Community Financial System, Inc.

NYSE:CBU Stock Report

Market Cap: US$3.1b

Community Financial System Balance Sheet Health

Financial Health criteria checks 6/6

Community Financial System has total assets of $15.9B and total equity of $1.7B. Total deposits are $13.4B, and total loans are $9.8B. It earns a Net Interest Margin of 3.1%. It has sufficient allowance for bad loans, which are currently at 0.5% of total loans. Cash and short-term investments are $338.4M.

Key information

9.6x

Asset to equity ratio

3.1%

Net interest margin

Total deposits

US$13.35b

Loan to deposit ratio

Appropriate

Bad loans

0.5%

Allowance for bad loans

Sufficient

Current ratio

Low

Cash & equivalents

US$338.42m

Recent financial health updates

No updates

Recent updates

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

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

Sep 15

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

Sep 07
Community Bank System's (NYSE:CBU) Dividend Will Be Increased To $0.45

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

Aug 01
Community Bank System (NYSE:CBU) Is Increasing Its Dividend To $0.45

Community Bank System declares $0.44 dividend

Feb 15

Community Bank System Q4 2022 Earnings Preview

Jan 23

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

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

Community Bank System raises quarterly dividend by 2.3%

Jul 20

Should You Be Adding Community Bank System (NYSE:CBU) To Your Watchlist Today?

Feb 09
Should You Be Adding Community Bank System (NYSE:CBU) To Your Watchlist Today?

Community Bank System (NYSE:CBU) Is Increasing Its Dividend To US$0.43

Nov 23
Community Bank System (NYSE:CBU) Is Increasing Its Dividend To US$0.43

Community Bank System (NYSE:CBU) Is Increasing Its Dividend To US$0.43

Sep 03
Community Bank System (NYSE:CBU) Is Increasing Its Dividend To US$0.43

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: CBU's Assets to Equity ratio (9.6x) is low.

Allowance for Bad Loans: CBU has a sufficient allowance for bad loans (142%).

Low Risk Liabilities: 94% of CBU's liabilities are made up of primarily low risk sources of funding.

Loan Level: CBU has an appropriate level of Loans to Assets ratio (62%).

Low Risk Deposits: CBU's Loans to Deposits ratio (73%) is appropriate.

Level of Bad Loans: CBU has an appropriate level of bad loans (0.5%).


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