COMMUNITY FINANCIAL SYSTEM I(NYSE:CBU) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, CBU scores 4 out of 10 in our fundamental rating. CBU was compared to 404 industry peers in the Banks industry. While CBU is still in line with the averages on profitability rating, there are concerns on its financial health. While showing a medium growth rate, CBU is valued expensive at the moment.

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1. Profitability

1.1 Basic Checks

In the past year CBU was profitable.

CBU had a positive operating cash flow in the past year.

Each year in the past 5 years CBU has been profitable.

Each year in the past 5 years CBU had a positive operating cash flow.

1.2 Ratios

With an excellent Return On Assets value of 1.36%, CBU belongs to the best of the industry, outperforming 86.63% of the companies in the same industry.

CBU has a Return On Equity of 12.62%. This is amongst the best in the industry. CBU outperforms 85.40% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.36%
ROE	12.62%
ROIC	N/A

ROA(3y)1.05%

ROA(5y)1.11%

ROE(3y)10.04%

ROE(5y)9.39%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

CBU has a Profit Margin of 24.09%. This is comparable to the rest of the industry: CBU outperforms 55.94% of its industry peers.

CBU's Profit Margin has declined in the last couple of years.

CBU does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	24.09%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-7.22%

PM growth 5Y-3.17%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

CBU does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, CBU has less shares outstanding

Compared to 5 years ago, CBU has more shares outstanding

The debt/assets ratio for CBU has been reduced compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of CBU is 1.18, which is an excellent value as it means it would take CBU, only 1.18 years of fcf income to pay off all of its debts.

CBU has a better Debt to FCF ratio (1.18) than 73.76% of its industry peers.

CBU has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.

CBU's Debt to Equity ratio of 0.15 is fine compared to the rest of the industry. CBU outperforms 61.63% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.15
Debt/FCF	1.18
Altman-Z	N/A

ROIC/WACCN/A

WACC8.79%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 2.69% over the past year.

Measured over the past 5 years, CBU shows a small growth in Earnings Per Share. The EPS has been growing by 0.96% on average per year.

The Revenue has grown by 18.92% in the past year. This is quite good.

CBU shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.82% yearly.

EPS 1Y (TTM)2.69%

EPS 3Y-0.48%

EPS 5Y0.96%

EPS Q2Q%23.68%

Revenue 1Y (TTM)18.92%

Revenue growth 3Y6.34%

Revenue growth 5Y4.82%

Sales Q2Q%-8.32%

3.2 Future

The Earnings Per Share is expected to grow by 17.80% on average over the next years. This is quite good.

The Revenue is expected to grow by 9.71% on average over the next years. This is quite good.

EPS Next Y18.63%

EPS Next 2Y17.8%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year10.61%

Revenue Next 2Y9.71%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 17.31, CBU is valued on the expensive side.

Compared to the rest of the industry, the Price/Earnings ratio of CBU indicates a slightly more expensive valuation: CBU is more expensive than 75.00% of the companies listed in the same industry.

CBU is valuated rather cheaply when we compare the Price/Earnings ratio to 29.35, which is the current average of the S&P500 Index.

With a Price/Forward Earnings ratio of 14.60, CBU is valued correctly.

Based on the Price/Forward Earnings ratio, CBU is valued a bit more expensive than the industry average as 67.33% of the companies are valued more cheaply.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.10, CBU is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	17.31
Fwd PE	14.6

4.2 Price Multiples

CBU's Price/Free Cash Flow is on the same level as the industry average.

		Industry Rank	Sector Rank
P/FCF	14.17
EV/EBITDA	N/A

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

CBU's earnings are expected to grow with 17.80% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.93

PEG (5Y)18.09

EPS Next 2Y17.8%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

CBU has a Yearly Dividend Yield of 3.09%.

CBU's Dividend Yield is comparable with the industry average which is at 3.34.

Compared to an average S&P500 Dividend Yield of 2.33, CBU pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	3.09%

5.2 History

The dividend of CBU has a limited annual growth rate of 3.02%.

CBU has paid a dividend for at least 10 years, which is a reliable track record.

CBU has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.

Dividend Growth(5Y)3.02%

Div Incr Years27

Div Non Decr Years27

5.3 Sustainability

CBU pays out 43.04% of its income as dividend. This is a bit on the high side, but may be sustainable.

