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Also traded in: Germany

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 0.44
CBU's Cash to Debt is ranked lower than
73% of the 1134 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.18 vs. CBU: 0.44 )
Ranked among companies with meaningful Cash to Debt only.
CBU' s Cash to Debt Range Over the Past 10 Years
Min: 0.1  Med: 0.26 Max: 1.5
Current: 0.44
0.1
1.5
Equity to Asset 0.14
CBU's Equity to Asset is ranked higher than
81% of the 1602 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CBU: 0.14 )
Ranked among companies with meaningful Equity to Asset only.
CBU' s Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.11 Max: 0.14
Current: 0.14
0.06
0.14
Interest Coverage 12.07
CBU's Interest Coverage is ranked higher than
92% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. CBU: 12.07 )
Ranked among companies with meaningful Interest Coverage only.
CBU' s Interest Coverage Range Over the Past 10 Years
Min: 0.38  Med: 1.49 Max: 11.8
Current: 12.07
0.38
11.8
F-Score: 5
M-Score: -2.21
WACC vs ROIC
8.21%
6.71%
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 (%) 34.68
CBU's Operating margin (%) is ranked higher than
59% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.11 vs. CBU: 34.68 )
Ranked among companies with meaningful Operating margin (%) only.
CBU' s Operating margin (%) Range Over the Past 10 Years
Min: 21.31  Med: 32.29 Max: 35.68
Current: 34.68
21.31
35.68
Net-margin (%) 23.59
CBU's Net-margin (%) is ranked higher than
55% of the 1620 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.40 vs. CBU: 23.59 )
Ranked among companies with meaningful Net-margin (%) only.
CBU' s Net-margin (%) Range Over the Past 10 Years
Min: 16.64  Med: 23.28 Max: 25.14
Current: 23.59
16.64
25.14
ROE (%) 8.45
CBU's ROE (%) is ranked higher than
52% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.20 vs. CBU: 8.45 )
Ranked among companies with meaningful ROE (%) only.
CBU' s ROE (%) Range Over the Past 10 Years
Min: 7.47  Med: 9.05 Max: 10.7
Current: 8.45
7.47
10.7
ROA (%) 1.14
CBU's ROA (%) is ranked higher than
68% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. CBU: 1.14 )
Ranked among companies with meaningful ROA (%) only.
CBU' s ROA (%) Range Over the Past 10 Years
Min: 0.78  Med: 1.09 Max: 1.25
Current: 1.14
0.78
1.25
Revenue Growth (3Y)(%) 2.60
CBU's Revenue Growth (3Y)(%) is ranked lower than
51% of the 1336 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. CBU: 2.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CBU' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -7.9  Med: 2.80 Max: 16.7
Current: 2.6
-7.9
16.7
EBITDA Growth (3Y)(%) 4.50
CBU's EBITDA Growth (3Y)(%) is ranked lower than
55% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. CBU: 4.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CBU' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -13.3  Med: 2.10 Max: 20.1
Current: 4.5
-13.3
20.1
EPS Growth (3Y)(%) 4.30
CBU's EPS Growth (3Y)(%) is ranked lower than
60% of the 1211 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CBU: 4.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CBU' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -7.5  Med: 4.30 Max: 26.5
Current: 4.3
-7.5
26.5
» CBU's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-10-22)


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

» Details

Guru Trades

Q2 2015

CBU Guru Trades in Q2 2015

Jim Simons 76,600 sh (+8.65%)
Paul Tudor Jones Sold Out
» More
Q3 2015

CBU Guru Trades in Q3 2015

Jim Simons 182,487 sh (+138.23%)
» More
Q4 2015

CBU Guru Trades in Q4 2015

Jim Simons 160,158 sh (-12.24%)
» More
Q1 2016

CBU Guru Trades in Q1 2016

Jim Simons 215,400 sh (+34.49%)
» 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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Business Description

Industry: Banks » Banks - Regional - US
Compare:NYSE:EVER, NYSE:GWB, NAS:SSB, NAS:IBOC, NAS:CVBF, NAS:GBCI, NAS:TRMK, NAS:COLB, NYSE:STL, NAS:EGBN, NYSE:BXS, NAS:PNFP, NAS:TCBI, NAS:FFIN, NAS:HBHC, NYSE:TCB, NYSE:VLY, NAS:FMBI, NAS:CHFC, NAS:NPBC » details
Traded in other countries:CBY.Germany,
Community Bank System Inc is a single bank holding company. The Bank operates as a community bank and engages in banking, employee benefit services and wealth management services.

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.

