¿Cómo se compara el ratio PE de CBU con empresas similares?

CBU es cara según su ratio Price-To-Earnings (21.9x) en comparación con la media de empresas similares (15.6x).

¿Cómo se compara el ratio PE de CBU con el de otras empresas de la industria US Banks ?

CBU es cara en función de su ratio Price-To-Earnings (21.9x) en comparación con la media de la industria US Banks (12.6x).

¿Cuál es el ratio PE de CBU comparado con su ratio PE justo? Este es el ratio PE esperado teniendo en cuenta las estimaciones de crecimiento de ingresos de la empresa, los márgenes de beneficios y otros factores de riesgo.

CBU es cara según su ratio Price-To-Earnings (21.9x) comparado con el ratio justo estimado Price-To-Earnings (16.2x).

¿Cuál es el precio justo de CBU si consideramos sus flujos de caja futuros? Para esta estimación utilizamos un modelo de flujo de caja descontado.

CBU ($69.17) cotiza por debajo de nuestra estimación de [[valor justo]] ($125.89)

¿Cuál es la estimación de los analistas a 12 meses y, existe una confianza estadística en el precio objetivo de consenso?

El precio objetivo es inferior al precio actual de la acción.

Community Financial System (NYSE:CBU) - Cotización, noticias y análisis

Resumen de acción CBU

Community Financial System, Inc. opera como holding bancario de Community Bank, N.A.

Acerca de la empresa

Análisis fundamental de CBU
Puntuación del snowflake
Valoración	2/6
Crecimiento futuro	3/6
Rendimiento pasado	4/6
Salud financiera	6/6
Dividendos	5/6

Recompensas

Cotiza un 45.1% por debajo de nuestra estimación de su valor justo

Se prevé un crecimiento anual de los beneficios de 16.27%

Los beneficios aumentaron un 10.4% el pasado año

Paga dividendo fiable de 2.66%

Análisis de riesgos

No se han detectado riesgos en CBU a partir de nuestros controles de riesgos.

Community Narratives

Create a narrative

Narratives bring a range of perspectives from our community.

WarrenAI

Based on Analyst Price Targets

Tactical Expansion And Banking Synergy Propel Financial Growth And Opportunity

Key Takeaways Strategic branch expansion and Analysts are assu The analysts have a consensus price target of $65.2 for Community Financial System based on their expectations of its future earnings growth, profit margins and other risk factors. In order for you to agree with the analyst's consensus, you'd need to believe that by 2027, revenues will be $954.7 million, earnings will come to $270.4 million, and it would be trading on a PE ratio of 14.8x, assuming you use a discount rate of 5.8%.

View narrative

US$65.20

6.1% overvalued

10.56%

Revenue growth p.a.

2 days ago

Competidores de Community Financial System, Inc.

First Hawaiian

NasdaqGS:FHB

US$3.5b

Cathay General Bancorp

NasdaqGS:CATY

US$3.6b

United Community Banks

NYSE:UCB

US$3.7b

Fulton Financial

NasdaqGS:FULT

US$3.7b

Historial de precios y rendimiento

Resumen de todos los máximos históricos, cambios y caídas de precios de Community Financial System
Precios históricos de las acciones
Precio actual de la acción	US$69.17
Máximo en las últimas 52 semanas	US$71.49
Mínimo de 52 semanas	US$40.74
Beta	0.64
1Cambio en 1 mes	19.59%
Variación en 3 meses	20.51%
Cambio de 1 año	67.68%
3Variación en 3 años	-6.75%
Variación en 5 años	2.28%
Variación desde la OPV	1,283.40%

Noticias y actualizaciones recientes

Community Financial System: Earnings Outlook Is Positive, But Stock Appears Fairly Valued (Rating Downgrade)

Nov 03

Recent updates

Community Financial System: Earnings Outlook Is Positive, But Stock Appears Fairly Valued (Rating Downgrade)

Nov 03

Community Financial System: A Solid Dividend Aristocrat, But Still Too Expensive

Aug 11

Community Financial System's (NYSE:CBU) Dividend Will Be Increased To $0.46

Jul 22

Community Bank System: The Cost Of Total Deposits Remains Incredibly Low

Jan 28

The Community Bank System, Inc. (NYSE:CBU) Yearly Results Are Out And Analysts Have Published New Forecasts

Jan 26

Community Bank: Upgrading To Buy But Keeping Earnings Estimate Largely Unchanged

Sep 15

Community Bank System Enjoys A Bright Top Line Outlook But Appears Fairly Valued

Nov 14

Community Bank System Non-GAAP EPS of $0.94 beats by $0.02, revenue of $175.37M beats by $2.01M

