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Community Bank System (CBU) Financials

Community Bank System logo
$53.30 +0.03 (+0.06%)
Closing price 03:59 PM Eastern
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$53.38 +0.08 (+0.14%)
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Annual Income Statements for Community Bank System

Annual Income Statements for Community Bank System

This table shows Community Bank System's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Net Income / (Loss) Attributable to Common Shareholders		 91 104 151 169 169 165 190 188 132 182
Consolidated Net Income / (Loss)		 91 104 151 169 169 165 190 188 132 182
Net Income / (Loss) Continuing Operations		 91 104 151 169 169 165 190 188 132 182
Total Pre-Tax Income 		132 155 160 213 209 206 241 240 168 237
Total Revenue		 372 430 518 569 590 597 621 679 652 746
Net Interest Income / (Expense)		 248 274 316 345 359 368 374 421 437 449
Total Interest Income		 260 285 329 363 386 389 387 444 541 644
Loans and Leases Interest Income		 188 211 254 286 308 315 308 335 445 546
Investment Securities Interest Income		 72 74 76 77 78 74 79 109 96 98
Total Interest Expense		 11 11 14 18 27 21 13 23 104 194
Deposits Interest Expense		 6.97 7.33 8.03 11 20 17 12 15 85 160
Long-Term Debt Interest Expense		 4.23 3.97 5.75 7.02 6.09 4.11 1.38 8.06 19 35
Total Non-Interest Income		 123 156 202 224 231 228 246 259 215 297
Service Charges on Deposit Accounts		 3.35 82 94 101 98 90 93 107 110 117
Other Service Charges		 58 7.48 5.47 3.57 4.36 3.75 3.67 4.64 6.32 7.51
Net Realized & Unrealized Capital Gains on Investments		 -0.00 0.00 0.00 0.34 4.90 0.42 0.02 -0.04 -52 0.74
Other Non-Interest Income		 62 66 103 119 124 135 149 147 150 172
Provision for Credit Losses		 6.45 8.08 11 11 8.43 14 -8.84 15 11 23
Total Non-Interest Expense		 233 267 347 345 372 377 388 424 473 487
Salaries and Employee Benefits		 126 156 187 207 220 228 242 257 282 301
Net Occupancy & Equipment Expense		 58 65 73 79 81 86 92 97 100 106
Marketing Expense		 7.20 7.48 9.99 9.38 11 9.46 9.32 13 16 16
Other Operating Expenses		 27 31 34 32 35 33 30 37 56 50
Amortization Expense		 3.66 5.48 17 18 16 14 14 15 15 14
Restructuring Charge		 7.04 1.71 26 -0.77 8.61 4.93 0.90 4.72 4.51 0.46
Income Tax Expense		 41 51 9.25 44 40 41 52 52 36 54
Basic Earnings per Share		 $2.21 $2.34 $3.07 $3.28 $3.26 $3.10 $3.51 $3.48 $2.45 $3.44
Weighted Average Basic Shares Outstanding		 41.00M 44.09M 48.84M 51.17M 51.91M 53.68M 53.86M 53.77M 53.33M 52.71M
Diluted Earnings per Share		 $2.19 $2.32 $3.03 $3.24 $3.23 $3.08 $3.48 $3.46 $2.45 $3.44
Weighted Average Diluted Shares Outstanding		 41.00M 44.09M 48.84M 51.17M 51.91M 53.68M 53.86M 53.77M 53.33M 52.71M
Weighted Average Basic & Diluted Shares Outstanding		 41.00M 44.09M 48.84M 51.17M 51.91M 53.68M 53.86M 53.77M 53.33M 52.71M
Cash Dividends to Common per Share		 $1.22 $1.26 $1.32 $1.44 $1.58 $1.66 $1.70 $1.74 $1.78 $1.82

Quarterly Income Statements for Community Bank System

This table shows Community Bank System's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Net Income / (Loss) Attributable to Common Shareholders		 49 53 5.80 48 44 34 41 48 44 50
Consolidated Net Income / (Loss)		 49 53 5.80 48 44 34 41 48 44 50
Net Income / (Loss) Continuing Operations		 49 53 5.80 48 44 34 41 48 44 50
Total Pre-Tax Income 		62 67 6.97 61 56 44 53 62 57 65
Total Revenue		 176 176 125 175 175 177 177 184 189 196
Net Interest Income / (Expense)		 110 112 111 109 108 109 107 109 113 120
Total Interest Income		 116 124 126 132 138 146 153 157 164 170
Loans and Leases Interest Income		 88 96 100 107 115 122 127 133 140 145
Investment Securities Interest Income		 27 28 26 24 22 24 25 24 23 25
Total Interest Expense		 5.48 12 15 22 30 37 46 48 51 50
Deposits Interest Expense		 3.86 5.93 9.93 19 25 32 37 40 41 42
Long-Term Debt Interest Expense		 1.63 5.83 4.92 3.40 5.22 5.23 8.88 7.24 11 8.20
Total Non-Interest Income		 65 64 13 66 68 68 70 74 76 76
Service Charges on Deposit Accounts		 29 25 24 26 26 34 25 27 29 35
Other Service Charges		 0.91 2.12 3.26 4.06 3.45 -4.45 3.66 3.19 4.62 -3.96
Net Realized & Unrealized Capital Gains on Investments		 -0.00 -0.02 -52 -0.05 -0.05 0.05 0.02 0.64 -0.15 0.25
Other Non-Interest Income		 36 36 38 36 38 38 41 43 43 45
Provision for Credit Losses		 5.06 2.77 3.50 0.75 2.88 4.07 6.15 2.71 7.71 6.21
Total Non-Interest Expense		 108 106 114 113 117 129 118 119 124 126
Salaries and Employee Benefits		 66 64 71 68 71 72 73 73 78 76
Net Occupancy & Equipment Expense		 25 24 24 25 26 25 26 26 26 27
Marketing Expense		 3.62 3.12 2.90 4.57 4.63 3.64 3.05 4.14 4.37 4.51
Other Operating Expenses		 9.59 11 12 11 12 22 13 11 12 14
Amortization Expense		 3.84 3.79 3.67 3.71 3.58 3.56 3.58 3.88 3.37 3.44
Restructuring Charge		 0.41 -0.35 0.06 1.00 0.08 3.37 0.04 0.10 -0.09 0.41
Income Tax Expense		 14 15 1.18 13 12 10 12 14 13 15
Basic Earnings per Share		 $0.90 $0.97 $0.11 $0.90 $0.82 $0.62 $0.77 $0.91 $0.83 $0.93
Weighted Average Basic Shares Outstanding		 53.73M 53.77M 53.73M 53.53M 53.39M 53.33M 52.77M 52.54M 52.56M 52.71M
Diluted Earnings per Share		 $0.90 $0.97 $0.11 $0.89 $0.82 $0.63 $0.76 $0.91 $0.83 $0.94
Weighted Average Diluted Shares Outstanding		 53.73M 53.77M 53.73M 53.53M 53.39M 53.33M 52.77M 52.54M 52.56M 52.71M
Weighted Average Basic & Diluted Shares Outstanding		 53.73M 53.77M 53.73M 53.53M 53.39M 53.33M 52.77M 52.54M 52.56M 52.71M

