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Community Bank System Inc (CBU)

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Upturn Advisory Summary
12/16/2025: CBU (1-star) has a low Upturn Star Rating. Not recommended to BUY.
1 Year Target Price $67
1 Year Target Price $67
| 2 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
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 Advisory Performance | Stock Returns Performance |
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.

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