Oct 24

Community Bank System's (NYSE:CBU) Shareholders Will Receive A Bigger Dividend Than Last Year

Sep 11

Community Bank's Earnings Will Likely Grow Next Year But Stock Appears Overvalued

Jul 30

Community Bank System's (NYSE:CBU) Dividend Will Be Increased To $0.44

Jul 24

Community Bank System raises quarterly dividend by 2.3%

Jul 20

Rentabilidad de los accionistas

	CBU	US Banks	Mercado US
7D	12.9%	7.1%	5.1%
1Y	67.7%	61.2%	37.7%

Rentabilidad vs. Industria: CBU superó a la industria US Banks, que obtuvo un rendimiento del 61.2% el año pasado.

Rentabilidad vs. Mercado: CBU superó al mercado US, que obtuvo un rendimiento del 37.7% el año pasado.

Volatilidad de los precios

Is CBU's price volatile compared to industry and market?
CBU volatility
CBU Average Weekly Movement	5.8%
Banks Industry Average Movement	5.2%
Market Average Movement	6.2%
10% most volatile stocks in US Market	15.1%
10% least volatile stocks in US Market	2.9%

Precio estable de las acciones: CBU no ha tenido una volatilidad de precios significativa en los últimos 3 meses.

Volatilidad a lo largo del tiempo: La volatilidad semanal de CBU (6%) se ha mantenido estable durante el año pasado.

Acerca de la empresa

Fundada	Empleados	CEO	Página web
1866	2,768	Dimitar Karaivanov	communityfinancialsystem.com

Community Financial System, Inc. es el holding bancario de Community Bank, N.A., que presta diversos servicios bancarios y otros servicios financieros a clientes minoristas, comerciales, institucionales y municipales. Opera a través de tres segmentos: Banca, Servicios de prestaciones para empleados y Todos los demás. La empresa ofrece varios productos de depósito, como cuentas corrientes remuneradas y no remuneradas, cuentas de ahorro y del mercado monetario, así como depósitos a plazo.

Resumen de fundamentos de Community Financial System, Inc.

¿Cómo se comparan los beneficios e ingresos de Community Financial System con su capitalización de mercado?
Estadísticas fundamentales de CBU
Capitalización bursátil	US$3.55b
Beneficios(TTM)	US$165.95m
Ingresos (TTM)	US$706.34m

21.9x

Ratio precio-beneficio (PE)

2.0x

Precio/valor contable

¿Está CBU sobrevalorada?

Ver valor justo y análisis de valoración

Beneficios e Ingresos

Estadísticas clave de rentabilidad del último informe de resultados (TTM)
Cuenta de resultados (TTM) de CBU
Ingresos	US$706.34m
Coste de los ingresos	US$0
Beneficio bruto	US$706.34m
Otros gastos	US$540.39m
Beneficios	US$165.95m

Últimos beneficios comunicados

Sep 30, 2024

Próxima fecha de beneficios

n/a

Beneficios por acción (BPA)	3.16
Margen bruto	100.00%
Margen de beneficio neto	23.49%
Ratio deuda/patrimonio	53.1%

¿Cómo se ha desempeñado CBU a largo plazo?

Ver rendimiento histórico y comparativa

Dividendos

2.7%

Rentabilidad actual por dividendo

58%

Ratio de pagos

¿Paga CBU dividendos fiables?

Ver historial de dividendos e índices de referencia de CBU

¿Cuándo hay que comprar CBU para recibir un próximo dividendo?
fechas de dividendos de Community Financial System
Fecha ex dividendo	Dec 13 2024
Fecha de pago de dividendos	Jan 10 2025
Días hasta ex dividendo	34 days
Días hasta la fecha de pago de dividendos	62 days

¿Paga CBU dividendos fiables?

Ver historial de dividendos e índices de referencia de CBU

Resumen de acción CBU

Recompensas

Análisis de riesgos

Tactical Expansion And Banking Synergy Propel Financial Growth And Opportunity

Competidores de Community Financial System, Inc.