Annual Cash Flow Statements for Community Bank System

This table details how cash moves in and out of Community Bank System's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Net Change in Cash & Equivalents		 15 21 47 -9.20 -6.80 1,441 229 -1,665 -19 6.04
Net Cash From Operating Activities		 120 136 190 221 203 179 203 215 228 242
Net Cash From Continuing Operating Activities		 120 136 190 221 203 179 203 215 228 242
Net Income / (Loss) Continuing Operations		 91 104 151 169 169 165 190 188 132 182
Consolidated Net Income / (Loss)		 91 104 151 169 169 165 190 188 132 182
Provision For Loan Losses		 6.45 8.08 11 11 8.43 14 -8.84 15 11 23
Depreciation Expense		 13 14 16 16 16 16 16 14 13 14
Amortization Expense		 4.07 1.59 11 19 10 3.32 -7.93 -2.72 21 26
Non-Cash Adjustments to Reconcile Net Income		 -0.35 2.44 3.73 -5.34 -1.28 0.58 3.98 4.98 58 2.75
Changes in Operating Assets and Liabilities, net		 5.04 5.45 -2.60 13 0.24 -19 10 -4.92 -6.40 -5.20
Net Cash From Investing Activities		 -274 -122 131 17 -157 -399 -1,531 -2,139 336 -836
Net Cash From Continuing Investing Activities		 -274 -122 131 17 -157 -399 -1,531 -2,139 336 -836
Purchase of Property, Leasehold Improvements and Equipment		 -12 -12 -11 -13 -5.69 -15 -13 -13 -19 -21
Purchase of Investment Securities		 -654 -231 -47 -117 -957 -1,270 -1,944 -2,395 -1,000 -947
Sale of Property, Leasehold Improvements and Equipment		 - - - - - 0.39 0.20 2.43 7.47 5.74
Sale and/or Maturity of Investments		 392 118 187 147 804 886 427 267 1,347 127
Net Cash From Financing Activities		 169 6.87 -274 -248 -52 1,660 1,557 259 -583 599
Net Cash From Continuing Financing Activities		 169 6.87 -274 -248 -52 1,670 1,557 259 -583 599
Net Change in Deposits		 239 202 -80 -122 104 1,714 1,686 -421 -84 514
Issuance of Debt		 - - - - - -8.30 0.00 768 -315 315
Issuance of Common Equity		 26 19 15 19 14 16 9.82 1.18 1.02 7.09
Repayment of Debt		 -37 -155 -145 -73 -64 -3.09 -82 -0.10 -15 -47
Repurchase of Common Equity		 -9.13 -3.47 -3.31 -0.30 -0.29 -0.27 -5.11 -17 -30 -46
Payment of Dividends		 -49 -55 -62 -71 -80 -87 -91 -93 -95 -96
Other Financing Activities, Net		 -0.81 -1.42 1.87 -0.72 -26 39 40 21 -44 -47
Cash Interest Paid		 11 11 14 18 25 21 14 23 100 193
Cash Income Taxes Paid		 29 32 41 30 46 40 42 57 42 44

Quarterly Cash Flow Statements for Community Bank System

This table details how cash moves in and out of Community Bank System's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Net Change in Cash & Equivalents		 50 -37 -21 33 233 -265 147 -137 145 -149
Net Cash From Operating Activities		 44 72 77 41 65 45 80 40 57 66
Net Cash From Continuing Operating Activities		 44 72 77 41 65 45 80 40 57 66
Net Income / (Loss) Continuing Operations		 49 53 5.80 48 44 34 41 48 44 50
Consolidated Net Income / (Loss)		 49 53 5.80 48 44 34 41 48 44 50
Provision For Loan Losses		 5.06 2.77 3.50 0.75 2.88 4.07 6.15 2.71 7.71 6.21
Depreciation Expense		 3.58 3.46 3.30 3.24 3.24 3.21 3.28 3.40 3.43 3.57
Amortization Expense		 -0.77 -0.18 4.41 5.17 5.70 5.92 5.96 6.38 6.02 7.44
Non-Cash Adjustments to Reconcile Net Income		 1.00 1.02 53 0.73 1.96 1.44 0.88 0.73 1.43 -0.28
Changes in Operating Assets and Liabilities, net		 -13 12 6.99 -17 6.95 -3.64 23 -21 -5.63 -0.99
Net Cash From Investing Activities		 -283 -254 596 160 -123 -297 -215 -171 -239 -211
Net Cash From Continuing Investing Activities		 -283 -254 596 160 -123 -297 -215 -171 -239 -211
Purchase of Property, Leasehold Improvements and Equipment		 -4.55 -2.91 -4.07 -2.87 -6.95 -4.70 -2.56 -6.01 -4.93 -7.20
Purchase of Investment Securities		 -405 -306 -188 -199 -310 -303 -233 -212 -278 -225
Sale of Property, Leasehold Improvements and Equipment		 1.45 0.50 1.63 2.73 1.54 1.57 1.22 0.43 1.44 2.66
Sale and/or Maturity of Investments		 126 55 786 359 192 9.33 19 46 42 19
Net Cash From Financing Activities		 288 145 -694 -168 291 -13 282 -5.43 327 -4.21
Net Cash From Continuing Financing Activities		 288 145 -691 -171 291 -13 282 -5.43 327 -4.21
Net Change in Deposits		 129 -474 98 -239 159 -103 424 -214 338 -34
Issuance of Debt		 -66 768 -710 176 834 -615 -53 328 -25 65
Issuance of Common Equity		 0.29 0.10 0.51 0.15 0.05 0.30 0.96 0.44 1.31 4.39
Repayment of Debt		 120 -120 -2.22 -3.02 -769 759 -13 -11 -65 41
Repurchase of Common Equity		 -0.06 -0.06 -11 -9.71 -5.16 -4.39 -35 -11 -0.05 -0.05
Payment of Dividends		 -23 -24 -24 -24 -24 -24 -24 -24 -24 -24
Other Financing Activities, Net		 129 -6.14 -43 -71 96 -26 -19 -73 100 -56
Cash Interest Paid		 5.83 12 15 22 28 36 45 47 51 50
Cash Income Taxes Paid		 16 16 1.07 17 11 12 3.36 13 16 11

