Community Bank System, Inc.
General ticker "CBU" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $3.1B (TTM average)
Community Bank System, Inc. follows the US Stock Market performance with the rate: 38.2%.
Estimated limits based on current volatility of 1.2%: low 61.32$, high 62.80$
Factors to consider:
- Earnings expected soon, date: 2026-01-27 bmo
- Company pays dividends (quarterly): last record date 2025-12-12, amount 0.47$ (Y3.04%)
- Total employees count: 2918 (+2.4%) as of 2024
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Regulatory and compliance, Cybersecurity threats, Reputation and brand risks, Operational and conduct risks, Market volatility
- Price in estimated range
- Earnings for 9 months up through Q3 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [54.07$, 70.47$]
- 2025-12-31 to 2026-12-31 estimated range: [54.34$, 72.08$]
Financial Metrics affecting the CBU estimates:
- Negative: with PPE of 18.1 at the end of fiscal year the price was high
- Positive: Operating profit margin, % of 25.16 > 18.33
- Positive: Industry operating cash flow per share per price (median), % of 10.65 > 10.14
- Positive: 6.63 < Operating cash flow per share per price, % of 7.38
- Positive: Industry earnings per price (median), % of 6.50 > 4.45
- Positive: Inventory ratio change, % of 0 <= 0
- Negative: Shareholder equity ratio, % of 10.76 <= 19.35
- Positive: -3.57 < Return on assets ratio (scaled to [-100,100]) of 1.10
Short-term CBU quotes
Long-term CBU plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $702.45MM | $755.98MM | $940.71MM |
| Operating Expenses | $462.14MM | $587.75MM | $704.01MM |
| Operating Income | $240.31MM | $168.23MM | $236.71MM |
| Interest Expense | $23.10MM | $104.10MM | $194.41MM |
| Income(Loss) | $240.31MM | $168.23MM | $236.71MM |
| Taxes | $52.23MM | $36.31MM | $54.22MM |
| Profit(Loss)* | $188.08MM | $131.92MM | $182.48MM |
| Stockholders Equity | $1,551.70MM | $1,697.94MM | $1,762.84MM |
| Assets | $15,835.65MM | $15,555.75MM | $16,386.04MM |
| Operating Cash Flow | $214.60MM | $228.42MM | $242.28MM |
| Capital expenditure | $12.92MM | $18.59MM | $20.70MM |
| Investing Cash Flow | $-2,138.99MM | $335.78MM | $-835.62MM |
| Financing Cash Flow | $259.22MM | $-583.13MM | $599.38MM |
| Earnings Per Share** | $3.49 | $2.46 | $3.46 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.