Community Bank System Inc.

Dividend Per Share TTM ($)	1.79
Forward Annual Dividend Yield	4.23%
Ex Dividend Date (MM/DD/YYYY)	3/14/2024
Dividend Pay Date (MM/DD/YYYY)	4/10/2024
Dividend Yield (TTM)	4.31%
Forward Annual Dividend Rate ($)	1.80
Dividend Payout Ratio	47.13
Dividend Per Share 5 Year CAGR	0.00%

Analyst Estimates

EPS Estimate Current Year ($)	3.24
EPS Estimate Next Year ($)	3.43
EPS Estimate Next Quarter ($)	0.82
EPS Estimate Current Quarter ($)	0.79
Current Target Price ($)	51.67
Next 5 Year Growth Rate (%)
1 week Ago Target Price ($)	51.67
2 week Ago Target Price ($)	52.86
3 week Ago Target Price ($)	53.29

Financial Health

Cash Flow Per Share TTM ($)	4.28
Current Ratio	0.00
Quick Ratio	0.00
Debt to Equity Ratio (Last Quarter)	0.24
Long term debt per share (Last Quarter)	7.64
F Score	3.0

Technicals

RSI (14 Day)	38.59
14 Day SMA ($)	44.38
14 Day EMA ($)	43.78
Money Flow Index	82.75
Average True Range	1.25
50 Day SMA ($)	45.09
200 Day SMA ($)	46.19
ADX	16.16
MACD	-0.24

Growth

Free Cash Flow QoQ Growth	0.00%
Free Cash Flow YoY Growth	0.00%
Revenue YoY Growth	0.00%
EPS QoQ Growth	0.00%
Revenue QoQ Growth	0.00%
EPS YoY Growth	0.00%

Profitability

Return on Assets TTM (%)	0.84
Profit Margin TTM (%)	-1.5
Return on Equity TTM (%)	8.12
Return on Capital TTM (%)	-0.36
Interest Coverage Ratio	0.00
Gross Margin TTM (%)

Peers

Stock	Dividend	Market Cap (B)	PE	Price ($)
AROW	0.0303	1 B	10.9	35.61
CHMG	0.0271	0 B	8.1	45.75
CYN
EVBN	0.0279	0 B	9.6	42.95
FISI	0.0331	1 B	7.3	32.65
FLIC	0.0361	1 B	11.7	22.16
NBTB	0.0288	2 B	10.9	38.93
TMP	0.0288	1 B	12.6	79.22

Pull option chain for the stock and check the payoff of your option strategies here

