Switch to:
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 0.70
CBU's Cash-to-Debt is ranked lower than
69% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.14 vs. CBU: 0.70 )
Ranked among companies with meaningful Cash-to-Debt only.
CBU' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.13  Med: 0.28 Max: 0.75
Current: 0.7
0.13
0.75
Equity-to-Asset 0.14
CBU's Equity-to-Asset is ranked higher than
81% of the 1614 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 13.69
CBU's Interest Coverage is ranked higher than
91% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. CBU: 13.69 )
Ranked among companies with meaningful Interest Coverage only.
CBU' s Interest Coverage Range Over the Past 10 Years
Min: 0.38  Med: 1.91 Max: 13.69
Current: 13.69
0.38
13.69
Piotroski F-Score: 4
Beneish M-Score: -3.21
WACC vs ROIC
9.55%
7.84%
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 % 35.97
CBU's Operating Margin % is ranked higher than
61% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.10 vs. CBU: 35.97 )
Ranked among companies with meaningful Operating Margin % only.
CBU' s Operating Margin % Range Over the Past 10 Years
Min: 21.31  Med: 32.82 Max: 35.97
Current: 35.97
21.31
35.97
Net Margin % 24.15
CBU's Net Margin % is ranked higher than
55% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.46 vs. CBU: 24.15 )
Ranked among companies with meaningful Net Margin % only.
CBU' s Net Margin % Range Over the Past 10 Years
Min: 16.64  Med: 23.4 Max: 25.14
Current: 24.15
16.64
25.14
ROE % 8.59
CBU's ROE % is ranked higher than
51% of the 1623 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.50 vs. CBU: 8.59 )
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: 8.59
7.47
10.7
ROA % 1.20
CBU's ROA % is ranked higher than
70% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. CBU: 1.20 )
Ranked among companies with meaningful ROA % only.
CBU' s ROA % Range Over the Past 10 Years
Min: 0.78  Med: 1.12 Max: 1.25
Current: 1.2
0.78
1.25
3-Year Revenue Growth Rate 4.40
CBU's 3-Year Revenue Growth Rate is ranked higher than
51% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. CBU: 4.40 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
CBU' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -8  Med: 2.8 Max: 17.9
Current: 4.4
-8
17.9
3-Year EBITDA Growth Rate 3.90
CBU's 3-Year EBITDA Growth Rate is ranked lower than
55% of the 1264 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. CBU: 3.90 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
CBU' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -13.3  Med: 2.1 Max: 20.1
Current: 3.9
-13.3
20.1
3-Year EPS without NRI Growth Rate 6.10
CBU's 3-Year EPS without NRI Growth Rate is ranked lower than
54% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. CBU: 6.10 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
CBU' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -7.5  Med: 4.3 Max: 26.5
Current: 6.1
-7.5
26.5
GuruFocus has detected 6 Warning Signs with Community Bank System Inc $CBU.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» CBU's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

