Community Financial System, Inc. CBU
61.57
0.83
1.37%
as of 25 Sep
- Market cap
- $3.2B
- P/E
- 14.3×
Follow CBU
Growth Flags
show if company had growth for consecutive years,
Insider Buys
alert about insiders buying in the last 12 month
| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
26.55 | 17.84 | 17.77 | 21.76 | 20.10 | 21.22 | 17.89 | 20.71 | 17.88 | 14.43 |
P/S ratio |
6.19 | 4.95 | 5.08 | 5.95 | 5.34 | 6.34 | 4.78 | 3.73 | 3.46 | 2.99 |
P/FCF ratio |
22.13 | 14.72 | 14.30 | 18.66 | 20.00 | 21.24 | 16.44 | 12.98 | 14.32 | 12.87 |
P/Operating CF |
85.39 | 51.78 | 55.62 | 49.92 | 60.84 | 81.18 | 46.87 | 63.08 | 49.50 | 35.79 |
P/B ratio |
2.28 | 1.61 | 1.74 | 1.98 | 1.57 | 1.91 | 2.16 | 1.66 | 1.85 | 1.51 |
Price to Tangible BV |
3.80 | 3.25 | 3.29 | 3.60 | 2.62 | 3.25 | 5.17 | 3.53 | 3.78 | 2.85 |
EV/Sales |
6.02 | 4.77 | 4.89 | 5.78 | 2.82 | 3.39 | 5.60 | 4.09 | 4.03 | 3.11 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
19.56 | 13.37 | 12.97 | 17.58 | 9.71 | 10.62 | 18.34 | 13.53 | 15.66 | 10.43 |
EV/FCF |
21.55 | 14.18 | 13.76 | 18.10 | 10.56 | 11.36 | 19.29 | 14.22 | 16.70 | 13.38 |
Quick Ratio |
0.02 | 0.02 | 0.02 | 0.02 | 0.14 | 0.14 | 0.02 | 0.01 | 0.01 | 0.02 |
Current Ratio |
0.69 | 0.72 | 0.74 | 0.75 | 0.77 | 0.69 | 0.67 | 0.74 | 0.76 | 0.76 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
1.18% | 1.16% | 0.94% | 0.83% | 0.63% | 0.03% | 5.00% | 2.96% | 4.50% | 2.65% |
Debt/Equity |
0.09 | 0.08 | 0.06 | 0.05 | 0.04 | 0.00 | 0.51 | 0.27 | 0.42 | 0.23 |
Asset Turnover |
0.05 | 0.05 | 0.06 | 0.06 | 0.05 | 0.04 | 0.04 | 0.05 | 0.06 | 0.06 |
Operating CF/Net income |
1.31 | 1.26 | 1.32 | 1.20 | 1.09 | 1.07 | 1.14 | 1.74 | 1.33 | 1.44 |
Capex/Depreciation |
(0.78) | (0.40) | (0.51) | (0.22) | (0.75) | (1.72) | (0.90) | (0.32) | (0.38) | (1.50) |
| 8.83% | 10.60% | 10.03% | 9.45% | 8.29% | 9.00% | 10.27% | 8.09% | 10.50% | 11.12% | |
| 1.20% | 1.55% | 1.57% | 1.53% | 1.30% | 1.28% | 1.20% | 0.84% | 1.14% | 1.24% | |
ROIC |
8.67% | 7.55% | 8.28% | 7.81% | 24.17% | 65.57% | 7.18% | 5.34% | 6.42% | 7.96% |
Return on Tangible Assets |
(4.81%) | (6.27%) | (7.64%) | (7.60%) | (6.48%) | (4.67%) | (4.34%) | (3.94%) | (5.87%) | (6.22%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
60.74% | 59.26% | 57.73% | 57.74% | 60.15% | 57.50% | 59.66% | 62.07% | 52.66% | 52.32% |
Intangible Assets out of Total Assets |
0.06 | 0.08 | 0.08 | 0.07 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.05 |
Share Based Compensation of Revenue |
1.09% | 0.97% | 1.03% | 0.86% | 1.04% | 1.00% | 1.10% | 1.23% | 0.89% | 1.07% |
Graham Net Nets |
(0.87) | (1.00) | (0.81) | (0.68) | (0.84) | (1.05) | (1.57) | (1.41) | (1.23) | (1.33) |
Graham Number |