NasdaqGS:FHB

US$3.5b

NasdaqGS:CATY

US$3.6b

NYSE:UCB

US$3.7b

NasdaqGS:FULT

US$3.7b

Historial de precios y rendimiento

Noticias y actualizaciones recientes

Community Financial System: Earnings Outlook Is Positive, But Stock Appears Fairly Valued (Rating Downgrade)

Price target increased by 7.5% to US$64.75

Third quarter 2024 earnings: Revenues exceed analysts expectations while EPS lags behind

Second quarter dividend of US$0.46 announced

Community Financial System, Inc. Announces Quarterly Dividend on Common Stock, Payable on January 10, 2025

Community Financial System, Inc. Appoints Savneet Singh as Independent Director, Effective October 1, 2024

Recent updates

Community Financial System: Earnings Outlook Is Positive, But Stock Appears Fairly Valued (Rating Downgrade)

Price target increased by 7.5% to US$64.75

Third quarter 2024 earnings: Revenues exceed analysts expectations while EPS lags behind

Second quarter dividend of US$0.46 announced

Community Financial System, Inc. Announces Quarterly Dividend on Common Stock, Payable on January 10, 2025

Community Financial System, Inc. Appoints Savneet Singh as Independent Director, Effective October 1, 2024

Community Financial System, Inc. to Report Q3, 2024 Results on Oct 22, 2024

Upcoming dividend of US$0.46 per share

Community Financial System: A Solid Dividend Aristocrat, But Still Too Expensive

Now 22% undervalued

Price target increased by 8.2% to US$56.75

Community Financial System's (NYSE:CBU) Dividend Will Be Increased To $0.46

First quarter dividend increased to US$0.46

Community Financial System, Inc. Announces Quarterly Dividend, Payable on October 10, 2024

Investor sentiment improves as stock rises 18%

Community Financial System, Inc. to Report Q2, 2024 Results on Jul 23, 2024

Upcoming dividend of US$0.45 per share

First quarter dividend of US$0.45 announced

Community Bank System, Inc. Declares Quarterly Dividend, Payable on July 10, 2024

First quarter 2024 earnings: EPS misses analyst expectations

Community Bank System, Inc., Annual General Meeting, May 15, 2024

Community Bank System, Inc. to Report Q1, 2024 Results on Apr 23, 2024

Upcoming dividend of US$0.45 per share

Full year 2023 earnings: EPS misses analyst expectations

Fourth quarter dividend of US$0.45 announced

Community Bank System, Inc. Announces Quarterly Dividend, Payable on April 10, 2024

Community Bank Appoints Dan Kennell as New Commercial Banking Officer

Community Bank System: The Cost Of Total Deposits Remains Incredibly Low

The Community Bank System, Inc. (NYSE:CBU) Yearly Results Are Out And Analysts Have Published New Forecasts

Full year 2023 earnings: EPS misses analyst expectations

Community Bank System, Inc. Reports Net Charge-Offs for the Fourth Quarter 2023

Community Bank System, Inc. Elects Michele Sullivan as Independent Director, Effective as of February 1, 2024

Price target increased by 8.4% to US$52.43

Community Bank Names Jeff Levy as New Chief Banking Officer

Now 21% undervalued

Price target increased by 9.4% to US$48.36

Community Bank System, Inc. to Report Fiscal Year 2023 Results on Jan 23, 2024

Upcoming dividend of US$0.45 per share at 3.8% yield

Insufficient new directors

Community Bank System, Inc. Announces its Quarterly Dividend, Payable on January 10, 2024

Third quarter 2023 earnings: EPS misses analyst expectations

Community Bank System, Inc. Reports Net Charge-Offs for the Third Quarter 2023

Community Bank System, Inc. to Report Q3, 2023 Results on Oct 24, 2023

Price target increased by 7.3% to US$56.86

Community Bank: Upgrading To Buy But Keeping Earnings Estimate Largely Unchanged

Community Bank System's (NYSE:CBU) Dividend Will Be Increased To $0.45

Upcoming dividend of US$0.45 per share at 4.0% yield

Community Bank System (NYSE:CBU) Is Increasing Its Dividend To $0.45

Community Bank System, Inc. Reports Unaudited Net Charge-Offs Results for the Second Quarter Ended June 30, 2023

Second quarter 2023 earnings: EPS exceeds analyst expectations

Community Bank System, Inc. Announces Increase to Its Quarterly Dividend, Payable on October 10, 2023

Now 21% undervalued after recent price drop

Community Bank System, Inc. and Community Bank, National Association Announces Executive Changes

Community Bank System, Inc. to Report Q2, 2023 Results on Jul 31, 2023

Upcoming dividend of US$0.44 per share at 3.3% yield

Now 20% undervalued after recent price drop

Community Bank System, Inc. Declares Quarterly Cash Dividend, Payable on July 10, 2023

Now 20% undervalued after recent price drop