Shares Outstanding Shares Outstanding n/a Close	52.85M
Shares Change (YoY) Shares Change (YoY) n/a Close	-0.11%
Shares Change (QoQ) Shares Change (QoQ) n/a Close	0.29%
Owned by Institutions (%) Owned by Institutions (%) n/a Close	73.3%
Shares Floating Shares Floating n/a Close	52.15M
Failed to Deliver (FTD) Shares Failed to Deliver (FTD) Shares n/a Close	316
FTD / Avg. Volume FTD / Avg. Volume n/a Close	0.14%

Short Selling Information

The latest short interest is 1.48M, so 2.79% of the outstanding shares have been sold short.

Short Interest Short Interest n/a Close	1.48M
Short % of Shares Out Short % of Shares Out n/a Close	2.79%
Short % of Float Short % of Float n/a Close	3.86%
Short Ratio (days to cover) Short Ratio (days to cover) n/a Close	7.72

Valuation Ratios

The PE ratio is 17.83 and the forward PE ratio is 12.21. Community Bank System's PEG ratio is 0.44.

PE Ratio PE Ratio n/a Close	17.83
Forward PE Forward PE n/a Close	12.21
PS Ratio PS Ratio n/a Close	5.06
Forward PS Forward PS n/a Close	3.4
PB Ratio PB Ratio n/a Close	1.85
P/FCF Ratio P/FCF Ratio n/a Close	14.69
PEG Ratio PEG Ratio n/a Close	0.44

Financial Ratio History

Enterprise Valuation

Community Bank System has an Enterprise Value (EV) of 3.79B.

EV / Sales EV / Sales n/a Close	5.9
EV / EBITDA EV / EBITDA n/a Close	12.77
EV / EBIT EV / EBIT n/a Close	15.66
EV / FCF EV / FCF n/a Close	17.12

Financial Position

The company has a current ratio of 25.74, with a Debt / Equity ratio of 0.42.

Current Ratio Current Ratio n/a Close	25.74
Quick Ratio Quick Ratio n/a Close	25.74
Debt / Equity Debt / Equity n/a Close	0.42
Debt / EBITDA Debt / EBITDA n/a Close	2.48
Debt / FCF Debt / FCF n/a Close	3.33
Interest Coverage Interest Coverage n/a Close	1.53

Financial Efficiency

Return on Equity is 10.35% and Return on Invested Capital is 5.56%.

Return on Equity Return on Equity n/a Close	10.35%
Return on Assets Return on Assets n/a Close	1.11%
Return on Invested Capital Return on Invested Capital n/a Close	5.56%
Revenue Per Employee Revenue Per Employee n/a Close	$235,724.54
Profits Per Employee Profits Per Employee n/a Close	$66,842.86
Employee Count Employee Count n/a Close	2,730
Asset Turnover Asset Turnover n/a Close	0.04
Inventory Turnover Inventory Turnover n/a Close	n/a

Taxes

Income Tax Income Tax n/a Close	54.22M
Effective Tax Rate Effective Tax Rate n/a Close	22.91%

Stock Price Statistics

The stock price has increased by 29.27% in the last 52 weeks. The beta is 0.8, so Community Bank System's price volatility has been higher than the market average.

Beta Beta n/a Close	0.8
52-Week Price Change 52-Week Price Change n/a Close	29.27%
50-Day Moving Average 50-Day Moving Average n/a Close	55.46
200-Day Moving Average 200-Day Moving Average n/a Close	60.59
Relative Strength Index (RSI) Relative Strength Index (RSI) n/a Close	54.13
Average Volume (20 Days) Average Volume (20 Days) n/a Close	226,685

Income Statement

In the last 12 months, Community Bank System had revenue of 643.53M and earned 182.48M in profits. Earnings per share was 3.44.

Revenue Revenue n/a Close	643.53M
Gross Profit Gross Profit n/a Close	328.49M
Operating Income Operating Income n/a Close	297.11M
Net Income Net Income n/a Close	182.48M
EBITDA EBITDA n/a Close	297.11M
EBIT EBIT n/a Close	431.12M
Earnings Per Share (EPS) Earnings Per Share (EPS) n/a Close	3.44

Full Income Statement

Balance Sheet

The company has 197M in cash and 737.31M in debt, giving a net cash position of -540.31M.

Cash & Cash Equivalents Cash & Cash Equivalents n/a Close	197M
Total Debt Total Debt n/a Close	737.31M
Net Cash Net Cash n/a Close	-540.31M
Retained Earnings Retained Earnings n/a Close	1.28B
Total Assets Total Assets n/a Close	16.39B
Working Capital Working Capital n/a Close	563.3M

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 242.28M and capital expenditures 0, giving a free cash flow of 221.57M.

Operating Cash Flow Operating Cash Flow n/a Close	242.28M
Capital Expenditures Capital Expenditures n/a Close	n/a
Free Cash Flow Free Cash Flow n/a Close	221.57M
FCF Per Share FCF Per Share n/a Close	4.2

Full Cash Flow Statement

Margins

Gross margin is 51.05%, with operating and profit margins of 46.17% and 28.36%.

Gross Margin Gross Margin n/a Close	51.05%
Operating Margin Operating Margin n/a Close	46.17%
Pretax Margin Pretax Margin n/a Close	36.78%
Profit Margin Profit Margin n/a Close	28.36%
EBITDA Margin EBITDA Margin n/a Close	46.17%
EBIT Margin EBIT Margin n/a Close	46.17%
FCF Margin FCF Margin n/a Close	34.43%

Dividends & Yields

CBU pays an annual dividend of $2.29, which amounts to a dividend yield of 3.17%.

Dividend Per Share Dividend Per Share n/a Close	$2.29
Dividend Yield Dividend Yield n/a Close	3.17%
Dividend Growth (YoY) Dividend Growth (YoY) n/a Close	2.22%
Payout Ratio Payout Ratio n/a Close	63.43%
Earnings Yield Earnings Yield n/a Close	5.61%
FCF Yield FCF Yield n/a Close	6.81%

Dividend Details

Analyst Forecast

The average price target for CBU is $70, which is 22.2% higher than the current price. The consensus rating is "Hold".

Price Target Price Target n/a Close	$70
Price Target Difference Price Target Difference n/a Close	22.2%
Analyst Consensus Analyst Consensus n/a Close	Hold
Analyst Count Analyst Count n/a Close	3

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value Lynch Fair Value n/a Close	$17.2
Lynch Upside Lynch Upside n/a Close	-69.97%
Graham Number Graham Number n/a Close	51
Graham Upside Graham Upside n/a Close	-10.96%

Stock Splits

The last stock split was on Apr 13, 2004. It was a forward split with a ratio of 2:1.

Last Split Date Last Split Date n/a Close	Apr 13, 2004
Split Type Split Type n/a Close	forward
Split Ratio Split Ratio n/a Close	2:1

Scores

Altman Z-Score Altman Z-Score n/a Close	0.36
Piotroski F-Score Piotroski F-Score n/a Close	4