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Community Financial System, Inc. operates as the bank holding company for Community Bank, N.A. that provides various banking and other financial services to retail, commercial, institutional, and municipal customers. It operates through three segments: Banking, Employee Benefit Services, and All Other. The company offers various deposits products, such as interest and noninterest -bearing checking, savings, and money market deposit accounts, as well as time deposits. It also provides loans, including consumer mortgages; general purpose commercial and industrial loans, and mortgages on commercial properties; paycheck protection program loans; installment loans that are originated through selected dealerships and are secured by automobiles, marine, and other recreational vehicles; personal installment loans and check credit lines of credit for consumers; and home equity products. In addition, the company offers broker-dealer and investment advisory; cash management, investment, and treasury services; asset management services; and employee benefit services, as well as operates as a full-service insurance agency that provides personal and commercial lines of insurance, and other risk management products and services. Further, it offers contribution plan administration, employee benefit trust, collective investment fund, retirement plan administration and benefit consulting, fund administration, transfer agency, actuarial and benefit consulting, and health and welfare consulting services; and act as an investor in residential and commercial real estate activities. Additionally, the company offers wealth management, retirement planning, higher educational planning, fiduciary, risk management, trust, and personal financial planning services; and investment alternatives, including stocks, bonds, mutual funds, and insurance and advisory products, as well as master recordkeeping services. Community Financial System, Inc. was founded in 1866 and is headquartered in Dewitt, New York. more
Time Frame | CBU | Sector | S&P500 |
---|---|---|---|
1-Week Return | -6.06% | -3.51% | -3% |
1-Month Return | -7.68% | -3.51% | -0.73% |
3-Month Return | 6.62% | 4.69% | 2.87% |
6-Month Return | 40.42% | 15.21% | 7.17% |
1-Year Return | 20.62% | 29.54% | 25.31% |
3-Year Return | -12.85% | 26.93% | 28.38% |
5-Year Return | -11.74% | 55.8% | 81.89% |
10-Year Return | 64.93% | 191.72% | 183.27% |
Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | 5YR TREND | |
---|---|---|---|---|---|---|
Total Revenue | 589.79M | 596.40M | 620.65M | 679.36M | 640.67M | [{"date":"2019-12-31","value":86.82,"profit":true},{"date":"2020-12-31","value":87.79,"profit":true},{"date":"2021-12-31","value":91.36,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":94.31,"profit":true}] |
Cost of Revenue | 275.72M | 283.41M | 296.79M | 314.97M | (115.35M) | [{"date":"2019-12-31","value":87.54,"profit":true},{"date":"2020-12-31","value":89.98,"profit":true},{"date":"2021-12-31","value":94.23,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":-36.62,"profit":false}] |
Gross Profit | 314.07M | 312.99M | 323.86M | 364.39M | 756.03M | [{"date":"2019-12-31","value":41.54,"profit":true},{"date":"2020-12-31","value":41.4,"profit":true},{"date":"2021-12-31","value":42.84,"profit":true},{"date":"2022-12-31","value":48.2,"profit":true},{"date":"2023-12-31","value":100,"profit":true}] |
Gross Margin | 53.25% | 52.48% | 52.18% | 53.64% | 118.00% | [{"date":"2019-12-31","value":45.13,"profit":true},{"date":"2020-12-31","value":44.47,"profit":true},{"date":"2021-12-31","value":44.22,"profit":true},{"date":"2022-12-31","value":45.45,"profit":true},{"date":"2023-12-31","value":100,"profit":true}] |
Operating Expenses | (380.46M) | (390.32M) | (379.30M) | (400.73M) | 413.59M | [{"date":"2019-12-31","value":-91.99,"profit":false},{"date":"2020-12-31","value":-94.37,"profit":false},{"date":"2021-12-31","value":-91.71,"profit":false},{"date":"2022-12-31","value":-96.89,"profit":false},{"date":"2023-12-31","value":100,"profit":true}] |