Annual Balance Sheets for Community Bank System

This table presents Community Bank System's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Total Assets		 8,553 8,666 10,746 10,607 11,410 13,931 15,553 15,836 15,556 16,386
Cash and Due from Banks		 153 174 221 212 205 1,646 1,875 210 191 197
Trading Account Securities		 2,848 2,784 3,031 2,936 3,044 3,550 4,934 5,232 4,165 4,218
Loans and Leases, Net of Allowance		 4,756 4,901 6,209 6,232 6,841 7,355 7,324 8,748 9,638 10,353
Loans and Leases		 4,801 4,949 6,257 6,281 6,891 7,416 7,374 8,809 9,705 10,432
Allowance for Loan and Lease Losses		 45 47 48 49 50 61 50 61 67 79
Premises and Equipment, Net		 114 112 123 120 165 166 161 161 173 184
Goodwill		 463 465 734 734 774 794 799 842 845 853
Intangible Assets		 21 16 91 74 63 53 - 61 53 48
Other Assets		 196 211 336 300 319 368 350 582 490 532
Total Liabilities & Shareholders' Equity		 8,553 8,666 10,746 10,607 11,410 13,931 2,042 15,836 15,556 16,386
Total Liabilities		 7,412 7,468 9,111 8,894 9,555 11,827 13,452 14,284 13,858 14,623
Non-Interest Bearing Deposits		 1,500 1,646 2,293 2,313 2,466 3,362 - 4,141 3,639 3,557
Interest Bearing Deposits		 5,374 5,430 6,151 6,010 6,529 7,863 - 8,872 9,290 9,884
Short-Term Debt		 - 146 361 259 242 284 - 347 305 262
Accrued Interest Payable		 135 144 181 157 215 231 - 134 164 183
Long-Term Debt		 403 102 125 154 103 87 3.28 791 461 737
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 1,141 1,198 1,635 1,714 1,855 2,104 2,038 1,552 1,698 1,763
Total Preferred & Common Equity		 1,141 1,198 1,635 1,714 1,855 2,104 2,101 1,552 1,698 1,763
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00 0.00 0.00
Total Common Equity		 1,141 1,198 1,635 1,714 1,855 2,104 2,038 1,552 1,698 1,763
Common Stock		 572 591 946 963 979 1,079 1,041 1,104 1,115 1,130
Retained Earnings		 567 615 701 796 883 960 1,058 1,152 1,189 1,275
Treasury Stock		 -18 -15 -21 -12 -6.82 -6.20 -11 -26 -56 -101
Accumulated Other Comprehensive Income / (Loss)		 19 7.84 -3.70 -45 -10 62 -51 -686 -557 -548
Other Equity Adjustments		 - 0.00 13 12 10 9.13 - 7.76 6.89 5.90

Quarterly Balance Sheets for Community Bank System

This table presents Community Bank System's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024
Total Assets		 15,595 15,256 15,108 15,386 15,859 15,907 16,405
Cash and Due from Banks		 247 189 223 456 338 201 346
Trading Account Securities		 5,171 4,576 4,169 3,960 4,081 4,167 4,205
Loans and Leases, Net of Allowance		 0.00 0.00 9,107 9,385 9,813 9,952 10,176
Loans and Leases		 - - 9,171 9,450 9,884 10,024 10,252
Allowance for Loan and Lease Losses		 - - 63 65 70 71 76
Premises and Equipment, Net		 162 159 158 175 171 178 178
Goodwill		 845 843 844 845 850 852 852
Intangible Assets		 64 58 58 56 55 54 48
Other Assets		 9,105 9,431 549 509 550 502 599
Total Liabilities & Shareholders' Equity		 15,595 15,256 15,108 15,386 15,859 15,907 16,405
Total Liabilities		 14,133 13,622 13,491 13,831 14,202 14,237 14,620
Non-Interest Bearing Deposits		 4,282 3,950 3,855 3,781 3,555 3,649 3,587
Interest Bearing Deposits		 9,204 9,161 9,017 9,250 9,797 9,488 9,889
Short-Term Debt		 353 305 233 330 287 215 317
Accrued Interest Payable		 152 131 134 154 167 167 195
Long-Term Debt		 143 76 251 317 395 717 631
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 1,461 1,634 1,617 1,555 1,657 1,670 1,785
Total Preferred & Common Equity		 1,461 1,634 1,617 1,555 1,657 1,670 1,785
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 1,461 1,634 1,617 1,555 1,657 1,670 1,785
Common Stock		 1,103 1,107 1,109 1,112 1,118 1,120 1,124
Retained Earnings		 1,124 1,135 1,159 1,179 1,206 1,230 1,250
Treasury Stock		 -26 -36 -46 -51 -89 -100 -100
Accumulated Other Comprehensive Income / (Loss)		 -746 -578 -612 -692 -584 -586 -494
Other Equity Adjustments		 7.70 6.73 6.79 6.84 5.76 5.80 5.85

