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CBU 1-star rating from Upturn Advisory
Community Bank System Inc (CBU) company logo

Community Bank System Inc (CBU)

Community Bank System Inc (CBU) 1-star rating from Upturn Advisory
$59.81
Last Close (24-hour delay)
Profit since last BUY1.48%
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Upturn Advisory Summary

12/16/2025: CBU (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

Upturn 1 star rating for performance

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

2 star rating from financial analysts

6 Analysts rated it

Limited analyst coverage, niche firm, research info may be scarce.

1 Year Target Price $67

1 Year Target Price $67

Analysts Price Target For last 52 week
$67 Target price
52w Low $48.28
Current$59.81
52w High $65.96

Analysis of Past Performance

Type Stock
Historic Profit -37.94%
Avg. Invested days 25
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating upturn star rating icon
Upturn Advisory Performance Upturn Advisory Performance icon 2.0
Stock Returns Performance Upturn Returns Performance icon 1.0
Upturn Profits based on simulation icon Profits based on simulation
Upturn last close icon Last Close 12/16/2025

Key Highlights

Company Size Mid-Cap Stock
Market Capitalization 3.16B USD
Price to earnings Ratio 15.41
1Y Target Price 67
Price to earnings Ratio 15.41
1Y Target Price 67
Volume (30-day avg) 6
Beta 0.8
52 Weeks Range 48.28 - 65.96
Updated Date 12/16/2025
52 Weeks Range 48.28 - 65.96
Updated Date 12/16/2025
Dividends yield (FY) 3.07%
Basic EPS (TTM) 3.88

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 26.51%
Operating Margin (TTM) 38.3%

Management Effectiveness

Return on Assets (TTM) 1.23%
Return on Equity (TTM) 11.05%

Valuation

Trailing PE 15.41
Forward PE 15.77
Enterprise Value 3667616768
Price to Sales(TTM) 4.07
Enterprise Value 3667616768
Price to Sales(TTM) 4.07
Enterprise Value to Revenue 4.64
Enterprise Value to EBITDA -
Shares Outstanding 52661489
Shares Floating 52206494
Shares Outstanding 52661489
Shares Floating 52206494
Percent Insiders 1.04
Percent Institutions 77.59

About Community Bank System Inc

Exchange NYSE
Headquaters Dewitt, NY, United States
IPO Launch date 1985-11-27
President, CEO & Director Mr. Dimitar A. Karaivanov
Sector Financial Services
Industry Banks - Regional
Full time employees 2730
Full time employees 2730

Community Financial System, Inc. operates as the bank holding company for Community Bank, N.A. that provides various banking and other financial services to retail, commercial, institutional, and municipal customers. It operates in three segments: Banking, Employee Benefit Services, and All Other. The company offers various deposits products, such as interest and noninterest-bearing checking, savings, and money market deposit accounts, as well as time deposits. It also provides loans, such as 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 check credit 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 services; 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 offers contribution plan administration, employee benefit trust, collective investment fund, retirement plan administration and benefit consulting, fund administration, transfer agency, actuarial and benefit consulting, and health and welfare consulting services; and act as an investor in residential and commercial real estate activities. 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 insurance and advisory products, as well as master recordkeeping services. Community Financial System, Inc. was founded in 1866 and is headquartered in Dewitt, New York.