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Community Bank System, Inc. CBU
Financial Services - Banks - Regional - NYSE - US
Watchlist
$ 51.21
-0.679 %
$ 2.71 B
Market Cap
14.89
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one CBU stock under the worst case scenario is HIDDEN Compared to the current market price of 51.2 USD, Community Bank System, Inc. is HIDDEN

CBU Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one CBU stock under the base case scenario is HIDDEN Compared to the current market price of 51.2 USD, Community Bank System, Inc. is HIDDEN

CBU Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one CBU stock under the best case scenario is HIDDEN Compared to the current market price of 51.2 USD, Community Bank System, Inc. is HIDDEN

CBU Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart CBU

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1M -10%
6M -12%
1Y 22%
3Y -20%
5Y -9%
All
$72.0$72.0$70.0$70.0$68.0$68.0$66.0$66.0$64.0$64.0$62.0$62.0$60.0$60.0$58.0$58.0$56.0$56.0$54.0$54.0$52.0$52.0$50.0$50.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
644 M REVENUE
0.45%
Growth Rates
1Year 0.45%
3Years 1.21%
5Years 1.76%
7Years 3.15%
10Years 5.88%
297 M OPERATING INCOME
30.84%
Growth Rates
1Year 30.84%
3Years 7.17%
5Years 7.25%
7Years 7.97%
10Years 7.70%
182 M NET INCOME
38.79%
Growth Rates
1Year 38.79%
3Years -1.28%
5Years 1.54%
7Years 2.77%
10Years 7.16%
242 M OPERATING CASH FLOW
6.07%
Growth Rates
1Year 6.07%
3Years 6.15%
5Years 3.65%
7Years 3.56%
10Years 7.00%
-836 M INVESTING CASH FLOW
-248.86%
Growth Rates
1Year -248.86%
3Years 18.27%
5Years -39.70%
7Years -33.00%
10Years -9.66%
599 M FINANCING CASH FLOW
202.79%
Growth Rates
1Year 202.79%
3Years -27.26%
5Years 68.22%
7Years 22.71%
10Years 11.73%
196 M REVENUE
19.76%
Growth Rates
1Year 0.45%
3Years 1.21%
5Years 1.76%
7Years 3.15%
10Years 5.88%
-122 M OPERATING INCOME
-213.33%
Growth Rates
1Year 30.84%
3Years 7.17%
5Years 7.25%
7Years 7.97%
10Years 7.70%
49.8 M NET INCOME
12.70%
Growth Rates
1Year 38.79%
3Years -1.28%
5Years 1.54%
7Years 2.77%
10Years 7.16%
65.7 M OPERATING CASH FLOW
15.62%
Growth Rates
1Year 6.07%
3Years 6.15%
5Years 3.65%
7Years 3.56%
10Years 7.00%
-211 M INVESTING CASH FLOW
11.90%
Growth Rates
1Year -248.86%
3Years 18.27%
5Years -39.70%
7Years -33.00%
10Years -9.66%
-4.21 M FINANCING CASH FLOW
-1.29%
Growth Rates
1Year 202.79%
3Years -27.26%
5Years 68.22%
7Years 22.71%
10Years 11.73%
Balance Sheet Community Bank System, Inc.
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Current Assets 3.04 B
Cash & Short-Term Investments 2.98 B
Receivables 54.3 M
Other Current Assets 0
Non-Current Assets 1.09 B
Long-Term Investments 0
PP&E 184 M
Other Non-Current Assets 901 M
72.36 %4.46 %21.87 %Total Assets$4.1b
Current Liabilities 118 M
Accounts Payable 0
Short-Term Debt 118 M
Other Current Liabilities 0
Non-Current Liabilities 619 M
Long-Term Debt 619 M
Other Non-Current Liabilities 0
16.00 %84.00 %Total Liabilities$737.3m
EFFICIENCY
Earnings Waterfall Community Bank System, Inc.
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Revenue 644 M
Cost Of Revenue 315 M
Gross Profit 328 M
Operating Expenses 31.4 M
Operating Income 297 M
Other Expenses 115 M
Net Income 182 M
700m700m600m600m500m500m400m400m300m300m200m200m100m100m00644m(315m)328m(31m)297m(115m)182mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
51.05% GROSS MARGIN
51.05%
Averages
1Year 51.05%
3Years 74.23%
5Years 65.47%
7Years 62.00%
10Years 68.90%
46.17% OPERATING MARGIN
46.17%
Averages
1Year 46.17%
3Years 40.88%
5Years 39.21%
7Years 38.87%
10Years 38.28%
28.36% NET MARGIN
28.36%
Averages
1Year 28.36%
3Years 25.54%
5Years 26.96%
7Years 27.58%
10Years 27.09%
10.35% ROE
10.35%
Averages
1Year 10.35%
3Years 10.08%
5Years 9.42%
7Years 9.44%
10Years 9.19%
1.11% ROA
1.11%
Averages
1Year 1.11%
3Years 1.05%
5Years 1.11%
7Years 1.23%
10Years 1.23%
5.56% ROIC
5.56%
Averages
1Year 5.56%
3Years 3.15%
5Years 2.53%
7Years 2.52%
10Years 2.33%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Community Bank System, Inc.
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250m250m200m200m150m150m100m100m50m50m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 182 M
Depreciation & Amortization 27.9 M
Capital Expenditures 0
Stock-Based Compensation 8.37 M
Change in Working Capital 0
Others 16.9 M
Free Cash Flow 242 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Community Bank System, Inc.
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Wall Street analysts predict an average 1-year price target for CBU of $67 , with forecasts ranging from a low of $67 to a high of $67 .
CBU Lowest Price Target Wall Street Target
67 USD 30.83%
CBU Average Price Target Wall Street Target
67 USD 30.83%
CBU Highest Price Target Wall Street Target
67 USD 30.83%
Price
Max Price Target
Min Price Target
Average Price Target
75757070656560605555505045454040May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
0.74% DIVIDEND YIELD
