COMMUNITY FINANCIAL SYSTEM I (CBU) Stock Fundamental Analysis
NYSE:CBU - New York Stock Exchange, Inc. - US2036071064 - Common Stock - Currency: USD
We assign a fundamental rating of 4 out of 10 to CBU. CBU was compared to 395 industry peers in the Banks industry. There are concerns on the financial health of CBU while its profitability can be described as average. CBU is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
CBU had positive earnings in the past year.
CBU had a positive operating cash flow in the past year.
Each year in the past 5 years CBU has been profitable.
CBU had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With an excellent Return On Assets value of 1.38%, CBU belongs to the best of the industry, outperforming 87.37% of the companies in the same industry.
CBU's Return On Equity of 12.60% is amongst the best of the industry. CBU outperforms 85.61% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.38% | ||
| ROE | 12.6% | ||
| 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 24.52%, CBU perfoms like the industry average, outperforming 55.56% of the companies in the same industry.
In the last couple of years the Profit Margin of CBU has declined.
The Operating Margin and Gross Margin are not available for CBU so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 24.52% | ||
| 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.
The number of shares outstanding for CBU has been increased compared to 5 years ago.
CBU has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of CBU is 1.36, which is an excellent value as it means it would take CBU, only 1.36 years of fcf income to pay off all of its debts.
CBU has a Debt to FCF ratio of 1.36. This is in the better half of the industry: CBU outperforms 64.65% of its industry peers.
CBU has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of CBU (0.15) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 1.36 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.87%
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 11.08% over the past year.
CBU shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.96% yearly.
CBU shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.64%.
The Revenue has been growing slightly by 4.82% on average over the past years.
EPS 1Y (TTM)11.08%
EPS 3Y-0.48%
EPS 5Y0.96%
EPS Q2Q%22.37%
Revenue 1Y (TTM)13.64%
Revenue growth 3Y6.34%
Revenue growth 5Y4.82%
Sales Q2Q%10.68%
3.2 Future
The Earnings Per Share is expected to grow by 17.99% on average over the next years. This is quite good.
The Revenue is expected to grow by 9.43% on average over the next years. This is quite good.
EPS Next Y19.1%
EPS Next 2Y17.99%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year9.92%
Revenue Next 2Y9.43%
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.
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 15.58.
Compared to the rest of the industry, the Price/Earnings ratio of CBU indicates a slightly more expensive valuation: CBU is more expensive than 72.47% of the companies listed in the same industry.
CBU's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.25.
The Price/Forward Earnings ratio is 11.74, which indicates a very decent valuation of CBU.
CBU's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. CBU is more expensive than 66.67% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of CBU to the average of the S&P500 Index (22.15), we can say CBU is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.58 | ||
| Fwd PE | 11.74 |
4.2 Price Multiples
64.90% of the companies in the same industry are cheaper than CBU, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.15 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The 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 17.99% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.82
PEG (5Y)16.28
EPS Next 2Y17.99%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CBU has a Yearly Dividend Yield of 3.25%. Purely for dividend investing, there may be better candidates out there.
CBU's Dividend Yield is comparable with the industry average which is at 3.44.
Compared to an average S&P500 Dividend Yield of 2.38, CBU pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.25% |
5.2 History
The dividend of CBU has a limited annual growth rate of 3.02%.
CBU has been paying a dividend for at least 10 years, so it has 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
CBU pays out 41.54% of its income as dividend. 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.
DP41.54%
EPS Next 2Y17.99%
EPS Next 3YN/A
56.24
-0.44 (-0.78%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners74.84%
Inst Owner Change0.74%
Ins Owners0.77%
Ins Owner Change5.22%
Market Cap2.97B
Analysts76
Price Target67.83 (20.61%)
Short Float %2.86%
Short Ratio5.79
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.25% |
Yearly Dividend1.81
Dividend Growth(5Y)3.02%
DP41.54%
Div Incr Years27
Div Non Decr Years27
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.5%
Min EPS beat(2)1.22%
Max EPS beat(2)3.78%
EPS beat(4)3
Avg EPS beat(4)2.59%
Min EPS beat(4)-6.15%
Max EPS beat(4)11.51%
EPS beat(8)4
Avg EPS beat(8)-0.7%
EPS beat(12)5
Avg EPS beat(12)-1.4%
EPS beat(16)8
Avg EPS beat(16)0.09%
Revenue beat(2)1
Avg Revenue beat(2)0.06%
Min Revenue beat(2)-1.46%
Max Revenue beat(2)1.59%
Revenue beat(4)3
Avg Revenue beat(4)0.32%
Min Revenue beat(4)-1.46%
Max Revenue beat(4)1.59%
Revenue beat(8)4
Avg Revenue beat(8)2.28%
Revenue beat(12)5
Avg Revenue beat(12)7.78%
Revenue beat(16)7
Avg Revenue beat(16)5.92%
PT rev (1m)-2.45%
PT rev (3m)-6.78%
EPS NQ rev (1m)0.45%
EPS NQ rev (3m)1.27%
EPS NY rev (1m)1.13%
EPS NY rev (3m)0.4%
Revenue NQ rev (1m)-0.19%
Revenue NQ rev (3m)0.23%
Revenue NY rev (1m)-0.55%
Revenue NY rev (3m)-0.63%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.58 | ||
| Fwd PE | 11.74 | ||
| P/S | 3.15 | ||
| P/FCF | 15.15 | ||
| P/OCF | 13.22 | ||
| P/B | 1.62 | ||
| P/tB | 3.18 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.61
EY6.42%
EPS(NY)4.79
Fwd EY8.52%
FCF(TTM)3.71
FCFY6.6%
OCF(TTM)4.26
OCFY7.57%
SpS17.83
BVpS34.7
TBVpS17.67
PEG (NY)0.82
PEG (5Y)16.28
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.38% | ||
| ROE | 12.6% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 24.52% | ||
| GM | N/A | ||
| FCFM | 20.82% |
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-Score8
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 1.36 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 99.19% | ||
| Cap/Sales | 3.04% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 84.87% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC10.87%
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)11.08%
EPS 3Y-0.48%
EPS 5Y0.96%
EPS Q2Q%22.37%
EPS Next Y19.1%
EPS Next 2Y17.99%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)13.64%
Revenue growth 3Y6.34%
Revenue growth 5Y4.82%
Sales Q2Q%10.68%
Revenue Next Year9.92%
Revenue Next 2Y9.43%
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-12.9%
FCF growth 3Y5.39%
FCF growth 5Y2.4%
OCF growth 1Y-6.31%
OCF growth 3Y6.16%
OCF growth 5Y3.65%