CBU - Intrinsic Value and Financial Analysis - Community Bank System, Inc.

Community Bank System, Inc. CBU

Financial Services - Banks - Regional - NYSE - US

Watchlist

$ 69.07

0.626 %

$ 3.63 B

Market Cap

22.07

P/E

BALANCE SHEET

15.6 B ASSETS

Growth Rates

1Year -1.26%

3Years 3.92%

5Years 8.07%

7Years 8.79%

10Years 8.22%

13.9 B LIABILITIES

Growth Rates

1Year -2.42%

3Years 5.63%

5Years 9.40%

7Years 9.32%

10Years 8.40%

1.7 B EQUITY

Growth Rates

1Year 9.42%

3Years -6.90%

5Years -0.20%

7Years 5.11%

10Years 6.84%

BALANCE SHEET DECOMPOSITION

Balance Sheet Decomposition Community Bank System, Inc.

15.6 B ASSETS
13.9 B LIABILITIES

Current Assets	438 M
Cash & Short-Term Investments	191 M
Receivables	0
Other Current Assets	247 M
Non-Current Assets	19.4 B
Long-Term Investments	4.1 B
PP&E	173 M
Other Non-Current Assets	15.1 B

Current Liabilities	6.08 B
Accounts Payable	0
Short-Term Debt	53 M
Other Current Liabilities	6.03 B
Non-Current Liabilities	7.55 B
Long-Term Debt	408 M
Other Non-Current Liabilities	7.14 B

Balance Sheet

Millions

	Dec-2023	Dec-2022	Dec-2021	Dec-2020	Dec-2019	Dec-2018	Dec-2017	Dec-2016	Dec-2015	Dec-2014	Dec-2013	Dec-2012	Dec-2011	Dec-2010	Dec-2009	Dec-2008	Dec-2007	Dec-2006	Dec-2005	Dec-2004	Dec-2003	Dec-2002	Dec-2001	Dec-2000	Dec-1999	Dec-1998	Dec-1997	Dec-1996	Dec-1995	Dec-1994	Dec-1993	Dec-1992	Dec-1991	Dec-1990	Dec-1989
ASSETS
Cash & Cash Equivalents	191.0	209.9	1 875.1	1 645.8	205.0	211.8	221.0	173.9	153.2	138.4	149.6	228.6	324.9	211.8	361.9	213.8	130.8	232.0	114.6	118.3	103.9	113.5	106.6	59.3	100.7	78.9	82.1	52.5	62.9	30.5	27.6	28.5	40.5	40.3	40.8
Short Term Investments	(4 033.1)	4 151.9	4 934.2	3 547.9	3 044.4	2 936.0	3 031.1	2 748.7	2 808.1	2 472.9	2 186.2	2 121.4	1 539.0	1 086.0	1 096.5	1 314.1	1 254.6	1 083.4	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Receivables	0	52.6	35.9	39.0	31.6	31.0	36.2	31.1	25.9	24.6	25.5	32.3	28.6	26.1	25.1	26.1	25.5	26.8	25.2	27.9	25.9	22.8	22.6	18.5	14.2	12.4	13.4	10.8	9.2	6.7	4.5	5.5	4.9	5.3	4.7
Inventory	0	(263.0)	(1 911.7)	(1 685.7)	(237.9)	(244.2)	(259.1)	(206.9)	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Current Assets	246.7	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	2 886.1	1 867.0	1 650.8	1 510.1	1 455.9	1 232.6	1 029.0	861.6	670.5	624.2	577.0	557.9	527.3
Total Current Assets	437.7	4 414.4	6 845.2	5 232.7	3 281.1	3 178.9	3 288.3	2 953.6	2 987.2	2 636.0	2 361.3	2 382.3	353.5	238.0	387.0	239.8	156.4	258.8	139.8	146.3	129.8	136.3	3 015.2	1 944.8	1 765.7	1 601.4	1 551.4	1 295.9	1 101.1	898.8	702.6	658.2	622.4	603.5	572.8
PP&E	173.4	160.8	160.7	165.7	164.6	120.0	123.4	112.3	114.4	93.6	93.6	89.9	86.0	81.6	76.9	73.3	69.7	66.2	65.2	63.5	61.7	57.0	53.3	26.9	25.5	24.9	23.6	16.8	16.9	10.6	10.0	10.5	11.1	12.9	12.5
Intangible Assets	52.6	61.0	65.2	52.9	63.1	73.8	90.7	15.7	20.9	11.8	15.5	17.4	360.6	14.0	20.0	22.3	19.8	24.7	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Goodwill	845.4	841.8	799.1	793.7	773.8	733.5	734.4	465.1	463.3	375.2	375.0	369.7	345.1	297.7	297.7	301.1	234.4	220.3	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Long Term Investments	4 099.2	5 314.9	4 979.1	3 595.3	3 088.3	2 981.7	3 081.4	2 784.4	2 847.9	2 513.0	2 218.7	2 818.5	2 151.4	1 742.3	1 487.1	1 395.0	1 391.9	1 229.3	1 303.1	1 584.3	1 329.5	1 283.6	1 148.2	762.1	630.7	593.5	611.9	578.6	468.0	378.5	253.5	262.8	228.6	193.1	155.8
Other Long Term Assets	(5 366.4)	(303.7)	(29.3)	(32.1)	(28.1)	(17.2)	(3 989.3)	(3 345.6)	(3 411.2)	(2 958.0)	(2 674.8)	(3 241.4)	(2 597.9)	(2 135.6)	(1 881.7)	(1 796.9)	(1 717.8)	(1 541.6)	(1 593.1)	(1 880.3)	(1 587.3)	(1 475.4)	(1 148.2)	(762.1)	(630.7)	(593.5)	(611.9)	(578.6)	(468.0)	(378.5)	(253.5)	(262.8)	(228.6)	(193.1)	(155.8)
Other Assets	(4 224.1)	5 121.4	2 703.4	4 090.7	4 039.3	3 520.4	3 468.6	2 368.4	2 154.3	1 895.5	2 059.8	1 873.1	3 536.9	3 070.9	3 134.1	3 137.8	2 823.4	2 697.4	2 419.8	2 367.2	2 138.3	1 822.5	0	0	0	0	0	0	0	0	0	0	0	0	0
Total Assets	15 635.6	15 835.7	15 552.7	13 931.1	11 410.3	10 608.4	10 746.2	8 667.6	8 552.7	7 489.4	7 095.9	7 496.8	6 488.3	5 444.5	5 402.8	5 174.6	4 697.5	4 497.8	4 152.7	4 393.8	3 855.4	3 434.2	3 210.8	2 022.6	1 840.7	1 680.7	1 633.7	1 343.9	1 152.0	915.5	713.1	669.3	634.5	617.9	586.1
