Definitive Analysis
Loading...
Definitive Analysis

Financial Statements

Ticker

Industry

Sector

Community Bank System, Inc. (CBU)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$108.44 - $377.65$178.92
Multi-Stage$71.07 - $77.60$74.27
Blended Fair Value$126.60
Current Price$58.64
Upside115.89%
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 Rate8.52%8.52%8.52%
Growth Rate5.50%6.50%7.50%
Fair Value$108.44$178.92$377.65
Upside / Downside84.92%205.12%544.01%

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 Rate8.52%8.52%8.52%
Growth Rate5.50%6.50%7.50%
Year 1 PV (M)111.01112.06113.11
Year 2 PV (M)124.71127.08129.48
Year 3 PV (M)137.55141.50145.52
Year 4 PV (M)149.59155.34161.26
Year 5 PV (M)160.84168.61176.68
PV of Terminal Value (M)3,083.233,232.163,386.78
Equity Value (M)3,766.933,936.754,112.83
Shares Outstanding (M)53.0053.0053.00
Fair Value$71.07$74.27$77.60
Upside / Downside21.20%26.66%32.33%

High-Yield Dividend Screener

« Prev Page 93 of 151 Next »
Ticker Company Dividend Yield % Dividend Per Share Payout Ratio %
603890.SSSuzhou Chunqiu Electronic Technology Co., Ltd.1.16%$0.1926.66%
688596.SSShanghai GenTech Co., Ltd.1.16%$0.3739.36%
9520.SRShatirah House Restaurant Co.1.16%$0.2872.19%
HKB.SIAMTD IDEA Group1.16%$0.041.49%
LUVE.MILU-VE S.p.A.1.16%$0.4628.39%
M-CHAI.BKMahachai Hospital Public Company Limited1.16%$0.2541.99%
TELTE Connectivity Ltd.1.16%$2.6943.59%
002705.SZGuangdong Xinbao Electrical Appliances Holdings Co., Ltd1.15%$0.1611.95%
2588.HKBOC Aviation Limited1.15%$0.8533.42%
300939.SZShenzhen AV-Display Co., Ltd.1.15%$0.4058.71%
4368.TFuso Chemical Co.,Ltd.1.15%$72.9521.72%
4543.TTerumo Corporation1.15%$26.0729.43%
600338.SSTibet Summit Resources Co.,Ltd.1.15%$0.1735.44%
600763.SSTopchoice Medical Corporation1.15%$0.4639.91%
601600.SSAluminum Corporation of China Limited1.15%$0.1416.77%
603223.SSHengtong Logistics Co., Ltd.1.15%$0.1132.46%
605003.SSZhongWang Fabric Co., Ltd.1.15%$0.4169.19%
7115.TAlpha Purchase Co., Ltd.1.15%$25.8927.00%
FSL.BOFirstsource Solutions Limited1.15%$3.9041.18%
SAP.DESAP SE1.15%$2.3338.73%
TERRA13.MXFibra Terrafina1.15%$0.4614.15%
TTEN3.SATrês Tentos Agroindustrial S/A1.15%$0.1911.01%
001301.SZShijiazhuang Shangtai Technology Co., Ltd.1.14%$0.9826.25%
004370.KSNongshim Co., Ltd.1.14%$4,883.4318.11%
0HA8.LCorporación Financiera Alba, S.A.1.14%$0.9659.26%
0ZPV.LJenoptik AG1.14%$0.3524.94%
2651.TLawson, Inc.1.14%$117.3822.18%
300636.SZJiangxi Synergy Pharmaceutical Co., Ltd.1.14%$0.0938.18%
301181.SZJiangyin Pivot Automotive Products Co., Ltd.1.14%$0.5047.28%
4200.SRAldrees Petroleum and Transport Services Company1.14%$1.5036.84%
600552.SSTriumph Science & Technology Co.,Ltd1.14%$0.1485.31%
601969.SSHainan Mining Co., Ltd.1.14%$0.1457.09%
688314.SSKontour (Xi'an) Medical Technology Co., Ltd.1.14%$0.3834.72%
8466.TWM.J. International Co., Ltd.1.14%$0.2522.59%
8467.TWBonny Worldwide Limited1.14%$2.0215.71%
9936.HKXimei Resources Holding Limited1.14%$0.079.69%
TANLA.BOTanla Platforms Limited1.14%$6.0616.86%
VIT-B.STVitec Software Group AB (publ)1.14%$3.3033.04%
WINE.JKPT HATTEN BALI Tbk1.14%$2.3515.27%
001696.SZChongqing Zongshen Power Machinery Co.,Ltd1.13%$0.2533.93%
002363.SZShandong Longji Machinery Co.,Ltd1.13%$0.1191.74%
095610.KQTES Co., Ltd1.13%$600.1415.66%
098070.KQHantech1.13%$356.9910.94%
206640.KQBoditech Med Inc.1.13%$150.0312.80%
3498.TKasumigaseki Capital Co.,Ltd.1.13%$83.2616.29%
600054.SSHuangshan Tourism Development Co.,Ltd.1.13%$0.1333.02%
600377.SSJiangsu Expressway Company Limited1.13%$0.1414.78%
601677.SSHenan Mingtai Al.Industrial Co.,Ltd.1.13%$0.1712.01%
688589.SSLeaguer (Shenzhen) Microelectronics Corp.1.13%$0.2666.29%
7203.SRElm Company1.13%$8.5030.89%