Community Bank System Inc.
Find Ratings ReportsCOMMUNITY BANK SYSTEM INC's gross profit margin for the fourth quarter of its fiscal year 2023 has decreased when compared to the same period a year ago. Even though sales increased, the net income has decreased, representing a decrease to the bottom line.
During the same period, stockholders' equity ("net worth") has increased by 9.42% from the same quarter last year.
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Income Statement | Q4 FY23 | Q4 FY22 |
---|---|---|
Net Sales ($mil) | 214.1 | 187.69 |
EBITDA ($mil) | 90.58 | 98.39 |
EBIT ($mil) | 83.61 | 90.89 |
Net Income ($mil) | 33.71 | 52.53 |
Balance Sheet | Q4 FY23 | Q4 FY22 |
---|---|---|
Cash & Equiv. ($mil) | 190.96 | 209.9 |
Total Assets ($mil) | 15555.75 | 15835.65 |
Total Debt ($mil) | 806.61 | 1168.87 |
Equity ($mil) | 1697.94 | 1551.71 |
Profitability | Q4 FY23 | Q4 FY22 |
---|---|---|
Gross Profit Margin | 80.75 | 92.26 |
EBITDA Margin | 42.3 | 52.41 |
Operating Margin | 39.05 | 48.43 |
Sales Turnover | 0.05 | 0.04 |
Return on Assets | 0.84 | 1.18 |
Return on Equity | 7.77 | 12.12 |
Debt | Q4 FY23 | Q4 FY22 |
---|---|---|
Current Ratio | 0.0 | 0.0 |
Debt/Capital | 0.32 | 0.43 |
Interest Expense | 0.0 | 0.0 |
Interest Coverage | 0.0 | 0.0 |
Share Data | Q4 FY23 | Q4 FY22 |
---|---|---|
Shares outstanding (mil) | 53.33 | 53.74 |
Div / share | 0.45 | 0.44 |
EPS | 0.63 | 0.97 |
Book value / share | 31.84 | 28.88 |
Institutional Own % | n/a | n/a |
Avg Daily Volume | 322871.0 | 324703.0 |
HOLD. The current P/E ratio indicates a premium compared to an average of 17.75 for the Credit Intermediation and Related Activities subsector and a significant discount compared to the S&P 500 average of 27.95. For additional comparison, its price-to-book ratio of 1.37 indicates a significant discount versus the S&P 500 average of 4.68 and a significant discount versus the subsector average of 8.64. The price-to-sales ratio is above the S&P 500 average, but well below the subsector average.
Price/Earnings |
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Price/Cash Flow |
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CBU 17.82 | Peers 17.75 | CBU 10.19 | Peers 20.18 | |||||||||||||||||||||
Average. An average P/E ratio can signify an subsector neutral price for a stock and an average growth expectation. CBU is trading at a valuation on par with its peers. |
Discount. The P/CF ratio, a stock’s price divided by the company's cash flow from operations, is useful for comparing companies with different capital requirements or financing structures. CBU is trading at a significant discount to its peers. |
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Price/Projected Earnings |
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Price to Earnings/Growth |
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CBU 12.62 | Peers 13.86 | CBU 0.58 | Peers 1.78 | |||||||||||||||||||||
Average. An average price-to-projected earnings ratio can signify an subsector neutral stock price and average future growth expectations. CBU is trading at a valuation on par with its peers. |
Discount. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples. CBU trades at a significant discount to its peers. |
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Price/Book |
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Earnings Growth |
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CBU 1.37 | Peers 8.64 | CBU -29.20 | Peers 24.72 | |||||||||||||||||||||
Discount. A lower price-to-book ratio makes a stock more attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet. CBU is trading at a significant discount to its peers. |
Lower. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios. However, CBU is expected to significantly trail its peers on the basis of its earnings growth rate. |
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Price/Sales |
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Sales Growth |
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CBU 3.08 | Peers 4.87 | CBU 7.61 | Peers 44.87 | |||||||||||||||||||||
Discount. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales. CBU is trading at a significant discount to its subsector on this measurement. |
Lower. A sales growth rate that trails the subsector implies that a company is losing market share. CBU significantly trails its peers on the basis of sales growth. |
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