CBU Guru Trades in Q1 2016

Jim Simons 215,400 sh (+34.49%)
» More
Q2 2016

CBU Guru Trades in Q2 2016

Jim Simons 219,900 sh (+2.09%)
» More
Q3 2016

CBU Guru Trades in Q3 2016

Jim Simons 173,500 sh (-21.10%)
» More
Q4 2016

CBU Guru Trades in Q4 2016

Jim Simons 121,800 sh (-29.80%)
» 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 Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
Compare:NAS:GBCI, NAS:SSB, NAS:HOPE, NYSE:BXS, NAS:CVBF, NAS:FFIN, NAS:FMBI, NAS:IBOC, NAS:ONB, NYSE:TCB, NYSE:GWB, NYSE:EVER, NAS:COLB, NYSE:FNB, NAS:CATY, NAS:TRMK, NYSE:VLY, NAS:FULT, NYSE:STL, NAS:EGBN » 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
PE Ratio 25.84
CBU's PE Ratio is ranked lower than
86% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.23 vs. CBU: 25.84 )
Ranked among companies with meaningful PE Ratio only.
CBU' s PE Ratio Range Over the Past 10 Years
Min: 9.67  Med: 15.64 Max: 26.55
Current: 25.84
9.67
26.55
Forward PE Ratio 23.87
CBU's Forward PE Ratio is ranked lower than
94% of the 390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.21 vs. CBU: 23.87 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 25.84
CBU's PE Ratio without NRI is ranked lower than
85% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.53 vs. CBU: 25.84 )
Ranked among companies with meaningful PE Ratio without NRI only.
CBU' s PE Ratio without NRI Range Over the Past 10 Years
Min: 9.67  Med: 15.64 Max: 26.55
Current: 25.84
9.67
26.55
Price-to-Owner-Earnings 23.67
CBU's Price-to-Owner-Earnings is ranked lower than
79% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.84 vs. CBU: 23.67 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CBU' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 9.99  Med: 15.6 Max: 49.69
Current: 23.67
9.99
49.69
PB Ratio 2.23
CBU's PB Ratio is ranked lower than
87% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. CBU: 2.23 )
Ranked among companies with meaningful PB Ratio only.
CBU' s PB Ratio Range Over the Past 10 Years
Min: 0.83  Med: 1.37 Max: 2.29
Current: 2.23
0.83
2.29
PS Ratio 6.23
CBU's PS Ratio is ranked lower than
86% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.44 vs. CBU: 6.23 )
Ranked among companies with meaningful PS Ratio only.
CBU' s PS Ratio Range Over the Past 10 Years
Min: 1.89  Med: 3.43 Max: 6.4
Current: 6.23
1.89
6.4
Price-to-Free-Cash-Flow 28.96
CBU's Price-to-Free-Cash-Flow is ranked lower than
81% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.80 vs. CBU: 28.96 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
CBU' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 8.34  Med: 13.65 Max: 29.76
Current: 28.96
8.34
29.76
Price-to-Operating-Cash-Flow 26.70
CBU's Price-to-Operating-Cash-Flow is ranked lower than
83% of the 933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. CBU: 26.70 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
CBU' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 7.31  Med: 11.51 Max: 27.44
Current: 26.7
7.31
27.44
EV-to-EBIT 18.30
CBU's EV-to-EBIT is ranked lower than
67% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. CBU: 18.30 )
Ranked among companies with meaningful EV-to-EBIT only.
CBU' s EV-to-EBIT Range Over the Past 10 Years
Min: 11.5  Med: 17.25 Max: 37.6
Current: 18.3
11.5
37.6
EV-to-EBITDA 16.53
CBU's EV-to-EBITDA is ranked lower than
65% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.35 vs. CBU: 16.53 )
Ranked among companies with meaningful EV-to-EBITDA only.
CBU' s EV-to-EBITDA Range Over the Past 10 Years
Min: 10  Med: 14.2 Max: 29.3
Current: 16.53
10
29.3
PEG Ratio 10.32
CBU's PEG Ratio is ranked lower than
94% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.44 vs. CBU: 10.32 )
Ranked among companies with meaningful PEG Ratio only.
CBU' s PEG Ratio Range Over the Past 10 Years
Min: 0.9  Med: 4.02 Max: 22.2
Current: 10.32
0.9
22.2
Shiller PE Ratio 30.37
CBU's Shiller PE Ratio is ranked lower than
73% of the 489 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.50 vs. CBU: 30.37 )
Ranked among companies with meaningful Shiller PE Ratio only.
CBU' s Shiller PE Ratio Range Over the Past 10 Years
Min: 9.35  Med: 16.01 Max: 31.25
Current: 30.37
9.35
31.25

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.09
CBU's Dividend Yield % is ranked lower than
62% of the 2302 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. CBU: 2.09 )
Ranked among companies with meaningful Dividend Yield % only.
CBU' s Dividend Yield % Range Over the Past 10 Years
Min: 2.04  Med: 3.63 Max: 6.25
Current: 2.09
2.04
6.25
Dividend Payout Ratio 0.57
CBU's Dividend Payout Ratio is ranked lower than
66% of the 1292 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. CBU: 0.57 )
Ranked among companies with meaningful Dividend Payout Ratio only.
CBU' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.5  Med: 0.55 Max: 0.7
Current: 0.57
0.5
0.7
3-Year Dividend Growth Rate 4.60
CBU's 3-Year Dividend Growth Rate is ranked lower than
62% of the 766 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.70 vs. CBU: 4.60 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
CBU' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 4.1  Med: 5.4 Max: 11
Current: 4.6
4.1
11
Forward Dividend Yield % 2.13
CBU's Forward Dividend Yield % is ranked lower than
65% of the 2243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. CBU: 2.13 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.64
CBU's 5-Year Yield-on-Cost % is ranked lower than
60% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.34 vs. CBU: 2.64 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
CBU' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.58  Med: 4.59 Max: 7.9
Current: 2.64
2.58
7.9
3-Year Average Share Buyback Ratio -3.20
CBU's 3-Year Average Share Buyback Ratio is ranked lower than
55% of the 1063 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.10 vs. CBU: -3.20 )
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 Max: 2.7
Current: -3.2
-26.5
2.7

