Total Valuation
Community Bank System has a market cap or net worth of €3.00B. The enterprise value is €3.29B.
Market Cap€3.00B
Enterprise Value€3.29B
Share Statistics
Community Bank System has 52,554,928 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding52,554,928
Owned by Insiders0.86%
Owned by Institutions0.16%
Financial Efficiency
Community Bank System’s return on equity (ROE) is 0.10 and return on invested capital (ROIC) is 1.21%.
Return on Equity (ROE)0.10
Return on Assets (ROA)0.01
Return on Invested Capital (ROIC)1.21%
Return on Capital Employed (ROCE)0.02
Revenue Per Employee370.34K
Profits Per Employee77.09K
Employee Count2,730
Asset Turnover0.06
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Community Bank System is 16.1. Community Bank System’s PEG ratio is 0.92.
PE Ratio16.1
PS Ratio2.99
PB Ratio1.51
Price to Fair Value1.51
Price to FCF12.97
Price to Operating Cash Flow11.30
PEG Ratio0.92
Income Statement
In the last 12 months, Community Bank System had revenue of 1.01B and earned 210.46M in profits. Earnings per share was 3.98.
Revenue1.01B
Gross Profit796.94M
Operating Income275.39M
Pretax Income275.39M
Net Income210.46M
EBITDA305.60M
Earnings Per Share (EPS)3.98
Cash Flow
In the last 12 months, operating cash flow was 310.91M and capital expenditures -84.64M, giving a free cash flow of 226.27M billion.
Operating Cash Flow310.91M
Free Cash Flow226.27M
Free Cash Flow per Share4.31
Dividends & Yields
Community Bank System pays an annual dividend of ―, resulting in a dividend yield of ―
Dividend Per Share―
Dividend Yield―
Payout RatioN/A
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.42
52-Week Price Change15.44%
50-Day Moving Average54.61
200-Day Moving Average51.16
Relative Strength Index (RSI)57.11
Average Volume (3m)0.00
Important Dates
Community Bank System upcoming earnings date is Jul 28, 2026, Before Open (Confirmed).
Last Earnings DateApr 29, 2026
Next Earnings DateJul 28, 2026
Ex-Dividend Date―
Financial Position
Community Bank System as a current ratio of 1.49, with Debt / Equity ratio of 31.98%
Current Ratio1.49
Quick Ratio1.49
Debt to Market Cap0.23
Net Debt to EBITDA1.46
Interest Coverage Ratio1.43
Taxes
In the past 12 months, Community Bank System has paid 64.94M in taxes.
Income Tax64.94M
Effective Tax Rate0.24
Enterprise Valuation
Community Bank System EV to EBITDA ratio is 11.36, with an EV/FCF ratio of 14.88.
EV to Sales3.43
EV to EBITDA11.36
EV to Free Cash Flow14.88
EV to Operating Cash Flow11.50
Balance Sheet
Community Bank System has €572.17M in cash and marketable securities with €647.35M in debt, giving a net cash position of -€75.17M billion.
Cash & Marketable Securities€572.17M
Total Debt€647.35M
Net Cash-€75.17M
Net Cash Per Share-€1.43
Tangible Book Value Per Share€20.18
Margins
Gross margin is 79.45%, with operating margin of 27.24%, and net profit margin of 20.82%.
Gross Margin79.45%
Operating Margin27.24%
Pretax Margin27.24%
Net Profit Margin20.82%
EBITDA Margin30.23%
EBIT Margin27.24%
Analyst Forecast
The average price target for Community Bank System is €61.69, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target€61.69
Price Target Upside15.32% Upside
Analyst ConsensusModerate Buy
Analyst Count2
Revenue Growth Forecast-1.06%
EPS Growth Forecast5.38%