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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 0.61
CBU's Cash to Debt is ranked higher than
68% of the 1274 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CBU: 0.61 )
CBU' s 10-Year Cash to Debt Range
Min: 0.13   Max: 2.46
Current: 0.61

0.13
2.46
Equity to Asset 0.12
CBU's Equity to Asset is ranked higher than
80% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CBU: 0.12 )
CBU' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.12
Current: 0.12

0.06
0.12
Interest Coverage 4.26
CBU's Interest Coverage is ranked higher than
90% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 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: 4
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 : 7/10

vs
industry
vs
history
Operating margin (%) 32.63
CBU's Operating margin (%) is ranked higher than
77% of the 1455 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.05 vs. CBU: 32.63 )
CBU' s 10-Year Operating margin (%) Range
Min: 21.31   Max: 37.23
Current: 32.63

21.31
37.23
Net-margin (%) 23.17
CBU's Net-margin (%) is ranked higher than
78% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.45 vs. CBU: 23.17 )
CBU' s 10-Year Net-margin (%) Range
Min: 15.55   Max: 25.68
Current: 23.17

15.55
25.68
ROE (%) 9.00
CBU's ROE (%) is ranked higher than
78% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.96 vs. CBU: 9.00 )
CBU' s 10-Year ROE (%) Range
Min: 7.14   Max: 21.81
Current: 9

7.14
21.81
ROA (%) 1.11
CBU's ROA (%) is ranked higher than
86% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. CBU: 1.11 )
CBU' s 10-Year ROA (%) Range
Min: 0.6   Max: 1.29
Current: 1.11

0.6
1.29
ROC (Joel Greenblatt) (%) 118.57
CBU's ROC (Joel Greenblatt) (%) is ranked higher than
82% of the 1430 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.30 vs. CBU: 118.57 )
CBU' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 12.13   Max: 120.98
Current: 118.57

12.13
120.98
Revenue Growth (%) 1.10
CBU's Revenue Growth (%) is ranked higher than
73% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 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
63% of the 1123 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 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
63% of the 1105 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.50 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

Q1 2013

CBU Guru Trades in Q1 2013

Jim Simons Sold Out
» More
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
» Details

Insider Trades

Latest Guru Trades with CBU



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 20.00
CBU's P/E(ttm) is ranked lower than
52% of the 1452 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.70 vs. CBU: 20.00 )
CBU' s 10-Year P/E(ttm) Range
Min: 9.66   Max: 20.72
Current: 20

9.66
20.72
P/B 1.78
CBU's P/B is ranked lower than
57% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CBU: 1.78 )
CBU' s 10-Year P/B Range
Min: 0.83   Max: 2.01
Current: 1.78

0.83
2.01
P/S 4.61
CBU's P/S is ranked lower than
69% of the 1640 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. CBU: 4.61 )
CBU' s 10-Year P/S Range
Min: 1.92   Max: 8.04
Current: 4.61

1.92
8.04
PFCF 18.08
CBU's PFCF is ranked lower than
69% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. CBU: 18.08 )
CBU' s 10-Year PFCF Range
Min: 5.01   Max: 30.95
Current: 18.08

5.01
30.95
EV-to-EBIT 16.29
CBU's EV-to-EBIT is ranked higher than
63% of the 1410 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.82 vs. CBU: 16.29 )
CBU' s 10-Year EV-to-EBIT Range
Min: 11.5   Max: 51.1
Current: 16.29

11.5
51.1
PEG 2.49
CBU's PEG is ranked higher than
50% of the 849 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.02 vs. CBU: 2.49 )
CBU' s 10-Year PEG Range
Min: 0.81   Max: 46.11
Current: 2.49

0.81
46.11
Shiller P/E 21.10
CBU's Shiller P/E is ranked higher than
54% of the 841 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.04 vs. CBU: 21.10 )
CBU' s 10-Year Shiller P/E Range
Min: 8.82   Max: 21.92
Current: 21.1

8.82
21.92

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.87
CBU's Dividend Yield is ranked higher than
63% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. CBU: 2.87 )
CBU' s 10-Year Dividend Yield Range
Min: 2.28   Max: 6.25
Current: 2.87

2.28
6.25
Dividend Payout 0.57
CBU's Dividend Payout is ranked lower than
57% of the 1131 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. CBU: 0.57 )
CBU' s 10-Year Dividend Payout Range
Min: 0.32   Max: 0.7
Current: 0.57

0.32
0.7
Dividend growth (3y) 5.40
CBU's Dividend growth (3y) is ranked higher than
78% of the 810 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 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) 3.84
CBU's Yield on cost (5-Year) is ranked higher than
67% of the 1328 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.62 vs. CBU: 3.84 )
CBU' s 10-Year Yield on cost (5-Year) Range
Min: 3.02   Max: 8.29
Current: 3.84

3.02
8.29
Share Buyback Rate -6.80
CBU's Share Buyback Rate is ranked higher than
60% of the 1172 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.60 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 3.22
CBU's Price/Tangible Book is ranked lower than
67% of the 1362 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. CBU: 3.22 )
CBU' s 10-Year Price/Tangible Book Range
Min: 1.18   Max: 4.25
Current: 3.22

1.18
4.25
Price/DCF (Projected) 1.11
CBU's Price/DCF (Projected) is ranked lower than
57% of the 904 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. CBU: 1.11 )
CBU' s 10-Year Price/DCF (Projected) Range
Min: 0.38   Max: 1.21
Current: 1.11

0.38
1.21
Price/Median PS Value 1.36
CBU's Price/Median PS Value is ranked lower than
57% of the 1478 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. CBU: 1.36 )
CBU' s 10-Year Price/Median PS Value Range
Min: 0.49   Max: 2.35
Current: 1.36

0.49
2.35
Price/Peter Lynch Fair Value 2.07
CBU's Price/Peter Lynch Fair Value is ranked lower than
63% of the 444 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. CBU: 2.07 )
CBU' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.73   Max: 3.48
Current: 2.07

0.73
3.48
Price/Graham Number 1.69
CBU's Price/Graham Number is ranked lower than
65% of the 1341 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. CBU: 1.69 )
CBU' s 10-Year Price/Graham Number Range
Min: 0.6   Max: 1.73
Current: 1.69

0.6
1.73
Earnings Yield (Greenblatt) 6.10
CBU's Earnings Yield (Greenblatt) is ranked higher than
68% of the 1411 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. CBU: 6.10 )
CBU' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2   Max: 8.7
Current: 6.1

2
8.7
Forward Rate of Return (Yacktman) 13.79
CBU's Forward Rate of Return (Yacktman) is ranked higher than
72% of the 1095 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.48 vs. CBU: 13.79 )
CBU' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 2.4   Max: 23
Current: 13.79

2.4
23

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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

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