Community Bank System, Inc. cash flow to debt ratio of 40.43% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.

Community Bank System, Inc.'s free cash flow has increased 5.31% from $221.57M last year to $233.33M, signaling increasing performance

Community Bank System, Inc.'s debt to equity ratio is 0.37, which means that the company's assets are healthy financed, signaling financial stability.

Community Bank System, Inc.'s debt has decreased relative to shareholder equity from 0.57 last year to 0.37 today, signaling strengthened financials

Community Bank System, Inc. has a net debt to EBITDA ratio of 1.46x, which is below the 3.00x threshold, indicating healthy leverage and financial stability

Community Bank System, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Community Bank System, Inc.'s profit margin has increased (12.31%) in the last year from 19.40% to 21.79%, signaling increasing performance

Community Bank System, Inc.'s short-term assets of $359.49M exceed its short-term liabilities of $241.97M

Community Bank System, Inc.'s return on assets of 1.28% is lower than the 5.00% threshold, indicating inefficient asset utilization

Community Bank System, Inc.'s return on equity of 11.34%, is lower than 15.00%, indicating bad performance

Community Bank System, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Community Bank System, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Community Bank System, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Community Bank System, Inc. has a free cash flow yield of 6.93%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Community Bank System, Inc.'s yearly earnings has increased 15.33% since last year from $182.48M to $210.46M, signaling increasing performance

Community Bank System, Inc.'s yearly revenue has decreased 1.28% since last year from $940.71M to $928.71M, signaling decreasing performance

ROIC 1.28% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Community Bank System, Inc.'s 3-year revenue CAGR of 12.91% is positive, indicating growing revenue over the past 3 years

Community Bank System, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

Community Bank System, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Community Bank System, Inc. is overvalued relative to its fair value price of 61.70 based on Discounted Cash Flow model

Community Bank System, Inc. has an earnings yield of 6.74%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Community Bank System, Inc. is overvalued relative to its fair value price of 33.69 based on EBITDA multiple model

Community Bank System, Inc. has an EV/EBITDA ratio of 12.47x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Community Bank System, Inc. is undervalued relative to its fair value price of 99.97 based on Earnings Fair Value model

Community Bank System, Inc. has a PEG-ratio over 1 which is considered overvalued

Community Bank System, Inc. has a price-to-book ratio of 1.63x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Community Bank System, Inc. has a price-to-sales ratio of 3.23x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue