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Upturn AI SWOT - About
CBU 
Community Bank System Inc (CBU)
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Upturn Advisory Summary
10/24/2025: 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 $68
1 Year Target Price $68
| 2 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -38.85% | Avg. Invested days 27 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/24/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.02B USD | Price to earnings Ratio 14.79 | 1Y Target Price 68 |
Price to earnings Ratio 14.79 | 1Y Target Price 68 | ||
Volume (30-day avg) 6 | Beta 0.77 | 52 Weeks Range 48.66 - 71.14 | Updated Date 10/25/2025 |
52 Weeks Range 48.66 - 71.14 | Updated Date 10/25/2025 | ||
Dividends yield (FY) 3.27% | Basic EPS (TTM) 3.88 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date 2025-10-21 | When Before Market | Estimate 1.05 | Actual 1.09 |
Profitability
Profit Margin 26.51% | Operating Margin (TTM) 37.93% |
Management Effectiveness
Return on Assets (TTM) 1.23% | Return on Equity (TTM) 11.05% |
Valuation
Trailing PE 14.79 | Forward PE 15.77 | Enterprise Value 3540374272 | Price to Sales(TTM) 3.89 |
Enterprise Value 3540374272 | Price to Sales(TTM) 3.89 | ||
Enterprise Value to Revenue 4.83 | Enterprise Value to EBITDA - | Shares Outstanding 52662000 | Shares Floating 52204367 |
Shares Outstanding 52662000 | Shares Floating 52204367 | ||
Percent Insiders 1.04 | Percent Institutions 75.96 |
Upturn AI SWOT
Community Bank System Inc
Company Overview
History and Background
Community Bank System Inc. was founded in 1983 and is headquartered in DeWitt, New York. Initially focused on serving communities in upstate New York, it has grown through acquisitions and organic growth to become a diversified financial services company with a presence across several northeastern states.
Core Business Areas
- Community Banking: Offers traditional banking services, including deposit accounts, loans, and other financial products to individuals, small businesses, and commercial customers.
- Wealth Management: Provides trust and asset management, financial planning, and investment advisory services.
- Employee Benefit Services: Offers retirement plan administration, actuarial services, and other employee benefit solutions.
- Insurance Services: Delivers property and casualty insurance, as well as other insurance products, to individuals and businesses.
Leadership and Structure
The company is led by its executive team, including the CEO, CFO, and other senior officers. The organizational structure typically involves regional and functional divisions to manage different business lines and geographic areas. Current CEO is Mark E. Tryniski.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, including working capital, expansion, and real estate. Market share is difficult to pinpoint precisely but is a significant part of Community Bank System's revenue. Competitors include KeyCorp (KEY), M&T Bank (MTB), and other regional banks.
- Residential Mortgages: Offers mortgage loans to individuals for purchasing or refinancing homes. Market share data is granular and difficult to obtain, but is a significant component of revenue. Competitors include large national banks like JPMorgan Chase (JPM) and Wells Fargo (WFC) as well as mortgage specialists.
- Wealth Management Services: Provides investment advisory and financial planning services to individuals and families. The wealth management industry is highly fragmented, making precise market share data challenging to determine. Competitors include firms such as Raymond James (RJF), LPL Financial (LPLA), and other RIAs and broker-dealers.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, evolving regulatory landscape, heightened competition from fintech companies, and a focus on digital transformation. The wealth management sector is experiencing growth driven by an aging population and increasing demand for financial planning services.
Positioning
Community Bank System Inc. positions itself as a relationship-focused community bank with a diversified revenue stream through its banking, wealth management, and insurance services. Its competitive advantage lies in its strong local presence, customer service, and ability to offer a broad range of financial solutions.
Total Addressable Market (TAM)
The total addressable market for community banking in the Northeast US is significant, estimated in the billions of dollars annually. Community Bank System Inc. captures a portion of this market through its branch network and online services, focusing on specific customer segments.
Upturn SWOT Analysis
Strengths
- Diversified revenue streams
- Strong local presence
- Experienced management team
- Solid capital base
- Consistent profitability
Weaknesses
- Geographic concentration in the Northeast
- Limited brand recognition outside of its core markets
- Exposure to interest rate risk
- Smaller size compared to larger national banks
Opportunities
- Expansion into new markets
- Strategic acquisitions
- Increased adoption of digital banking services
- Growing demand for wealth management services
- Capitalizing on regulatory changes favorable to community banks
Threats
- Increased competition from larger banks and fintech companies
- Economic downturns
- Rising interest rates
- Cybersecurity threats
- Regulatory changes
Competitors and Market Share
Key Competitors
- KEY
- MTB
- FULT
Competitive Landscape
Community Bank System Inc. competes with larger regional and national banks, as well as smaller community banks. Its competitive advantage lies in its local focus, customer service, and diversified revenue stream.
Major Acquisitions
OneGroup NY, Inc.
- Year: 2018
- Acquisition Price (USD millions): 126.3
- Strategic Rationale: Expanded insurance services and market presence.
Clifton Park Bank Corp.
- Year: 2017
- Acquisition Price (USD millions): 111
- Strategic Rationale: Strengthened presence in the Capital Region of New York.
Growth Trajectory and Initiatives
Historical Growth: Community Bank System Inc. has achieved steady growth through a combination of organic expansion and strategic acquisitions.
Future Projections: Analyst estimates suggest continued growth in revenue and earnings, driven by expansion into new markets and increased adoption of digital banking services.
Recent Initiatives: Recent strategic initiatives include investments in digital banking platforms, expansion of wealth management services, and strategic acquisitions to strengthen its market position.
Summary
Community Bank System Inc. is a financially sound company with diversified revenue streams and a strong local presence. It has demonstrated consistent profitability and growth through both organic expansion and strategic acquisitions. However, its geographic concentration and competition from larger banks remain challenges. The company should continue to invest in digital transformation and explore new market opportunities to sustain its growth trajectory.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Investor Presentations
- Earnings Call Transcripts
- Analyst Reports
Disclaimers:
This analysis is based on publicly available information and analyst estimates. Actual results may vary. This is not financial advice; consult with a qualified professional before making any investment decisions.
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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