COMMUNITY FINANCIAL SYSTEM I (CBU) Stock Fundamental Analysis
USA - NYSE:CBU - US2036071064 - Common Stock
57.39 USD
+0.8 (+1.41%)
57.39 USD
0 (0%)
Overall CBU gets a fundamental rating of 4 out of 10. We evaluated CBU against 391 industry peers in the Banks industry. CBU may be in some trouble as it scores bad on both profitability and health. CBU is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year CBU was profitable.
In the past year CBU had a positive cash flow from operations.
CBU had positive earnings in each of the past 5 years.
CBU had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.16%, CBU is in the better half of the industry, outperforming 75.96% of the companies in the same industry.
CBU's Return On Equity of 10.29% is fine compared to the rest of the industry. CBU outperforms 68.80% 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
The Profit Margin of CBU (24.82%) is comparable to the rest of the 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.
CBU has less shares outstanding than it did 1 year ago.
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 has a better Debt to FCF ratio (0.91) than 71.61% of its industry peers.
CBU has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.10, CBU is doing good in the industry, outperforming 71.10% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.91 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.54%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CBU shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 19.02%, which is quite good.
CBU shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.96% yearly.
The Revenue has grown by 14.44% in the past year. This is quite good.
Measured over the past years, CBU shows a small growth in Revenue. The Revenue has been growing by 4.82% on average per year.
EPS 1Y (TTM)19.02%
EPS 3Y-0.48%
EPS 5Y0.96%
EPS Q2Q%25.3%
Revenue 1Y (TTM)14.44%
Revenue growth 3Y6.34%
Revenue growth 5Y4.82%
Sales Q2Q%10.05%
3.2 Future
Based on estimates for the next years, CBU will show a quite strong growth in Earnings Per Share. The EPS will grow by 17.29% on average per year.
The Revenue is expected to grow by 9.70% on average over the next years. This is quite good.
EPS Next Y19.43%
EPS Next 2Y19.26%
EPS Next 3Y17.29%
EPS Next 5YN/A
Revenue Next Year9.65%
Revenue Next 2Y9.7%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 14.79, which indicates a correct valuation of CBU.
Compared to the rest of the industry, the Price/Earnings ratio of CBU indicates a slightly more expensive valuation: CBU is more expensive than 69.31% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.91. CBU is valued slightly cheaper when compared to this.
With a Price/Forward Earnings ratio of 11.73, the valuation of CBU can be described as very reasonable.
Based on the Price/Forward Earnings ratio, CBU is valued a bit more expensive than 63.94% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.92, CBU is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.79 | ||
| Fwd PE | 11.73 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CBU is valued a bit more expensive than the industry average as 60.61% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.26 | ||
| 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.
CBU's earnings are expected to grow with 17.29% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.76
PEG (5Y)15.45
EPS Next 2Y19.26%
EPS Next 3Y17.29%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.32%, CBU has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.53, CBU has a dividend in line with its industry peers.
CBU's Dividend Yield is a higher than the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.32% |
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 their dividend for at least 10 years, which is a reliable track record.
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.
The dividend of CBU is growing, but earnings are growing more, so the dividend growth is sustainable.
DP49.76%
EPS Next 2Y19.26%
EPS Next 3Y17.29%
57.39
+0.8 (+1.41%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners75.81%
Inst Owner Change-0.11%
Ins Owners0.92%
Ins Owner Change0.08%
Market Cap3.03B
Revenue(TTM)746.30M
Net Income(TTM)193.79M
Analysts77.78
Price Target68.34 (19.08%)
Short Float %3.28%
Short Ratio7.13
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.32% |
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%
PT rev (3m)-0.59%
EPS NQ rev (1m)0.75%
EPS NQ rev (3m)1.01%
EPS NY rev (1m)-0.03%
EPS NY rev (3m)-0.55%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.32%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.24%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.79 | ||
| Fwd PE | 11.73 | ||
| P/S | 3.89 | ||
| P/FCF | 15.26 | ||
| P/OCF | 12.7 | ||
| P/B | 1.61 | ||
| P/tB | 3.08 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.88
EY6.76%
EPS(NY)4.89
Fwd EY8.53%
FCF(TTM)3.76
FCFY6.55%
OCF(TTM)4.52
OCFY7.87%
SpS14.77
BVpS35.62
TBVpS18.63
PEG (NY)0.76
PEG (5Y)15.45
Graham Number55.77
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
ROICexgc growth 3YN/A
ROICexgc 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
WACC10.54%
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)19.02%
EPS 3Y-0.48%
EPS 5Y0.96%
EPS Q2Q%25.3%
EPS Next Y19.43%
EPS Next 2Y19.26%
EPS Next 3Y17.29%
EPS Next 5YN/A
Revenue 1Y (TTM)14.44%
Revenue growth 3Y6.34%
Revenue growth 5Y4.82%
Sales Q2Q%10.05%
Revenue Next Year9.65%
Revenue Next 2Y9.7%
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%
COMMUNITY FINANCIAL SYSTEM I / CBU FAQ
Can you provide the ChartMill fundamental rating for COMMUNITY FINANCIAL SYSTEM I?
ChartMill assigns a fundamental rating of 4 / 10 to CBU.
What is the valuation status of COMMUNITY FINANCIAL SYSTEM I (CBU) stock?
ChartMill assigns a valuation rating of 3 / 10 to COMMUNITY FINANCIAL SYSTEM I (CBU). This can be considered as Overvalued.
What is the profitability of CBU stock?
COMMUNITY FINANCIAL SYSTEM I (CBU) has a profitability rating of 3 / 10.
What are the PE and PB ratios of COMMUNITY FINANCIAL SYSTEM I (CBU) stock?
The Price/Earnings (PE) ratio for COMMUNITY FINANCIAL SYSTEM I (CBU) is 14.79 and the Price/Book (PB) ratio is 1.61.
How sustainable is the dividend of COMMUNITY FINANCIAL SYSTEM I (CBU) stock?
The dividend rating of COMMUNITY FINANCIAL SYSTEM I (CBU) is 6 / 10 and the dividend payout ratio is 49.76%.