Operating Income | 209.34M | 206.08M | 241.35M | 278.63M | 227.08M | [{"date":"2019-12-31","value":75.13,"profit":true},{"date":"2020-12-31","value":73.96,"profit":true},{"date":"2021-12-31","value":86.62,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":81.5,"profit":true}] |
Total Non-Operating Income/Expense | 480.71M | 328.23M | 341.06M | 377.33M | 381.46M | [{"date":"2019-12-31","value":100,"profit":true},{"date":"2020-12-31","value":68.28,"profit":true},{"date":"2021-12-31","value":70.95,"profit":true},{"date":"2022-12-31","value":78.49,"profit":true},{"date":"2023-12-31","value":79.35,"profit":true}] |
Pre-Tax Income | 209.34M | 206.08M | 241.35M | 240.31M | 168.23M | [{"date":"2019-12-31","value":86.74,"profit":true},{"date":"2020-12-31","value":85.39,"profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":99.57,"profit":true},{"date":"2023-12-31","value":69.7,"profit":true}] |
Income Taxes | 40.27M | 41.40M | 51.65M | 52.23M | 36.31M | [{"date":"2019-12-31","value":77.11,"profit":true},{"date":"2020-12-31","value":79.26,"profit":true},{"date":"2021-12-31","value":98.89,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":69.51,"profit":true}] |
Income After Taxes | 169.06M | 164.68M | 189.69M | 188.08M | 131.92M | [{"date":"2019-12-31","value":89.12,"profit":true},{"date":"2020-12-31","value":86.81,"profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":99.15,"profit":true},{"date":"2023-12-31","value":69.55,"profit":true}] |
Income From Continuous Operations | 169.06M | 164.68M | 189.69M | 188.08M | 150.75M | [{"date":"2019-12-31","value":89.12,"profit":true},{"date":"2020-12-31","value":86.81,"profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":99.15,"profit":true},{"date":"2023-12-31","value":79.47,"profit":true}] |
Income From Discontinued Operations | - | - | - | - | - | [{"date":"2019-12-31","value":"-","profit":true},{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":"-","profit":true},{"date":"2023-12-31","value":"-","profit":true}] |
Net Income | 169.06M | 164.68M | 189.69M | 188.08M | 131.92M | [{"date":"2019-12-31","value":89.12,"profit":true},{"date":"2020-12-31","value":86.81,"profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":99.15,"profit":true},{"date":"2023-12-31","value":69.55,"profit":true}] |
EPS (Diluted) | 3.28 | 3.23 | 3.49 | 3.52 | 2.60 | [{"date":"2019-12-31","value":93.18,"profit":true},{"date":"2020-12-31","value":91.76,"profit":true},{"date":"2021-12-31","value":99.15,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":73.86,"profit":true}] |
These ratios help you determine the liquidity of the company. Higher is better.
CBU | |
---|---|
Cash Ratio | 0.83 |
Current Ratio | 0.84 |
These ratios help you understand the company's efficiency in using its assets to generate returns. Higher is better. For ROE, average long term is around 14%, less than 10% is poor.
CBU | |
---|---|
ROA (LTM) | 1.05% |
ROE (LTM) | 9.96% |
These ratios help you understand the company's liabilities, gauging the riskiness of the investment.
CBU | |
---|---|
Debt Ratio Lower is generally better. Negative is bad. | 0.89 |
Common Equity/Total Assets Higher is better. Lower can suggest investment is riskier. | 0.11 |
These ratios help you understand the company's valuation. Lower may indicate cheaper stocks.
CBU | |
---|---|
Trailing PE | 19.53 |
Forward PE | 14.45 |
P/S (TTM) | 4.55 |
P/B | 1.80 |
Price/FCF | 67 |
EV/R | 5.29 |
EV/Ebitda | NM |
PEG | 2.17 |
Community Bank System Inc (CBU) share price today is $62.64
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Yes, you can purchase fractional shares of Community Bank System Inc (CBU) via the Vested app. You can start investing in Community Bank System Inc (CBU) with a minimum investment of $1.
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The 52-week high price of Community Bank System Inc (CBU) is $72.88. The 52-week low price of Community Bank System Inc (CBU) is $40.46.
The price-to-earnings (P/E) ratio of Community Bank System Inc (CBU) is 19.5272
The price-to-book (P/B) ratio of Community Bank System Inc (CBU) is 1.80
The dividend yield of Community Bank System Inc (CBU) is 3.01%
The market capitalization of Community Bank System Inc (CBU) is $3.21B
The stock symbol (or ticker) of Community Bank System Inc is CBU