Ratios

vs
industry
vs
history
P/E(ttm) 19.99
CBU's P/E(ttm) is ranked lower than
79% of the 1682 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.67 vs. CBU: 19.99 )
Ranked among companies with meaningful P/E(ttm) only.
CBU' s P/E(ttm) Range Over the Past 10 Years
Min: 9.67  Med: 15.28 Max: 20.68
Current: 19.99
9.67
20.68
Forward P/E 19.05
CBU's Forward P/E is ranked lower than
92% of the 443 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.61 vs. CBU: 19.05 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 19.99
CBU's PE(NRI) is ranked lower than
79% of the 1537 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.86 vs. CBU: 19.99 )
Ranked among companies with meaningful PE(NRI) only.
CBU' s PE(NRI) Range Over the Past 10 Years
Min: 9.67  Med: 15.28 Max: 20.68
Current: 19.99
9.67
20.68
Price/Owner Earnings (ttm) 21.00
CBU's Price/Owner Earnings (ttm) is ranked lower than
80% of the 851 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.62 vs. CBU: 21.00 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
CBU' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 9.99  Med: 15.27 Max: 49.69
Current: 21
9.99
49.69
P/B 1.57
CBU's P/B is ranked lower than
79% of the 1759 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. CBU: 1.57 )
Ranked among companies with meaningful P/B only.
CBU' s P/B Range Over the Past 10 Years
Min: 0.83  Med: 1.37 Max: 1.86
Current: 1.57
0.83
1.86
P/S 4.76
CBU's P/S is ranked lower than
79% of the 1761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. CBU: 4.76 )
Ranked among companies with meaningful P/S only.
CBU' s P/S Range Over the Past 10 Years
Min: 1.89  Med: 3.41 Max: 4.83
Current: 4.76
1.89
4.83
PFCF 17.02
CBU's PFCF is ranked lower than
76% of the 918 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.16 vs. CBU: 17.02 )
Ranked among companies with meaningful PFCF only.
CBU' s PFCF Range Over the Past 10 Years
Min: 8.34  Med: 13.23 Max: 25.56
Current: 17.02
8.34
25.56
POCF 15.36
CBU's POCF is ranked lower than
79% of the 1025 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.89 vs. CBU: 15.36 )
Ranked among companies with meaningful POCF only.
CBU' s POCF Range Over the Past 10 Years
Min: 7.31  Med: 11.15 Max: 19.2
Current: 15.36
7.31
19.2
EV-to-EBIT 14.24
CBU's EV-to-EBIT is ranked lower than
57% of the 1650 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.90 vs. CBU: 14.24 )
Ranked among companies with meaningful EV-to-EBIT only.
CBU' s EV-to-EBIT Range Over the Past 10 Years
Min: 11.5  Med: 17.20 Max: 37.6
Current: 14.24
11.5
37.6
EV-to-EBITDA 12.57
CBU's EV-to-EBITDA is ranked lower than
54% of the 1649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.75 vs. CBU: 12.57 )
Ranked among companies with meaningful EV-to-EBITDA only.
CBU' s EV-to-EBITDA Range Over the Past 10 Years
Min: 10  Med: 14.10 Max: 29.3
Current: 12.57
10
29.3
PEG 6.90
CBU's PEG is ranked lower than
91% of the 731 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. CBU: 6.90 )
Ranked among companies with meaningful PEG only.
CBU' s PEG Range Over the Past 10 Years
Min: 0.9  Med: 3.35 Max: 91.73
Current: 6.9
0.9
91.73
Shiller P/E 22.96
CBU's Shiller P/E is ranked lower than
71% of the 491 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.16 vs. CBU: 22.96 )
Ranked among companies with meaningful Shiller P/E only.
CBU' s Shiller P/E Range Over the Past 10 Years
Min: 9.29  Med: 15.91 Max: 23.11
Current: 22.96
9.29
23.11

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.82
CBU's Dividend Yield is ranked lower than
53% of the 2235 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. CBU: 2.82 )
Ranked among companies with meaningful Dividend Yield only.
CBU' s Dividend Yield Range Over the Past 10 Years
Min: 2.74  Med: 3.63 Max: 6.25
Current: 2.82
2.74
6.25
Dividend Payout 0.56
CBU's Dividend Payout is ranked lower than
81% of the 1294 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. CBU: 0.56 )
Ranked among companies with meaningful Dividend Payout only.
CBU' s Dividend Payout Range Over the Past 10 Years
Min: 0.35  Med: 0.51 Max: 1.5
Current: 0.56
0.35
1.5
Dividend Growth (3y) 4.80
CBU's Dividend Growth (3y) is ranked lower than
62% of the 733 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.40 vs. CBU: 4.80 )
Ranked among companies with meaningful Dividend Growth (3y) only.
CBU' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 4.1  Med: 5.50 Max: 11.6
Current: 4.8
4.1
11.6
Forward Dividend Yield 2.82
CBU's Forward Dividend Yield is ranked lower than
58% of the 2109 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 vs. CBU: 2.82 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.62
CBU's Yield on cost (5-Year) is ranked higher than
51% of the 2505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.58 vs. CBU: 3.62 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CBU' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 3.53  Med: 4.68 Max: 8.05
Current: 3.62
3.53
8.05
3-Year Average Share Buyback Ratio -3.40
CBU's 3-Year Average Share Buyback Ratio is ranked lower than
56% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. CBU: -3.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CBU' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -26.5  Med: -4.00 Max: 2.7
Current: -3.4
-26.5
2.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.57
CBU's Price/Tangible Book is ranked lower than
89% of the 1747 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. CBU: 2.57 )
Ranked among companies with meaningful Price/Tangible Book only.
CBU' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.18  Med: 2.65 Max: 4.15
Current: 2.57
1.18
4.15
Price/Projected FCF 1.04
CBU's Price/Projected FCF is ranked lower than
78% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. CBU: 1.04 )
Ranked among companies with meaningful Price/Projected FCF only.
CBU' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.38  Med: 0.79 Max: 1.49
Current: 1.04
0.38
1.49
Price/DCF (Earnings Based) 1.84
CBU's Price/DCF (Earnings Based) is ranked lower than
98% of the 113 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.73 vs. CBU: 1.84 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.39
CBU's Price/Median PS Value is ranked lower than
85% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. CBU: 1.39 )
Ranked among companies with meaningful Price/Median PS Value only.
CBU' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.51  Med: 0.94 Max: 2.3
Current: 1.39
0.51
2.3
Price/Graham Number 1.55
CBU's Price/Graham Number is ranked lower than
88% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. CBU: 1.55 )
Ranked among companies with meaningful Price/Graham Number only.
CBU' s Price/Graham Number Range Over the Past 10 Years
Min: 0.77  Med: 1.32 Max: 1.75
Current: 1.55
0.77
1.75
Earnings Yield (Greenblatt) (%) 7.00
CBU's Earnings Yield (Greenblatt) (%) is ranked lower than
52% of the 1803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. CBU: 7.00 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CBU' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.7  Med: 5.80 Max: 8.7
Current: 7
2.7
8.7
Forward Rate of Return (Yacktman) (%) 8.28
CBU's Forward Rate of Return (Yacktman) (%) is ranked lower than
62% of the 844 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.22 vs. CBU: 8.28 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CBU' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 0.9  Med: 12.80 Max: 22
Current: 8.28
0.9
22

