Stock CBU COMMUNITY BANK SYSTEM, INC.
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Financials Community Bank System, Inc.

Equities

CBU

US2036071064

Banks

Market Closed - Nyse
Other stock markets
 04:00:01 2024-04-26 pm EDT 		5-day change 1st Jan Change
44.64 USD -0.11% Intraday chart for Community Bank System, Inc. +0.31% -14.34%
Apr. 23 Transcript : Community Bank System, Inc., Q1 2024 Earnings Call, Apr 23, 2024
Apr. 23 Tranche Update on Community Bank System, Inc.'s Equity Buyback Plan announced on December 22, 2023. CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 3,668 3,336 4,017 3,383 2,782 2,355 -
Enterprise Value (EV) 1 3,668 3,336 4,017 3,383 2,782 2,355 2,355
P/E ratio 22 x 20.2 x 21.4 x 18.2 x 20.6 x 14 x 12.9 x
Yield 2.23% 2.66% 2.28% 2.76% 3.42% 4.06% 4.12%
Capitalization / Revenue 6.22 x 5.59 x 6.47 x 4.98 x 4.27 x 3.25 x 3.07 x
EV / Revenue 6.22 x 5.59 x 6.47 x 4.98 x 4.27 x 3.25 x 3.07 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 1.98 x 1.59 x 1.91 x 2.18 x 1.63 x 1.35 x 1.27 x
Nbr of stocks (in thousands) 51,702 53,542 53,931 53,734 53,386 52,765 -
Reference price 2 70.94 62.31 74.48 62.95 52.11 44.64 44.64
Announcement Date 1/22/20 1/25/21 1/24/22 1/24/23 1/23/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 589.8 596.8 620.6 679.4 652.1 723.7 768.3
EBITDA - - - - - - -
EBIT 1 266.9 272.1 236.7 263.9 246.1 242.6 271
Operating Margin 45.25% 45.6% 38.14% 38.85% 37.74% 33.53% 35.27%
Earnings before Tax (EBT) 1 209.3 206.1 241.3 240.3 174 220.7 238.4
Net income 1 169.1 164.7 189.7 188.1 136.5 170.8 184.8
Net margin 28.66% 27.59% 30.56% 27.69% 20.93% 23.6% 24.05%
EPS 2 3.230 3.080 3.480 3.460 2.530 3.195 3.455
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 1.580 1.660 1.700 1.740 1.780 1.814 1.841
Announcement Date 1/22/20 1/25/21 1/24/22 1/24/23 1/23/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 156.9 159.7 160.5 167.2 175.6 175.9 124.5 175.3 175.4 177 177.3 180.3 182.4 184.5 185.7
EBITDA - - - - - - - - - - - - - - -
EBIT 1 57.3 60.35 61.86 62.2 - 70.87 63.71 63.3 59.9 58.02 60.2 59.98 59.54 63.26 62.22
Operating Margin 36.52% 37.8% 38.53% 37.19% - 40.28% 51.16% 36.12% 34.16% 32.79% 33.96% 33.27% 32.65% 34.28% 33.51%
Earnings before Tax (EBT) 1 57.43 56.6 59.83 50.78 62.4 67.31 6.973 61.47 55.99 49.6 53.04 55.16 56.06 57.14 56.07
Net income 1 45.34 43.56 47.06 39.8 48.69 52.53 5.798 48.3 44.1 38.29 40.87 42.73 43.44 44.26 43.49
Net margin 28.89% 27.28% 29.31% 23.8% 27.72% 29.86% 4.66% 27.56% 25.15% 21.64% 23.06% 23.71% 23.82% 23.98% 23.43%
EPS 2 0.8300 0.8000 0.8600 0.7300 0.9000 0.9700 0.1100 0.8900 0.8200 0.7100 0.7600 0.8000 0.8129 0.8271 0.8138
Dividend per Share 2 0.4300 0.4300 0.4300 0.4300 0.4400 0.4400 0.4400 0.4400 0.4500 0.4500 0.4500 0.4500 0.4562 0.4575 0.4575
Announcement Date 10/25/21 1/24/22 4/25/22 7/25/22 10/24/22 1/24/23 4/25/23 7/31/23 10/24/23 1/23/24 4/23/24 - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 9.42% 8.13% 9.19% 10.9% 8.55% 10% 10.4%
ROA (Net income/ Total Assets) 1.53% 1.28% 1.28% 1.21% 0.9% 1.08% 1.14%
Assets 1 11,050 12,865 14,820 15,544 15,167 15,770 16,158
Book Value Per Share 2 35.80 39.30 39.00 28.90 31.90 33.10 35.20
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 1/22/20 1/25/21 1/24/22 1/24/23 1/23/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Community Bank System, Inc.

Trading Rating
Investor Rating
ESG Refinitiv
C+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
8
Last Close Price
44.64 USD
Average target price
52.43 USD
Spread / Average Target
+17.45%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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