Annual Metrics and Ratios for Community Bank System

This table displays calculated financial ratios and metrics derived from Community Bank System's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 2.28% 15.55% 20.62% 9.85% 3.63% 1.19% 3.99% 9.46% -4.01% 14.44%
EBITDA Growth		 1.30% 14.17% 9.51% 32.40% -4.83% -4.26% 10.49% 1.20% -19.68% 36.44%
EBIT Growth		 1.95% 16.93% 3.47% 33.15% -1.71% -1.56% 17.12% -0.43% -30.00% 40.70%
NOPAT Growth		 -0.13% 13.79% 45.18% 11.89% 0.25% -2.59% 15.19% -0.85% -29.86% 38.32%
Net Income Growth		 -0.13% 13.79% 45.18% 11.89% 0.25% -2.59% 15.19% -0.85% -29.86% 38.32%
EPS Growth		 -1.35% 5.94% 30.60% 6.93% -0.31% -4.64% 12.99% -0.57% -29.19% 40.41%
Operating Cash Flow Growth		 -2.08% 13.55% 39.70% 16.73% -8.54% -11.37% 12.85% 5.95% 6.44% 6.07%
Free Cash Flow Firm Growth		 88.55% 911.03% -360.15% 130.99% -40.62% -214.72% 607.18% -170.82% 190.17% -132.40%
Invested Capital Growth		 8.13% -6.32% 46.65% 0.29% 3.41% 12.51% -15.00% 27.82% -8.42% 12.12%
Revenue Q/Q Growth		 1.77% 2.56% 6.37% 0.30% 1.42% 0.13% 1.48% 2.45% 0.16% 2.66%
EBITDA Q/Q Growth		 -3.54% 5.76% 6.22% 5.33% -5.34% 4.29% -7.89% 12.96% -8.02% 8.92%
EBIT Q/Q Growth		 -1.96% 6.77% 5.25% 1.86% 0.11% 3.51% -0.87% 4.66% -12.26% 9.61%
NOPAT Q/Q Growth		 -3.25% 6.48% 43.43% -15.61% 1.23% 2.24% -1.52% 5.01% -12.49% 9.67%
Net Income Q/Q Growth		 -3.25% 6.48% 43.43% -15.61% 1.23% 2.24% -1.52% 5.01% -12.49% 9.67%
EPS Q/Q Growth		 -4.37% 4.98% 38.99% -16.92% 1.57% 1.65% -1.97% 5.17% -12.19% 9.90%
Operating Cash Flow Q/Q Growth		 6.11% -4.21% 11.05% 1.29% 10.89% -9.70% -2.28% 11.45% -10.52% 9.51%
Free Cash Flow Firm Q/Q Growth		 87.55% -38.23% -16.81% -13.32% 137.32% 25.20% 101.88% -164.55% 477.85% 68.19%
Invested Capital Q/Q Growth		 -9.45% -2.04% 4.48% 4.14% 1.42% -0.11% -12.07% 37.47% 11.86% 1.04%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 40.20% 39.72% 36.06% 43.46% 39.91% 37.76% 40.12% 37.09% 31.04% 37.01%
EBIT Margin		 35.57% 35.99% 30.88% 37.42% 35.49% 34.53% 38.89% 35.37% 25.80% 31.72%
Profit (Net Income) Margin		 24.54% 24.17% 29.09% 29.63% 28.66% 27.59% 30.56% 27.69% 20.23% 24.45%
Tax Burden Percent		 69.00% 67.15% 94.22% 79.18% 80.76% 79.91% 78.60% 78.26% 78.42% 77.09%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 31.00% 32.85% 5.78% 20.82% 19.24% 20.09% 21.40% 21.74% 21.58% 22.91%
Return on Invested Capital (ROIC)		 6.14% 6.94% 8.45% 7.94% 7.81% 7.04% 8.28% 7.85% 5.12% 6.99%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.14% 6.94% 8.45% 7.94% 7.81% 7.04% 8.28% 7.85% 5.12% 6.99%
Return on Net Nonoperating Assets (RNNOA)		 2.43% 1.93% 2.19% 2.13% 1.66% 1.27% 0.87% 2.63% 3.00% 3.56%
Return on Equity (ROE)		 8.57% 8.88% 10.64% 10.07% 9.47% 8.32% 9.16% 10.48% 8.12% 10.55%
Cash Return on Invested Capital (CROIC)		 -1.67% 13.47% -29.38% 7.64% 4.46% -4.73% 24.50% -16.58% 13.91% -4.44%
Operating Return on Assets (OROA)		 1.65% 1.80% 1.65% 1.99% 1.90% 1.63% 1.64% 1.53% 1.07% 1.48%
Return on Assets (ROA)		 1.14% 1.21% 1.55% 1.58% 1.54% 1.30% 1.29% 1.20% 0.84% 1.14%
Return on Common Equity (ROCE)		 8.57% 8.88% 10.64% 10.07% 9.47% 8.32% 9.16% 10.48% 8.12% 10.55%
Return on Equity Simple (ROE_SIMPLE)		 8.00% 8.66% 9.22% 9.84% 9.11% 7.83% 9.03% 12.12% 7.77% 10.35%
Net Operating Profit after Tax (NOPAT)		 91 104 151 169 169 165 190 188 132 182
NOPAT Margin		 24.54% 24.17% 29.09% 29.63% 28.66% 27.59% 30.56% 27.69% 20.23% 24.45%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 51.54% 53.19% 52.12% 51.97% 53.00% 54.34% 55.28% 54.01% 60.98% 56.59%
Operating Expenses to Revenue		 62.70% 62.13% 67.00% 60.67% 63.08% 63.09% 62.54% 62.45% 72.48% 65.23%
Earnings before Interest and Taxes (EBIT)		 132 155 160 213 209 206 241 240 168 237
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 149 171 187 247 235 225 249 252 202 276
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.14 1.86 1.39 1.48 1.73 1.43 1.81 2.03 1.58 1.84
Price to Tangible Book Value (P/TBV)		 1.98 3.11 2.80 2.81 3.15 2.39 2.98 4.85 3.36 3.76
Price to Revenue (P/Rev)		 3.49 5.19 4.37 4.47 5.43 5.03 5.95 4.64 4.12 4.34
Price to Earnings (P/E)		 14.23 21.47 15.03 15.09 18.95 18.22 19.48 16.74 20.36 17.77
Dividend Yield		 3.86% 2.51% 2.95% 2.90% 2.55% 2.96% 2.48% 2.97% 3.54% 2.95%
Earnings Yield		 7.03% 4.66% 6.65% 6.63% 5.28% 5.49% 5.13% 5.97% 4.91% 5.63%
Enterprise Value to Invested Capital (EV/IC)		 1.00 1.59 1.19 1.29 1.52 0.70 0.87 1.52 1.32 1.46
Enterprise Value to Revenue (EV/Rev)		 4.16 5.36 4.88 4.83 5.67 2.89 2.94 6.00 5.00 5.42
Enterprise Value to EBITDA (EV/EBITDA)		 10.36 13.50 13.54 11.10 14.21 7.66 7.32 16.18 16.10 14.64
Enterprise Value to EBIT (EV/EBIT)		 11.71 14.90 15.82 12.89 15.97 8.37 7.55 16.97 19.38 17.08
Enterprise Value to NOPAT (EV/NOPAT)		 16.97 22.19 16.79 16.28 19.78 10.48 9.61 21.68 24.71 22.16
