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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.

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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.

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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.