0.46 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
2.002.001.801.801.601.601.401.401.201.201.001.000.800.800.600.600.400.400.200.200.000.000.30.310.320.340.380.410.420.430.440.450.460.450.30.310.320.340.380.410.420.430.440.450.310.50.320.340.380.410.420.430.440.450.460.311.370.321.430.341.290.381.380.411.510.421.620.431.680.441.720.451.760.461.801.372015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 12
6. Ownership
Insider Ownership Community Bank System, Inc.
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Sold
0-3 MONTHS
75 K USD 1
3-6 MONTHS
574 K USD 2
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
39.8 K USD 1
3-6 MONTHS
0 USD 0
6-9 MONTHS
43.5 K USD 1
9-12 MONTHS
7. News
Community Financial System Announces First Quarter 2025 Earnings Conference Call SYRACUSE, N.Y., March 24, 2025 (GLOBE NEWSWIRE) -- Community Financial System, Inc. (NYSE: CBU) invites you to participate in a conference call to discuss the Company's financial and operating performance for the first quarter ended March 31, 2025. globenewswire.com - 2 weeks ago
Community Financial System, Inc. Appoints Marya Burgio Wlos as Executive Vice President and Chief Financial Officer SYRACUSE, N.Y.--(BUSINESS WIRE)--Community Financial System, Inc. Appoints Marya Burgio Wlos as Executive Vice President and Chief Financial Officer. businesswire.com - 4 weeks ago
Community Financial System: An Outstanding Mid-Size Bank With Growing Dividends Community Financial System's Q4 2024 report showed double-digit growth in earnings and revenues, with strong profitability and low deposit costs, driving investor optimism. The bank's net interest margin improved to 3.17%, supported by higher loan yields and low deposit costs, with further growth expected in 2025. Despite unrealized losses on AFS securities impacting equity, CBU's TBV per share has shown long-term growth, with a new buyback plan starting in 2025. seekingalpha.com - 2 months ago
Community Financial System, Inc. (CBU) Q4 2024 Earnings Conference Call Transcript Community Financial System, Inc. (NYSE:CBU ) Q4 2024 Earnings Conference Call January 21, 2025 11:00 AM ET Company Participants Dimitar Karaivanov - President and Chief Executive Officer Joseph Sutaris - Executive Vice President and Chief Financial Officer Conference Call Participants Steve Moss - Raymond James Frank Schiraldi - Piper Sandler Matthew Breese - Stephens Inc Christopher O'Connell - KBW Sharanjit Cheema - D.A. Davidson Operator Good day, and welcome to the Community Financial System, Inc. Fourth Quarter 2024 Earnings Conference Call. seekingalpha.com - 2 months ago
Community Financial (CBU) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates Although the revenue and EPS for Community Financial (CBU) give a sense of how its business performed in the quarter ended December 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers. zacks.com - 2 months ago
Community Financial System (CBU) Q4 Earnings and Revenues Surpass Estimates Community Financial System (CBU) came out with quarterly earnings of $0.94 per share, beating the Zacks Consensus Estimate of $0.90 per share. This compares to earnings of $0.76 per share a year ago. zacks.com - 2 months ago
Community Financial System, Inc. Reports Fourth Quarter and Full Year 2024 Results SYRACUSE, N.Y.--(BUSINESS WIRE)--Community Financial System, Inc. Reports Fourth Quarter and Full Year 2024 Results. businesswire.com - 2 months ago
Community Financial System, Inc. Announces Quarterly Dividend SYRACUSE, N.Y.--(BUSINESS WIRE)--Community Financial System, Inc. Announces Quarterly Dividend. businesswire.com - 2 months ago
Curious about Community Financial (CBU) Q4 Performance? Explore Wall Street Estimates for Key Metrics Beyond analysts' top -and-bottom-line estimates for Community Financial (CBU), evaluate projections for some of its key metrics to gain a better insight into how the business might have performed for the quarter ended December 2024. zacks.com - 2 months ago
Community Financial (CBU) Upgraded to Strong Buy: Here's Why Community Financial (CBU) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #1 (Strong Buy). zacks.com - 2 months ago
Community Financial System Announces Fourth Quarter and Full Year 2024 Earnings Conference Call SYRACUSE, N.Y., Dec. 19, 2024 (GLOBE NEWSWIRE) -- Community Financial 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, 2024. globenewswire.com - 3 months ago
Community Financial (CBU) Upgraded to Buy: Here's What You Should Know Community Financial (CBU) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term. zacks.com - 5 months ago
8. Profile Summary

Community Bank System, Inc. CBU

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 2.71 B
Dividend Yield 0.74%
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.
Contact 5790 Widewaters Parkway, Dewitt, NY, 13214-1883 https://cbna.com
IPO Date Nov. 26, 1985
Employees 2730
Officers Mr. Dimitar A. Karaivanov President, Chief Executive Officer & Director