COMMUNITY BANK SYSTEM INC (CBU) 55.87 +0.74 (+1.34%)
55.87 +0.74 (+1.34%)
US2036071064 - Common Stock - After market: 55.87 0 (0%)
Fundamental Rating
We assign a fundamental rating of 4 out of 10 to CBU. CBU was compared to 331 industry peers in the Banks industry. While CBU is still in line with the averages on profitability rating, there are some concerns on its financial health. CBU is quite expensive at the moment. It does show a decent growth rate.
Profitability
Profitability Rating
CBU's Return On Assets of 1.45% is amongst the best returns of the industry. CBU outperforms 81% of its industry peers. The industry average Return On Assets is 1.11%.
CBU's Return On Equity of 15.44% is amongst the best of the industry. CBU does better than the industry average Return On Equity of 12.37%.
CBU has a Piotroski-F score of 5.00. This indicates an average health and profitability for CBU.
CBU has a Profit Margin of 27.39%. This is below the industry average of 29.60%.
VS Industry
ROA (1.45%) VS Industry: 81% outperformed.
0.15
7.28
ROE (15.44%) VS Industry: 75% outperformed.
3.45
50.89
Profit Margin (27.39%) VS Industry: 35% outperformed.
6.02
51.15
Valuation
Valuation Rating
With a Price/Earnings Ratio of 16.63, CBU is valued correctly.
With a Forward Price/Earnings Ratio of 14.57, CBU is valued correctly.
When comparing the current price to the book value of CBU, we can conclude it is valued correctly. It is trading at 2.05 times its book value.
With a Price/Earning Ratio of 16.63, CBU is valued a higher than the industry average, which is at 9.93. 95% of the companies listed in the same industry are cheaper than CBU!
The high PEG Ratio, which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
Compared to an average industry price book ratio of 1.15, CBU is valued more expensive than its industry peers. 95% of the companies listed in the same industry are valued cheaper.
VS Industry
Price/Earnings (16.63) VS Industry: 5% outperformed.
218.50
0.29
Price/Book (2.05) VS Industry: 5% outperformed.
4.31
0.03
Growth
Growth Rating
CBU shows a strong growth in Revenue. In the last year, the Revenue has grown by 34.66%.
The earnings per share for CBU have decreased by -4.82% in the last year.
The Earnings Per Share has been growing slightly by 8.42% on average over the past 5 years.
CBU is expected to show a small growth in Earnings Per Share. In the coming 5 years, the EPS will grow by 5.33% yearly.
The Revenue has been growing slightly by 7.64% on average over the past 5 years.
The Revenue is expected to grow by 7.19% on average over the next 5 years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming 5 years, we see that the growth is stable.
The EPS growth is decreasing: in the next 5 years the growth will be less than in the last years.
| Past | Future | ||||||
|---|---|---|---|---|---|---|---|
| 5Y | 3Y | 1Y | 1Y | 2Y | 3Y | 5Y | |
| EPS | 8.42% | 2.83% | -4.82% | -0.01% | 4.81% | 5.33% | N/A |
| Revenue | 7.64% | 2.92% | 34.66% | 9.98% | 8.59% | 7.19% | N/A |
Health
Health Rating
With a Debt to Equity ratio of 0.00, CBU is one of the better performing companies in its industry. It outperforms 90% of its industry peers.
The Piotroski-F score of CBU is 5.00. This is a neutral score and indicates average health and profitability for CBU.
VS Industry
Debt/Equity (0) VS Industry: 90% outperformed.
3.93
0.00
Dividend
Dividend Rating
The dividend of CBU is nicely growing with an annual growth rate of 6.48%!
CBU has been paying a dividend for at least 10 years, so it has a reliable track record.
With a Yearly Dividend Yield of 2.89%, CBU has a reasonable but not impressive dividend return.
Compared to an average S&P500 Dividend Yield of 2.41, CBU has a dividend comparable with the average S&P500 company.
CBU pays out 41.22% of its income as dividend. This is a bit on the high side, but may be sustainable.
CBU's Dividend Yield is slightly below the industry average, which is at 3.18.
The dividend of CBU is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
VS Industry
Dividend Yield (2.89%) VS Industry: 38% outperformed.
