CBU:NYE-Community Bank System Inc (USD)

COMMON STOCK | Banks-Regional | NYE

Last Closing Price

USD 62.93

Change

-0.57 (-0.90)%

Market Cap

USD 3.42B

Volume

0.23M

Avg Analyst Target

USD 66.00 (+4.88%)

Avg User Target

USD
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict


Community Bank System Inc (CBU) Stock Analysis:
Based on the Community Bank System Inc stock forecasts from 1 analysts, the average analyst target price for Community Bank System Inc is USD 66.00 over the next 12 months. Community Bank System Inc’s average analyst rating is Sell. Stock Target Advisor’s own stock analysis of Community Bank System Inc is Slightly Bearish, which is based on 3 positive signals and 7 negative signals. At the last closing, Community Bank System Inc’s stock price was USD 62.93. Community Bank System Inc’s stock price has changed by -3.02% over the past week, -7.28% over the past month and -22.42% over the last year.

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 Oth ...Read More

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2022-05-16 )

Largest Industry Peers for Banks-Regional

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

-0.12 (-0.23%)

USD98.25B 120.45 N/A
USB-PH U.S. Bancorp

-0.02 (-0.10%)

USD81.64B 4.28 N/A
USB-PO U.S. Bancorp

N/A

USD81.31B 8.27 N/A
USB-PP U.S. Bancorp

+0.15 (+0.62%)

USD75.67B 5.20 N/A
USB-PM U.S. Bancorp

N/A

USD75.42B 5.02 N/A
USB U.S. Bancorp

-0.33 (-0.68%)

USD72.21B 10.48 N/A
PNC The PNC Financial Services Gro..

-2.17 (-1.38%)

USD65.11B 13.33 N/A
IBN ICICI Bank Limited

+0.04 (+0.23%)

USD61.50B 19.29 N/A
PNC-PQ The PNC Financial Services Gro..

N/A

USD58.78B 2.14 N/A
BSBR Banco Santander (Brasil) S.A.

+0.12 (+1.84%)

USD47.67B 8.03 N/A

ETFs Containing CBU

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

-0.23 (-0.44%)

USD0.04B
SBB ProShares Short SmallCap6.. 0.00 % 0.95 %

+0.07 (+0.37%)

USD7.26M
SDD ProShares UltraShort Smal.. 0.00 % 0.95 %

+0.23 (+0.82%)

USD4.93M

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 -15.51% 39% F 44% F
Dividend Return 0.58% 12% F 35% F
Total Return -14.93% 37% F 43% F
Trailing 12 Months  
Capital Gain -22.73% 15% F 27% F
Dividend Return 2.10% 23% F 41% F
Total Return -20.63% 14% F 25% F
Trailing 5 Years  
Capital Gain 16.15% 70% C- 56% F
Dividend Return 14.41% 52% F 55% F
Total Return 30.56% 75% C 56% F
Average Annual (5 Year Horizon)  
Capital Gain 8.43% 66% D 59% F
Dividend Return 2.58% 43% F 58% F
Total Return 11.01% 69% D+ 59% F
Risk Return Profile  
Volatility (Standard Deviation) 14.95% 73% C 71% C-
Risk Adjusted Return 73.67% 96% A 83% B
Market Capitalization 3.42B 42% F 69% D+
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-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 18.84 7% F 41% F
Price/Book Ratio 1.85 13% F 43% F
Price / Cash Flow Ratio 16.90 6% F 22% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 9.62% 21% F 48% F
Return on Invested Capital 8.22% 63% D 60% D-
Return on Assets 1.22% 53% F 32% F
Debt to Equity Ratio 15.70% 74% C 83% B
Technical Ratios  
Dividend Yield 2.68% 28% F 22% F
Short Ratio 5.89 13% F 13% F
Short Percent 3.82% 19% F 48% F
Beta 0.67 92% A- 76% 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 Ratings

Target Price Action Rating Action Analyst Rating Price Date

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User / Independent Analyst Ratings

User Name Target Rating Target Horizon (Months) Target Price User Analysis Date Comment

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 risk adjusted returns

This stock has performed well, on a risk adjusted basis, compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile.

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.

Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

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.

Poor return on equity

The company management has delivered below median return on equity in the most recent 4 quarters compared to its peers.

Low Earnings Growth

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