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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 0.35
CBU's Cash to Debt is ranked higher than
61% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. CBU: 0.35 )
CBU' s 10-Year Cash to Debt Range
Min: 0.1   Max: 157.17
Current: 0.35

0.1
157.17
Equity to Asset 0.13
CBU's Equity to Asset is ranked higher than
86% of the 1996 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 1825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. CBU: 4.26 )
CBU' s 10-Year Interest Coverage Range
Min: 0.29   Max: 4.26
Current: 4.26

0.29
4.26
F-Score: 6
Z-Score: 0.34
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 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.16 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
79% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. CBU: 23.66 )
CBU' s 10-Year Net-margin (%) Range
Min: 15.21   Max: 25.68
Current: 23.66

15.21
25.68
ROE (%) 9.14
CBU's ROE (%) is ranked higher than
78% of the 2016 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.57 vs. CBU: 9.14 )
CBU' s 10-Year ROE (%) Range
Min: 7.47   Max: 16.39
Current: 9.14

7.47
16.39
ROA (%) 1.14
CBU's ROA (%) is ranked higher than
86% of the 2019 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CBU: 1.14 )
CBU' s 10-Year ROA (%) Range
Min: 0.73   Max: 1.23
Current: 1.14

0.73
1.23
ROC (Joel Greenblatt) (%) 129.09
CBU's ROC (Joel Greenblatt) (%) is ranked higher than
84% of the 1989 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.96 vs. CBU: 129.09 )
CBU' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 10.06   Max: 223.67
Current: 129.09

10.06
223.67
Revenue Growth (%) 1.10
CBU's Revenue Growth (%) is ranked higher than
75% of the 1727 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. CBU: 1.10 )
CBU' s 10-Year Revenue Growth (%) Range
Min: -7.9   Max: 16.7
Current: 1.1

-7.9
16.7
EBITDA Growth (%) 1.00
CBU's EBITDA Growth (%) is ranked higher than
67% of the 1558 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. CBU: 1.00 )
CBU' s 10-Year EBITDA Growth (%) Range
Min: -13.3   Max: 19.8
Current: 1

-13.3
19.8
EPS Growth (%) 0.90
CBU's EPS Growth (%) is ranked higher than
66% of the 1545 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

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

Paul Tudor Jones 9,200 sh (New)
Jim Simons 8,200 sh (New)
» More
Q3 2014

CBU Guru Trades in Q3 2014

Jim Simons 58,500 sh (+613.41%)
Paul Tudor Jones 10,500 sh (+14.13%)
» 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) 18.60
CBU's P/E(ttm) is ranked higher than
73% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.50 vs. CBU: 18.60 )
CBU' s 10-Year P/E(ttm) Range
Min: 9.66   Max: 20.72
Current: 18.6

9.66
20.72
P/B 1.59
CBU's P/B is ranked higher than
68% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. CBU: 1.59 )
CBU' s 10-Year P/B Range
Min: 0.83   Max: 2.01
Current: 1.59

0.83
2.01
P/S 4.37
CBU's P/S is ranked higher than
68% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.61 vs. CBU: 4.37 )
CBU' s 10-Year P/S Range
Min: 1.92   Max: 4.78
Current: 4.37

1.92
4.78
PFCF 14.14
CBU's PFCF is ranked higher than
85% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CBU: 14.14 )
CBU' s 10-Year PFCF Range
Min: 8.35   Max: 29.1
Current: 14.14

8.35
29.1
EV-to-EBIT 15.33
CBU's EV-to-EBIT is ranked higher than
77% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.80 vs. CBU: 15.33 )
CBU' s 10-Year EV-to-EBIT Range
Min: 11.5   Max: 37.6
Current: 15.33

11.5
37.6
PEG 2.30
CBU's PEG is ranked higher than
86% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CBU: 2.30 )
CBU' s 10-Year PEG Range
Min: 0.85   Max: 40.42
Current: 2.3

