Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Community Bank System, Inc.'s quarterly P/E stands at 14.1x, down 15.1% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 29.9% YoY to 10.0x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 15.66 | 14.08 | 14.10 | 14.66 | 15.12 | 16.58 | 17.49 | 12.97 | 15.80 | 20.68 | 12.87 | 13.17 | 119.30 |
| — | -15.1% | -19.4% | +13.0% | -4.3% | -19.8% | +35.9% | -1.5% | -86.8% | +27.5% | -22.9% | -39.2% | +491.8% | |
| P/S Ratio | 3.53 | 4.44 | 3.04 | 3.05 | 3.08 | 3.32 | 3.19 | 2.70 | 2.88 | 3.27 | 2.76 | 3.19 | 5.10 |
| — | +33.5% | -4.7% | +13.1% | +6.9% | +1.8% | +15.5% | -15.4% | -43.5% | -28.2% | -38.6% | -36.7% | -12.7% | |
| P/B Ratio | 1.74 | 1.61 | 1.60 | 1.60 | 1.64 | 1.86 | 1.71 | 1.50 | 1.55 | 1.65 | 1.46 | 1.56 | 1.74 |
| — | -13.6% | -6.4% | +7.2% | +5.6% | +12.8% | +17.8% | -4.0% | -10.7% | -25.2% | -34.6% | -24.5% | -15.7% | |
| P/FCF | 14.04 | 17.44 | 9.32 | 20.76 | 14.44 | 13.98 | 14.73 | 18.50 | 8.30 | 17.47 | 9.77 | 16.33 | 9.68 |
| — | +24.7% | -36.7% | +12.2% | +74.0% | -20.0% | +50.8% | +13.3% | -14.2% | +40.5% | -52.5% | -16.1% | -49.9% | |
| EV / EBITDA | 11.73 | 9.97 | 11.31 | 12.57 | 11.70 | 14.22 | 14.30 | 11.61 | 12.12 | 16.60 | 9.74 | 10.14 | 53.40 |
| — | -29.9% | -20.9% | +8.3% | -3.4% | -14.3% | +46.9% | +14.5% | -77.3% | +14.4% | -22.0% | -33.1% | +364.2% | |
| EV / EBIT | 12.76 | 10.39 | 12.45 | 13.95 | 13.03 | 15.81 | 16.05 | 13.00 | 13.72 | 19.24 | 10.96 | 11.32 | 108.56 |
| — | -34.3% | -22.5% | +7.3% | -5.0% | -17.8% | +46.5% | +14.9% | -87.4% | +19.3% | -21.9% | -35.2% | +738.3% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Community Bank System, Inc.'s operating margin was 48.6% in Q4 2025, up 20.0 pp QoQ and up 22.4 pp YoY. This marks the 6th consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 32.6% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin contracted 31.6% YoY, suggesting cost inflation or competitive pricing pressure.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 73.4% | 52.8% | 78.7% | 78.9% | 77.8% | 77.2% | 75.5% | 78.2% | 76.8% | 80.8% | 84.1% | 88.3% | 86.8% |
| — | -31.6% | +4.2% | +0.8% | +1.3% | -4.4% | -10.2% | -11.4% | -11.6% | -12.5% | -10.7% | -6.7% | -11.2% | |
| Operating Margin | 31.4% | 48.6% | 28.6% | 26.7% | 26.4% | 26.2% | 23.8% | 26.8% | 23.8% | 20.5% | 27.3% | 31.1% | 5.0% |
| — | +85.4% | +20.2% | -0.5% | +10.9% | +28.1% | -13.0% | -13.8% | +374.7% | -43.0% | -20.8% | +4.3% | -86.3% | |
| Net Margin | 22.7% | 30.0% | 21.5% | 20.7% | 20.4% | 20.2% | 18.3% | 20.7% | 18.3% | 15.7% | 21.5% | 24.4% | 4.2% |
| — | +48.3% | +17.6% | +0.2% | +11.1% | +28.4% | -15.0% | -15.3% | +339.9% | -43.7% | -20.0% | +4.5% | -85.5% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 11.2% | 2.8% | 2.9% | 2.8% | 2.8% | 2.8% | 2.5% | 2.9% | 2.4% | 2.1% | 2.8% | 3.0% | 0.4% |
| — | -1.7% | +13.4% | -4.1% | +13.2% | +35.4% | -8.7% | -3.0% | +569.4% | -40.6% | -10.8% | +31.1% | -84.7% | |
| ROA | 1.2% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.2% | 0.3% | 0.3% | 0.0% |
| — | +4.3% | +20.6% | +1.8% | +15.0% | +39.4% | -6.1% | -5.2% | +597.6% | -34.8% | -7.6% | +24.3% | -87.6% | |
| ROIC | 7.9% | 2.4% | 2.0% | 1.8% | 1.8% | 1.8% | 1.6% | 1.9% | 1.7% | 1.4% | 2.0% | 2.2% | 0.2% |
| — | +37.6% | +24.9% | -4.0% | +6.6% | +25.1% | -17.8% | -15.9% | +644.9% | -35.2% | -18.1% | +21.5% | -88.6% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Community Bank System, Inc.'s Debt/EBITDA ratio is 8.1x, down from 9.5x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 3545.3% YoY to 1.49x, strengthening the short-term liquidity position. Debt/Equity has declined for 3 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.37 | 0.37 | 0.39 | 0.47 | 0.47 | 0.57 | 0.53 | 0.56 | 0.41 | 0.45 | 0.42 | 0.30 | 0.23 |
| — | -34.3% | -25.9% | -14.9% | +14.1% | +25.7% | +27.7% | +86.2% | +76.9% | -38.5% | +22.8% | +59.4% | +41.0% | |
| Debt / EBITDA | 2.35 | 8.12 | 9.48 | 12.21 | 12.04 | 13.93 | 14.82 | 13.40 | 11.36 | 15.07 | 10.27 | 7.06 | 26.82 |
| — | -41.7% | -36.0% | -8.9% | +6.0% | -7.6% | +44.3% | +89.8% | -57.7% | -0.9% | +45.3% | +32.2% | +491.2% | |
| Current Ratio | 1.49 | 1.49 | 0.22 | 0.20 | 0.06 | 0.04 | 0.24 | 0.23 | 0.24 | 0.24 | 0.24 | 0.25 | 0.27 |
| — | +3545.3% | -7.5% | -13.5% | -73.7% | -82.9% | -1.6% | -8.3% | -12.6% | -23.0% | -37.5% | -41.4% | -45.0% | |
| Quick Ratio | 1.49 | 1.49 | 0.22 | 0.20 | 0.06 | 0.04 | 0.24 | 0.23 | 0.24 | 0.24 | 0.24 | 0.25 | 0.27 |
| — | +3545.3% | -7.5% | -13.5% | -73.7% | -82.9% | -1.6% | -8.3% | -12.6% | -23.0% | -37.5% | -41.4% | -45.0% | |
| Interest Coverage | 1.51 | 1.84 | 1.49 | 1.37 | 1.35 | 1.29 | 1.11 | 1.30 | 1.16 | 1.18 | 1.88 | 2.75 | 0.47 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying CBU stock.
Community Bank System, Inc.'s current P/E is 15.7x. The average P/E over the last 4 quarters is 14.5x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Community Bank System, Inc.'s current operating margin is 31.4%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Community Bank System, Inc.'s business trajectory between earnings reports.