Financials

Income Statement

Balance Sheet

Cash Flow

CBU Income Statement

Annual

	Dec-14	Dec-15	Dec-16	Dec-17	Dec-18	Dec-19	Dec-20	Dec-21	Dec-22	Dec-23
Amortization of intangibles	-4 M	-4 M	-5 M	-17 M	-18 M	16 M	14 M	14 M	15 M	15 M
Basic EPS from continuing operations	2.24	2.21	2.34	3.07	3.28	3.26	3.1	3.51	3.48	2.45
Basic EPS total	2.24	2.21	2.34	3.07	3.28	3.26	3.1	3.51	3.48	2.45
Basic weighted shares outstanding	41 M	41 M	44 M	49 M	51 M	52 M	53 M	54 M	54 M	54 M
CreditLossesProvision	7 M	6 M	8 M	11 M	11 M	8 M	14 M	9 M	15 M	11 M
Depreciation unreconciled	4 M	4 M	5 M	17 M	18 M	16 M	14 M	14 M	15 M	15 M
DepreciationAndAmortization	4 M	4 M	5 M	17 M	18 M	16 M	14 M	14 M	15 M	15 M
DevelopmentExpense						11 M	9 M	9 M	13 M	16 M
Diluted EPS total	2.22	2.19	2.32	3.03	3.24	3.23	3.08	3.48	3.46	2.45
Diluted normalized net income/share	2.22	2.19	2.32	3.03	3.24	3.23	3.08	3.48	3.46	2.45
Diluted weighted shares outstanding	41 M	41 M	44 M	49 M	52 M	52 M	53 M	54 M	54 M	54 M
Dividends paid per share	1.16	1.22	1.26	1.32	1.44	1.58	1.66	1.7	1.74	1.78
FeesAndCommissions	53 M	53 M	59 M	68 M	657000.0	19000.0	-6000.0	17000.0	-44000.0	-52 M
GeneralAndAdministrativeExpense	24 M	20 M	24 M	23 M	21 M					2 M
Income before tax	130 M	132 M	155 M	160 M	213 M	209 M	206 M	241 M	240 M	168 M
Income restructuring and M&A	123000.0	7 M	2 M	26 M	-769000.0	9 M	5 M	901000.0	5 M	5 M
Income taxes	42 M	45 M	54 M	9 M	44 M	40 M	41 M	52 M	52 M	36 M
InsuranceAndClaims	17 M	14 M	17 M	23 M	21 M					2 M
InsuranceAndPremiums		3 M	23 M	26 M	30 M	32 M	32 M	34 M	40 M	47 M
Interest expense	-12 M	-11 M	-11 M	-14 M	-18 M	27 M	21 M	13 M	23 M	104 M
InterestExpenseForDeposit	8 M	7 M	7 M	8 M	11 M	20 M	17 M	12 M	15 M	85 M
InterestExpenseForFederalFundsSoldAndSecuritiesPurchaseUnderAgreementsToResell									998000.0	3 M
InterestExpenseForLongTermDebt	2 M	3 M	3 M	4 M	5 M	4 M	3 M	447000.0	153000.0
InterestExpenseForLongTermDebtAndCapitalSecurities	2 M	3 M	3 M	4 M	5 M	4 M	3 M	447000.0	153000.0
InterestExpenseForShortTermDebt	1 M	2 M	1 M	2 M	2 M				8 M	19 M
InterestIncome	256 M	260 M	285 M	329 M	363 M	386 M	389 M	387 M	444 M	541 M
InterestIncomeAfterProvisionForLoanLoss	230 M	236 M	258 M	294 M	323 M	351 M	354 M	366 M	406 M	426 M
InterestIncomeFromInvestmentSecurities	71 M	72 M	74 M	76 M	77 M	78 M	74 M	79 M	109 M	96 M
InterestIncomeFromLoans	186 M	188 M	211 M	254 M	286 M	308 M	315 M	308 M	335 M	445 M
InterestIncomeFromLoansAndLease	186 M	188 M	211 M	254 M	286 M	308 M	315 M	308 M	335 M	445 M
InterestIncomeFromSecurities	71 M	72 M	74 M	76 M	77 M	78 M	74 M	79 M	109 M	96 M
MarketingExpense	7 M	7 M	7 M	10 M	9 M
Net income from total operations	91 M	91 M	104 M	151 M	169 M	169 M	165 M	190 M	188 M	132 M
NetIncomeCommonStockholders	91 M	91 M	104 M	151 M	169 M	173 M	168 M	190 M	188 M	132 M
NetIncomeContinuousOperations	91 M	91 M	104 M	151 M	169 M	169 M	165 M	190 M	188 M	132 M
NetInterestIncome	237 M	242 M	266 M	305 M	334 M	359 M	368 M	374 M	421 M	437 M
NetOccupancyExpense	28 M	28 M	30 M	36 M	40 M	40 M	41 M	41 M	42 M	43 M
NonInterestExpense	223 M	-233 M	-267 M	-347 M	-345 M	372 M	377 M	388 M	424 M	473 M
NonInterestIncome	119 M	123 M	156 M	202 M	224 M	231 M	228 M	246 M	259 M	215 M
NonRecurringOperationExpense							3 M	-100000.0		6 M
Normalized income										153 M
OccupancyAndEquipment	28 M	28 M	30 M	36 M	40 M	40 M	41 M	41 M	42 M	43 M
Other special charges	-5 M	-5 M	-6 M	-7 M	-9 M	-50 M	-62 M	-50 M	9 M	9 M
OtherGandA	24 M	20 M	24 M	23 M	21 M					2 M
OtherInterestExpense	-12 M	-11 M	-11 M	-14 M	2 M	-2 M	-2 M	-930000.0	-8 M	-19 M
OtherNonInterestExpense	29 M	30 M	35 M	38 M	39 M	65 M	64 M	70 M	77 M	92 M
OtherNonInterestIncome	66 M	67 M	74 M	176 M	193 M	194 M	196 M	212 M	219 M	220 M
ProfessionalExpenseAndContractServicesExpense	7 M	7 M	8 M	12 M	11 M	11 M	12 M	12 M	14 M	16 M
PromotionAndAdvertising	-3 M	-4 M	-4 M	-6 M	-5 M	7 M	6 M	5 M	8 M	10 M
Research & development expense						11 M	9 M	9 M	13 M	16 M
Revenue per share	4 M	4 M	5 M	17 M	18 M	16 M	14 M	14 M	15 M	15 M
SalariesAndWages	123 M	126 M	152 M	187 M	207 M	220 M	228 M	242 M	257 M	282 M
SecuritiesActivities		7000.0			657000.0	19000.0	-6000.0	17000.0	-44000.0	-52 M
Selling Gen & administrative expense	154 M	154 M	183 M	220 M	238 M	220 M	228 M	242 M	257 M	282 M
SellingAndMarketingExpense	7 M	7 M	7 M	10 M	9 M	7 M	6 M	5 M	8 M	10 M
ServiceChargeOnDepositorAccounts	53 M	53 M	59 M	68 M			-22 M	-17 M	-5 M	-5 M
Special income/charges	-29 M	-37 M	-36 M	-64 M	-38 M	-74 M	-72 M	-70 M	-82 M	-102 M
Total common shares outstanding	82 M	88 M	89 M	102 M	103 M	104 M	54 M	54 M	54 M	53 M
Total net income	91 M	91 M	104 M	151 M	169 M	169 M	165 M	190 M	188 M	132 M
Total ordinary shares	53 M	53 M	53 M	53 M	53 M	53 M	53 M	53 M	53 M	53 M
Total revenues	356 M	365 M	421 M	507 M	558 M	590 M	597 M	621 M	679 M	652 M
TotalPremiumsEarned		3 M	23 M	26 M	30 M	32 M	32 M	34 M	40 M	47 M
TotalRevenue	356 M	365 M	421 M	507 M	558 M	590 M	597 M	621 M	679 M	652 M

