Community Financial System, Inc.

DB:CBY Stock Report

Market Cap: €3.2b

Community Financial System Past Earnings Performance

Past criteria checks 3/6

Community Financial System's earnings have been declining at an average annual rate of -1.5%, while the Banks industry saw earnings growing at 18% annually. Revenues have been growing at an average rate of 3.9% per year. Community Financial System's return on equity is 9.3%, and it has net margins of 23.5%.

Key information

-1.5%

Earnings growth rate

-2.1%

EPS growth rate

Banks Industry Growth10.6%
Revenue growth rate3.9%
Return on equity9.3%
Net Margin23.5%
Next Earnings Update21 Jan 2025

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Community Financial System makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

DB:CBY Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 247061664300
30 Jun 246981664230
31 Mar 246911664160
31 Dec 236411314140
30 Sep 236411504050
30 Jun 236391553970
31 Mar 236261463930
31 Dec 226651883810
30 Sep 226491793760
30 Jun 226361753700
31 Mar 226311833600
31 Dec 216291893550
30 Sep 216251923500
30 Jun 216181903430
31 Mar 215971773370
31 Dec 205821643360
30 Sep 205761613330
30 Jun 205721573300
31 Mar 205841673300
31 Dec 195811693230
30 Sep 195731663170
30 Jun 195671703110
31 Mar 195601703090
31 Dec 185591683060
30 Sep 185541993050
30 Jun 185491913000
31 Mar 185361642920
31 Dec 175071502820
30 Sep 174791052650
30 Jun 17450962530
31 Mar 174271052440
31 Dec 164211032370
30 Sep 16410972350
30 Jun 16395952250
31 Mar 16381932160
31 Dec 15365912050
30 Sep 15360942020
30 Jun 15358912020
31 Mar 15357912010
31 Dec 14356912010
30 Sep 14370831990
30 Jun 14365831980
31 Mar 14376801970
31 Dec 13420781960

Quality Earnings: CBY has high quality earnings.

Growing Profit Margin: CBY's current net profit margins (23.5%) are higher than last year (23.4%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: CBY's earnings have declined by 1.5% per year over the past 5 years.

Accelerating Growth: CBY's earnings growth over the past year (10.3%) exceeds its 5-year average (-1.5% per year).

Earnings vs Industry: CBY earnings growth over the past year (10.3%) did not outperform the Banks industry 12.6%.

Return on Equity

High ROE: CBY's Return on Equity (9.3%) is considered low.

Return on Assets

Return on Capital Employed

Discover strong past performing companies

7D

1Y

7D

1Y

7D

1Y

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/27 11:08
End of Day Share Price 2024/12/27 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Community Financial System, Inc. is covered by 17 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Erik ZwickBoenning & Scattergood, Inc.
Manuel NavasD.A. Davidson & Co.
Russell Elliott GuntherD.A. Davidson & Co.