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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.38
CBU's Cash to Debt is ranked higher than
64% of the 1365 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. CBU: 0.38 )
CBU' s 10-Year Cash to Debt Range
Min: 0.1   Max: 157.17
Current: 0.38

0.1
157.17
Equity to Asset 0.13
CBU's Equity to Asset is ranked higher than
87% of the 1753 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. CBU: 0.13 )
CBU' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.13
Current: 0.13

0.06
0.13
Interest Coverage 4.26
CBU's Interest Coverage is ranked higher than
89% of the 1622 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. CBU: 4.26 )
CBU' s 10-Year Interest Coverage Range
Min: 0.27   Max: 4.26
Current: 4.26

0.27
4.26
F-Score: 6
Z-Score: 0.33
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry
vs
history
Operating margin (%) 33.57
CBU's Operating margin (%) is ranked higher than
81% of the 1776 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.81 vs. CBU: 33.57 )
CBU' s 10-Year Operating margin (%) Range
Min: 21.31   Max: 37.23
Current: 33.57

21.31
37.23
Net-margin (%) 23.66
CBU's Net-margin (%) is ranked higher than
80% of the 1783 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.59 vs. CBU: 23.66 )
CBU' s 10-Year Net-margin (%) Range
Min: 15.55   Max: 25.68
Current: 23.66

15.55
25.68
ROE (%) 9.14
CBU's ROE (%) is ranked higher than
79% of the 1790 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.54 vs. CBU: 9.14 )
CBU' s 10-Year ROE (%) Range
Min: 7.47   Max: 20.69
Current: 9.14

7.47
20.69
ROA (%) 1.14
CBU's ROA (%) is ranked higher than
88% of the 1790 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. CBU: 1.14 )
CBU' s 10-Year ROA (%) Range
Min: 0.65   Max: 1.34
Current: 1.14

0.65
1.34
ROC (Joel Greenblatt) (%) 155.11
CBU's ROC (Joel Greenblatt) (%) is ranked higher than
85% of the 1757 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 72.81 vs. CBU: 155.11 )
CBU' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 15.56   Max: 223.67
Current: 155.11

15.56
223.67
Revenue Growth (%) 1.10
CBU's Revenue Growth (%) is ranked higher than
75% of the 1555 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. CBU: 1.10 )
CBU' s 10-Year Revenue Growth (%) Range
Min: -0.7   Max: 10.1
Current: 1.1

-0.7
10.1
EBITDA Growth (%) 0.60
CBU's EBITDA Growth (%) is ranked higher than
66% of the 1398 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. CBU: 0.60 )
CBU' s 10-Year EBITDA Growth (%) Range
Min: -13.3   Max: 20.2
Current: 0.6

-13.3
20.2
EPS Growth (%) 0.90
CBU's EPS Growth (%) is ranked higher than
67% of the 1407 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. CBU: 0.90 )
CBU' s 10-Year EPS Growth (%) Range
Min: -7.7   Max: 26.5
Current: 0.9

-7.7
26.5
» CBU's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2013

CBU Guru Trades in Q2 2013

Jim Simons 10,600 sh (New)
» More
Q3 2013

CBU Guru Trades in Q3 2013

Jim Simons 7,600 sh (-28.3%)
» More
Q4 2013

CBU Guru Trades in Q4 2013

Jim Simons Sold Out
» More
Q2 2014

CBU Guru Trades in Q2 2014

Jim Simons 8,200 sh (New)
Paul Tudor Jones 9,200 sh (New)
» More
» Details

Insider Trades

Latest Guru Trades with CBU

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 17.20
CBU's P/E(ttm) is ranked higher than
69% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.50 vs. CBU: 17.20 )
CBU' s 10-Year P/E(ttm) Range
Min: 9.66   Max: 20.72
Current: 17.2

9.66
20.72
P/B 1.49
CBU's P/B is ranked higher than
63% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. CBU: 1.49 )
CBU' s 10-Year P/B Range
Min: 0.83   Max: 2.01
Current: 1.49

0.83
2.01
P/S 4.09
CBU's P/S is ranked higher than
63% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.97 vs. CBU: 4.09 )
CBU' s 10-Year P/S Range
Min: 1.92   Max: 8.04
Current: 4.09

1.92
8.04
PFCF 15.38
CBU's PFCF is ranked higher than
76% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 98.89 vs. CBU: 15.38 )
CBU' s 10-Year PFCF Range
Min: 5.91   Max: 27.46
Current: 15.38

5.91
27.46
EV-to-EBIT 14.25
CBU's EV-to-EBIT is ranked higher than
78% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.23 vs. CBU: 14.25 )
CBU' s 10-Year EV-to-EBIT Range
Min: 11.5   Max: 51.1
Current: 14.25

11.5
51.1
PEG 2.15
CBU's PEG is ranked higher than
83% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CBU: 2.15 )
CBU' s 10-Year PEG Range
Min: 0.81   Max: 37.31
Current: 2.15

0.81
37.31
Shiller P/E 18.12
CBU's Shiller P/E is ranked higher than
83% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 27.04 vs. CBU: 18.12 )
CBU' s 10-Year Shiller P/E Range
Min: 8.87   Max: 22.04
Current: 18.12

8.87
22.04

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.27
CBU's Dividend Yield is ranked higher than
69% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.44 vs. CBU: 3.27 )
CBU' s 10-Year Dividend Yield Range
Min: 2.35   Max: 6.25
Current: 3.27

2.35
6.25
Dividend Payout 0.55
CBU's Dividend Payout is ranked higher than
91% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.47 vs. CBU: 0.55 )
CBU' s 10-Year Dividend Payout Range
Min: 0.19   Max: 1.5
Current: 0.55

