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Community Bank System Inc (CBU)

Upturn stock ratingUpturn stock rating
$60.08
Last Close (24-hour delay)
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PASS
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Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
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Time period over
  • ALL
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Upturn Advisory Summary

07/03/2025: CBU (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

rating

Not Recommended Performance

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

Number of Analysts

rating

6 Analysts rated it

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

1 Year Target Price $66.33

1 Year Target Price $66.33

Analysts Price Target For last 52 week
$66.33 Target price
52w Low $44.31
Current$60.08
52w High $71.71

Analysis of Past Performance

Type Stock
Historic Profit -28.95%
Avg. Invested days 29
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 07/03/2025

Key Highlights

Company Size Mid-Cap Stock
Market Capitalization 3.18B USD
Price to earnings Ratio 16.64
1Y Target Price 66.33
Price to earnings Ratio 16.64
1Y Target Price 66.33
Volume (30-day avg) 6
Beta 0.8
52 Weeks Range 44.31 - 71.71
Updated Date 07/3/2025
52 Weeks Range 44.31 - 71.71
Updated Date 07/3/2025
Dividends yield (FY) 3.24%
Basic EPS (TTM) 3.61

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 25.77%
Operating Margin (TTM) 35.74%

Management Effectiveness

Return on Assets (TTM) 1.17%
Return on Equity (TTM) 10.96%

Valuation

Trailing PE 16.64
Forward PE 15.77
Enterprise Value 3349473024
Price to Sales(TTM) 4.28
Enterprise Value 3349473024
Price to Sales(TTM) 4.28
Enterprise Value to Revenue 4.86
Enterprise Value to EBITDA -
Shares Outstanding 52851500
Shares Floating 52391645
Shares Outstanding 52851500
Shares Floating 52391645
Percent Insiders 1.04
Percent Institutions 75.08

ai summary icon Upturn AI SWOT

Community Bank System Inc

stock logo

Company Overview

overview logo History and Background

Community Bank System Inc. was founded in 1926 as a single bank. It has grown through a series of acquisitions and organic growth to become a diversified financial services company.

business area logo Core Business Areas

  • Community Banking: Offers traditional banking services, including deposit accounts, loans, and other financial products, to individuals and businesses in its service areas.
  • Wealth Management: Provides trust and investment management services to individuals, businesses, and not-for-profit organizations.
  • Employee Benefit Services: Offers employee benefit plan administration, actuarial services, and consulting services.
  • All Other: Includes insurance and other financial services.

leadership logo Leadership and Structure

Mark E. Tryniski is the current Chief Executive Officer. The company operates with a traditional corporate structure, including a Board of Directors and executive management team. The organizational structure is functional, with distinct divisions for banking, wealth management, and employee benefits.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Loans: Loans provided to businesses for working capital, expansion, and other purposes. The competition for commercial loans is intense, with national banks, regional banks, and credit unions all vying for market share. Competitors include Bank of America (BAC), JP Morgan Chase (JPM), and M&T Bank (MTB). Limited precise market share data available. Contributes significantly to revenue.
  • Mortgage Loans: Residential mortgage loans offered to individuals. Competitors include national mortgage lenders like Rocket Mortgage and local banks/credit unions. Market share varies by region and is highly competitive. Contributes significantly to revenue. Competitors are Rocket Companies (RKT).
  • Trust and Investment Management Services: Services include financial planning, investment advice, and estate planning. Competitors include large investment firms such as Fidelity and Vanguard, as well as other regional wealth managers. Competitors include Charles Schwab (SCHW), Fidelity, and Vanguard.

Market Dynamics

industry overview logo Industry Overview

The banking industry is currently facing challenges from rising interest rates, increased regulatory scrutiny, and competition from fintech companies. There is also a growing focus on digital banking and customer experience.

Positioning

Community Bank System Inc. positions itself as a community-focused bank with a strong emphasis on customer service and relationship banking. Its competitive advantage lies in its local market knowledge and personalized service.

Total Addressable Market (TAM)

The TAM for banking services is substantial, encompassing all individuals and businesses requiring financial services. The TAM for Wealth Management is also substantial, focused on individuals and institutions seeking financial advice. Community Bank System Inc. is a relatively small player compared to the TAM, indicating significant growth potential. Total banking assets in the US exceed $20 trillion. Total addressable market for Wealth Management Services exceeds $30 trillion.

Upturn SWOT Analysis

Strengths

  • Strong regional presence
  • Diversified revenue streams
  • Experienced management team
  • Strong capital position
  • High Customer Loyalty

Weaknesses

  • Limited geographic reach
  • Smaller scale compared to national banks
  • Reliance on traditional banking model
  • Higher cost structure relative to fintechs

Opportunities

  • Expansion into new markets
  • Increased adoption of digital banking
  • Growing demand for wealth management services
  • Strategic acquisitions
  • Partnerships with FinTech Companies

Threats

  • Rising interest rates
  • Increased regulatory scrutiny
  • Competition from fintech companies
  • Economic downturn
  • Cybersecurity threats

Competitors and Market Share

competitor logo Key Competitors

  • MTB
  • KEY
  • CMA

Competitive Landscape

Community Bank System Inc. faces intense competition from larger national banks and smaller community banks. Its advantages include its strong regional presence and customer relationships. Its disadvantages include its smaller scale and limited geographic reach.

Major Acquisitions

Oneida Financial Corp

  • Year: 2016
  • Acquisition Price (USD millions): 149
  • Strategic Rationale: Expanded market presence in Central New York.

ERISA Systems Inc.

  • Year: 2017
  • Acquisition Price (USD millions): 44
  • Strategic Rationale: Strengthened employee benefits administration services.

Growth Trajectory and Initiatives

Historical Growth: Community Bank System Inc. has grown steadily over the past decade through a combination of organic growth and strategic acquisitions.

Future Projections: Analyst estimates suggest continued growth, driven by expansion into new markets and increased adoption of digital banking. Revenue growth is projected at 3-5% annually.

Recent Initiatives: Recent initiatives include investments in digital banking platforms, expansion of wealth management services, and acquisitions of smaller banks.

Summary

Community Bank System Inc. is a relatively strong regional bank with diversified revenue streams and a solid financial position. It benefits from its strong community ties but faces challenges from larger competitors and the evolving banking landscape. Its growth strategy relies on strategic acquisitions and investments in digital banking. Key challenges include managing interest rate risk and navigating regulatory changes. Overall, CBU presents a stable, if not spectacularly high-growth, investment opportunity.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company filings
  • Analyst reports
  • Industry publications

Disclaimers:

The information provided is for informational purposes only and should not be considered investment advice. The data and analysis are based on publicly available information and are subject to change. Past performance is not indicative of future results.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.

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 through 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, 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 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 provides 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.