COMMUNITY FINANCIAL SYSTEM I (CBU) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CBU - US2036071064 - Common Stock
56.76 USD
-0.56 (-0.98%)
56.76 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to CBU. CBU was compared to 387 industry peers in the Banks industry. CBU may be in some trouble as it scores bad on both profitability and health. CBU is not valued too expensively and it also shows a decent growth rate. CBU also has an excellent dividend rating.
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.
In the past 5 years CBU always reported a positive cash flow from operatings.
1.2 Ratios
CBU has a Return On Assets of 1.21%. This is in the better half of the industry: CBU outperforms 76.49% of its industry peers.
With a decent Return On Equity value of 10.57%, CBU is doing good in the industry, outperforming 70.28% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.21% | ||
| ROE | 10.57% | ||
| 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 (25.65%) 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) | 25.65% | ||
| 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 0.97, which is an excellent value as it means it would take CBU, only 0.97 years of fcf income to pay off all of its debts.
CBU has a better Debt to FCF ratio (0.97) than 67.96% of its industry peers.
CBU has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.12, CBU is in the better half of the industry, outperforming 63.31% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 0.97 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.56%
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 19.02% over the past year.
Measured over the past 5 years, CBU shows a small growth in Earnings Per Share. The EPS has been growing by 0.96% on average per year.
Looking at the last year, CBU shows a very negative growth in Revenue. The Revenue has decreased by -11.66% in the last year.
The Revenue has been growing slightly by 4.82% on average over the past years.
EPS 1Y (TTM)19.02%
EPS 3Y-0.48%
EPS 5Y0.96%
EPS Q2Q%25.3%
Revenue 1Y (TTM)-11.66%
Revenue growth 3Y6.34%
Revenue growth 5Y4.82%
Sales Q2Q%9.58%
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 17.03% yearly.
Based on estimates for the next years, CBU will show a quite strong growth in Revenue. The Revenue will grow by 9.01% on average per year.
EPS Next Y19.4%
EPS Next 2Y19.38%
EPS Next 3Y17.03%
EPS Next 5YN/A
Revenue Next Year9.82%
Revenue Next 2Y9.68%
Revenue Next 3Y9.01%
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
With a Price/Earnings ratio of 14.63, CBU is valued correctly.
CBU's Price/Earnings ratio is a bit more expensive when compared to the industry. CBU is more expensive than 68.48% of the companies in the same industry.
When comparing the Price/Earnings ratio of CBU to the average of the S&P500 Index (26.31), we can say CBU is valued slightly cheaper.
A Price/Forward Earnings ratio of 11.58 indicates a reasonable valuation of CBU.
CBU's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. CBU is more expensive than 62.79% of the companies in the same industry.
CBU is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.59, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.63 | ||
| Fwd PE | 11.58 |
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 | 13.03 | ||
| 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.
A more expensive valuation may be justified as CBU's earnings are expected to grow with 17.03% in the coming years.
PEG (NY)0.75
PEG (5Y)15.28
EPS Next 2Y19.38%
EPS Next 3Y17.03%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.28%, CBU has a reasonable but not impressive dividend return.
CBU's Dividend Yield is a higher than the industry average which is at 3.23.
Compared to an average S&P500 Dividend Yield of 2.34, CBU pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.28% |
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 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
47.33% 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.
DP47.33%
EPS Next 2Y19.38%
EPS Next 3Y17.03%
56.76
-0.56 (-0.98%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners75.81%
Inst Owner Change1.6%
Ins Owners0.92%
Ins Owner Change-0.15%
Market Cap2.99B
Revenue(TTM)798.84M
Net Income(TTM)204.93M
Analysts80
Price Target69.36 (22.2%)
Short Float %3.6%
Short Ratio7.83
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.28% |
Yearly Dividend1.81
Dividend Growth(5Y)3.02%
DP47.33%
Div Incr Years27
Div Non Decr Years27
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-3.21%
Min EPS beat(2)-4.91%
Max EPS beat(2)-1.51%
EPS beat(4)2
Avg EPS beat(4)-0.36%
Min EPS beat(4)-4.91%
Max EPS beat(4)3.78%
EPS beat(8)3
Avg EPS beat(8)-1.27%
EPS beat(12)5
Avg EPS beat(12)-1.33%
EPS beat(16)6
Avg EPS beat(16)-0.78%
Revenue beat(2)0
Avg Revenue beat(2)-1.35%
Min Revenue beat(2)-2.09%
Max Revenue beat(2)-0.62%
Revenue beat(4)1
Avg Revenue beat(4)-0.65%
Min Revenue beat(4)-2.09%
Max Revenue beat(4)1.59%
Revenue beat(8)4
Avg Revenue beat(8)2.37%
Revenue beat(12)4
Avg Revenue beat(12)-0.55%
Revenue beat(16)6
Avg Revenue beat(16)5.7%
PT rev (1m)1.49%
PT rev (3m)1.49%
EPS NQ rev (1m)1.87%
EPS NQ rev (3m)2%
EPS NY rev (1m)-0.02%
EPS NY rev (3m)0.54%
Revenue NQ rev (1m)1.02%
Revenue NQ rev (3m)0.26%
Revenue NY rev (1m)0.16%
Revenue NY rev (3m)-0.01%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.63 | ||
| Fwd PE | 11.58 | ||
| P/S | 3.76 | ||
| P/FCF | 13.03 | ||
| P/OCF | 10.6 | ||
| P/B | 1.55 | ||
| P/tB | 2.89 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.88
EY6.84%
EPS(NY)4.9
Fwd EY8.64%
FCF(TTM)4.36
FCFY7.68%
OCF(TTM)5.35
OCFY9.43%
SpS15.11
BVpS36.68
TBVpS19.66
PEG (NY)0.75
PEG (5Y)15.28
Graham Number56.59
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.21% | ||
| ROE | 10.57% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 25.65% | ||
| GM | N/A | ||
| FCFM | 28.83% |
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-Score7
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 0.97 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 181.49% | ||
| Cap/Sales | 6.6% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 112.38% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC10.56%
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 Y19.4%
EPS Next 2Y19.38%
EPS Next 3Y17.03%
EPS Next 5YN/A
Revenue 1Y (TTM)-11.66%
Revenue growth 3Y6.34%
Revenue growth 5Y4.82%
Sales Q2Q%9.58%
Revenue Next Year9.82%
Revenue Next 2Y9.68%
Revenue Next 3Y9.01%
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-3.43%
FCF growth 3Y5.39%
FCF growth 5Y2.4%
OCF growth 1Y10.87%
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 4 / 10 to COMMUNITY FINANCIAL SYSTEM I (CBU). This can be considered as Fairly Valued.
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 14.63 and the Price/Book (PB) ratio is 1.55.
How sustainable is the dividend of COMMUNITY FINANCIAL SYSTEM I (CBU) stock?
The dividend rating of COMMUNITY FINANCIAL SYSTEM I (CBU) is 7 / 10 and the dividend payout ratio is 47.33%.