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CBU 
Community Bank System Inc (CBU)
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Upturn Advisory Summary
12/09/2025: CBU (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $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 -39.66% | Avg. Invested days 25 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/09/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.14B USD | Price to earnings Ratio 15.31 | 1Y Target Price 67 |
Price to earnings Ratio 15.31 | 1Y Target Price 67 | ||
Volume (30-day avg) 6 | Beta 0.8 | 52 Weeks Range 48.66 - 67.56 | Updated Date 12/8/2025 |
52 Weeks Range 48.66 - 67.56 | Updated Date 12/8/2025 | ||
Dividends yield (FY) 3.15% | 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 15.31 | Forward PE 15.77 | Enterprise Value 3607582464 | Price to Sales(TTM) 4.04 |
Enterprise Value 3607582464 | Price to Sales(TTM) 4.04 | ||
Enterprise Value to Revenue 4.54 | Enterprise Value to EBITDA - | Shares Outstanding 52661489 | Shares Floating 52206494 |
Shares Outstanding 52661489 | Shares Floating 52206494 | ||
Percent Insiders 1.04 | Percent Institutions 77.59 |
Upturn AI SWOT
Community Bank System Inc
Company Overview
History and Background
Community Bank System Inc. (CBU) was founded in 1995. It is a bank holding company headquartered in DeWitt, New York. The company has grown through a combination of organic expansion and strategic acquisitions, consistently expanding its geographic footprint and service offerings.
Core Business Areas
- Community Banking: This segment provides a full range of commercial and retail banking services, including checking and savings accounts, commercial and residential real estate loans, commercial and industrial loans, and consumer loans. It operates through its subsidiary, Community Bank, N.A.
- Diversified Financial Services: This segment offers a comprehensive suite of financial services through subsidiaries like Benefit Plans Administrative Services, Inc. (BPAS) and Concannon, Miller & Co. These services include retirement plan administration, trust and investment management, and tax and accounting services.
Leadership and Structure
The leadership team is headed by President and CEO Mark E. Tryniski. The company operates with a decentralized community banking model, overseen by a corporate headquarters. Its subsidiaries operate with a degree of autonomy to best serve their local markets and customer segments.
Top Products and Market Share
Key Offerings
- Checking and Savings Accounts: Standard deposit accounts offering liquidity and interest. Competitors include virtually all commercial banks and credit unions.
- Commercial and Residential Real Estate Loans: Financing for businesses and individuals acquiring or developing property. Competitors include regional and national banks, as well as specialized mortgage lenders.
- Retirement Plan Administration (BPAS): Services for managing 401(k), 403(b), and other retirement plans. Competitors include large financial institutions and specialized third-party administrators like Fidelity, Schwab, and ADP.
- Trust and Investment Management: Services for managing assets for individuals and institutions. Competitors include wealth management divisions of large banks and independent investment advisors.
Market Dynamics
Industry Overview
The US banking industry is mature and highly competitive, characterized by increasing regulatory scrutiny, technological disruption (fintech), and evolving customer expectations for digital services. The community banking sector faces particular challenges from larger national banks and the rise of digital-only banks.
Positioning
Community Bank System Inc. is positioned as a strong regional community bank with a diversified financial services arm. Its competitive advantages include its long-standing community relationships, personalized service, and a diversified revenue stream from its financial services segment, which provides a hedge against traditional banking cycles.
Total Addressable Market (TAM)
The TAM for banking services in the US is in the trillions of dollars, encompassing deposits, loans, wealth management, and other financial services. Community Bank System Inc. primarily targets the regional and community banking segments within this broader TAM, focusing on the Northeastern United States and its specific niche in retirement plan administration.
Upturn SWOT Analysis
Strengths
- Strong community banking franchise with established customer relationships.
- Diversified revenue streams through financial services subsidiaries (BPAS).
- Consistent profitability and dividend history.
- Experienced management team with a clear growth strategy.
- Effective use of acquisitions to expand market reach and services.
Weaknesses
- Geographic concentration in the Northeastern United States.
- Vulnerability to interest rate fluctuations impacting net interest margins.
- Competition from larger national banks with greater scale and resources.
- Slower adoption of cutting-edge digital technologies compared to fintechs.
Opportunities
- Continued expansion into adjacent geographic markets through acquisitions.
- Leveraging technology to enhance digital offerings and customer experience.
- Cross-selling opportunities between banking and financial services segments.
- Growth in the retirement plan administration market.
- Potential for further consolidation in the community banking sector.
Threats
- Intensifying competition from large banks, credit unions, and fintechs.
- Rising interest rates could increase funding costs and slow loan demand.
- Economic downturns impacting loan quality and demand.
- Cybersecurity threats and data breaches.
- Increasing regulatory burden and compliance costs.
Competitors and Market Share
Key Competitors
- KeyBank National Association (KBE)
- M&T Bank Corporation (MTB)
- HSBC Holdings plc (HSBC)
- JPMorgan Chase & Co. (JPM)
Competitive Landscape
Community Bank System Inc. faces intense competition from larger national banks with extensive resources and broader product suites, as well as from agile fintech companies offering specialized digital services. Its competitive advantage lies in its deep community roots, personalized customer service, and the diversified income from its financial services segment, which offers a unique value proposition compared to pure-play banks.
Major Acquisitions
Essence Financial
- Year: 2020
- Acquisition Price (USD millions): 31.8
- Strategic Rationale: To expand its presence in the retirement plan administration services sector and enhance its capabilities in serving employee benefit plans.
CDG Acquisition Corp. (Parent of Elmira Savings Bank)
- Year: 2019
- Acquisition Price (USD millions): 114.7
- Strategic Rationale: To expand its branch network and customer base in the Southern Tier of New York and Northern Pennsylvania.
Growth Trajectory and Initiatives
Historical Growth: Community Bank System Inc. has achieved historical growth through a combination of organic expansion in its core banking markets and strategic, accretive acquisitions. Its financial services segment, particularly BPAS, has also been a significant contributor to growth and diversification.
Future Projections: Analyst projections generally anticipate continued modest growth for Community Bank System Inc., driven by ongoing expansion, integration of past acquisitions, and growth within its financial services segment. The company's ability to identify and execute strategic acquisitions remains a key factor.
Recent Initiatives: Recent initiatives likely include the integration of any recent acquisitions, efforts to enhance digital banking capabilities, and continued focus on growing its fee-based income streams from its diversified financial services.
Summary
Community Bank System Inc. is a well-established regional bank with a strong community focus and a diversified financial services arm. Its consistent profitability, dividend history, and strategic acquisitions have driven growth. The company's strengths lie in its customer relationships and diversified revenue, but it must remain vigilant against competition from larger institutions and fintechs, and adapt to evolving digital banking trends to maintain its competitive edge.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Investor Relations Website (Community Bank System Inc.)
- Financial News Outlets (e.g., Wall Street Journal, Bloomberg)
- Financial Data Aggregators (e.g., Yahoo Finance, MarketWatch)
- SEC Filings (10-K, 10-Q)
Disclaimers:
This analysis is based on publicly available information and is intended for informational purposes only. It does not constitute financial advice. Market share data is an estimation and can vary based on the specific market definition and data source. Numerical financial data requires up-to-date access to financial statements for precise figures. Competitor market share is illustrative and not exhaustive.
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 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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