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Upturn AI SWOT - About
CBU 
Community Bank System Inc (CBU)
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Upturn Advisory Summary
09/16/2025: 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 $67.4
1 Year Target Price $67.4
| 2 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -37.62% | Avg. Invested days 26 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/16/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.11B USD | Price to earnings Ratio 16.03 | 1Y Target Price 67.4 |
Price to earnings Ratio 16.03 | 1Y Target Price 67.4 | ||
Volume (30-day avg) 6 | Beta 0.81 | 52 Weeks Range 48.66 - 71.14 | Updated Date 09/15/2025 |
52 Weeks Range 48.66 - 71.14 | Updated Date 09/15/2025 | ||
Dividends yield (FY) 3.13% | Basic EPS (TTM) 3.62 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.75% | Operating Margin (TTM) 36.38% |
Management Effectiveness
Return on Assets (TTM) 1.2% | Return on Equity (TTM) 10.96% |
Valuation
Trailing PE 16.03 | Forward PE 15.77 | Enterprise Value 3724227072 | Price to Sales(TTM) 4.12 |
Enterprise Value 3724227072 | Price to Sales(TTM) 4.12 | ||
Enterprise Value to Revenue 4.9 | Enterprise Value to EBITDA - | Shares Outstanding 52857100 | Shares Floating 52399863 |
Shares Outstanding 52857100 | Shares Floating 52399863 | ||
Percent Insiders 1.03 | Percent Institutions 75.79 |
Upturn AI SWOT
Community Bank System Inc
Company Overview
History and Background
Community Bank System Inc. was founded in 1866 as the Chenango Canal National Bank of Hamilton, New York. It evolved through various mergers and acquisitions to become a diversified financial services company.
Core Business Areas
- Banking: Provides a range of traditional banking services including deposit accounts, loans, and other financial products to individuals, businesses, and municipalities.
- Wealth Management: Offers investment advisory, trust, and retirement planning services to individuals and institutions.
- Employee Benefit Services: Provides administration and consulting services for employee benefit plans.
- Insurance: Provides property and casualty, as well as life and health insurance products.
Leadership and Structure
Mark E. Tryniski serves as the Chief Executive Officer. The organizational structure includes various departments such as retail banking, commercial lending, wealth management, and insurance, each headed by senior executives.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes. Market share is difficult to pinpoint precisely but competes regionally against large national banks and other regional banks. Competitors include M&T Bank and KeyCorp.
- Market Share (%):
- Market Share (%):
- Residential Mortgages: Mortgages for homebuyers. Market share is influenced by interest rates and local housing markets. Competitors include national lenders like JP Morgan Chase and Wells Fargo.
- Market Share (%):
- Wealth Management Services: Investment advisory and trust services. Market share depends on assets under management (AUM). Competitors include large wealth management firms like Fidelity and Schwab.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to rising interest rates, increased regulatory scrutiny, and competition from fintech companies.
Positioning
Community Bank System Inc. positions itself as a relationship-focused bank providing personalized service to local communities. Its competitive advantage lies in its strong regional presence and customer loyalty.
Total Addressable Market (TAM)
TAM for banking services in the Northeastern US is estimated to be in the billions. CBSI is well positioned to capture its segment.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Customer loyalty
- Diversified revenue streams
- Experienced management team
Weaknesses
- Limited geographic reach compared to larger banks
- Susceptibility to interest rate fluctuations
- Higher cost structure than pure fintech players
- Dependence on regional economy
Opportunities
- Expansion into new markets through acquisitions
- Increased adoption of digital banking solutions
- Growing demand for wealth management services
- Strategic partnerships with fintech companies
Threats
- Increased competition from larger banks and fintech companies
- Economic downturns impacting loan demand
- Rising regulatory costs
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- MTB (M&T Bank)
- KEY (KeyCorp)
- CMA (Comerica)
- FULT (Fulton Financial)
Competitive Landscape
Community Bank System Inc. faces competition from larger regional and national banks, as well as fintech companies. Its advantages include a strong regional presence and customer relationships, while disadvantages include limited scale and geographic reach.
Major Acquisitions
OneGroup NY Inc.
- Year: 2018
- Acquisition Price (USD millions): 327
- Strategic Rationale: Expanded insurance business.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been moderate and driven by organic growth and acquisitions.
Future Projections: Analyst estimates suggest continued growth, driven by strategic initiatives and market conditions.
Recent Initiatives: Recent initiatives include expansion of digital banking services and strategic acquisitions.
Summary
Community Bank System Inc. is a well-established regional bank with diversified revenue streams and a strong customer base. Its focus on community banking and wealth management provides stability. The company faces competition from larger banks and fintech firms, and is working to enhance its digital offerings to stay competitive and to manage the regional economy impacts.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise.
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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