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Upturn AI Summary - About
Community Bank System Inc(CBU)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for CBU
10/27/2026: CBU (1-star) is currently NOT-A-BUY. Pass it for now.
Community Bank System Inc is a well-established regional banking holding company that provides a diversified range of banking, insurance, and employee benefit services. The company is noted for its conservative lending standards and a stable fee-based income stream from its benefit plan division, which offers a cushion against interest rate volatility. Its primary opportunity lies in continuing a disciplined acquisition strategy alongside digital service enhancements to retain and attract customers. However, investors must monitor risks related to regional economic exposure and intense competition from larger national banks. This stock is well-suited for long-term dividend and value-oriented investors seeking a stable, income-generating regional financial institution.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company focuses on steady, incremental growth rather than aggressive expansion. |
| Momentum investor | Weak fit | The stock is generally characterized by lower volatility rather than rapid upward momentum. |
| Value investor | Strong fit | The bank is often viewed as a stable, reasonably valued entity by long-term value-oriented investors. |
| Dividend investor | Strong fit | The long history of consistent dividends makes it a suitable candidate for income-focused portfolios. |
| Low-risk investor | Strong fit | A conservative business model and solid capital position appeal to investors seeking stability. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Low | The stock typically exhibits lower volatility compared to broader market indices or tech stocks. |
| Valuation risk | Medium | Market pricing of regional banks can fluctuate based on broader macro interest rate expectations. |
| Competition risk (banking) | Medium / high | The banking sector faces constant pressure from larger national players and evolving digital competitors. |
| Business quality | Strong | The company maintains a strong, diversified franchise with consistent non-interest income. |
| Dividend income | Low / none | Dividend payments have been historically consistent and stable. |
| Execution risk | Medium | Integration of acquisitions and digital transformation requires effective management execution. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -10.18% | Avg. Invested days 36 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/27/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.28B USD | Price to earnings Ratio 14.49 | 1Y Target Price 69 |
Price to earnings Ratio 14.49 | 1Y Target Price 69 | ||
Volume (30-day avg) 286.3K shares | Beta 0.78 | 52 Weeks Range 51.83 - 70.56 | Updated Date 10/27/2026 |
52 Weeks Range 51.83 - 70.56 | Updated Date 10/27/2026 | ||
Dividends yield (FY) 3.01% | Basic EPS (TTM) 4.3 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Banking Operations | Interest earned on loans and securities less interest paid on deposits. | This is the core business; profits depend on the spread between what the bank earns on loans and pays on deposits. |
| Benefit Plan Services | Fees from administration, recordkeeping, and consulting services for retirement and benefit plans. | This provides a steady, fee-based revenue stream that is less sensitive to interest rate fluctuations. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-27 | When Before Market | Estimate 1.19 | Actual 1.2 |
Profitability
Profit Margin 27.21% | Operating Margin (TTM) 39.21% |
Management Effectiveness
Return on Assets (TTM) 1.33% | Return on Equity (TTM) 11.53% |
Valuation
Trailing PE 14.49 | Forward PE 15.77 | Enterprise Value 3.80B | Price to Sales(TTM) 3.91 |
Enterprise Value 3.80B | Price to Sales(TTM) 3.91 | ||
Enterprise Value to Revenue 4.52 | Enterprise Value to EBITDA - | Shares Outstanding 52.62M | Shares Floating 52.12M |
Shares Outstanding 52.62M | Shares Floating 52.12M | ||
Percent Insiders 0.76 | Percent Institutions 79.56 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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