CBU Stock Forecast, Price Targets, Chart, Dividends & Analysis
Community Bank System Inc.
CBU 
NYE
Sector: Financial Services
Industry: Banks - Regional - US
62.64
USD
1.52
(2.49%)
Previous close: 61.12 Open: 60.84 Bid: Ask:
52 week range
41.50 73.39
Mkt Cap: 3,430 M Avg Vol (90 Days): 977,657
Last updated: Sunday 22nd December 2024
Metrics
Valuation
Price per Sales TTM ($) | 5.03 |
Price per Book TTM ($) | 1.99 |
PE Ratio (TTM) | 21.04 |
Book Value per Share ($) | 33.96 |
5 Year PE Range | NA , NA |
Returns
7 Day Return | -7.25% | |
1 Month Return | -9.10% | |
3 Month Return | 5.97% | |
1 Year Return | 21.38% | |
3 Year Return | -7.00% | |
5 Year Return | 2.31% | |
YTD Return | 20.21% |
Risk
Dividends
Analyst Estimates
Financial Health
Technicals
RSI (14 Day) | 38.67 |
14 Day SMA ($) | 66.45 |
14 Day EMA ($) | 65.59 |
Money Flow Index | 70.15 |
Average True Range | 2.16 |
50 Day SMA ($) | 65.29 |
200 Day SMA ($) | 54.63 |
ADX | 18.63 |
MACD | 1.63 |
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% |
Financials
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 | 164 M | 189 M | 188 M | 131 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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