0.09
19.43
COMMUNITY BANK SYSTEM INC55.87
NYSE:CBU (1/27/2023, 7:04:00 PM)+0.74 (+1.34%)
| GICS Sector | Financials | ||
| GICS IndustryGroup | Banks | ||
| GICS Industry | Banks | ||
| Earnings (Last) | 01-23 2023-01-23 | Earnings (Next) | 04-24 2023-04-24 |
| Inst Owners | 72.87% | Inst Owner Change | -0.08% |
| Ins Owners | 0.85% | Ins Owner Change | 3.89% |
| Market Cap | 3.00B | Analysts | 50 |
| Price Target | 65.89 (17.93%) | ||
| Dividend Yield | 2.89% | Dividend Growth | 6.48% |
| DP | 41.22% | Ex-Date | N/A |
| EPS beat(2) | N/A | Avg EPS beat(2) | -3.64% |
| Min EPS beat(2) | -6.05% | Max EPS beat(2) | -1.23% |
| EPS beat(4) | 1 | Avg EPS beat(4) | 0.86% |
| Min EPS beat(4) | -6.05% | Max EPS beat(4) | 12.43% |
| Revenue beat(2) | 1 | Avg Revenue beat(2) | 48.63% |
| Min Revenue beat(2) | -0.1% | Max Revenue beat(2) | 97.35% |
| Revenue beat(4) | 2 | Avg Revenue beat(4) | 24.42% |
| Min Revenue beat(4) | -0.1% | Max Revenue beat(4) | 97.35% |
| PT rev (1m) | 0% | EPS NQ rev (1m) | 0% |
| EPS NY rev (1m) | 0% | Revenue NQ rev (1m) | 0% |
| Revenue NY rev (1m) | 0% | ||
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.63 | ||
| Fwd PE | 14.57 | ||
| P/S | 3.65 | ||
| P/FCF | 16.72 | ||
| P/OCF | 15.59 | ||
| P/B | 2.05 | ||
| P/tB | 5.44 | ||
| EV/EBITDA | N/A |
| EPS(TTM) | 3.36 | EY | 6.01% |
| EPS(NY) | 3.83 | Fwd EY | 6.86% |
| FCF(TTM) | 3.34 | FCFY | 5.98% |
| OCF(TTM) | 3.58 | OCFY | 6.41% |
| SpS | 15.33 | BVpS | 27.19 |
| TBVpS | 10.27 | PEG (NY) | N/A |
| PEG (5Y) | 1.98 | ||
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.45% | ||
| ROE | 15.44% | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM | 27.39% | ||
| GM | N/A |
| ROICexgc(3y) | N/A | ROICexcg growth 3Y | N/A |
| ROICexcg growth 5Y | N/A | ROICexc(3y) | N/A |
| ROICexc growth 3Y | N/A | ROICexc growth 5Y | N/A |
| OM growth 3Y | N/A | OM growth 5Y | N/A |
| PM growth 3Y | 1.11% | PM growth 5Y | 4.86% |
| GM growth 3Y | N/A | GM growth 5Y | N/A |
| F-Score | 5 | Asset Turnover | 0.05 |
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 1.98 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 42.63% | ||
| Profit Quality | 79.58% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
| F-Score | 5 | WACC | 7.89% |
| ROIC/WACC | N/A | Cap/Depr(3y) | 36.11% |
| Cap/Depr(5y) | 35.48% | Profit Quality(3y) | 105.75% |
| Profit Quality(5y) | 112.16% | ||
| EPS 1Y | -4.82% | EPS 3Y | 2.83% |
| EPS 5Y | 8.42% | EPS growth Q2Q | 8.43% |
| EPS Next Y | -0.01% | EPS Next 2Y | 4.81% |
| EPS Next 3Y | 5.33% | EPS Next 5Y | N/A |
| Revenue growth 1Y | 34.66% | Revenue growth 3Y | 2.92% |
| Revenue growth 5Y | 7.64% | Revenue growth Q2Q | 11.95% |
| Revenue Next Year | 9.98% | Revenue Next 2Y | 8.59% |
| Revenue Next 3Y | 7.19% | Revenue Next 5Y | N/A |
| EBIT growth 1Y | N/A | EBIT growth 3Y | N/A |
| EBIT growth 5Y | N/A | EBIT Next Year | N/A |
| EBIT Next 3Y | N/A | EBIT Next 5Y | N/A |
| FCF growth 1Y | -5.17% | FCF growth 3Y | -3.22% |
| FCF growth 5Y | 8.93% | OCF growth 1Y | -3.1% |
| OCF growth 3Y | -2.93% | OCF growth 5Y | 8.32% |
Fundamental Stock Screener Links
Fundamental Stock Screener
Find stocks with similar Fundamental rating on the USA
Best Fundamental Competitors Stock Screener
Find the competitors with the best fundamentals on the USA
Best Valuation Competitors Stock Screener
Find the competitors with the best valuation on the USA
Best Dividend Competitors Stock Screener
Find the competitors with the best dividend on the USA