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

COMMON STOCK | Banks-Regional | NYE

Last Closing Price

USD 71.76

Change

0.00 (0.00)%

Market Cap

USD 3.87B

Volume

0.13M

Avg Analyst Target

N/A

Avg User Target

USD
Average Analyst Rating

N/A

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 deposit accounts, as well as time deposits. It also provides loans, including consumer mortgages; general purpose commercial and industrial loans, and mortgages on commercial properties; paycheck protection program loans; 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; cash management, investment, and treasury services; asset management; and employee benefit services, as well as operates as a full-service insurance agency that offers personal and commercial lines of insurance, and other risk management products and services. Further, it provides contribution plan administration, employee benefit trust, collective investment fund, retirement plan administration, fund administration, transfer agency, actuarial and benefit consulting, VEBA/HRA, and health and welfare consulting services. Additionally, the company offers wealth management, retirement planning, higher educational planning, fiduciary, risk management, trust, and personal financial planning services; and investment alternatives, including stocks, bonds, mutual funds, and advisory products, as well as master recordkeeping services. As of January 25, 2021, it operates approximately 230 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont, and Western Massachusetts. Community Bank System, Inc. was founded in 1866 and is headquartered in Onondaga, New York.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-07-24 )

Largest Industry Peers for Banks-Regional

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

N/A

USD128.70B 175.31 N/A
USB-PH U.S. Bancorp

N/A

USD102.84B 6.59 N/A
USB-PP U.S. Bancorp

N/A

USD87.03B 7.32 N/A
USB U.S. Bancorp

N/A

USD82.63B 11.93 N/A
USB-PO U.S. Bancorp

N/A

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

N/A

USD77.80B 6.80 N/A
PNC The PNC Financial Services Gro..

N/A

USD77.76B 13.88 N/A
IBN ICICI Bank Limited

N/A

USD63.42B 25.40 N/A
PNC-PQ The PNC Financial Services Gro..

N/A

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

N/A

USD56.97B 10.87 N/A

ETFs Containing CBU

Symbol Name Weight Mer Price(Change) Market Cap
PRFZ Invesco FTSE RAFI US 1500.. 0.00 % 0.39 %

N/A

USD2.01B
PSCF Invesco S&P SmallCap Fina.. 0.00 % 0.29 %

N/A

USD0.05B
SBB ProShares Short SmallCap6.. 0.00 % 0.95 %

N/A

USD4.63M
SDD ProShares UltraShort Smal.. 0.00 % 0.95 %

N/A

USD2.03M

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 15.17% 68% D+ 63% D
Dividend Return 1.35% 22% F 44% F
Total Return 16.51% 68% D+ 63% D
Trailing 12 Months  
Capital Gain 21.20% 43% F 42% F
Dividend Return 2.84% 21% F 45% F
Total Return 24.03% 43% F 40% F
Trailing 5 Years  
Capital Gain 64.89% 83% B 69% D+
Dividend Return 16.45% 49% F 60% D-
Total Return 81.34% 81% B- 71% C-
Average Annual (5 Year Horizon)  
Capital Gain 6.95% 78% C+ 58% F
Dividend Return 2.46% 52% F 56% F
Total Return 9.41% 80% B- 58% F
Risk Return Profile  
Volatility (Standard Deviation) 14.50% 73% C 72% C-
Risk Adjusted Return 64.88% 93% A 74% C
Market Capitalization 3.87B 46% F 70% C-
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 21.80 8% F 38% F
Price/Book Ratio 1.97 11% F 49% F
Price / Cash Flow Ratio 21.54 20% F 20% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 8.99% 36% F 54% F
Return on Invested Capital 7.96% 80% B- 68% D+
Return on Assets 1.34% 81% B- 36% F
Debt to Equity Ratio 3.83% 96% A 91% A-
Technical Ratios  
Short Ratio 9.99 3% F 4% F
Short Percent 3.37% 17% F 48% F
Beta 0.72 93% A 74% 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

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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.

High dividend returns

The stock has outperformed its sector peers on average annual dividend returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile. This can be a good buy, especially if it is outperforming on total return basis , for investors seeking high income yields.

Superior capital utilization

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

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.

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 Dividend Growth

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