COMMUNITY FINANCIAL SYSTEM I (CBU) Stock Fundamental Analysis
NYSE:CBU - New York Stock Exchange, Inc. - US2036071064 - Common Stock - Currency: USD
CBU gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 405 industry peers in the Banks industry. There are concerns on the financial health of CBU while its profitability can be described as average. CBU is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year CBU was profitable.
In the past year CBU had a positive cash flow from operations.
Each year in the past 5 years CBU has been profitable.
CBU had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
CBU has a Return On Assets of 1.26%. This is amongst the best in the industry. CBU outperforms 83.42% of its industry peers.
With an excellent Return On Equity value of 11.57%, CBU belongs to the best of the industry, outperforming 82.66% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.26% | ||
| ROE | 11.57% | ||
| ROIC | N/A |
ROA(3y)1.05%
ROA(5y)1.11%
ROE(3y)10.06%
ROE(5y)9.4%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
CBU has a Profit Margin (22.84%) which is comparable to the rest of the industry.
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) | 22.84% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.09%
PM growth 5Y-3.09%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
CBU does not have a ROIC to compare to the WACC, probably because it is not profitable.
CBU has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, CBU has more shares outstanding
Compared to 1 year ago, CBU has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of CBU is 1.56, which is an excellent value as it means it would take CBU, only 1.56 years of fcf income to pay off all of its debts.
CBU has a Debt to FCF ratio of 1.56. This is in the better half of the industry: CBU outperforms 66.08% of its industry peers.
A Debt/Equity ratio of 0.18 indicates that CBU is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.18, CBU is in line with its industry, outperforming 55.28% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.56 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.98%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 2.69% over the past year.
CBU shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.96% yearly.
The Revenue has grown by 14.44% in the past year. This is quite good.
Measured over the past years, CBU shows a small growth in Revenue. The Revenue has been growing by 4.82% on average per year.
EPS 1Y (TTM)2.69%
EPS 3Y-0.48%
EPS 5Y0.96%
EPS Q2Q%23.68%
Revenue 1Y (TTM)14.44%
Revenue growth 3Y6.34%
Revenue growth 5Y4.82%
Sales Q2Q%-8.32%
3.2 Future
CBU is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 17.80% yearly.
The Revenue is expected to grow by 9.33% 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 Year8.7%
Revenue Next 2Y9.33%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 19.37, CBU is valued on the expensive side.
Based on the Price/Earnings ratio, CBU is valued a bit more expensive than 77.39% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 28.47. CBU is valued slightly cheaper when compared to this.
The Price/Forward Earnings ratio is 16.33, which indicates a correct valuation of CBU.
Based on the Price/Forward Earnings ratio, CBU is valued a bit more expensive than 71.86% of the companies in the same industry.
CBU is valuated cheaply when we compare the Price/Forward Earnings ratio to 92.74, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.37 | ||
| Fwd PE | 16.33 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CBU is valued a bit more expensive than the industry average as 62.06% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.25 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
CBU's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
A more expensive valuation may be justified as CBU's earnings are expected to grow with 17.80% in the coming years.
PEG (NY)1.04
PEG (5Y)20.24
EPS Next 2Y17.8%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CBU has a Yearly Dividend Yield of 2.81%.
CBU's Dividend Yield is comparable with the industry average which is at 3.15.
Compared to an average S&P500 Dividend Yield of 2.28, CBU pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.81% |
5.2 History
The dividend of CBU has a limited annual growth rate of 4.80%.
CBU has paid a dividend for at least 10 years, which is a reliable track record.
CBU has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)4.8%
Div Incr Years27
Div Non Decr Years27
5.3 Sustainability
CBU pays out 46.32% of its income as dividend. This is a bit on the high side, but may be sustainable.
CBU's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP46.32%
EPS Next 2Y17.8%
EPS Next 3YN/A
COMMUNITY FINANCIAL SYSTEM I
NYSE:CBU (2/4/2025, 8:04:00 PM)
After market: 66.64 0 (0%)66.64
+2.24 (+3.48%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners73.09%
Inst Owner Change0.26%
Ins Owners0.75%
Ins Owner Change0.4%
Market Cap3.50B
Analysts76
Price Target72.76 (9.18%)
Short Float %2.72%
Short Ratio6.3
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.81% |
Yearly Dividend1.77
Dividend Growth(5Y)4.8%
DP46.32%
Div Incr Years27
Div Non Decr Years27
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.68%
Min EPS beat(2)-6.15%
Max EPS beat(2)11.51%
EPS beat(4)1
Avg EPS beat(4)-2.18%
Min EPS beat(4)-10.57%
Max EPS beat(4)11.51%
EPS beat(8)3
Avg EPS beat(8)-1.82%
EPS beat(12)4
Avg EPS beat(12)-0.92%
EPS beat(16)8
Avg EPS beat(16)1.71%
Revenue beat(2)2
Avg Revenue beat(2)0.59%
Min Revenue beat(2)0.14%
Max Revenue beat(2)1.03%
Revenue beat(4)3
Avg Revenue beat(4)5.39%
Min Revenue beat(4)-0.74%
Max Revenue beat(4)21.13%
Revenue beat(8)3
Avg Revenue beat(8)-0.49%
Revenue beat(12)5
Avg Revenue beat(12)7.81%
Revenue beat(16)6
Avg Revenue beat(16)5.72%
PT rev (1m)1.66%
PT rev (3m)12.34%
EPS NQ rev (1m)0.52%
EPS NQ rev (3m)1.89%
EPS NY rev (1m)2.24%
EPS NY rev (3m)4.46%
Revenue NQ rev (1m)0.19%
Revenue NQ rev (3m)0.19%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)0.39%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.37 | ||
| Fwd PE | 16.33 | ||
| P/S | 3.87 | ||
| P/FCF | 17.25 | ||
| P/OCF | 15.83 | ||
| P/B | 1.96 | ||
| P/tB | 3.96 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.44
EY5.16%
EPS(NY)4.08
Fwd EY6.12%
FCF(TTM)3.86
FCFY5.8%
OCF(TTM)4.21
OCFY6.32%
SpS17.2
BVpS33.96
TBVpS16.83
PEG (NY)1.04
PEG (5Y)20.24
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.26% | ||
| ROE | 11.57% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 22.84% | ||
| GM | N/A | ||
| FCFM | 22.45% |
ROA(3y)1.05%
ROA(5y)1.11%
ROE(3y)10.06%
ROE(5y)9.4%
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-7.09%
PM growth 5Y-3.09%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.56 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 64% | ||
| Cap/Sales | 2.01% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 98.32% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC8.98%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
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)14.44%
Revenue growth 3Y6.34%
Revenue growth 5Y4.82%
Sales Q2Q%-8.32%
Revenue Next Year8.7%
Revenue Next 2Y9.33%
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 1Y-14.86%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-13.33%
OCF growth 3YN/A
OCF growth 5YN/A