Community Financial System Balance Sheet Health
Financial Health criteria checks 6/6
Community Financial System has total assets of $16.4B and total equity of $1.8B. Total deposits are $13.5B, and total loans are $10.2B. It earns a Net Interest Margin of 3.1%. It has sufficient allowance for bad loans, which are currently at 0.6% of total loans. Cash and short-term investments are $351.5M.
Key information
9.2x
Asset to equity ratio
3.1%
Net interest margin
| Total deposits | US$13.48b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.6% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$351.46m |
Recent financial health updates
No updates
Recent updates
Community Financial System: Earnings Outlook Is Positive, But Stock Appears Fairly Valued (Rating Downgrade)
Nov 03Community Financial System: A Solid Dividend Aristocrat, But Still Too Expensive
Aug 11Community 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 28The Community Bank System, Inc. (NYSE:CBU) Yearly Results Are Out And Analysts Have Published New Forecasts
Jan 26Community Bank: Upgrading To Buy But Keeping Earnings Estimate Largely Unchanged
Sep 15Community Bank System's (NYSE:CBU) Dividend Will Be Increased To $0.45
Sep 07Community Bank System (NYSE:CBU) Is Increasing Its Dividend To $0.45
Aug 01Community Bank System declares $0.44 dividend
Feb 15Community Bank System Q4 2022 Earnings Preview
Jan 23Community Bank System Enjoys A Bright Top Line Outlook But Appears Fairly Valued
Nov 14Community Bank System Non-GAAP EPS of $0.94 beats by $0.02, revenue of $175.37M beats by $2.01M
Oct 24Community Bank System's (NYSE:CBU) Shareholders Will Receive A Bigger Dividend Than Last Year
Sep 11Community Bank's Earnings Will Likely Grow Next Year But Stock Appears Overvalued
Jul 30Community Bank System's (NYSE:CBU) Dividend Will Be Increased To $0.44
Jul 24Community Bank System raises quarterly dividend by 2.3%
Jul 20Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: CBU's Assets to Equity ratio (9.2x) is low.
Allowance for Bad Loans: CBU has a sufficient allowance for bad loans (121%).
Low Risk Liabilities: 92% 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 (76%) is appropriate.
Level of Bad Loans: CBU has an appropriate level of bad loans (0.6%).