Definitive Analysis
Definitive Analysis

Financial Statements

Fundamentals

Valuations

Miscellaneous

Analysis Mode

Search

Community Bank System, Inc. (CBU)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$91.09 - $241.64$139.29
Multi-Stage$63.99 - $69.82$66.86
Blended Fair Value$103.07
Current Price$58.64
Upside75.77%
DecisionBuy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS3.60%7.57%1.811.791.761.721.641.511.351.181.040.93
YoY Growth--0.71%1.84%2.57%4.50%8.59%12.23%14.75%13.18%11.72%6.70%
Dividend Yield--3.18%3.80%3.36%2.45%2.14%2.57%2.20%2.19%1.89%2.43%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)205.83
(-) Cash Dividends Paid (M)96.43
(=) Cash Retained (M)109.40
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)41.1725.7315.44
Cash Retained (M)109.40109.40109.40
(-) Cash Required (M)-41.17-25.73-15.44
(=) Excess Retained (M)68.2383.6793.96
(/) Shares Outstanding (M)53.0053.0053.00
(=) Excess Retained per Share1.291.581.77
LTM Dividend per Share1.821.821.82
(+) Excess Retained per Share1.291.581.77
(=) Adjusted Dividend3.113.403.59
WACC / Discount Rate9.10%9.10%9.10%
Growth Rate5.50%6.50%7.50%
Fair Value$91.09$139.29$241.64
Upside / Downside55.34%137.53%312.08%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)205.83219.20233.45248.63264.79282.00290.46
Payout Ratio46.85%55.48%64.11%72.74%81.37%90.00%92.50%
Projected Dividends (M)96.43121.61149.66180.85215.46253.80268.67

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate9.10%9.10%9.10%
Growth Rate5.50%6.50%7.50%
Year 1 PV (M)110.42111.47112.52
Year 2 PV (M)123.39125.74128.12
Year 3 PV (M)135.39139.27143.23
Year 4 PV (M)146.46152.09157.88
Year 5 PV (M)156.65164.21172.07
PV of Terminal Value (M)2,719.382,850.732,987.10
Equity Value (M)3,391.693,543.523,700.92
Shares Outstanding (M)53.0053.0053.00
Fair Value$63.99$66.86$69.82
Upside / Downside9.12%14.01%19.07%

High-Yield Dividend Screener

« Prev Page 26 of 151 Next »
Ticker Company Dividend Yield % Dividend Per Share Payout Ratio %
600036.SSChina Merchants Bank Co., Ltd.5.46%$2.3039.04%
7296.TF.C.C. Co., Ltd.5.46%$202.4061.47%
BPF-UN.TOBoston Pizza Royalties Income Fund5.46%$1.2581.66%
SONDA.SNSonda S.A.5.46%$18.7857.64%
0062.HKTransport International Holdings Limited5.45%$0.5845.75%
AGN.ASAegon N.V.5.45%$0.3645.01%
CGCBV.HECargotec Corporation5.45%$2.1313.30%
LEVE3.SAMAHLE Metal Leve S.A.5.45%$1.8342.42%
RATCH-R.BKRatch Group Public Company Limited5.45%$1.6162.39%
071320.KSKorea District Heating Corp.5.44%$5,144.2919.59%
3051.TWOptimax Technology Corporation5.44%$1.0172.99%
LSIP.JKPT Perusahaan Perkebunan London Sumatra Indonesia Tbk5.44%$64.9923.07%
4580.TWOValue Valves Co., Ltd.5.43%$4.4379.29%
BNBR3.SABanco do Nordeste do Brasil S.A.5.43%$5.9820.89%
1866.HKChina XLX Fertiliser Ltd.5.42%$0.5022.65%
4207.TWOTaiwan Fructose Co., Ltd.5.42%$1.0061.33%
8955.TJapan Prime Realty Investment Corporation5.42%$5,726.8966.85%
8TRA.DETraton SE5.42%$1.7047.75%
AMATA.BKAmata Corporation Public Company Limited5.42%$0.9033.06%
CRECCrescera Capital Acquisition Corp.5.42%$0.5940.15%
9907.TWTon Yi Industrial Corp.5.41%$0.9770.39%
004970.KSSilla Co.,Ltd5.40%$499.3456.25%
JDE.DEJDE Peet's N.V.5.40%$1.7274.35%
0QU6.LHIAG Immobilien Holding AG5.39%$6.3944.68%
3022.TWIEI Integration Corp.5.39%$3.5169.75%
4105.TWOTTY Biopharm Company Limited5.39%$4.3568.65%
BNORDIK-CSE.COP/F BankNordik5.39%$8.3624.49%
003550.KSLG Corp.5.38%$4,358.8394.91%
2414.TWUnitech Computer Co., Ltd.5.38%$2.1971.08%
9627.SRTwareat Medical Care Co.5.38%$0.6671.63%
AMARC.BKAsia Medical and Agricultural Laboratory and Research Center Public Company Limited5.38%$0.1438.50%
MDNE3.SAMoura Dubeux Engenharia S.A.5.38%$1.2429.60%
001286.SZShaanxi Energy Investment5.37%$0.5064.09%
82020.HKANTA Sports-r5.37%$3.8940.14%
CCN.PACaisse Régionale de Crédit Agricole Mutuel de Normandie-Seine Société coopérative5.37%$7.0126.05%
ENGH.TOEnghouse Systems Limited5.37%$1.0879.39%
G07.SIGreat Eastern Holdings Limited5.37%$0.8240.54%
GEMA.JKPT Gema Grahasarana Tbk5.37%$5.1529.14%
HNK1.DEHeineken N.V.5.37%$3.7183.13%
SELER.PASelectirente5.37%$4.4033.09%
600750.SSJiang Zhong Pharmaceutical Co.,Ltd5.36%$1.2493.11%
000883.SZHubei Energy Group Co., Ltd.5.35%$0.2493.11%
039570.KSHDC I-Controls Co., Ltd.5.35%$448.0048.81%
AB9.DEABO Energy GmbH & Co. KGaA5.35%$0.6511.20%
CUP.AXCount Limited5.35%$0.068.76%
RB.SWReckitt Benckiser Group plc5.35%$2.8967.01%
0411.HKLam Soon (Hong Kong) Limited5.34%$0.6027.98%
1342.TWCathay Consolidated, Inc.5.34%$4.7687.76%
9612.SRSama Healthy Water Factory Co.5.34%$0.1039.45%
000521.SZChanghong Meiling Co., Ltd.5.33%$0.3554.63%