CBU:NYE-Community Bank System, Inc (USD)

COMMON STOCK | Banks—Regional | NYE

Last Closing Price

USD 65.75

Change

-1.36 (-2.03)%

Market Cap

USD 3.59B

Volume

0.21M

Average Target Price

USD 58.00 (-11.79%)
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

Community Bank System, Inc. operates as the bank holding company for Community Bank, N.A. that provides various banking and other financial services to retail, commercial, and municipal customers. It operates through three segments: Banking, Employee Benefit Services, and All Other. The company offers various deposits products, such as checking, savings, and money market accounts, as well as time deposits. It also provides loans, including consumer mortgages; general purpose commercial and industrial loans, and mortgages on commercial properties; installment loans that are originated through selected dealerships and are secured by automobiles, marine, and other recreational vehicles; personal installment loans and lines of credit for consumers; and home equity products. In addition, the company offers broker-dealer and investment advisory; asset management; risk management; and employee benefit services, as well as operates as a full-service insurance agency that offers personal and commercial property insurance, and other risk management products. Further, it provides contribution plan administration, collective investment fund, retirement plan administration, fund administration, actuarial and benefits consulting, employee benefit trust, VEBA/HRA, and health and welfare consulting services. Additionally, the company offers wealth management, higher educational planning, fiduciary, and personal financial planning services; and investment alternatives, including stocks, bonds, mutual funds, and advisory products, as well as transfer agency and master recordkeeping services. As of October 26, 2020, it operated 240 customer facilities in Upstate New York, as well as Northeastern Pennsylvania, Vermont, and Western Massachusetts. Community Bank System, Inc. was founded in 1866 and is headquartered in DeWitt, New York.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2020-11-25 )

Largest Industry Peers for Banks—Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
HDB HDFC Bank Limited

-1.38 (-1.98%)

USD108.16B 32.12 N/A
USB-PH U.S. Bancorp

+0.11 (+0.47%)

USD96.95B 4.35 N/A
USB-PP U.S. Bancorp

+0.04 (+0.14%)

USD88.66B 5.99 N/A
USB-PO U.S. Bancorp

-0.10 (-0.39%)

USD83.23B 5.81 N/A
USB-PM U.S. Bancorp

+0.05 (+0.19%)

USD80.79B 6.19 N/A
USB U.S. Bancorp

-0.72 (-1.59%)

USD68.39B 14.13 N/A
PNC The PNC Financial Services Gro..

+0.54 (+0.39%)

USD59.36B 17.49 N/A
PNC-PQ The PNC Financial Services Gro..

N/A

USD58.78B 2.14 N/A
ITUB Itaú Unibanco Holding S.A

-0.02 (-0.36%)

USD51.91B 15.23 N/A
IBN ICICI Bank Limited

-0.20 (-1.52%)

USD44.89B 22.95 N/A

ETFs Containing CBU

Symbol Name Weight Mer Price(Change) Market Cap
PSCF Invesco S&P SmallCap Fina.. 0.00 % 0.29 %

-0.53 (-1.11%)

USD0.02B
SBB ProShares Short SmallCap6.. 0.00 % 0.95 %

+0.19 (+0.82%)

USD0.01B
SDD ProShares UltraShort Smal.. 0.00 % 0.95 %

+0.11 (+1.89%)

USD6.18M

Market Performance

  Market Performance vs.
Industry/Classification (Banks—Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain -7.32% 62% D- 35% F
Dividend Return 1.75% 25% F 46% F
Total Return -5.57% 62% D- 34% F
Trailing 12 Months  
Capital Gain -3.31% 65% D 40% F
Dividend Return 2.43% 37% F 51% F
Total Return -0.88% 64% D 39% F
Trailing 5 Years  
Capital Gain 53.33% 87% B+ 74% C
Dividend Return 15.93% 62% D- 54% F
Total Return 69.26% 87% B+ 75% C
Average Annual (5 Year Horizon)  
Capital Gain 12.93% N/A N/A 84% B
Dividend Return 2.50% N/A N/A 61% D-
Total Return 15.44% N/A N/A 85% B
Risk Return Profile  
Volatility (Standard Deviation) 19.03% N/A N/A 42% F
Risk Adjusted Return 81.12% N/A N/A 85% B
Market Capitalization 3.59B 49% F 71% C-
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks—Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 21.22 15% F 39% F
Price/Book Ratio 1.65 17% F 47% F
Price / Cash Flow Ratio 17.74 10% F 21% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 8.18% 57% F 61% D-
Return on Invested Capital 8.85% 72% C- 67% D+
Return on Assets 1.27% 89% B+ 39% F
Debt to Equity Ratio 4.91% 97% A+ 90% A-
Technical Ratios  
Short Ratio 9.69 7% F 7% F
Short Percent 5.00% 15% F 48% F
Beta 0.76 87% B+ 70% C-
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Superior return on assets

The company management has delivered better return on assets in the most recent 4 quarters than its peers, placing it in the top quartile.

Low debt

The company is less leveraged than its peers ,, and is among the top quartile, which makes it more flexible. However, do check the news and look at its sector. Sometimes this is low because the company is not growing and has no growth potential.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

High Gross Profit to Asset Ratio

This stock is in the top quartile compared to its peers on Gross Profit to Asset Ratio. This is a popular measure among value investors for showing superior returns in the long run.

What to not like:
Low market capitalization

This is among the smaller entities in its sectors with below median market capitalization. That may make it less stable in the long run unless it has a unique technology or market which can help it grow or get acquired in future.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Low Dividend Growth

This stock has shown below median dividend growth in the previous 5 years compared to its sector.