Enterprise Value to Operating Cash Flow (EV/OCF)		 12.95 16.97 13.34 12.40 16.51 9.61 9.00 19.00 14.27 16.69
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 11.44 0.00 16.91 34.68 0.00 3.25 0.00 9.10 0.00
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.35 0.21 0.30 0.24 0.19 0.18 0.00 0.73 0.45 0.57
Long-Term Debt to Equity		 0.35 0.09 0.08 0.09 0.06 0.04 0.00 0.51 0.27 0.42
Financial Leverage		 0.40 0.28 0.26 0.27 0.21 0.18 0.11 0.34 0.59 0.51
Leverage Ratio		 7.54 7.36 6.85 6.38 6.17 6.40 7.12 8.74 9.66 9.23
Compound Leverage Factor		 7.54 7.36 6.85 6.38 6.17 6.40 7.12 8.74 9.66 9.23
Debt to Total Capital		 26.13% 17.17% 22.91% 19.44% 15.68% 15.00% 0.16% 42.30% 31.07% 36.17%
Short-Term Debt to Total Capital		 0.00% 10.11% 17.02% 12.19% 10.99% 11.47% 0.00% 12.89% 12.37% 9.47%
Long-Term Debt to Total Capital		 26.13% 7.06% 5.89% 7.25% 4.69% 3.53% 0.16% 29.42% 18.70% 26.70%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 73.87% 82.83% 77.09% 80.56% 84.32% 85.00% 99.84% 57.70% 68.93% 63.83%
Debt to EBITDA		 2.70 1.46 2.60 1.67 1.47 1.65 0.01 4.51 3.78 3.62
Net Debt to EBITDA		 1.67 0.44 1.42 0.82 0.59 -5.66 -7.52 3.68 2.84 2.90
Long-Term Debt to EBITDA		 2.70 0.60 0.67 0.62 0.44 0.39 0.01 3.14 2.28 2.67
Debt to NOPAT		 4.42 2.39 3.22 2.45 2.04 2.25 0.02 6.05 5.80 5.47
Net Debt to NOPAT		 2.74 0.72 1.76 1.20 0.83 -7.74 -9.87 4.93 4.35 4.39
Long-Term Debt to NOPAT		 4.42 0.98 0.83 0.92 0.61 0.53 0.02 4.21 3.49 4.04
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -25 201 -524 162 96 -111 561 -397 358 -116
Operating Cash Flow to CapEx		 964.24% 1,091.23% 1,753.16% 1,750.81% 3,561.41% 1,246.84% 1,537.23% 2,045.76% 2,055.62% 1,619.49%
Free Cash Flow to Firm to Interest Expense		 -2.22 17.84 -38.03 9.19 3.63 -5.30 43.13 -17.20 3.44 -0.60
Operating Cash Flow to Interest Expense		 10.67 12.02 13.76 12.52 7.63 8.60 15.57 9.29 2.19 1.25
Operating Cash Flow Less CapEx to Interest Expense		 9.57 10.92 12.98 11.81 7.41 7.91 14.56 8.84 2.09 1.17
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.05 0.05 0.05 0.05 0.05 0.05 0.04 0.04 0.04 0.05
Fixed Asset Turnover		 3.57 3.79 4.40 4.68 4.14 3.61 3.80 4.23 3.90 4.18
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 1,544 1,446 2,121 2,127 2,200 2,475 2,104 2,689 2,463 2,762
Invested Capital Turnover		 0.25 0.29 0.29 0.27 0.27 0.26 0.27 0.28 0.25 0.29
Increase / (Decrease) in Invested Capital		 116 -98 675 6.25 73 275 -371 585 -226 299
Enterprise Value (EV)		 1,548 2,304 2,530 2,746 3,344 1,725 1,823 4,077 3,260 4,044
Market Capitalization		 1,298 2,229 2,265 2,544 3,204 3,000 3,695 3,149 2,686 3,242
Book Value per Share		 $27.75 $27.00 $32.31 $33.48 $35.88 $39.30 $37.80 $28.88 $31.81 $33.54
Tangible Book Value per Share		 $15.97 $16.16 $16.01 $17.71 $19.70 $23.49 $22.98 $12.08 $14.98 $16.39
Total Capital		 1,544 1,446 2,121 2,127 2,200 2,475 2,042 2,689 2,463 2,762
Total Debt		 403 248 486 414 345 371 3.28 1,138 765 999
Total Long-Term Debt		 403 102 125 154 103 87 3.28 791 461 737
Net Debt		 250 75 265 202 140 -1,275 -1,872 928 574 802
Capital Expenditures (CapEx)		 12 12 11 13 5.69 14 13 10 11 15
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 403 248 486 414 345 371 66 1,138 765 999
Total Depreciation and Amortization (D&A)		 17 16 27 34 26 19 7.66 12 34 39
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.21 $2.34 $3.07 $3.28 $3.26 $3.10 $3.51 $3.48 $2.45 $3.44
Adjusted Weighted Average Basic Shares Outstanding		 43.88M 44.54M 50.80M 51.32M 51.91M 53.68M 53.86M 53.77M 53.33M 52.71M
Adjusted Diluted Earnings per Share		 $2.19 $2.32 $3.03 $3.24 $3.23 $3.08 $3.48 $3.46 $2.45 $3.44
Adjusted Weighted Average Diluted Shares Outstanding		 43.88M 44.54M 50.80M 51.32M 51.91M 53.68M 53.86M 53.77M 53.33M 52.71M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 43.88M 44.54M 50.80M 51.32M 51.91M 53.68M 53.86M 53.77M 53.33M 52.71M
Normalized Net Operating Profit after Tax (NOPAT)		 96 105 175 168 176 169 190 192 135 183
Normalized NOPAT Margin		 25.85% 24.44% 33.82% 29.53% 29.84% 28.25% 30.68% 28.23% 20.77% 24.50%
Pre Tax Income Margin		 35.57% 35.99% 30.88% 37.42% 35.49% 34.53% 38.89% 35.37% 25.80% 31.72%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 11.80 13.69 11.61 12.05 7.88 9.87 18.55 10.40 1.62 1.22
NOPAT to Interest Expense		 8.14 9.19 10.94 9.54 6.37 7.89 14.58 8.14 1.27 0.94
EBIT Less CapEx to Interest Expense		 10.70 12.59 10.82 11.33 7.67 9.18 17.54 9.95 1.51 1.14
NOPAT Less CapEx to Interest Expense		 7.04 8.09 10.15 8.82 6.15 7.20 13.57 7.69 1.16 0.86
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 54.01% 53.03% 41.34% 42.39% 47.46% 52.91% 48.00% 49.65% 72.09% 52.49%
Augmented Payout Ratio		 64.01% 56.37% 43.53% 42.57% 47.63% 53.08% 50.69% 58.49% 95.01% 77.71%

