Community Bank System Inc... (CBU)
Community Bank System Statistics
Share Statistics
Community Bank System has 52.84M shares outstanding. The number of shares has increased by -0.11% in one year.
| Shares Outstanding | 52.84M |
| Shares Change (YoY) | -0.11% |
| Shares Change (QoQ) | 0.29% |
| Owned by Institutions (%) | 73.29% |
| Shares Floating | 52.14M |
| Failed to Deliver (FTD) Shares | 895 |
| FTD / Avg. Volume | 0.37% |
Short Selling Information
The latest short interest is 1.5M, so 2.85% of the outstanding shares have been sold short.
| Short Interest | 1.5M |
| Short % of Shares Out | 2.85% |
| Short % of Float | 3.93% |
| Short Ratio (days to cover) | 4.85 |
Valuation Ratios
The PE ratio is 17.83 and the forward PE ratio is 11.56. Community Bank System's PEG ratio is 0.44.
| PE Ratio | 17.83 |
| Forward PE | 11.56 |
| PS Ratio | 5.06 |
| Forward PS | 3.2 |
| PB Ratio | 1.85 |
| P/FCF Ratio | 14.69 |
| PEG Ratio | 0.44 |
Enterprise Valuation
Community Bank System has an Enterprise Value (EV) of 3.79B.
| EV / Sales | 5.9 |
| EV / EBITDA | 12.77 |
| EV / EBIT | 15.66 |
| EV / FCF | 17.12 |
Financial Position
The company has a current ratio of 25.74, with a Debt / Equity ratio of 0.42.
| Current Ratio | 25.74 |
| Quick Ratio | 25.74 |
| Debt / Equity | 0.42 |
| Debt / EBITDA | 2.48 |
| Debt / FCF | 3.33 |
| Interest Coverage | 1.53 |
Financial Efficiency
Return on Equity is 10.35% and Return on Invested Capital is 5.56%.
| Return on Equity | 10.35% |
| Return on Assets | 1.11% |
| Return on Invested Capital | 5.56% |
| Revenue Per Employee | $235.72K |
| Profits Per Employee | $66.84K |
| Employee Count | 2,730 |
| Asset Turnover | 0.04 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 54.22M |
| Effective Tax Rate | 22.91% |
Stock Price Statistics
The stock price has increased by 22.93% in the last 52 weeks. The beta is 0.76, so Community Bank System's price volatility has been higher than the market average.
| Beta | 0.76 |
| 52-Week Price Change | 22.93% |
| 50-Day Moving Average | 57.12 |
| 200-Day Moving Average | 60.89 |
| Relative Strength Index (RSI) | 47.76 |
| Average Volume (20 Days) | 241.79K |
Income Statement
In the last 12 months, Community Bank System had revenue of 643.53M and earned 182.48M in profits. Earnings per share was 3.44.
| Revenue | 643.53M |
| Gross Profit | 328.49M |
| Operating Income | 297.11M |
| Net Income | 182.48M |
| EBITDA | 297.11M |
| EBIT | 431.12M |
| Earnings Per Share (EPS) | 3.44 |
Balance Sheet
The company has 197M in cash and 737.31M in debt, giving a net cash position of -540.31M.
| Cash & Cash Equivalents | 197M |
| Total Debt | 737.31M |
| Net Cash | -540.31M |
| Retained Earnings | 1.28B |
| Total Assets | 16.39B |
| Working Capital | 508.96M |
Cash Flow
In the last 12 months, operating cash flow was 242.28M and capital expenditures 0, giving a free cash flow of 221.57M.
| Operating Cash Flow | 242.28M |
| Capital Expenditures | 0 |
| Free Cash Flow | 221.57M |
| FCF Per Share | 4.2 |
Margins
Gross margin is 51.05%, with operating and profit margins of 46.17% and 28.36%.
| Gross Margin | 51.05% |
| Operating Margin | 46.17% |
| Pretax Margin | 36.78% |
| Profit Margin | 28.36% |
| EBITDA Margin | 46.17% |
| EBIT Margin | 46.17% |
| FCF Margin | 34.43% |
Dividends & Yields
CBU pays an annual dividend of $2.29, which amounts to a dividend yield of 3.38%.
| Dividend Per Share | $2.29 |
| Dividend Yield | 3.38% |
| Dividend Growth (YoY) | 2.22% |
| Payout Ratio | 63.43% |
| Earnings Yield | 5.61% |
| FCF Yield | 6.81% |
Analyst Forecast
The average price target for CBU is $70, which is 28.5% higher than the current price. The consensus rating is "Hold".
| Price Target | $70 |
| Price Target Difference | 28.5% |
| Analyst Consensus | Hold |
| Analyst Count | 3 |
Stock Splits
The last stock split was on Apr 13, 2004. It was a forward split with a ratio of 2:1.
| Last Split Date | Apr 13, 2004 |
| Split Type | forward |
| Split Ratio | 2:1 |
Scores
| Altman Z-Score | 0.34 |
| Piotroski F-Score | 6 |