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Community Bank System Inc.

Sector: Financial Services

Industry: Banks - Regional - US

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Valuation

Price per Sales TTM ($)

Price per Book TTM ($)

PE Ratio (TTM)

Book Value per Share ($)

5 Year PE Range

Returns

7 Day Return

1 Month Return

3 Month Return

1 Year Return

3 Year Return

5 Year Return

YTD Return

Risk

Custom Beta One Year

Custom Beta Three Years

Beneish M Score

Altman Z Score

Ranks

MarketXLS Value Score

MarketXLS Quality Score

MarketXLS Technical Score

MarketXLS Rank

Dividends

Dividend Per Share TTM ($)

Forward Annual Dividend Yield

Ex Dividend Date (MM/DD/YYYY)

Dividend Pay Date (MM/DD/YYYY)

Dividend Yield (TTM)

Forward Annual Dividend Rate ($)

Dividend Payout Ratio

Dividend Per Share 5 Year CAGR

Analyst Estimates

EPS Estimate Current Year ($)

EPS Estimate Next Year ($)

EPS Estimate Next Quarter ($)

EPS Estimate Current Quarter ($)

Current Target Price ($)

Next 5 Year Growth Rate (%)

1 week Ago Target Price ($)

2 week Ago Target Price ($)

3 week Ago Target Price ($)

Financial Health

Cash Flow Per Share TTM ($)

Current Ratio

Quick Ratio

Debt to Equity Ratio (Last Quarter)

Long term debt per share (Last Quarter)

F Score

Technicals

RSI (14 Day)

14 Day SMA ($)

14 Day EMA ($)

Money Flow Index

Average True Range

50 Day SMA ($)

200 Day SMA ($)

ADX

MACD

Growth

Free Cash Flow QoQ Growth

Free Cash Flow YoY Growth

Revenue YoY Growth

EPS QoQ Growth

Revenue QoQ Growth

EPS YoY Growth

Profitability

Return on Assets TTM (%)

Profit Margin TTM (%)

Return on Equity TTM (%)

Return on Capital TTM (%)

Interest Coverage Ratio

Gross Margin TTM (%)

Peers

🎉 Exciting news! 🎉

You are invited to join our Discord Channel.

Interact, learn, and grow with experts in the markets!