Quarterly Metrics and Ratios for Community Bank System

This table displays calculated financial ratios and metrics derived from Community Bank System's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 11.93% 10.18% -22.44% 4.80% -0.15% 0.59% 42.36% 4.87% 7.74% 10.92%
EBITDA Growth		 -15.16% 69.40% -76.62% 30.89% -0.44% -25.02% 324.12% 2.85% 2.38% 42.75%
EBIT Growth		 8.65% 18.92% -88.35% 21.07% -10.27% -34.93% 660.69% 1.01% 1.86% 47.37%
NOPAT Growth		 7.40% 20.58% -87.68% 21.32% -9.37% -35.83% 604.93% -0.78% -0.52% 47.73%
Net Income Growth		 7.40% 20.58% -87.68% 21.32% -9.37% -35.83% 604.93% -0.78% -0.52% 47.73%
EPS Growth		 8.43% 21.25% -87.21% 21.92% -8.89% -35.05% 590.91% 2.25% 1.22% 49.21%
Operating Cash Flow Growth		 -32.07% 44.51% 48.97% -11.70% 47.00% -37.53% 3.26% -4.09% -12.33% 47.05%
Free Cash Flow Firm Growth		 271.43% -228.44% 16.88% -124.31% -141.52% 148.80% -290.36% -467.60% -141.98% -195.66%
Invested Capital Growth		 -18.24% 27.82% -6.65% 6.48% 12.55% -8.42% 16.14% 23.79% 24.13% 12.12%
Revenue Q/Q Growth		 5.03% 0.16% -29.22% 40.75% 0.06% 0.90% 0.18% 3.68% 2.80% 3.89%
EBITDA Q/Q Growth		 22.16% 8.24% -79.20% 375.85% -7.08% -18.49% 17.68% 15.39% -7.50% 13.65%
EBIT Q/Q Growth		 22.89% 7.87% -89.64% 781.59% -8.92% -21.78% 21.12% 17.06% -8.15% 13.17%
NOPAT Q/Q Growth		 22.32% 7.88% -88.96% 732.89% -8.62% -23.62% 21.26% 17.23% -8.38% 13.42%
Net Income Q/Q Growth		 22.32% 7.88% -88.96% 732.89% -8.62% -23.62% 21.26% 17.23% -8.38% 13.42%
EPS Q/Q Growth		 23.29% 7.78% -88.66% 709.09% -7.87% -23.17% 20.63% 19.74% -8.79% 13.25%
Operating Cash Flow Q/Q Growth		 -6.08% 62.20% 8.12% -46.39% 56.35% -31.07% 78.71% -50.20% 42.91% 15.62%
Free Cash Flow Firm Q/Q Growth		 47.98% -209.84% 128.01% -153.38% -152.80% 229.10% -209.26% -59.17% -7.77% 48.96%
Invested Capital Q/Q Growth		 -0.90% 37.47% -25.10% 4.36% 4.75% 11.86% -5.03% 11.24% 5.03% 1.04%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 37.13% 40.12% 11.79% 39.87% 37.02% 29.91% 35.13% 39.10% 35.18% 38.49%
EBIT Margin		 35.52% 38.26% 5.60% 35.07% 31.93% 24.75% 29.92% 33.78% 30.18% 32.88%
Profit (Net Income) Margin		 27.72% 29.86% 4.66% 27.55% 25.16% 19.05% 23.06% 26.07% 23.24% 25.37%
Tax Burden Percent		 78.03% 78.04% 83.15% 78.56% 78.82% 76.96% 77.05% 77.17% 76.98% 77.15%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 21.97% 21.96% 16.85% 21.44% 21.18% 23.04% 22.95% 22.83% 23.02% 22.85%
Return on Invested Capital (ROIC)		 8.45% 8.46% 1.44% 8.81% 7.88% 4.82% 7.47% 7.91% 6.85% 7.25%
ROIC Less NNEP Spread (ROIC-NNEP)		 8.45% 8.46% 1.44% 8.81% 7.88% 4.82% 7.47% 7.91% 6.85% 7.25%
Return on Net Nonoperating Assets (RNNOA)		 1.96% 2.84% 0.28% 2.14% 2.98% 2.82% 2.41% 3.41% 3.27% 3.69%
Return on Equity (ROE)		 10.41% 11.30% 1.72% 10.95% 10.86% 7.64% 9.88% 11.31% 10.11% 10.94%
Cash Return on Invested Capital (CROIC)		 28.31% -16.58% 13.92% 1.34% -4.56% 13.91% -7.26% -14.18% -14.79% -4.44%
Operating Return on Assets (OROA)		 1.52% 1.66% 0.23% 1.49% 1.34% 1.03% 1.36% 1.55% 1.38% 1.54%
Return on Assets (ROA)		 1.19% 1.29% 0.19% 1.17% 1.06% 0.79% 1.04% 1.20% 1.06% 1.19%
Return on Common Equity (ROCE)		 10.41% 11.30% 1.72% 10.95% 10.86% 7.64% 9.88% 11.31% 10.11% 10.94%
Return on Equity Simple (ROE_SIMPLE)		 12.26% 0.00% 8.99% 9.60% 9.69% 0.00% 10.08% 9.98% 9.32% 0.00%
Net Operating Profit after Tax (NOPAT)		 49 53 5.80 48 44 34 41 48 44 50
NOPAT Margin		 27.72% 29.86% 4.66% 27.55% 25.16% 19.05% 23.06% 26.07% 23.24% 25.37%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 53.72% 52.03% 79.13% 55.54% 57.68% 56.87% 57.44% 56.35% 57.62% 55.06%
Operating Expenses to Revenue		 61.59% 60.17% 91.59% 64.50% 66.43% 72.95% 66.61% 64.74% 65.74% 63.96%
Earnings before Interest and Taxes (EBIT)		 62 67 6.97 61 56 44 53 62 57 65
