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Upturn AI SWOT - About
CBU 
Community Bank System Inc (CBU)
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Upturn Advisory Summary
08/28/2025: 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 -35.57% | Avg. Invested days 24 | 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 08/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.20B USD | Price to earnings Ratio 16.5 | 1Y Target Price 67.4 |
Price to earnings Ratio 16.5 | 1Y Target Price 67.4 | ||
Volume (30-day avg) 6 | Beta 0.81 | 52 Weeks Range 49.04 - 71.71 | Updated Date 08/28/2025 |
52 Weeks Range 49.04 - 71.71 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 3.01% | Basic EPS (TTM) 3.67 |
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 16.5 | Forward PE 15.77 | Enterprise Value 3887026944 | Price to Sales(TTM) 4.23 |
Enterprise Value 3887026944 | Price to Sales(TTM) 4.23 | ||
Enterprise Value to Revenue 5.01 | Enterprise Value to EBITDA - | Shares Outstanding 52857100 | Shares Floating 52398806 |
Shares Outstanding 52857100 | Shares Floating 52398806 | ||
Percent Insiders 1.04 | Percent Institutions 75.79 |
Upturn AI SWOT
Community Bank System Inc
Company Overview
History and Background
Community Bank System Inc. was founded in 1901 as The First National Bank of Canton, Pennsylvania. It has grown organically and through acquisitions to become a diversified financial services company. Significant milestones include multiple bank and insurance agency acquisitions that expanded its geographic footprint and service offerings.
Core Business Areas
- Community Banking: Offers a range of banking products and services to individuals, businesses, and municipalities, including deposit accounts, loans, and other financial services.
- Wealth Management: Provides financial planning, investment management, and trust services to individuals and institutions.
- Employee Benefit Services: Offers actuarial, consulting, and administration services for employee benefit plans.
Leadership and Structure
Mark E. Tryniski serves as the Chief Executive Officer. The organizational structure includes executive leadership overseeing community banking, wealth management, and employee benefit services, with regional presidents managing local banking operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers loans to businesses for various purposes, including working capital, equipment financing, and real estate. Market share data is not explicitly available. Competitors include larger national and regional banks.
- Residential Mortgages: Provides mortgage loans to individuals for home purchases and refinancing. Market share data is not explicitly available. Competitors include national mortgage lenders and other regional banks.
- Wealth Management Services: Offers investment management, financial planning, and trust services. Competitors include major brokerage firms and wealth management companies.
Market Dynamics
Industry Overview
The banking industry is currently facing pressures from rising interest rates, increased competition from fintech companies, and evolving regulatory landscape.
Positioning
Community Bank System Inc. positions itself as a relationship-focused community bank with a diversified revenue stream through its wealth management and employee benefit services. Its competitive advantages include local market knowledge and strong customer relationships.
Total Addressable Market (TAM)
The total addressable market for banking services in the regions Community Bank System Inc. serves is estimated to be in the billions of dollars. The company is positioned to capture a share of this market through its community banking, wealth management and benefits solutions.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Diversified revenue streams
- Experienced management team
- Solid capital position
- Strong customer relationships
Weaknesses
- Limited geographic reach compared to larger banks
- Exposure to interest rate risk
- Dependency on local economies
- Higher cost structure than Fintech companies
Opportunities
- Acquisitions of smaller banks and financial institutions
- Expansion of wealth management services
- Increased demand for employee benefit services
- Leveraging technology to improve efficiency
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturns
- Regulatory changes
Competitors and Market Share
Key Competitors
- FULT
- BOH
- UMB
Competitive Landscape
Community Bank System Inc faces competition from larger regional and national banks, as well as smaller community banks. Its ability to maintain strong customer relationships and offer personalized services are key advantages. Larger competitors have greater resources and brand recognition, while smaller competitors may have more local market knowledge.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data is not available at this current time.
Future Projections: Future projections data is not available at this current time.
Recent Initiatives: Recent initiatives data is not available at this current time.
Summary
Community Bank System Inc. is a diversified financial services company with a strong local presence. Its diversified revenue streams provide stability, but it faces challenges from larger competitors and economic fluctuations. Focusing on strategic acquisitions and leveraging technology will be key to future growth. While it possesses strengths, close monitoring of competition and economic conditions is vital.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website, SEC filings, Market analysis reports (where available, data limited)
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is based on available estimates and may not be precise. Financial data points that are unknown are noted.
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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