37.74 | 47.70 | 49.72 | 51.29 | 52.64 | 55.44 | 47.48 | 42.55 | 50.93 | 58.38 |
Earnings Yield |
3.77% | 5.61% | 5.63% | 4.60% | 4.98% | 4.71% | 5.59% | 4.83% | 5.59% | 6.93% |
Free Cash Flow Yield |
4.52% | 6.79% | 7.00% | 5.36% | 5.00% | 4.71% | 6.08% | 7.70% | 6.98% | 7.77% |
Revenue per Share |
10.00 | 10.89 | 11.47 | 11.91 | 11.66 | 11.74 | 13.03 | 14.11 | 17.83 | 19.18 |
Operating CF per Share |
3.08 | 3.88 | 4.33 | 3.91 | 3.39 | 3.75 | 3.98 | 4.26 | 4.59 | 5.73 |
Capex per Share |
(0.28) | (0.22) | (0.25) | (0.11) | (0.27) | (0.24) | (0.19) | (0.21) | (0.28) | (1.26) |
Free Cash Flow per Share |
2.80 | 3.66 | 4.08 | 3.80 | 3.12 | 3.51 | 3.79 | 4.05 | 4.31 | 4.47 |
Cash per Share |
3.94 | 4.53 | 4.14 | 3.96 | 31.07 | 34.74 | 3.89 | 3.56 | 3.73 | 5.73 |
Shareholders Equity per Share |
27.17 | 33.48 | 33.50 | 35.86 | 39.72 | 38.92 | 28.79 | 31.68 | 33.42 | 38.07 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
27.17 | 33.48 | 33.50 | 35.86 | 39.72 | 38.92 | 28.79 | 31.68 | 33.42 | 38.07 |
Free Cash Flow |
123.33 | 178.86 | 208.76 | 196.82 | 165.09 | 189.37 | 204.11 | 217.31 | 227.32 | 235.31 |
Working Capital |
(2,257.47) | (2,519.15) | (2,318.79) | (2,382.89) | (2,698.17) | (4,211.95) | (4,481.98) | (3,513.78) | (3,281.31) | (3,617.16) |
Capital Expenditures |
(12.44) | (10.82) | (12.65) | (5.69) | (14.39) | (13.18) | (10.49) | (11.11) | (14.96) | (66.55) |
Net Current Asset Value |
(2,359.64) | (2,644.03) | (2,418.71) | (2,477.75) | (2,785.45) | (4,217.12) | (5,273.11) | (3,974.39) | (4,018.62) | (4,075.93) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.03 | 0.02 | 0.02 | 0.01 | 0.02 | 0.02 | 0.01 | 0.01 | 0.02 | 0.07 |
Net Profit Margin |
23.43% | 28.22% | 28.61% | 27.36% | 26.58% | 29.87% | 26.70% | 17.39% | 19.32% | 20.74% |
Price to Operating Income |
17.78 | 14.21 | 14.06 | 16.84 | 15.64 | 16.60 | 13.69 | 16.76 | 13.75 | 10.99 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.14 | 0.22 | 0.21 | 0.16 | 0.12 | 0.05 | 0.07 | 0.20 | 0.21 | 0.18 |
Cash ROIC |
1.59% | 3.35% | 5.01% | 1.76% | 0.36% | 1.05% | 2.11% | 2.34% | 2.17% | 2.00% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
228,741.76 | 223,672.95 | 171,833.09 | 123,650.31 | 196,268.94 | 362,282.98 | 205,614.67 | 45,327.84 | 25,236.35 | 27,247.55 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
6,974.71 | 7,760.19 | 8,383.40 | 8,658.67 | 10,109.97 | 12,068.07 | 12,961.74 | 12,970.22 | 13,184.92 | 13,914.40 |
Average Assets |
8,609.55 | 9,706.32 | 10,676.75 | 11,008.79 | 12,670.69 | 14,741.88 | 15,694.16 | 15,695.70 | 15,970.90 | 16,844.67 |
Average Common Equity |
1,169.37 | 1,416.71 | 1,674.55 | 1,784.51 | 1,979.67 | 2,102.46 | 1,826.26 | 1,624.82 | 1,730.39 | 1,884.43 |
Columns are period end dates