More Statistics

Revenue (TTM) (Mil) $404.1
EPS (TTM) $ 2.20
Beta1.07
Short Percentage of Float6.88%
52-Week Range $34.15 - 44.11
Shares Outstanding (Mil)44.11

Analyst Estimate


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Dec16 Dec17
Revenue (Mil $)
EPS ($) 2.31 2.40
EPS w/o NRI ($) 2.31 2.40
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» More Articles for CBU

Headlines

Articles On GuruFocus.com
9 Dividend Stocks Providing an Inflation Hedge with Increased Dividends Aug 26 2013 
My 4 Favorite Stocks With Dividend Growth From Last Week Aug 25 2013 
Weekly CFO Sells Highlight: MEI, EPAM, PVH, CBU, TRV Jun 30 2013 
How to Look Beyond Dividend Increases Aug 27 2012 
Community Bank System Inc. Reports Operating Results (10-Q) Aug 06 2010 
Weekly Highlight of Top Insider Buys: Medtronic Inc., Commercial Metals Company, Community Bank Syst Jul 04 2010 
Community Bank System Inc. (CBU) CFO Scott Allen Kingsley buys 1,000 Shares May 24 2010 
Community Bank System Inc. Reports Operating Results (10-Q) May 07 2010 
How Often Should A Stock Pay And Raise Dividends? May 04 2010 
Community Bank System Inc. Reports Operating Results (10-Q) Nov 05 2009 

More From Other Websites
Community Bank System, Inc. :CBU-US: Earnings Analysis: Q2, 2016 By the Numbers : July 22, 2016 Jul 22 2016
Community Bank downgraded by Sandler O'Neill Jul 22 2016
Community Bank has capital on hand, but no set plans for M&A Jul 22 2016
Edited Transcript of CBU earnings conference call or presentation 21-Jul-16 3:00pm GMT Jul 21 2016
ETF’s with exposure to Community Bank System, Inc. : July 21, 2016 Jul 21 2016
COMMUNITY BANK SYSTEM, INC. Files SEC form 8-K, Results of Operations and Financial Condition Jul 21 2016
Community Bank posts 2Q profit Jul 20 2016
Community Bank posts 2Q profit Jul 20 2016
Community Bank System Reports Second Quarter 2016 Results Jul 20 2016
Q2 2016 Community Bank System Inc Earnings Release - After Market Close Jul 20 2016
Community Bank System Announces Second Quarter 2016 Earnings Conference Call Jul 18 2016
ETF’s with exposure to Community Bank System, Inc. : July 7, 2016 Jul 07 2016
Community Bank System, Inc. :CBU-US: Earnings Analysis: Q1, 2016 By the Numbers : June 28, 2016 Jun 28 2016
Community Bank System Announces Second Quarter 2016 Earnings Conference Call Jun 27 2016
Community Bank System, Inc. breached its 50 day moving average in a Bearish Manner : CBU-US : June... Jun 27 2016
Community Bank System Announces Second Quarter 2016 Earnings Conference Call Jun 27 2016
COMMUNITY BANK SYSTEM, INC. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders,... May 20 2016
Community Bank System, Inc. Declares Dividend and Announces Results of 2016 Annual Meeting May 20 2016
Community Bank System, Inc. Declares Dividend and Announces Results of 2016 Annual Meeting May 20 2016
COMMUNITY BANK SYSTEM, INC. Financials May 18 2016

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