Key Ratio
USD
56.51
- (-0.6%)
NYSE:CBU, COMMUNITY BANK SYSTEM, INC.
Industry: Banks - Regional
End of Day: 9 May 2025 GMT-4
Income Statement Ratios
Fiscal
Net Interest Income Margin
20.90%
Net Profit Margin (Adj.)
21.50%
Return on Assets
0.900%
Fiscal (USD)
Period End Date
Financials
Net Interest Income
Total Revenue
Earnings Before Tax (EBT)
Net Income To Shareholders
Net Income (Adj. For One-Off)
Ratios
Net Interest Income Margin
EBT (Adj.) Margin
Net Profit Margin (Adj.)
Net Interest Margin
Return on Assets
Per Share
Net Interest Income / Share
Revenue / Share
EBT (Adj.) / Share
Diluted EPS
Diluted EPS (Adj.)
FY23
31 Dec 2023
LTM23 Q4
PR
31 Dec 2023
437
437
651
651
174
174
136
136
108
108
20.9%
20.9%
26.7%
26.7%
21.5%
21.5%
-
-
0.9%
0.9%
8.2
8.2
12.2
12.2
3.3
3.3
2.5
2.5
2.0
2.0
In Millions except per share items.
Balance Sheet Ratios
Fiscal
NPA / Total Assets %
-
Tier 1 Capital Ratio
-
Total Debt to Asset
0.030x
Fiscal (USD)
Period End Date
Financials
Cash And Equivalents
Net Loans
Total Assets
Total Deposits
Total Liabilities
Total Equity
Total Debt
Net Tangible Asset (NTA)
Ratios
Net Loan To Deposits Ratio (LDR)
NPL / Total Loans %
NPL / Total Assets %
NPA / Total Assets %
Tier 1 Capital Ratio
Leverage Ratio
Total Debt to Asset
Total Debt to Equity
Net Debt (Cash) To Asset
Net Debt (Cash) To NTA
Per Share
Total Asset / Share
Book Value / Share
Tangible Book Value / Share
Total Debt / Share
Cash / Share
Net Debt (Cash) / Share
FY23
31 Dec 2023
LTM23 Q4
PR
31 Dec 2023
190
190
9,637
9,637
15,554
15,554
12,928
12,928
13,852
13,852
1,551
1,554
460
460
804
804
74.6%
74.6%
-
-
-
-
-
-
-
-
-
-
0.03x
0.03x
0.3x
0.3x
1.7%
1.7%
0.3x
0.3x
291
291
31.9
31.9
15.1
15.1
8.6
8.6
-
-
5.1
5.1
In Millions except per share items.
Cash Flow Ratios
No data
Fiscal (USD, MM)
Cash From Operations
-
Free Cash Flow (FCF)
-
Dividend Payout Ratio
-
Fiscal (USD)
Period End Date
Financials
CFO bef. W.C. Changes
Cash From Operations
Capital Expenditures
Net (Increase) Decrease in Loans Orig./Sold
Invest. In Marketable & Equity Security
Cash from Investing
Cash From Financing
Free Cash Flow (FCF)
Ratios
FCF Margin
Dividend Payout Ratio
Per Share
CFO / Share
FCF / Share
Dividend / Share
Special Dividend / Share
FY23
31 Dec 2023
LTM23 Q4
PR
31 Dec 2023
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
1.8
1.8
-
-
In Millions except per share items.
Valuation Ratios
Fiscal
Price / Sales
4.30x
Price / Earnings (Adj.)
20.00x
Price / Tangible Book
3.50x
Fiscal (USD)
Period End Date
Dividend Yield
Special Dividend Yield
Price / Sales
Price / Earnings (Adj.)
Price / Book
Price / Tangible Book
FY23
31 Dec 2023
LTM23 Q4
PR
31 Dec 2023
3.5%
3.5%
-
-
4.3x
4.3x
20.0x
20.0x
1.8x
1.8x
3.5x
3.5x
Other Ratios
Fiscal (USD)
Period End Date
Interest Income Growth
Year-On-Year
3 Year CAGR
5 Year CAGR
10 Year CAGR
Revenue Growth
Year-On-Year
3 Year CAGR
5 Year CAGR
10 Year CAGR
EBT Growth
Year-On-Year
3 Year CAGR
5 Year CAGR
10 Year CAGR
Income (Adj.) Growth
Year-On-Year
3 Year CAGR
5 Year CAGR
10 Year CAGR
Diluted EPS (Adj.) Growth
Year-On-Year
3 Year CAGR
5 Year CAGR
10 Year CAGR
Dividend Yield Growth
Year-On-Year
3 Year CAGR
5 Year CAGR
10 Year CAGR
Dividend Per Share Growth
Year-On-Year
3 Year CAGR
5 Year CAGR
10 Year CAGR
Gross Loan Growth
Year-On-Year
3 Year CAGR
5 Year CAGR
10 Year CAGR
Total Deposit Growth
Year-On-Year
3 Year CAGR
5 Year CAGR
10 Year CAGR
FY23
31 Dec 2023
LTM23 Q4
PR
31 Dec 2023
-
-
5.9%
5.9%
4.9%
4.9%
6.3%
6.3%
-4.0%
-
3.0%
-
-
-
-
-
-
-
-5.5%
-5.5%
-4.0%
-4.0%
4.6%
4.6%
-
-
-5.5%
-5.5%
-4.0%
-4.0%
4.6%
4.6%
-
-
-5.8%
-5.8%
-4.8%
-4.8%
1.6%
1.6%
-
-
-
-
-
-
-
-
-
-
2.4%
2.4%
4.3%
4.3%
4.9%
4.9%
-
-
9.4%
9.4%
9.1%
9.1%
9.0%
9.0%
-
-
4.8%
4.8%
9.2%
9.2%
8.2%
7.9%
Fiscal (USD)
Period End Date
Market Capitalization
Shares Outstanding
Net Tangible Asset (NTA)
FY23
31 Dec 2023
LTM23 Q4
PR
31 Dec 2023
2.7819b
2.7819b
53.3856m
53.3856m
804.532m
804.532m
- Figures shown are in its reported currency unless stated otherwise.
- Net Income and its respective ratios are normalised for one-off items unless stated otherwise.
- PR = Press Release
- FYC = Financial Year Change
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1557 Keppel Road, #01-01
Singapore 089066
Singapore 089066
