COMMUNITY FINANCIAL SYSTEM I (CBU) Stock Fundamental Analysis
NYSE:CBU - US2036071064 - Common Stock
59.92 USD
-0.9 (-1.48%)
59.92 USD
0 (0%)
CBU gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 395 industry peers in the Banks industry. Both the profitability and financial health of CBU have multiple concerns. CBU is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
CBU had positive earnings in the past year.
In the past year CBU had a positive cash flow from operations.
Each year in the past 5 years CBU has been profitable.
Each year in the past 5 years CBU had a positive operating cash flow.
1.2 Ratios
The Return On Assets of CBU (1.16%) is better than 76.20% of its industry peers.
CBU's Return On Equity of 10.29% is fine compared to the rest of the industry. CBU outperforms 69.11% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.16% | ||
| ROE | 10.29% | ||
| ROIC | N/A |
ROA(3y)1.05%
ROA(5y)1.11%
ROE(3y)10.04%
ROE(5y)9.39%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a Profit Margin value of 24.82%, CBU perfoms like the industry average, outperforming 56.20% of the companies in the same industry.
CBU's Profit Margin has declined in the last couple of years.
CBU does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 24.82% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.22%
PM growth 5Y-3.17%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
CBU does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, CBU has less shares outstanding
CBU has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, CBU has an improved debt to assets ratio.
2.2 Solvency
CBU has a debt to FCF ratio of 0.91. This is a very positive value and a sign of high solvency as it would only need 0.91 years to pay back of all of its debts.
CBU's Debt to FCF ratio of 0.91 is fine compared to the rest of the industry. CBU outperforms 73.16% of its industry peers.
A Debt/Equity ratio of 0.10 indicates that CBU is not too dependend on debt financing.
CBU has a better Debt to Equity ratio (0.10) than 70.89% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.91 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.6%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 12.92% over the past year.
The Earnings Per Share has been growing slightly by 0.96% on average over the past years.
Looking at the last year, CBU shows a very negative growth in Revenue. The Revenue has decreased by -12.34% in the last year.
CBU shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.82% yearly.
EPS 1Y (TTM)12.92%
EPS 3Y-0.48%
EPS 5Y0.96%
EPS Q2Q%6.59%
Revenue 1Y (TTM)-12.34%
Revenue growth 3Y6.34%
Revenue growth 5Y4.82%
Sales Q2Q%8.41%
3.2 Future
CBU is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 18.57% yearly.
CBU is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.60% yearly.
EPS Next Y18.76%
EPS Next 2Y18.57%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year9.83%
Revenue Next 2Y9.6%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
CBU is valuated correctly with a Price/Earnings ratio of 16.33.
Compared to the rest of the industry, the Price/Earnings ratio of CBU indicates a slightly more expensive valuation: CBU is more expensive than 72.15% of the companies listed in the same industry.
CBU is valuated rather cheaply when we compare the Price/Earnings ratio to 27.06, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 12.39, CBU is valued correctly.
Based on the Price/Forward Earnings ratio, CBU is valued a bit more expensive than 67.85% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.69. CBU is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.33 | ||
| Fwd PE | 12.39 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of CBU is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.93 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
CBU's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as CBU's earnings are expected to grow with 18.57% in the coming years.
PEG (NY)0.87
PEG (5Y)17.06
EPS Next 2Y18.57%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CBU has a Yearly Dividend Yield of 3.11%.
CBU's Dividend Yield is comparable with the industry average which is at 3.18.
Compared to an average S&P500 Dividend Yield of 2.32, CBU pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.11% |
5.2 History
The dividend of CBU has a limited annual growth rate of 3.02%.
CBU has paid a dividend for at least 10 years, which is a reliable track record.
CBU has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)3.02%
Div Incr Years27
Div Non Decr Years27
5.3 Sustainability
49.76% of the earnings are spent on dividend by CBU. This is a bit on the high side, but may be sustainable.
CBU's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP49.76%
EPS Next 2Y18.57%
EPS Next 3YN/A
59.92
-0.9 (-1.48%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners75%
Inst Owner Change1.03%
Ins Owners0.91%
Ins Owner Change5.01%
Market Cap3.17B
Analysts77.78
Price Target68.34 (14.05%)
Short Float %3.32%
Short Ratio6.06
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.11% |
Yearly Dividend1.81
Dividend Growth(5Y)3.02%
DP49.76%
Div Incr Years27
Div Non Decr Years27
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-1.84%
Min EPS beat(2)-4.91%
Max EPS beat(2)1.22%
EPS beat(4)2
Avg EPS beat(4)-1.51%
Min EPS beat(4)-6.15%
Max EPS beat(4)3.78%
EPS beat(8)3
Avg EPS beat(8)-2.05%
EPS beat(12)5
Avg EPS beat(12)-1.31%
EPS beat(16)7
Avg EPS beat(16)-0.62%
Revenue beat(2)0
Avg Revenue beat(2)-1.78%
Min Revenue beat(2)-2.09%
Max Revenue beat(2)-1.46%
Revenue beat(4)2
Avg Revenue beat(4)-0.46%
Min Revenue beat(4)-2.09%
Max Revenue beat(4)1.59%
Revenue beat(8)4
Avg Revenue beat(8)2.24%
Revenue beat(12)4
Avg Revenue beat(12)-0.5%
Revenue beat(16)7
Avg Revenue beat(16)5.85%
PT rev (1m)-0.59%
PT rev (3m)0.75%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.54%
EPS NY rev (1m)-0.52%
EPS NY rev (3m)-0.28%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.08%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.33 | ||
| Fwd PE | 12.39 | ||
| P/S | 4.06 | ||
| P/FCF | 15.93 | ||
| P/OCF | 13.26 | ||
| P/B | 1.68 | ||
| P/tB | 3.22 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.67
EY6.12%
EPS(NY)4.84
Fwd EY8.07%
FCF(TTM)3.76
FCFY6.28%
OCF(TTM)4.52
OCFY7.54%
SpS14.77
BVpS35.62
TBVpS18.63
PEG (NY)0.87
PEG (5Y)17.06
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.16% | ||
| ROE | 10.29% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 24.82% | ||
| GM | N/A | ||
| FCFM | 25.46% |
ROA(3y)1.05%
ROA(5y)1.11%
ROE(3y)10.04%
ROE(5y)9.39%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.22%
PM growth 5Y-3.17%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.91 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 139.34% | ||
| Cap/Sales | 5.12% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 102.58% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC10.6%
ROIC/WACCN/A
Cap/Depr(3y)60.08%
Cap/Depr(5y)54.17%
Cap/Sales(3y)2.51%
Cap/Sales(5y)2.41%
Profit Quality(3y)129.7%
Profit Quality(5y)117.94%
High Growth Momentum
Growth
EPS 1Y (TTM)12.92%
EPS 3Y-0.48%
EPS 5Y0.96%
EPS Q2Q%6.59%
EPS Next Y18.76%
EPS Next 2Y18.57%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-12.34%
Revenue growth 3Y6.34%
Revenue growth 5Y4.82%
Sales Q2Q%8.41%
Revenue Next Year9.83%
Revenue Next 2Y9.6%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-9.49%
FCF growth 3Y5.39%
FCF growth 5Y2.4%
OCF growth 1Y1.81%
OCF growth 3Y6.16%
OCF growth 5Y3.65%