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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 0.21
CBU's Cash to Debt is ranked lower than
82% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. CBU: 0.21 )
Ranked among companies with meaningful Cash to Debt only.
CBU' s 10-Year Cash to Debt Range
Min: 0.1  Med: 0.27 Max: 157.17
Current: 0.21
0.1
157.17
Equity to Asset 0.13
CBU's Equity to Asset is ranked higher than
76% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CBU: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
CBU' s 10-Year Equity to Asset Range
Min: 0.06  Med: 0.10 Max: 0.13
Current: 0.13
0.06
0.13
Interest Coverage 11.00
CBU's Interest Coverage is ranked higher than
92% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. CBU: 11.00 )
Ranked among companies with meaningful Interest Coverage only.
CBU' s 10-Year Interest Coverage Range
Min: 0.29  Med: 0.60 Max: 11
Current: 11
0.29
11
F-Score: 4
WACC vs ROIC
8.60%
7.11%
WACC
ROIC
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 (%) 35.99
CBU's Operating margin (%) is ranked higher than
65% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. CBU: 35.99 )
Ranked among companies with meaningful Operating margin (%) only.
CBU' s 10-Year Operating margin (%) Range
Min: 21.31  Med: 32.29 Max: 37.23
Current: 35.99
21.31
37.23
Net-margin (%) 25.18
CBU's Net-margin (%) is ranked higher than
61% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. CBU: 25.18 )
Ranked among companies with meaningful Net-margin (%) only.
CBU' s 10-Year Net-margin (%) Range
Min: 15.21  Med: 22.35 Max: 25.68
Current: 25.18
15.21
25.68
ROE (%) 9.26
CBU's ROE (%) is ranked higher than
56% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. CBU: 9.26 )
Ranked among companies with meaningful ROE (%) only.
CBU' s 10-Year ROE (%) Range
Min: 7.47  Med: 10.80 Max: 15.39
Current: 9.26
7.47
15.39
ROA (%) 1.21
CBU's ROA (%) is ranked higher than
71% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. CBU: 1.21 )
Ranked among companies with meaningful ROA (%) only.
CBU' s 10-Year ROA (%) Range
Min: 0.65  Med: 1.08 Max: 1.25
Current: 1.21
0.65
1.25
Revenue Growth (3Y)(%) 2.40
CBU's Revenue Growth (3Y)(%) is ranked higher than
52% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. CBU: 2.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CBU' s 10-Year Revenue Growth (3Y)(%) Range
Min: -7.9  Med: 2.90 Max: 16.7
Current: 2.4
-7.9
16.7
EBITDA Growth (3Y)(%) 2.70
CBU's EBITDA Growth (3Y)(%) is ranked lower than
65% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. CBU: 2.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CBU' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -13.3  Med: 2.10 Max: 20.2
Current: 2.7
-13.3
20.2
EPS Growth (3Y)(%) 3.40
CBU's EPS Growth (3Y)(%) is ranked lower than
66% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. CBU: 3.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CBU' s 10-Year EPS Growth (3Y)(%) Range
Min: -7.7  Med: 4.70 Max: 26.5
Current: 3.4
-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 2014

CBU Guru Trades in Q3 2014

Jim Simons 58,500 sh (+613.41%)
Paul Tudor Jones 10,500 sh (+14.13%)
» More
Q4 2014

CBU Guru Trades in Q4 2014

Paul Tudor Jones Sold Out
Jim Simons 21,900 sh (-62.56%)
» More
Q1 2015

CBU Guru Trades in Q1 2015

Paul Tudor Jones 18,700 sh (New)
Jim Simons 70,500 sh (+221.92%)
» More
Q2 2015

CBU Guru Trades in Q2 2015

Jim Simons 76,600 sh (+8.65%)
Paul Tudor Jones Sold Out
» 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%)

