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

CBU POWR Grades

• Stability is the dimension where CBU ranks best; there it ranks ahead of 94.18% of US stocks.
• CBU's strongest trending metric is Stability; it's been moving up over the last 163 days.
• CBU's current lowest rank is in the Value metric (where it is better than 4.32% of US stocks).

CBU Stock Summary

• CBU's went public 36.08 years ago, making it older than 92.74% of listed US stocks we're tracking.
• Equity multiplier, or assets relative to shareholders' equity, comes in at 7.15 for Community Bank System Inc; that's greater than it is for 85.02% of US stocks.
• The volatility of Community Bank System Inc's share price is greater than that of merely 12.21% 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 UCBI, NBTB, WBS, OLLI, and ABCB.
• Visit CBU's SEC page to see the company's official filings. To visit the company's web site, go to cbna.com.

CBU Valuation Summary

• CBU's price/earnings ratio is 21; this is 90.91% higher than that of the median Financial Services stock.
• CBU's price/sales ratio has moved up 3 over the prior 243 months.
• CBU's price/sales ratio has moved up 3 over the prior 243 months.

Below are key valuation metrics over time for CBU.

CBU Growth Metrics

Its 5 year net income to common stockholders growth rate is now at 79.19%.
• Its 2 year revenue growth rate is now at 9.06%.
• Its 5 year net cashflow from operations growth rate is now at 62.51%.

Over the past 33 months, CBU's revenue has gone up $67,428,000.

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
2021-09-30	625.705	207.27	192.615
2021-06-30	618.52	172.205	190.088
2021-03-31	597.732	214.599	177.392
2020-12-31	582.61	179.483	164.676
2020-09-30	575.882	198.753	161.075
2020-06-30	571.822	207.933	157.484

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.