LIABILITIES
Accounts Payable	0	133.9	210.8	230.7	215.2	157.5	180.6	144.0	135.1	126.2	80.0	135.8	88.1	0	0	66.6	60.9	62.5	58.3	69.7	0	63.3	41.8	30.2	18.1	17.9	15.2	10.5	9.5	6.7	5.2	5.0	5.5	0	0
Short Term Debt	53.0	768.4	0	0	0	54.4	24.0	146.2	0	0	0	0	0	0	0	0	0	0	0	0	0	77.4	77.8	331.1	324.0	129.8	109.8	115.0	25.6	105.6	0.6	20.0	0	1.4	3.0
Other Current Liabilities	(53.0)	(902.3)	(88.1)	(173.8)	(215.2)	(211.9)	(204.6)	(144.0)	(135.1)	(126.2)	(80.0)	(135.8)	(88.1)	0	0	(66.6)	(60.9)	(62.5)	(58.3)	(69.7)	0	0.2	(119.6)	1 491.7	(342.1)	(147.7)	(125.0)	(125.5)	(35.1)	(112.3)	(5.8)	(25.0)	(5.5)	(1.4)	(3.0)
Total Current Liabilities	6 084.1	902.3	210.8	230.7	223.5	211.9	204.6	144.0	135.1	126.2	80.0	135.8	0	0	0	66.6	60.9	62.5	57.3	69.7	0	140.8	2 865.0	1 853.0	1 702.0	1 531.0	1 486.0	1 235.0	1 052.0	849.0	5.8	25.0	5.5	1.4	3.0
Long Term Debt	407.6	22.7	5.2	87.3	94.9	99.9	124.9	102.2	403.4	440.1	244.0	830.1	830.3	830.5	856.8	0	0	0	616.8	907.3	631.5	430.0	263.1	180.5	0	0	0	50.0	0	0	0	100 K	0.9	1.0	1.2
Deferred Tax Income	0	75.4	89.6	120.8	94.6	75.3	84.4	103.4	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Liabilities	(407.6)	14 261.2	13 446.7	11 739.7	9 460.2	8 739.2	8 962.0	7 366.2	7 008.6	6 061.4	5 976.0	(830.1)	(830.3)	(830.5)	(856.8)	0	0	0	(616.8)	(907.3)	(631.5)	(289.2)	(263.1)	(180.5)	0	0	0	(50.0)	0	0	0	100 K	(0.9)	(1.0)	(1.2)
Total Liabilities	13 937.7	14 283.9	13 451.9	11 827.0	9 555.1	8 893.5	9 110.9	7 469.5	7 412.0	6 501.5	6 220.1	6 594.0	5 713.7	4 837.2	4 837.1	4 629.9	4 218.7	4 036.3	3 695.1	3 919.2	3 450.6	3 109.2	2 942.9	1 853.4	1 732.2	1 560.5	1 515.7	1 234.5	1 051.9	849.2	651.1	615.9	586.3	571.5	539.7
EQUITY
Common Stock	54.4	54.2	54.1	53.8	52.0	51.6	51.3	45.0	44.4	41.6	41.2	40.4	37.8	34.1	33.6	33.5	33.0	32.8	32.5	32.0	14.4	13.0	12.9	7.6	7.6	0	0	0	0	0	0	0	0	0	0
Retained Earnings	1 188.9	1 152.5	1 058.3	960.2	882.9	795.6	700.6	614.7	566.6	526.0	481.7	447.0	411.8	374.7	342.5	329.9	310.3	291.9	276.8	248.3	218.6	194.5	170.5	108.3	95.3	84.6	75.3	65.7	57.1	49.9	42.9	36.2	31.1	29.5	29.4
Other Accumulative Comprehensive Income/Loss	(550.0)	(686.4)	(50.6)	62.1	(10.2)	(45.3)	(3.7)	7.8	19.2	30.7	(26.5)	54.3	29.2	(9.3)	(8.8)	(12.9)	0.7	(4.7)	8.1	33.7	35.9	38.5	6.9	7.0	(13.1)	4.3	2.8	0.9	1.0	(1.9)	0	0	0	0	0
Total Equity	1 697.9	1 551.7	2 100.8	2 104.1	1 855.2	1 714.8	1 635.3	1 198.1	1 140.6	987.9	875.8	902.8	774.6	607.3	565.7	544.7	478.8	461.5	457.6	474.6	404.8	325.0	268.0	169.2	108.5	120.2	118.0	109.4	100.1	66.3	62.0	53.4	48.2	46.4	46.4
Total Liabilities and Equity	15 555.8	15 835.7	15 552.7	13 931.1	11 410.3	10 608.4	10 746.2	8 667.6	8 552.7	7 489.4	7 095.9	7 496.8	6 488.3	5 444.5	5 402.8	5 174.6	4 697.5	4 497.8	4 152.7	4 393.8	3 855.4	3 434.2	3 210.8	2 022.6	1 840.7	1 680.7	1 633.7	1 343.9	1 152.0	915.5	713.1	669.3	634.5	617.9	586.1
SHARES OUTSTANDING
Common Shares Outstanding	53.6	53.9	54.0	53.0	51.7	51.2	49.1	44.4	41.3	40.8	40.2	39.5	36.0	33.0	32.7	30.5	30.0	30.0	30.2	29.9	26.2	25.9	23.3	14.1	14.4	15.1	15.2	13.0	13.5	11.3	11.2	10.9	10.9	10.8	11.0	11.7	10.2	8.1	6.7

Balance Sheet

Premium Plan

Unlimited Plan