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Ratios

vs
industry
vs
history
P/E(ttm) 15.55
CBU's P/E(ttm) is ranked lower than
66% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. CBU: 15.55 )
Ranked among companies with meaningful P/E(ttm) only.
CBU' s 10-Year P/E(ttm) Range
Min: 9.66  Med: 14.96 Max: 20.72
Current: 15.55
9.66
20.72
Forward P/E 15.17
CBU's Forward P/E is ranked lower than
80% of the 714 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.85 vs. CBU: 15.17 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 15.90
CBU's PE(NRI) is ranked lower than
66% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. CBU: 15.90 )
Ranked among companies with meaningful PE(NRI) only.
CBU' s 10-Year PE(NRI) Range
Min: 9.67  Med: 14.95 Max: 20.68
Current: 15.9
9.67
20.68
P/B 1.41
CBU's P/B is ranked lower than
76% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. CBU: 1.41 )
Ranked among companies with meaningful P/B only.
CBU' s 10-Year P/B Range
Min: 0.83  Med: 1.38 Max: 2.01
Current: 1.41
0.83
2.01
P/S 3.91
CBU's P/S is ranked lower than
73% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. CBU: 3.91 )
Ranked among companies with meaningful P/S only.
CBU' s 10-Year P/S Range
Min: 1.92  Med: 3.43 Max: 4.78
Current: 3.91
1.92
4.78
PFCF 13.77
CBU's PFCF is ranked lower than
66% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. CBU: 13.77 )
Ranked among companies with meaningful PFCF only.
CBU' s 10-Year PFCF Range
Min: 5.91  Med: 12.43 Max: 27.46
Current: 13.77
5.91
27.46
POCF 11.95
CBU's POCF is ranked lower than
67% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. CBU: 11.95 )
Ranked among companies with meaningful POCF only.
CBU' s 10-Year POCF Range
Min: 5.3  Med: 10.73 Max: 19.35
Current: 11.95
5.3
19.35
EV-to-EBIT 14.91
CBU's EV-to-EBIT is ranked lower than
57% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. CBU: 14.91 )
Ranked among companies with meaningful EV-to-EBIT only.
CBU' s 10-Year EV-to-EBIT Range
Min: 11.5  Med: 18.45 Max: 37.6
Current: 14.91
11.5
37.6
PEG 2.12
CBU's PEG is ranked lower than
75% of the 619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. CBU: 2.12 )
Ranked among companies with meaningful PEG only.
CBU' s 10-Year PEG Range
Min: 0.83  Med: 1.63 Max: 40.42
Current: 2.12
0.83
40.42
Shiller P/E 16.97
CBU's Shiller P/E is ranked lower than
58% of the 786 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.81 vs. CBU: 16.97 )
Ranked among companies with meaningful Shiller P/E only.
CBU' s 10-Year Shiller P/E Range
Min: 8.82  Med: 15.71 Max: 22.04
Current: 16.97
8.82
22.04
Days Sales Outstanding 24.90
CBU's Days Sales Outstanding is ranked higher than
69% of the 795 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. CBU: 24.90 )
Ranked among companies with meaningful Days Sales Outstanding only.
CBU' s 10-Year Days Sales Outstanding Range
Min: 24.75  Med: 52.02 Max: 86.59
Current: 24.9
24.75
86.59

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.47
CBU's Dividend Yield is ranked higher than
62% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. CBU: 3.47 )
Ranked among companies with meaningful Dividend Yield only.
CBU' s 10-Year Dividend Yield Range
Min: 2.35  Med: 3.63 Max: 6.25
Current: 3.47
2.35
6.25
Dividend Payout 0.54
CBU's Dividend Payout is ranked lower than
77% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. CBU: 0.54 )
Ranked among companies with meaningful Dividend Payout only.
CBU' s 10-Year Dividend Payout Range
Min: 0.19  Med: 0.49 Max: 1.5
Current: 0.54
0.19
1.5
Dividend growth (3y) 5.10
CBU's Dividend growth (3y) is ranked lower than
58% of the 674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CBU: 5.10 )
Ranked among companies with meaningful Dividend growth (3y) only.
CBU' s 10-Year Dividend growth (3y) Range
Min: 4.1  Med: 6.40 Max: 11.8
Current: 5.1
4.1
11.8
Yield on cost (5-Year) 4.43
CBU's Yield on cost (5-Year) is ranked higher than
65% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. CBU: 4.43 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CBU' s 10-Year Yield on cost (5-Year) Range
Min: 3.09  Med: 4.77 Max: 8.21
Current: 4.43
3.09
8.21
Share Buyback Rate -4.30
CBU's Share Buyback Rate is ranked lower than
62% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. CBU: -4.30 )
Ranked among companies with meaningful Share Buyback Rate only.
CBU' s 10-Year Share Buyback Rate Range
Min: 0.4  Med: -5.50 Max: -18.5
Current: -4.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.36
CBU's Price/Tangible Book is ranked lower than
91% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. CBU: 2.36 )
Ranked among companies with meaningful Price/Tangible Book only.
CBU' s 10-Year Price/Tangible Book Range
Min: 1.18  Med: 2.61 Max: 4.15
Current: 2.36
1.18
4.15
Price/Projected FCF 0.90
CBU's Price/Projected FCF is ranked lower than
71% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. CBU: 0.90 )
Ranked among companies with meaningful Price/Projected FCF only.
CBU' s 10-Year Price/Projected FCF Range
Min: 0.38  Med: 0.74 Max: 1.49
Current: 0.9
0.38
1.49
Price/Median PS Value 1.18
CBU's Price/Median PS Value is ranked lower than
66% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. CBU: 1.18 )
Ranked among companies with meaningful Price/Median PS Value only.
CBU' s 10-Year Price/Median PS Value Range
Min: 0.53  Med: 0.90 Max: 1.38
Current: 1.18
0.53
1.38
Price/Graham Number 1.29
CBU's Price/Graham Number is ranked lower than
85% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. CBU: 1.29 )
Ranked among companies with meaningful Price/Graham Number only.
CBU' s 10-Year Price/Graham Number Range
Min: 0.59  Med: 1.31 Max: 1.75
Current: 1.29
0.59
1.75
Earnings Yield (Greenblatt) (%) 6.71
CBU's Earnings Yield (Greenblatt) (%) is ranked lower than
51% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. CBU: 6.71 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CBU' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 2.7  Med: 5.40 Max: 8.7
Current: 6.71
2.7
8.7
Forward Rate of Return (Yacktman) (%) 9.60
CBU's Forward Rate of Return (Yacktman) (%) is ranked lower than
61% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. CBU: 9.60 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CBU' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -3  Med: 13.70 Max: 23.7
Current: 9.6
-3
23.7

Analyst Estimate

Dec15 Dec16
EPS($) 2.30 2.35
EPS without NRI($) 2.30 2.35

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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