NYSE$CBU

Community Bank System Inc · Q2 2020 earnings

Q2 2020 earnings · · Investor relations

Briefing

Community Bank System reported second quarter results and provided a COVID-19 pandemic update.

Community Bank System reported a net income of $35.2 million, or $0.66 per fully-diluted share, for the second quarter of 2020. The company successfully completed the acquisition of Steuben, funded approximately $500 million of PPP loans, and processed over 5,000 borrower forbearance requests.

  • Completed the acquisition of Steuben Trust Corporation.
  • Funded approximately $500 million in Paycheck Protection Program (PPP) loans.
  • Processed over 5,000 borrower forbearance requests.
  • Adjusted pre-tax, pre-provision net revenue per share was up $0.05, or 4.9%, over the second quarter of 2019.

Headline financials

Total Revenue

$145M

Previous: $149M-2.8%
EPS (adj)

$0.76

Previous: $0.80-5.0%
Capital Expenditures

-$4.64M

Previous: -$3.96M-17.1%
Free Cash Flow

$30.6M

Previous: $41.1M-25.4%
Net Income

$35.2M

Previous: $45M-21.7%
Operating Income

$14.1M

Previous: $26.2M-46.2%
Gross Profit

$135M

Previous: $149M-9.3%
Cash & Equivalents

$1.32B

Previous: $875M+50.9%
Total Assets

$13.4B

Previous: $10.7B+25.1%
Stock-Based Comp

$1.28M

Previous: $1.37M-6.2%

Revenue & EPS history

Community Bank · Revenue · Quarterly

$145M

Q2 2020-2.8%vs Q2 2019
Beat estimate in 12 of 16 quarters(75%)
ActualEstimate

Revenue by segment

Community Bank · $32.3M total across 2 segments · Q2 2020

  • Employee Benefit
    $24.1M+1.3%
  • Insurance Services
    $8.2M-1.2%

Forward guidance

The COVID-19 crisis is expected to continue to impact the Company’s financial results, as well as demand for its services and products during the remaining two quarters of 2020 and potentially beyond.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q2 2020

Historical avgQ2 2020

+0.2%

Avg return

Earnings day

-0.0%

Avg return

5 days after

+2.7%

Avg return

30 days after

57%

37 / 65 earnings

Positive

+5.8%

Q3 2015

Best reaction

-9.5%

Q4 2022

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-0.0%-4.1%-1.1%
Q4 2025-0.6%+1.2%+2.0%
Q3 2025-0.1%+2.4%-2.1%
Q1 2025-2.1%+2.2%+1.9%
Q4 2024+2.5%+3.8%+1.1%
Q3 2024-1.2%-4.0%+17.1%
Q2 2024+1.3%+5.8%-0.8%
Q1 2024+2.0%+0.4%+4.4%
Q4 2023-4.5%+1.1%+7.2%
Q3 2023-4.8%-2.7%+13.0%
Q2 2023+4.9%+2.4%-11.4%
Q1 2023-1.5%+5.8%+3.1%
Q4 2022-9.5%-8.2%-1.1%
Q3 2022-1.4%+1.7%+6.2%
Q2 2022+1.0%+2.9%+3.0%
Q1 2022-1.2%-5.1%-4.7%
Q4 2021+4.2%+0.4%+1.1%
Q3 2021-1.7%-2.6%+1.7%
Q2 2021+0.2%-0.2%+2.9%
Q1 2021-0.5%-1.2%+1.7%
Q4 2020-4.5%-8.1%+4.4%
Q3 2020-1.4%-1.6%+11.6%
Q2 2020-3.0%-5.0%+1.4%
Q1 2020-3.3%-2.8%-8.6%
Q4 2019-0.1%-2.7%-2.5%
Q3 2019+4.3%+5.7%+5.0%
Q2 2019+0.6%+1.9%-4.5%
Q1 2019+4.0%+5.0%+3.6%
Q4 2018-5.0%-3.8%+2.1%
Q3 2018-1.9%-2.9%+8.4%
Q2 2018+2.9%+2.3%+5.9%
Q1 2018+5.1%+4.9%+10.4%
Q4 2017+0.7%-2.9%-1.3%
Q3 2017-3.6%-2.1%-4.2%
Q2 2017+2.4%+2.6%-4.6%
Q1 2017+5.8%+2.8%+0.9%
Q4 2016+3.6%+4.4%+5.3%
Q3 2016-1.1%-2.5%+19.0%
Q2 2016+2.0%+1.9%+7.0%
Q1 2016+0.3%
Q4 2015-3.0%
Q3 2015+5.8%
Q2 2015+1.3%
Q1 2015+1.5%
Q4 2014+2.5%
Q3 2014+3.1%
Q2 2014+1.6%
Q1 2014+1.0%
Q4 2013+0.2%
Q3 2013+0.6%
Q2 2013+0.1%
Q1 2013+1.3%
Q4 2012-0.9%
Q3 2012+0.3%
Q2 2012-0.7%
Q1 2012+2.1%
Q4 2009+1.4%
Q4 2011+1.4%
Q4 2010+1.4%
Q3 2011-4.0%
Q3 2010-4.0%
Q2 2010-4.0%
Q2 2011+1.4%
Q1 2011+1.4%
Q1 2010+5.0%

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