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Upturn AI SWOT - About
CBU 
Community Bank System Inc (CBU)
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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
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
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
| 2 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -28.95% | Avg. Invested days 29 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| 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 |
Upturn AI SWOT
Community Bank System Inc
Company Overview
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.
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 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
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
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
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.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
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.
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