.58	17.31
Share holders equity per share	28.88	30.35	30.13	29.06	31.84
Interest debt per share	35.69	8.42	9.46	12.65	14.5
Market cap	3.38B	2.83B	2.52B	2.26B	2.78B
Enterprise value	5.08B	3.02B	2.54B	2.12B	3.39B
P/E ratio	16.1	121.86	13.03	12.79	20.61
Price to sales ratio	19.23	22.74	14.36	12.88	12.98
POCF ratio	47.27	36.53	60.66	34.82	62.16
PFCF ratio	49.27	38.55	65.17	39	69.45
P/B Ratio	2.18	1.73	1.56	1.45	1.64
PTB ratio	2.18	1.73	1.56	1.45	1.64
EV to sales	28.87	24.28	14.52	12.08	15.86
Enterprise value over EBITDA	58.67	118.36	39.05	35.58	952.71
EV to operating cash flow	70.97	39	61.35	32.68	75.93
EV to free cash flow	73.98	41.16	65.91	36.6	84.84
Earnings yield	0.02	0	0.02	0.02	0.01
Free cash flow yield	0.02	0.03	0.02	0.03	0.01
Debt to equity	1.23	0.27	0.3	0.42	0.45
Debt to assets	0.12	0.03	0.03	0.04	0.05
Net debt to EBITDA	19.6	7.49	0.44	-2.33	172.79
Current ratio	4.89	1.45	1.66	2.97	0.04
Interest coverage	7.04	1.47	2.75	1.88	0
Income quality	1.36	13.34	0.86	1.48	1.17
Dividend Yield	0.01	0.01	0.01	0.01	0.01
Payout ratio	0.45	4.09	0.49	0.53	0.71
Sales general and administrative to revenue	0.36	0.58	0.39	0.4	0.33
Research and developement to revenue	0	0	0	0	0
Intangibles to total assets	0.06	0.06	0.06	0.06	0.06
Capex to operating cash flow	-0.04	-0.05	-0.07	-0.11	-0.11
Capex to revenue	-0.02	-0.03	-0.02	-0.04	-0.02
Capex to depreciation	-0.39	-0.56	-0.4	-1.02	-0.69
Stock based compensation to revenue	0.01	0.02	0.01	0.01	0.01
Graham number	25.2	8.57	24.7	23.22	21.28
ROIC	0.02	0.01	0.02	0.02	0
Return on tangible assets	0	0	0	0	0
Graham Net	-186.36	-186.69	-192.37	-202.76	-198.67
Working capital	3.51B	58.32M	88.67M	302.3M	-6.15B
Tangible asset value	648.87M	733.1M	715.7M	653.61M	923.04M
Net current asset value	-9.87B	-13.43B	-13.27B	-13.38B	-13.57B
Invested capital	1.23	0.27	0.3	0.42	0.45
Average receivables	47.12M	47.54M	44.29M	46.51M	50.73M
Average payables	142.81M	132.42M	132.54M	143.81M	76.75M
Average inventory	-276.28M	-268.88M	-295.17M	-432.92M	-206.91M
Days sales outstanding	26.92	30.76	23.67	24.09	22.93
Days payables outstanding	153.34	136.79	146.84	0	0
Days of inventory on hand	-301.27	-286.94	-345.57	0	0
Receivables turnover	3.34	2.93	3.8	3.74	3.92
Payables turnover	0.59	0.66	0.61	0	0
Inventory turnover	-0.3	-0.31	-0.26	0	0
ROE	0.03	0	0.03	0.03	0.02
Capex per share	-0.05	-0.08	-0.05	-0.13	-0.09

CBU Dividend History

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

What is Community Bank System, Inc. stock quote today ?

Community Bank System, Inc. stock price is $43.995 today.

Is Community Bank System, Inc. stock public?

Yes, Community Bank System, Inc. is a publicly traded company.

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Company Profile

Volume Average 291.03K
Market Capitalization 2.29B
Employee 2.69K
CEO Mr. Dimitar A. Karaivanov
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.