Ticker
CBU

Price
67.39
Stock movement down
-0.54 (-0.79%)
Company name
Community Bank System Inc
Exchange
(NYSE
,
Currency
USD
)
Sector
Financial Services >
Banks-Regional
Market cap
3.63B
Ent value
16.39B
Price/Sales
5.78
Price/Book
1.96
Div yield
2.55%
Div growth
6.17%
Growth years
29
FCF payout
53.33%
Trailing P/E
19.76
Forward P/E
18.12
PEG
2.47
EPS growth
7.00%
1 year return
-9.13%
3 year return
3.96%
5 year return
5.44%
10 year return
9.08%
Last updated: 2022-08-25

DIVIDENDS

Dividend yield - 5y

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Dividend yield data
Dividend per share1.72
Dividend yield2.55%
Payout frequencyQuarterly
Maximum yield3.39%
Average yield2.51%
Minimum yield2.04%
Discount to avg yield1.82%
Upside potential1.85%
Yield as % of max yield75.32%

Yield distribution (inverse percentile) - 5y

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Yield distribution data
Dividend yield2.55%
Current yield distribution33.65%
Yield at 100% (Min)2.04%
Yield at 90%2.28%
Yield at 80%2.34%
Yield at 50% (Median)2.48%
Yield at 20%2.67%
Yield at 10%2.78%
Yield at 0% (Max)3.39%

Dividend per share

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Dividend per share data
Years of growth29 years
CCC statusDividend Champion
Dividend per share1.72
Payout frequencyQuarterly
Ex-div date14 Jun 2022
EPS (TTM)3.41
EPS (1y forward)3.72
EPS growth (5y)7.00%
EPS growth (5y forward)8.00%

Dividend growth

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Dividend growth data
CBUS&P500
DGR MR2.38%15.44%
DGR TTM2.38%7.80%
DGR 3 years5.69%3.88%
DGR 5 years6.17%4.73%
DGR 10 years5.45%8.30%
DGR 15 years5.33%5.82%
Time since last change announced438 days
EPS growth (5y)7.00%
EPS growth (5y forward)8.00%

Payout ratio

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Payout ratio data
EPS coverageFCF coverage
TTM37.25%53.33%
Average--
Forward46.24%-

VALUATION

Valuation Ratios

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Valuation Ratios data
Trailing P/E19.76
Price to OCF25.81
Price to FCF28.29
Price to EBITDA17.44
EV to EBITDA78.65

Valuation (Sales/Book Value)

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Valuation (Sales/Book Value) data
Price to Sales5.78
Price to Book1.96
EV to Sales26.06

FINANCIALS

Per share

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Per share data
Current share count53.91M
EPS (TTM)3.41
FCF per share (TTM)2.38

Income statement

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Income statement data
Revenue (TTM)628.71M
Gross profit (TTM)466.00M
Operating income (TTM)56.72M
Net income (TTM)183.90M
EPS (TTM)3.41
EPS (1y forward)3.72

Margins

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Margins data
Gross margin (TTM)74.12%
Operating margin (TTM)9.02%
Profit margin (TTM)29.25%

Balance Sheet

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Balance Sheet data
Cash1.02B
Net receivables38.59M
Total current assets6.85B
Goodwill799.08M
Intangible assets63.96M
Property, plant and equipment0.00
Total assets15.63B
Accounts payable150.45M
Short/Current long term debt5.13M
Total current liabilities3.27M
Total liabilities13.77B
Shareholder's equity1.85B
Net tangible assets989.07M

Cash flow

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Cash flow data
Operating cash flow (TTM)140.74M
Capital expenditures (TTM)12.30M
Free cash flow (TTM)128.44M
Dividends paid (TTM)68.50M

Financial returns

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Financial returns data
Return on Equity9.93%
Return on Assets1.18%
Return on Invested Capital8.52%
Cash Return on Invested Capital5.95%

STOCK INFORMATION

Stock chart

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Stock price data
Open67.60
Daily high67.74
Daily low66.64
Daily Volume148K
All-time high82.46
1y analyst estimate72.20
Beta0.68
EPS (TTM)3.41
Dividend per share1.72
Ex-div date14 Jun 2022
Next earnings date24 Oct 2022

Downside potential

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Downside potential data
CBUS&P500
Current price drop from All-time high-18.28%-13.41%
Highest price drop-56.45%-56.47%
Date of highest drop9 Jan 19919 Mar 2009
Avg drop from high-15.27%-11.38%
Avg time to new high22 days12 days
Max time to new high1282 days1805 days
COMPANY DETAILS
CBU (Community Bank System Inc) company logo
Marketcap
3.63B
Marketcap category
Mid-cap
Description
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.
Employees
2728
SEC filings
CEO
Mark Tryniski
Country
USA
City
De Witt
Stock type
Common stock
CCC status
Dividend Champion
Dividend Frequency
Quarterly
EVENTS AND PRESENTATIONS
EventsPresentations
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UNDERSTAND THE BUSINESS
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COMPANY NEWS
All newsPress releases
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.
September 23, 2022
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Community Bank System (CBU) have what it takes? Let's find out.
September 21, 2022
Regular readers will know that we love our dividends at Simply Wall St, which is why it's exciting to see Community...
September 10, 2022
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Community Bank System (CBU) have what it takes? Let's find out.
September 5, 2022
Community Bank System, Inc. ( NYSE:CBU ) has announced that it will be increasing its dividend from last year's...
August 27, 2022
SYRACUSE, N.Y., August 25, 2022--Community Bank System, Inc. (NYSE: CBU) (the "Company") announced two senior management changes.
August 25, 2022
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Community Bank System (CBU) have what it takes? Let's find out.
August 18, 2022
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Community Bank System (CBU) have what it takes? Let's find out.
August 2, 2022
The board of Community Bank System, Inc. ( NYSE:CBU ) has announced that it will be paying its dividend of $0.44 on the...
July 28, 2022
Companies In The News Are: NEM, VLO, CBU, META
July 26, 2022
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