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 392 industry peers in the Banks industry. There are concerns on the financial health of CBU while its profitability can be described as average. CBU has a decent growth rate and is not valued too expensively. CBU also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year CBU was profitable.
In the past year CBU had a positive cash flow from operations.
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
CBU has a Return On Assets of 1.38%. This is amongst the best in the industry. CBU outperforms 86.73% of its industry peers.
With an excellent Return On Equity value of 12.60%, CBU belongs to the best of the industry, outperforming 85.97% of the companies in the same industry.
| 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
The Profit Margin of CBU (24.52%) is comparable to the rest of the industry.
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) | 24.52% | ||
| 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.
Compared to 1 year ago, CBU has an improved debt to assets ratio.
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 better Debt to FCF ratio (1.36) than 65.82% 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.
CBU's Debt to Equity ratio of 0.15 is in line compared to the rest of the industry. CBU outperforms 58.42% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 1.36 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.83%
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 12.92% over the past year.
The Earnings Per Share has been growing slightly by 0.96% on average over the past years.
The Revenue has grown by 14.44% 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)12.92%
EPS 3Y-0.48%
EPS 5Y0.96%
EPS Q2Q%6.59%
Revenue 1Y (TTM)14.44%
Revenue growth 3Y6.34%
Revenue growth 5Y4.82%
Sales Q2Q%8.41%
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 18.24% yearly.
Based on estimates for the next years, CBU will show a quite strong growth in Revenue. The Revenue will grow by 9.60% on average per year.
EPS Next Y19.38%
EPS Next 2Y18.24%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year9.83%
Revenue Next 2Y9.6%
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.
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
A Price/Earnings ratio of 14.28 indicates a correct valuation of CBU.
CBU's Price/Earnings ratio is a bit more expensive when compared to the industry. CBU is more expensive than 66.33% of the companies in the same industry.
CBU's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.24.
CBU is valuated reasonably with a Price/Forward Earnings ratio of 10.89.
CBU's Price/Forward Earnings ratio is in line with the industry average.
CBU is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.42, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.28 | ||
| Fwd PE | 10.89 |
4.2 Price Multiples
CBU's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.12 | ||
| 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 18.24% in the coming years.
PEG (NY)0.74
PEG (5Y)14.92
EPS Next 2Y18.24%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CBU has a Yearly Dividend Yield of 3.57%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.51, CBU pays a bit more dividend than its industry peers.
CBU's Dividend Yield is a higher than the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.57% |
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
CBU pays out 41.54% of its income as dividend. 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.
DP41.54%
EPS Next 2Y18.24%
EPS Next 3YN/A
52.4
+0.94 (+1.83%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners75.14%
Inst Owner Change-0.03%
Ins Owners0.96%
Ins Owner Change5.12%
Market Cap2.77B
Analysts76
Price Target68.75 (31.2%)
Short Float %2.86%
Short Ratio7.05
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.57% |
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)1.35%
PT rev (3m)-1.12%
EPS NQ rev (1m)-0.33%
EPS NQ rev (3m)0.5%
EPS NY rev (1m)0.23%
EPS NY rev (3m)1.37%
Revenue NQ rev (1m)-0.29%
Revenue NQ rev (3m)-0.4%
Revenue NY rev (1m)-0.08%
Revenue NY rev (3m)-0.63%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.28 | ||
| Fwd PE | 10.89 | ||
| P/S | 2.94 | ||
| P/FCF | 14.12 | ||
| P/OCF | 12.32 | ||
| P/B | 1.51 | ||
| P/tB | 2.97 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.67
EY7%
EPS(NY)4.81
Fwd EY9.18%
FCF(TTM)3.71
FCFY7.08%
OCF(TTM)4.25
OCFY8.12%
SpS17.83
BVpS34.69
TBVpS17.66
PEG (NY)0.74
PEG (5Y)14.92
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
WACC10.83%
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)12.92%
EPS 3Y-0.48%
EPS 5Y0.96%
EPS Q2Q%6.59%
EPS Next Y19.38%
EPS Next 2Y18.24%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)14.44%
Revenue growth 3Y6.34%
Revenue growth 5Y4.82%
Sales Q2Q%8.41%
Revenue Next Year9.83%
Revenue Next 2Y9.6%
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%