Intrinsic value of Community Bank System, Inc. (CBU)

[per Chepakovich valuation model]

other valuations of CBU

[per Chepakovich valuation model]  See other valuations of CBU stock

Previous Close$71.76
Intrinsic Value
Upside potential
Previous Close
$71.76

VALUATION INPUT DATA

Revenue, mln $
Initial revenue growth rate (norm.), %
Variable cost ratio, %
Fixed operating expenses, mln $
Production assets / Revenue, %
Working capital / Revenue, %
Interest rate on debt, %
Life of production assets, yrs
Initial discount rate, %
Shares outstanding, mln
Adjusted equity ratio
Adjusted assets / Revenue
Based on fiscal year data as of 2020-12-31 and quarterly data as of 2021-03-31.
NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.
  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2020(a)2021202220232024202520262027202820292030203120322033203420352036203720382039204020412042204320442045

INCOME STATEMENT

Revenue growth rate, %0.2NaN
Revenue, $618NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m407NaN
Operating income, $m211NaN
EBITDA, $m230NaN
Interest expense (income), $mNaN
Earnings before tax, $m206NaN
Tax expense, $m41NaN
Net income, $m164NaN

BALANCE SHEET

Cash and short-term investments, $m1646NaN
Total assets, $m13931NaN
Adjusted assets (=assets-cash), $m12285NaN
Average production assets, $m1007NaN
Working capital, $m-2698NaN
Total debt, $m87NaN
Total liabilities, $m11827NaN
Total equity, $m2104NaN
Debt-to-equity ratio0.041NaN
Adjusted equity ratio0.037NaN

CASH FLOW

Net income, $m164NaN
Depreciation, amort., depletion, $m19NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m179NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m-14NaN
Free cash flow, $m194NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m-2698
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN