Community Bank System, Inc.(CBU) Stock Research - Grey Stern Research

Community Bank System, Inc. (CBU) Stock Analysis

$62.82 (0.37%)

CBU Financial Performance


Use the table below to view Community Bank System, Inc.'s financial profile. This data is gathers from the latest available financial statements. Annual data is taken from the trailing 12 months of statements. All numbers are reported in US Dollars and so any foreign currencies are converted to USD so comparison's can be done.

Based on Financial Statements from Q1 - 2024

Metric Value Ranking among Peers
Price $62.82 -
52 Week Low $35.38 -
52 Week High $63.73 -
Market Cap $3.3 Billion 1/17
Gross Margin 100% 1/17
Profit Margin 21% 3/17
EBITDA margin 2% 5/17
Q1 - 2024 Revenue $230.6 Million 1/17
Q1 - 2024 Earnings $47.9 Million 1/17
Q1 - 2024 Free Cash Flow $0 Million 5/17
Trailing 4 Quarters Revenue $791.1 Million 1/17
Trailing 4 Quarters Earnings $171.2 Million 1/17
Quarterly Earnings Growth -1% 4/17
Annual Earnings Growth 161% 1/17
Quarterly Revenue Growth 32% 11/17
Annual Revenue Growth 44% 5/17
Cash On Hand $201.5 Million 17/17
Short Term Debt $215.5 Million 2/17
Long Term Debt $716.7 Million 3/17

Community Bank System, Inc. Financial Metrics


Financial metrics are a set of useful numbers that can give key performance indicators of a company. The various metrics can include information about profitability, growth, and debt load. When combined and use properly they can tell an analyst a compelling fact-based story of how the company is currently performing. To compare Community Bank System, Inc.'s metrics versus it's peers make sure to run our peer analysis tool.

Valuation Metrics

Metric Value Ranking among Peers
PE 19.36 4/17
PS 4.19 1/17
PB 1.98 1/17
PC -16.45 17/17
Liabilities to Equity 8.52 11/17
ROA 0.01 1/17
ROE 0.10 5/17
Current Ratio 1.12 4/17
Quick Ratio -0.01 11/17
Long Term Debt to Equity 0.43 10/17
Debt to Equity 0.56 11/17
Burn Rate -5.82 11/17
Cash to Cap -0.06 11/17
CCR 11/17
EV to EBITDA 1147.47 5/17
EV to Revenue 5.62 4/17

Company Details

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.

CEO: Mr. Mark Tryniski

Website: https://cbna.com

Address: 5790 WIDEWATERS PKWY De Witt, NEW YORK

Exchange: New York Stock Exchange

Industry: Banks—Regional

Community Bank System, Inc. Peer Analysis


A useful and more reliable way of seeing the health of a company is to compare it to other companies operating in the same sector. Below is our list of companies which we rank are the closest peers to Community Bank System, Inc.. If you feel that peers should be added or removed from this list please contact us. To run an in-depth peer analysis which compares many financial metrics click on the link below.

Stock Ticker Market Cap
National Bank Holdings Corporation NBHC $1.6 Billion
Byline Bancorp, Inc. BY $1.3 Billion
Lakeland Bancorp, Inc. LBAI $875.0 Million
Northfield Bancorp, Inc. (Staten Island, NY) NFBK $565.4 Million
Western New England Bancorp, Inc. WNEB $183.0 Million
Salisbury Bancorp, Inc. SAL $161.9 Million
Chemung Financial Corporation CHMG $231.9 Million
First Community Corporation FCCO $173.7 Million
Cambridge Bancorp CATC $577.5 Million
Community West Bancshares CWBC $381.2 Million
First Capital, Inc. FCAP $103.1 Million
Home Bancorp, Inc. HBCP $369.1 Million
Home Federal Bancorp, Inc. of Louisiana HFBL $37.5 Million
Norwood Financial Corp. NWFL $238.8 Million
Rhinebeck Bancorp, Inc. RBKB $95.7 Million
Finward Bancorp FNWD $123.7 Million
Run Peer Analysis
Income Statement
Balance Sheet
Cash Flow Statement
CBU Income Statements
Quarter Year Revenue Earnings
Q2 2024 $ 230.6 Million $47.9 Million
Q1 2024 $ 171.1 Million $40.9 Million
Q4 2023 $ 214.0 Million $38.3 Million
Q3 2023 $ 175.4 Million $44.1 Million
Q2 2023 $ 175.3 Million $48.3 Million
Q1 2023 $ 124.3 Million $5.8 Million
Q4 2022 $ 175.9 Million $52.5 Million
Q3 2022 $ 115.9 Million $48.7 Million

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CBU Balance Sheets
Quarter Year Cash & Equivalents Total Assets Total Debt Total Equity
Q2 2024 $201.5 Million $15.9 Billion $932.2 Million $1.7 Billion
Q1 2024 $338.4 Million $15.9 Billion $682.4 Million $1.7 Billion
Q4 2023 $191.0 Million $15.6 Billion $765.2 Million $1.7 Billion
Q3 2023 $455.8 Million $15.4 Billion $316.8 Million $1.6 Billion
Q2 2023 $222.8 Million $15.1 Billion $251.3 Million $1.6 Billion
Q1 2023 $189.3 Million $15.3 Billion $380.3 Million $1.6 Billion
Q4 2022 $209.9 Million $15.8 Billion $1.9 Billion $1.6 Billion
Q3 2022 $247.4 Million $15.6 Billion $3.3 Million $1.5 Billion

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CBU Cash Flow Statements
Quarter Year freeCashFlow capitalExpenditure netChangeInCash
Q1 2024 $0 $0 $0
Q4 2023 $7.1 Million $0 $7.1 Million
Q3 2023 $57.9 Million -$6.9 Million $233.0 Million
Q2 2023 $109.3 Million $0 $175.3 Million
Q1 2023 $73.3 Million -$4.1 Million -$20.6 Million
Q4 2022 $68.7 Million -$2.9 Million -$37.5 Million
Q3 2022 $93.3 Million $0 -$773.5 Million
Q2 2022 $44.2 Million -$2.8 Million -$823.3 Million

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