Community Bank System, Inc. (CBU): Price and Financial Metrics

CBU POWR Grades

• CBU scores best on the Stability dimension, with a Stability rank ahead of 83.9% of US stocks.
• CBU's strongest trending metric is Quality; it's been moving down over the last 179 days.
• CBU ranks lowest in Value; there it ranks in the 2nd percentile.

CBU Stock Summary

• CBU's went public 37.25 years ago, making it older than 93.52% of listed US stocks we're tracking.
• With a year-over-year growth in debt of 244.9%, COMMUNITY BANK SYSTEM INC's debt growth rate surpasses 94.2% of about US stocks.
• The volatility of COMMUNITY BANK SYSTEM INC's share price is greater than that of just 8% US stocks with at least 200 days of trading history.
• Stocks with similar financial metrics, market capitalization, and price volatility to COMMUNITY BANK SYSTEM INC are MWA, NAPA, CWBC, GSBC, and LOB.
• CBU's SEC filings can be seen here. And to visit COMMUNITY BANK SYSTEM INC's official web site, go to cbna.com.

CBU Valuation Summary

• CBU's price/earnings ratio is 15.4; this is 62.11% higher than that of the median Financial Services stock.
• Over the past 243 months, CBU's price/sales ratio has gone up 1.6.

Below are key valuation metrics over time for CBU.

CBU Growth Metrics

The 4 year revenue growth rate now stands at 36.72%.
• Its 4 year net income to common stockholders growth rate is now at 58.28%.
• The year over year net income to common stockholders growth rate now stands at 3.67%.

CBU's revenue has moved up $95,235,000 over the prior 49 months.

The table below shows CBU's growth in key financial areas (numbers in millions of US dollars).

Date	Revenue	Operating Cash Flow	Net Income to Common Stock
2022-09-30	648.936	192.558	179.115
2022-06-30	636.218	213.384	175.76
2022-03-31	630.921	192.674	183.899
2021-12-31	629.486	202.546	189.694
2021-09-30	625.705	207.27	192.615
2021-06-30	618.52	172.205	190.088

CBU's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.

• CBU has a Quality Grade of C, ranking ahead of 36.34% of graded US stocks.
• CBU's asset turnover comes in at 0.043 -- ranking 130th of 430 Banking stocks.
• FIBK, OVLY, and PLBC are the stocks whose asset turnover ratios are most correlated with CBU.

The table below shows CBU's key quality metrics over time.