The dividend of CBU is growing, but earnings are growing more, so the dividend growth is sustainable.

DP43.04%

EPS Next 2Y17.8%

EPS Next 3YN/A

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COMMUNITY FINANCIAL SYSTEM I

NYSE:CBU (3/7/2025, 8:10:16 PM)

After market: 59.56 0 (0%)

59.56

+0.03 (+0.05%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-21 2025-01-21/bmo

Earnings (Next)04-21 2025-04-21/bmo

Inst Owners74.84%

Inst Owner Change3.42%

Ins Owners0.77%

Ins Owner Change-0.07%

Market Cap3.14B

Analysts76

Price Target72.76 (22.16%)

Short Float %2.83%

Short Ratio6.44

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.09%

Yearly Dividend1.81

Dividend Growth(5Y)3.02%

DP43.04%

Div Incr Years27

Div Non Decr Years27

Ex-Date03-14 2025-03-14 (0.46)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-1.19%

Min EPS beat(2)-6.15%

Max EPS beat(2)3.78%

EPS beat(4)2

Avg EPS beat(4)1.4%

Min EPS beat(4)-6.15%

Max EPS beat(4)11.51%

EPS beat(8)3

Avg EPS beat(8)-1.71%

EPS beat(12)5

Avg EPS beat(12)-0.47%

EPS beat(16)8

Avg EPS beat(16)1.26%

Revenue beat(2)2

Avg Revenue beat(2)0.87%

Min Revenue beat(2)0.14%

Max Revenue beat(2)1.59%

Revenue beat(4)3

Avg Revenue beat(4)0.5%

Min Revenue beat(4)-0.74%

Max Revenue beat(4)1.59%

Revenue beat(8)4

Avg Revenue beat(8)-0.02%

Revenue beat(12)6

Avg Revenue beat(12)7.95%

Revenue beat(16)7

Avg Revenue beat(16)5.9%

PT rev (1m)0%

PT rev (3m)6.15%

EPS NQ rev (1m)0%

EPS NQ rev (3m)3.53%

EPS NY rev (1m)0%

EPS NY rev (3m)2.7%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)2.46%

Revenue NY rev (1m)0%

Revenue NY rev (3m)2.15%

Valuation

		Industry Rank	Sector Rank
PE	17.31
Fwd PE	14.6
P/S	3.4
P/FCF	14.17
P/OCF	12.96
P/B	1.78
P/tB	3.64
EV/EBITDA	N/A

EPS(TTM)3.44

EY5.78%

EPS(NY)4.08

Fwd EY6.85%

FCF(TTM)4.2

FCFY7.06%

OCF(TTM)4.6

OCFY7.72%

SpS17.52

BVpS33.44

TBVpS16.34

PEG (NY)0.93

PEG (5Y)18.09

Profitability

		Industry Rank	Sector Rank
ROA	1.36%
ROE	12.62%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	24.09%
GM	N/A
FCFM	23.99%

ROA(3y)1.05%

ROA(5y)1.11%

ROE(3y)10.04%

ROE(5y)9.39%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-7.22%

PM growth 5Y-3.17%

GM growth 3YN/A

GM growth 5YN/A

F-Score8

Asset Turnover0.06

Health

		Industry Rank	Sector Rank
Debt/Equity	0.15
Debt/FCF	1.18
Debt/EBITDA	N/A
Cap/Depr	72.24%
Cap/Sales	2.24%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	99.58%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC8.79%

ROIC/WACCN/A

Cap/Depr(3y)60.08%

Cap/Depr(5y)54.17%

Cap/Sales(3y)2.51%

Cap/Sales(5y)2.41%

Profit Quality(3y)129.7%

Profit Quality(5y)117.94%

High Growth Momentum

Growth

EPS 1Y (TTM)2.69%

EPS 3Y-0.48%

EPS 5Y0.96%

EPS Q2Q%23.68%

EPS Next Y18.63%

EPS Next 2Y17.8%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)18.92%

Revenue growth 3Y6.34%

Revenue growth 5Y4.82%

Sales Q2Q%-8.32%

Revenue Next Year10.61%

Revenue Next 2Y9.71%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y5.59%

FCF growth 3Y5.39%

FCF growth 5Y2.4%

OCF growth 1Y6.07%

OCF growth 3Y6.16%

OCF growth 5Y3.65%

COMMUNITY FINANCIAL SYSTEM I (CBU) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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