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

4

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

5

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

2

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

4

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.

PastFuture
5Y3Y1Y1Y2Y3Y5Y
EPS8.42% 2.83% -4.82% -0.01% 4.81% 5.33% N/A
Revenue7.64% 2.92% 34.66% 9.98% 8.59% 7.19% N/A

Health

Health Rating

3

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

5

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%)

After market: 55.87 0 (0%)

Chartmill FA Rating
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
Dividend Yield 2.89% Dividend Growth 6.48%
DP 41.22% Ex-Date N/A

Surprises & Revisions
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%

Valuation
Industry RankSector 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

Profitability
Industry RankSector 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

Health
Industry RankSector 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%

Growth
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%

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