COMMUNITY FINANCIAL SYSTEM I (CBU) Stock Fundamental Analysis
NYSE:CBU - New York Stock Exchange, Inc. - US2036071064 - Common Stock - Currency: USD
Overall CBU gets a fundamental rating of 4 out of 10. We evaluated CBU against 398 industry peers in the Banks industry. CBU has a medium profitability rating, but doesn't score so well on its financial health evaluation. CBU is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year CBU was profitable.
CBU had a positive operating cash flow in the past year.
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
The Return On Assets of CBU (1.36%) is better than 86.93% of its industry peers.
CBU has a better Return On Equity (12.62%) than 85.18% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.36% | ||
| ROE | 12.62% | ||
| 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
CBU has a Profit Margin of 24.09%. This is comparable to the rest of the industry: CBU outperforms 54.27% of its industry peers.
In the last couple of years the Profit Margin of CBU has declined.
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) | 24.09% | ||
| 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.
Compared to 5 years ago, CBU has more shares outstanding
CBU has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of CBU is 1.18, which is an excellent value as it means it would take CBU, only 1.18 years of fcf income to pay off all of its debts.
CBU has a better Debt to FCF ratio (1.18) than 73.12% 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 better than 61.56% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 1.18 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.89%
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 been growing slightly by 2.69% 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.
The Revenue has grown by 18.92% in the past year. This is quite good.
The Revenue has been growing slightly by 4.82% on average over the past years.
EPS 1Y (TTM)2.69%
EPS 3Y-0.48%
EPS 5Y0.96%
EPS Q2Q%23.68%
Revenue 1Y (TTM)18.92%
Revenue growth 3Y6.34%
Revenue growth 5Y4.82%
Sales Q2Q%-8.32%
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 17.38% yearly.
Based on estimates for the next years, CBU will show a quite strong growth in Revenue. The Revenue will grow by 9.61% on average per year.
EPS Next Y17.76%
EPS Next 2Y17.38%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.53%
Revenue Next 2Y9.61%
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.
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
Based on the Price/Earnings ratio of 15.23, the valuation of CBU can be described as correct.
Compared to the rest of the industry, the Price/Earnings ratio of CBU indicates a slightly more expensive valuation: CBU is more expensive than 73.37% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 28.29, CBU is valued a bit cheaper.
A Price/Forward Earnings ratio of 12.93 indicates a correct valuation of CBU.
Based on the Price/Forward Earnings ratio, CBU is valued a bit more expensive than 68.59% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of CBU to the average of the S&P500 Index (21.32), we can say CBU is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.23 | ||
| Fwd PE | 12.93 |
4.2 Price Multiples
CBU's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.49 | ||
| 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 17.38% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.86
PEG (5Y)15.91
EPS Next 2Y17.38%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CBU has a Yearly Dividend Yield of 3.45%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.66, CBU has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.51, CBU pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.45% |
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
43.04% 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.
DP43.04%
EPS Next 2Y17.38%
EPS Next 3YN/A
NYSE:CBU (4/21/2025, 2:14:25 PM)
52.39
-0.99 (-1.85%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners74.84%
Inst Owner Change-0.29%
Ins Owners0.77%
Ins Owner Change5.31%
Market Cap2.77B
Analysts76
Price Target71.74 (36.93%)
Short Float %2.8%
Short Ratio6.66
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.45% |
Yearly Dividend1.81
Dividend Growth(5Y)3.02%
DP43.04%
Div Incr Years27
Div Non Decr Years27
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-1.19%
Min EPS beat(2)-6.15%
Max EPS beat(2)3.78%
EPS beat(4)2
Avg EPS beat(4)1.4%
Min EPS beat(4)-6.15%
Max EPS beat(4)11.51%
EPS beat(8)3
Avg EPS beat(8)-1.71%
EPS beat(12)5
Avg EPS beat(12)-0.47%
EPS beat(16)8
Avg EPS beat(16)1.26%
Revenue beat(2)2
Avg Revenue beat(2)0.87%
Min Revenue beat(2)0.14%
Max Revenue beat(2)1.59%
Revenue beat(4)3
Avg Revenue beat(4)0.5%
Min Revenue beat(4)-0.74%
Max Revenue beat(4)1.59%
Revenue beat(8)4
Avg Revenue beat(8)-0.02%
Revenue beat(12)6
Avg Revenue beat(12)7.95%
Revenue beat(16)7
Avg Revenue beat(16)5.9%
PT rev (1m)-1.4%
PT rev (3m)0.24%
EPS NQ rev (1m)-0.4%
EPS NQ rev (3m)2.74%
EPS NY rev (1m)-0.73%
EPS NY rev (3m)1.5%
Revenue NQ rev (1m)0.83%
Revenue NQ rev (3m)3.31%
Revenue NY rev (1m)-0.07%
Revenue NY rev (3m)1.68%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.23 | ||
| Fwd PE | 12.93 | ||
| P/S | 3 | ||
| P/FCF | 12.49 | ||
| P/OCF | 11.43 | ||
| P/B | 1.57 | ||
| P/tB | 3.21 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.44
EY6.57%
EPS(NY)4.05
Fwd EY7.73%
FCF(TTM)4.19
FCFY8%
OCF(TTM)4.59
OCFY8.75%
SpS17.48
BVpS33.36
TBVpS16.3
PEG (NY)0.86
PEG (5Y)15.91
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.36% | ||
| ROE | 12.62% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 24.09% | ||
| GM | N/A | ||
| FCFM | 23.99% |
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 | 1.18 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 72.24% | ||
| Cap/Sales | 2.24% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 99.58% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC10.89%
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)2.69%
EPS 3Y-0.48%
EPS 5Y0.96%
EPS Q2Q%23.68%
EPS Next Y17.76%
EPS Next 2Y17.38%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)18.92%
Revenue growth 3Y6.34%
Revenue growth 5Y4.82%
Sales Q2Q%-8.32%
Revenue Next Year10.53%
Revenue Next 2Y9.61%
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 1Y5.59%
FCF growth 3Y5.39%
FCF growth 5Y2.4%
OCF growth 1Y6.07%
OCF growth 3Y6.16%
OCF growth 5Y3.65%