0.19
1.5
Dividend growth (3y) 5.40
CBU's Dividend growth (3y) is ranked higher than
77% of the 1053 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. CBU: 5.40 )
CBU' s 10-Year Dividend growth (3y) Range
Min: 4.1   Max: 11.8
Current: 5.4

4.1
11.8
Yield on cost (5-Year) 4.37
CBU's Yield on cost (5-Year) is ranked higher than
69% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. CBU: 4.37 )
CBU' s 10-Year Yield on cost (5-Year) Range
Min: 3.12   Max: 8.29
Current: 4.37

3.12
8.29
Share Buyback Rate -6.80
CBU's Share Buyback Rate is ranked higher than
62% of the 1327 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. CBU: -6.80 )
CBU' s 10-Year Share Buyback Rate Range
Min: 0.4   Max: -18.5
Current: -6.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.51
CBU's Price/Tangible Book is ranked higher than
57% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.32 vs. CBU: 2.51 )
CBU' s 10-Year Price/Tangible Book Range
Min: 0.87   Max: 8.5
Current: 2.51

0.87
8.5
Price/DCF (Projected) 0.94
CBU's Price/DCF (Projected) is ranked higher than
73% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. CBU: 0.94 )
CBU' s 10-Year Price/DCF (Projected) Range
Min: 0.38   Max: 1.43
Current: 0.94

0.38
1.43
Price/Median PS Value 1.20
CBU's Price/Median PS Value is ranked higher than
67% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. CBU: 1.20 )
CBU' s 10-Year Price/Median PS Value Range
Min: 0.45   Max: 2.16
Current: 1.2

0.45
2.16
Price/Peter Lynch Fair Value 2.29
CBU's Price/Peter Lynch Fair Value is ranked higher than
86% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CBU: 2.29 )
CBU' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.7   Max: 3.62
Current: 2.29

0.7
3.62
Price/Graham Number 1.38
CBU's Price/Graham Number is ranked higher than
63% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. CBU: 1.38 )
CBU' s 10-Year Price/Graham Number Range
Min: 0.47   Max: 2.83
Current: 1.38

0.47
2.83
Earnings Yield (Greenblatt) 7.00
CBU's Earnings Yield (Greenblatt) is ranked higher than
74% of the 1692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.00 vs. CBU: 7.00 )
CBU' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2   Max: 8.7
Current: 7

2
8.7
Forward Rate of Return (Yacktman) 12.33
CBU's Forward Rate of Return (Yacktman) is ranked higher than
72% of the 1423 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.24 vs. CBU: 12.33 )
CBU' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 1.5   Max: 22.4
Current: 12.33

1.5
22.4

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:CBY.Germany
Community Bank System Inc., was incorporated on April 15, 1983, under the Delaware General Corporation Law. The Company is a single bank holding company which wholly-owns five subsidiaries: Community Bank, N.A. (the Bank), Benefit Plans Administrative Services, Inc. (BPAS), CFSI Closeout Corp. (CFSICC), First of Jermyn Realty Company, Inc. (FJRC) and Town & Country Agency LLC (T&C). BPAS owns three subsidiaries, Benefit Plans Administrative Services LLC (BPA), Harbridge Consulting Group LLC (Harbridge) and Hand Benefit & Trust Company (HBT). BPAS provides administration; consulting and actuarial services to sponsors of employee benefit plans. CFSICC, FJRC and T&C are inactive companies. The Company also wholly-owns two unconsolidated subsidiary business trusts formed for the purpose of issuing mandatorily redeemable preferred securities which are considered Tier I capital under regulatory capital adequacy guidelines. The Bank is a community bank committed to the philosophy of serving the financial needs of customers in local communities. The Bank's business philosophy is to operate as a community bank with local decision-making, mainly in non-metropolitan markets, providing an array of banking and financial services to retail, commercial, and municipal customers. As of December 31, 2012 the Bank operates 179 full-service branches throughout 35 counties of Upstate New York, where it operates as Community Bank, N.A. and five counties of Northeastern Pennsylvania, where it is known as First Liberty Bank & Trust, offering a range of commercial and retail banking services. The Bank owns the following subsidiaries: CBNA Insurance Agency, Inc. ('CBNA Insurance'), CBNA Preferred Funding Corporation ('PFC'), CBNA Treasury Management Corporation ('TMC'), Community Investment Services, Inc. ('CISI'), First Liberty Service Corp. ('FLSC'), Nottingham Advisors, Inc. ('Nottingham'), Brilie Corporation ('Brilie'), and Western Catskill Realty, LLC ('WCR'). CBNA Insurance is a full-service insurance agency offering primarily property and casualty products. PFC primarily acts as an investor in residential real estate loans. TMC provides cash management, investment, and treasury services to the Bank. CISI provides broker-dealer and investment advisory services. FLSC provides banking-related services to the Pennsylvania branches of the Bank. Nottingham provides asset management services to individuals, corporate pension and profit sharing plans, and foundations. Brilie and WCR are inactive companies. The Company competes actively for loans, deposits and customers with other national and state banks, thrift institutions, credit unions, retail brokerage firms, mortgage bankers, finance companies, insurance companies, and other regulated and unregulated providers of financial services. The Company and its subsidiaries are subject to the laws and regulations of the federal government and the states in which they conduct business. The Company, as a bank h
» More Articles for CBU

Headlines

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More From Other Websites
Community Bank System, Inc. 2014 Investor Day on October 29 Oct 21 2014
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Community Bank System Announces Second Quarter 2014 Earnings Conference Call Jul 16 2014
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Community Bank System, Inc. Declares Dividend and Announces Results of 2014 Annual Meeting May 15 2014
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