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 65 71 15 70 65 53 62 72 66 76
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 2.07 2.03 1.65 1.50 1.40 1.58 1.53 1.49 1.71 1.84
Price to Tangible Book Value (P/TBV)		 5.49 4.85 3.67 3.38 3.33 3.36 3.37 3.26 3.45 3.76
Price to Revenue (P/Rev)		 4.57 4.64 4.18 3.72 3.34 4.12 3.60 3.49 4.20 4.34
Price to Earnings (P/E)		 16.91 16.74 18.32 15.59 14.44 20.36 15.18 14.95 18.34 17.77
Dividend Yield		 3.07% 2.97% 3.50% 3.91% 4.35% 3.54% 3.77% 3.81% 3.12% 2.95%
Earnings Yield		 5.91% 5.97% 5.46% 6.41% 6.93% 4.91% 6.59% 6.69% 5.45% 5.63%
Enterprise Value to Invested Capital (EV/IC)		 1.68 1.52 1.43 1.28 1.08 1.32 1.23 1.24 1.34 1.46
Enterprise Value to Revenue (EV/Rev)		 4.94 6.00 4.48 4.12 3.64 5.00 4.08 4.52 5.03 5.42
Enterprise Value to EBITDA (EV/EBITDA)		 14.69 16.18 14.13 12.18 10.76 16.10 11.52 12.79 14.41 14.64
Enterprise Value to EBIT (EV/EBIT)		 14.27 16.97 15.37 13.54 12.35 19.38 13.43 14.99 16.92 17.08
Enterprise Value to NOPAT (EV/NOPAT)		 18.30 21.68 19.63 17.28 15.71 24.71 17.24 19.34 21.96 22.16
Enterprise Value to Operating Cash Flow (EV/OCF)		 17.02 19.00 12.00 11.44 9.28 14.27 12.47 14.05 16.51 16.69
Enterprise Value to Free Cash Flow (EV/FCFF)		 5.32 0.00 9.93 98.16 0.00 9.10 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.34 0.73 0.23 0.30 0.42 0.45 0.41 0.56 0.53 0.57
Long-Term Debt to Equity		 0.10 0.51 0.05 0.16 0.20 0.27 0.24 0.43 0.35 0.42
Financial Leverage		 0.23 0.34 0.20 0.24 0.38 0.59 0.32 0.43 0.48 0.51
Leverage Ratio		 8.76 8.74 8.86 9.33 10.27 9.66 9.45 9.43 9.52 9.23
Compound Leverage Factor		 8.76 8.74 8.86 9.33 10.27 9.66 9.45 9.43 9.52 9.23
Debt to Total Capital		 25.32% 42.30% 18.88% 23.06% 29.39% 31.07% 29.17% 35.82% 34.70% 36.17%
Short-Term Debt to Total Capital		 18.03% 12.89% 15.12% 11.11% 15.00% 12.37% 12.28% 8.28% 11.61% 9.47%
Long-Term Debt to Total Capital		 7.29% 29.42% 3.76% 11.95% 14.39% 18.70% 16.89% 27.54% 23.08% 26.70%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 74.68% 57.70% 81.12% 76.94% 70.61% 68.93% 70.83% 64.18% 65.30% 63.83%
Debt to EBITDA		 2.22 4.51 1.87 2.20 2.94 3.78 2.73 3.70 3.74 3.62
Net Debt to EBITDA		 1.11 3.68 0.94 1.19 0.87 2.84 1.38 2.90 2.38 2.90
Long-Term Debt to EBITDA		 0.64 3.14 0.37 1.14 1.44 2.28 1.58 2.84 2.49 2.67
Debt to NOPAT		 2.77 6.05 2.59 3.12 4.29 5.80 4.09 5.59 5.70 5.47
Net Debt to NOPAT		 1.38 4.93 1.30 1.69 1.27 4.35 2.06 4.39 3.62 4.39
Long-Term Debt to NOPAT		 0.80 4.21 0.52 1.62 2.10 3.49 2.37 4.30 3.79 4.04
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 485 -533 149 -80 -201 260 -284 -452 -487 -249
Operating Cash Flow to CapEx		 1,420.05% 2,976.87% 3,176.27% 30,059.42% 1,198.19% 1,430.59% 5,948.85% 712.39% 1,628.24% 1,447.97%
Free Cash Flow to Firm to Interest Expense		 88.51 -45.31 10.05 -3.57 -6.77 7.00 -6.22 -9.50 -9.53 -4.98
Operating Cash Flow to Interest Expense		 8.05 6.09 5.21 1.86 2.18 1.20 1.75 0.84 1.11 1.32
Operating Cash Flow Less CapEx to Interest Expense		 7.48 5.88 5.05 1.85 2.00 1.12 1.72 0.72 1.04 1.23
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.05 0.05 0.05 0.05
Fixed Asset Turnover		 4.11 4.23 4.06 3.98 3.87 3.90 4.28 4.24 4.12 4.18
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 1,956 2,689 2,014 2,102 2,202 2,463 2,339 2,602 2,733 2,762
Invested Capital Turnover		 0.30 0.28 0.31 0.32 0.31 0.25 0.32 0.30 0.29 0.29
Increase / (Decrease) in Invested Capital		 -436 585 -143 128 246 -226 325 500 531 299
Enterprise Value (EV)		 3,277 4,077 2,881 2,683 2,368 3,260 2,879 3,222 3,654 4,044
Market Capitalization		 3,029 3,149 2,691 2,421 2,177 2,686 2,535 2,491 3,051 3,242