0.85
40.42
Shiller P/E 19.48
CBU's Shiller P/E is ranked higher than
85% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CBU: 19.48 )
CBU' s 10-Year Shiller P/E Range
Min: 8.82   Max: 21.92
Current: 19.48

8.82
21.92

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.00
CBU's Dividend Yield is ranked higher than
68% of the 1871 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.25 vs. CBU: 3.00 )
CBU' s 10-Year Dividend Yield Range
Min: 2.35   Max: 6.25
Current: 3

2.35
6.25
Dividend Payout 0.56
CBU's Dividend Payout is ranked higher than
79% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. CBU: 0.56 )
CBU' s 10-Year Dividend Payout Range
Min: 0.19   Max: 1.5
Current: 0.56

0.19
1.5
Dividend growth (3y) 5.40
CBU's Dividend growth (3y) is ranked higher than
77% of the 1118 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 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) 3.98
CBU's Yield on cost (5-Year) is ranked higher than
72% of the 1883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.50 vs. CBU: 3.98 )
CBU' s 10-Year Yield on cost (5-Year) Range
Min: 3.12   Max: 8.29
Current: 3.98

3.12
8.29
Share Buyback Rate -6.80
CBU's Share Buyback Rate is ranked higher than
62% of the 1472 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 2.66
CBU's Price/Tangible Book is ranked higher than
64% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. CBU: 2.66 )
CBU' s 10-Year Price/Tangible Book Range
Min: 0.87   Max: 8.5
Current: 2.66

0.87
8.5
Price/DCF (Projected) 0.97
CBU's Price/DCF (Projected) is ranked higher than
79% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.54 vs. CBU: 0.97 )
CBU' s 10-Year Price/DCF (Projected) Range
Min: 0.38   Max: 1.91
Current: 0.97

0.38
1.91
Price/Median PS Value 1.28
CBU's Price/Median PS Value is ranked higher than
72% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. CBU: 1.28 )
CBU' s 10-Year Price/Median PS Value Range
Min: 0.45   Max: 1.38
Current: 1.28

0.45
1.38
Price/Peter Lynch Fair Value 3.02
CBU's Price/Peter Lynch Fair Value is ranked higher than
88% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CBU: 3.02 )
CBU' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.7   Max: 3.62
Current: 3.02

0.7
3.62
Price/Graham Number 1.47
CBU's Price/Graham Number is ranked higher than
68% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. CBU: 1.47 )
CBU' s 10-Year Price/Graham Number Range
Min: 0.47   Max: 3.28
Current: 1.47

0.47
3.28
Earnings Yield (Greenblatt) 6.50
CBU's Earnings Yield (Greenblatt) is ranked higher than
73% of the 1973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. CBU: 6.50 )
CBU' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.7   Max: 8.7
Current: 6.5

2.7
8.7
Forward Rate of Return (Yacktman) 12.13
CBU's Forward Rate of Return (Yacktman) is ranked higher than
70% of the 1512 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.69 vs. CBU: 12.13 )
CBU' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -1.7   Max: 22.9
Current: 12.13

-1.7
22.9

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. It is a single bank holding company.The Bank operates as a community bank and engages in banking, employee benefit services and wealth management services. The Bank operates 183 full-service branches. Its subsidiaries also provide defined contribution plan administration services, actuarial and benefit consulting services, Collective Investment Fund administration and institutional trust services, administration, servicing and marketing of various flexible employee benefit programs, broking services, issues mandatorily-redeemable preferred securities which are considered Tier I capital under regulatory capital adequacy guidelines. The Banks subsidiaries provide full-service insurance agency offerings primarily property and casualty products, invests in residential real estate loans, cash management, investment, and treasury services to the Bank, broker-dealer and investment advisory services, banking-related services to the Pennsylvania branches of the Bank, asset management services to individuals, corporations, corporate pension and profit sharing plans, and foundations. 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.
» More Articles for CBU

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