Community Bank System Inc

Company Profile

Community Bank System Inc had its IPO on 1985-11-27 under the ticker symbol CBU.

The company operates in the Financial Services sector and Banks-Regional industry. Community Bank System Inc has a staff strength of 2,839 employees.

Stock update

Shares of Community Bank System Inc opened at $44.71 at the start of the last trading session i.e. 2023-09-12.

The stocks traded within a range of $43.89 - $44.98, and closed at $44.13.

This is a -0.76% slip from the previous day's closing price.

A total volume of 214,814 shares were traded at the close of the day’s session.

In the last one week, shares of Community Bank System Inc have slipped by -7.04%.

Community Bank System Inc's Key Ratios

Community Bank System Inc has a market cap of $2.75 billion, indicating a price to book ratio of 2.198 and a price to sales ratio of 4.8805.

In the last 12-months Community Bank System Inc’s revenue was $625.73 million with a gross profit of $664.58 million and an EBITDA of $0. The EBITDA ratio measures Community Bank System Inc's overall financial performance and is widely used to measure its profitability.

In the trailing 12-month period, Community Bank System Inc’s operating margin was 33.06% while its return on assets stood at 0.95% with a return of equity of 8.42%.

In Q1, Community Bank System Inc’s quarterly earnings growth was a negative -87.5% while revenue growth was a negative 24.3%.

Community Bank System Inc’s PE and PEG Ratio

Forward PE

20

Trailing PE

17.8118

PEG

2.17

Its diluted EPS in the last 12-months stands at $2.87 per share while it has a forward price to earnings multiple of 20 and a PEG multiple of 2.17. A low price to earnings ratio can mean the stock is attractively valued while a high ratio suggests the stock may be overvalued.

The PEG on the other hand provides a broader view compared to the P/E ratio and gives greater insight into Community Bank System Inc’s profitability.

Community Bank System Inc stock is trading at a EV to sales ratio of 0 and a EV to EBITDA ratio of 0. Its price to sales ratio in the trailing 12-months stood at 4.8805.

Community Bank System Inc stock pays annual dividends of $1.75 per share, indicating a yield of 3.51% and a payout ratio of 63.77%.

Balance sheet and cash flow metrics

Total Assets

$15.26 billion

Total Liabilities

$130.98 million

Operating Cash Flow

$596.07 million

Capital Expenditure

$4.07 million

Dividend Payout Ratio

63.77%

Community Bank System Inc ended 2024 with $15.26 billion in total assets and $0 in total liabilities. Its intangible assets were valued at $15.26 billion while shareholder equity stood at $1.63 billion.

Community Bank System Inc ended 2024 with $0 in deferred long-term liabilities, $130.98 million in other current liabilities, 54360000.00 in common stock, $1.13 billion in retained earnings and $842.94 million in goodwill. Its cash balance stood at $189.30 million and cash and short-term investments were $189.30 million. The company’s total short-term debt was $17,284,000 while long-term debt stood at $380.29 million.

Community Bank System Inc’s total current assets stands at $189.30 million while long-term investments were $4.63 billion and short-term investments were $3.49 billion. Its net receivables were $42.48 million compared to accounts payable of $130.98 million and inventory worth $0.

In 2024, Community Bank System Inc's operating cash flow was $596.07 million while its capital expenditure stood at $4.07 million.

Comparatively, Community Bank System Inc paid $0.64 in dividends in 2024.

Other key metrics

Current Trading Price

$44.13

52-Week High

$71.2242

52-Week Low

$44.26

Analyst Target Price

$53.83

Community Bank System Inc stock is currently trading at $44.13 per share. It touched a 52-week high of $71.2242 and a 52-week low of $71.2242. Analysts tracking the stock have a 12-month average target price of $53.83.

Its 50-day moving average was $48.74 and 200-day moving average was $53.11 The short ratio stood at 4.87 indicating a short percent outstanding of 0%.

Around 129.4% of the company’s stock are held by insiders while 7465% are held by institutions.