Book Value per Share		 $27.19 $28.88 $30.39 $30.10 $29.05 $31.81 $31.07 $31.65 $33.97 $33.54
Tangible Book Value per Share		 $10.27 $12.08 $13.63 $13.32 $12.21 $14.98 $14.11 $14.49 $16.83 $16.39
Total Capital		 1,956 2,689 2,014 2,102 2,202 2,463 2,339 2,602 2,733 2,762
Total Debt		 495 1,138 380 485 647 765 682 932 948 999
Total Long-Term Debt		 143 791 76 251 317 461 395 717 631 737
Net Debt		 248 928 191 262 191 574 344 731 602 802
Capital Expenditures (CapEx)		 3.11 2.40 2.44 0.14 5.41 3.13 1.34 5.59 3.49 4.54
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 495 1,138 380 485 647 765 682 932 948 999
Total Depreciation and Amortization (D&A)		 2.82 3.28 7.71 8.41 8.94 9.13 9.24 9.78 9.45 11
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.90 $0.97 $0.11 $0.90 $0.82 $0.62 $0.77 $0.91 $0.83 $0.93
Adjusted Weighted Average Basic Shares Outstanding		 53.73M 53.77M 53.73M 53.53M 53.39M 53.33M 52.77M 52.54M 52.56M 52.71M
Adjusted Diluted Earnings per Share		 $0.90 $0.97 $0.11 $0.89 $0.82 $0.63 $0.76 $0.91 $0.83 $0.94
Adjusted Weighted Average Diluted Shares Outstanding		 53.73M 53.77M 53.73M 53.53M 53.39M 53.33M 52.77M 52.54M 52.56M 52.71M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 53.73M 53.77M 53.73M 53.53M 53.39M 53.33M 52.77M 52.54M 52.56M 52.71M
Normalized Net Operating Profit after Tax (NOPAT)		 49 52 5.85 49 44 36 41 48 44 50
Normalized NOPAT Margin		 27.90% 29.70% 4.69% 28.00% 25.20% 20.51% 23.07% 26.11% 23.20% 25.53%
Pre Tax Income Margin		 35.52% 38.26% 5.60% 35.07% 31.93% 24.75% 29.92% 33.78% 30.18% 32.88%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 11.38 5.72 0.47 2.75 1.88 1.18 1.16 1.30 1.11 1.29
NOPAT to Interest Expense		 8.88 4.47 0.39 2.16 1.48 0.91 0.90 1.01 0.86 1.00
EBIT Less CapEx to Interest Expense		 10.82 5.52 0.31 2.74 1.70 1.10 1.13 1.19 1.05 1.20
NOPAT Less CapEx to Interest Expense		 8.32 4.26 0.23 2.16 1.30 0.82 0.87 0.89 0.79 0.91
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 51.87% 49.65% 63.93% 60.77% 62.86% 72.09% 57.14% 57.33% 57.49% 52.49%
Augmented Payout Ratio		 63.86% 58.49% 80.26% 74.16% 80.04% 95.01% 89.35% 90.63% 87.77% 77.71%

Frequently Asked Questions About Community Bank System's Financials

When does Community Bank System's fiscal year end?

According to the most recent income statement we have on file, Community Bank System's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Community Bank System's net income changed over the last 9 years?

Community Bank System's net income appears to be on an upward trend, with a most recent value of $182.48 million in 2024, rising from $91.23 million in 2015. The previous period was $131.92 million in 2023.

How has Community Bank System revenue changed over the last 9 years?

Over the last 9 years, Community Bank System's total revenue changed from $371.72 million in 2015 to $746.30 million in 2024, a change of 100.8%.

How much debt does Community Bank System have?

Community Bank System's total liabilities were at $14.62 billion at the end of 2024, a 5.5% increase from 2023, and a 97.3% increase since 2015.

How much cash does Community Bank System have?

In the past 9 years, Community Bank System's cash and equivalents has ranged from $153.21 million in 2015 to $1.88 billion in 2021, and is currently $197.00 million as of their latest financial filing in 2024.

How has Community Bank System's book value per share changed over the last 9 years?

Over the last 9 years, Community Bank System's book value per share changed from 27.75 in 2015 to 33.54 in 2024, a change of 20.8%.


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This page (NYSE:CBU) was last updated on 4/17/2025 by MarketBeat.com Staff
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