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 3.73
CBU's Price-to-Tangible-Book is ranked lower than
95% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. CBU: 3.73 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CBU' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.18  Med: 2.84 Max: 4.01
Current: 3.73
1.18
4.01
Price-to-Intrinsic-Value-Projected-FCF 1.43
CBU's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
84% of the 911 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. CBU: 1.43 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
CBU' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.38  Med: 0.77 Max: 1.49
Current: 1.43
0.38
1.49
Price-to-Intrinsic-Value-DCF (Earnings Based) 2.21
CBU's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked lower than
98% of the 126 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. CBU: 2.21 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
N/A
Price-to-Median-PS-Value 1.81
CBU's Price-to-Median-PS-Value is ranked lower than
89% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. CBU: 1.81 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CBU' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.47  Med: 0.98 Max: 2.28
Current: 1.81
0.47
2.28
Price-to-Graham-Number 2.08
CBU's Price-to-Graham-Number is ranked lower than
95% of the 1465 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. CBU: 2.08 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CBU' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.75  Med: 1.42 Max: 2.13
Current: 2.08
0.75
2.13
Earnings Yield (Greenblatt) % 5.50
CBU's Earnings Yield (Greenblatt) % is ranked lower than
51% of the 1696 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. CBU: 5.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CBU' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 2.7  Med: 5.8 Max: 8.7
Current: 5.5
2.7
8.7
Forward Rate of Return (Yacktman) % 7.27
CBU's Forward Rate of Return (Yacktman) % is ranked lower than
61% of the 893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.05 vs. CBU: 7.27 )
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: 12.3 Max: 22
Current: 7.27
0.9
22

More Statistics

Revenue (TTM) (Mil) $429.8
EPS (TTM) $ 2.33
Beta1.07
Short Percentage of Float9.25%
52-Week Range $35.73 - 63.04
Shares Outstanding (Mil)45.76

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 2.52 2.68
EPS without NRI ($) 2.52 2.68
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)
» 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
Wall Street Grows Cautious on Bank Stocks Feb 23 2017
Community Bank System, Inc. Announces Quarterly Common Stock Dividend Feb 21 2017
COMMUNITY BANK SYSTEM, INC. Files SEC form 8-K, Entry into a Material Definitive Agreement Feb 09 2017
COMMUNITY BANK SYSTEM, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Feb 03 2017
Community Bank System Completes Acquisition of Northeast Retirement Services, Inc. Feb 03 2017
Community Bank System, Inc. : CBU-US: Dividend Analysis : December 15th, 2016 (record date) : By the... Feb 01 2017
Community Bank System, Inc. breached its 50 day moving average in a Bearish Manner : CBU-US :... Jan 31 2017
ETFs with exposure to Community Bank System, Inc. : January 25, 2017 Jan 25 2017
Community Bank System, Inc. :CBU-US: Earnings Analysis: Q4, 2016 By the Numbers : January 24, 2017 Jan 24 2017
Edited Transcript of CBU earnings conference call or presentation 23-Jan-17 4:00pm GMT Jan 23 2017
COMMUNITY BANK SYSTEM, INC. Files SEC form 8-K, Results of Operations and Financial Condition,... Jan 23 2017
Q4 2016 Community Bank System Inc Earnings Release - Before Market Open Jan 23 2017
Community Bank posts 4Q profit Jan 23 2017
Community Bank posts 4Q profit Jan 23 2017
Community Bank System Reports Fourth Quarter and Full Year 2016 Results Jan 23 2017
Bank Stocks' Q4 Earnings on Jan 23: BOH, CBU, ZION, PRK Jan 20 2017
Community Bank System Announces Fourth Quarter and Year End 2016 Earnings Conference Call Jan 19 2017
Community Bank System, Inc. breached its 50 day moving average in a Bearish Manner : CBU-US :... Jan 18 2017
Community Bank downgraded by Sandler O'Neill Jan 12 2017
COMMUNITY BANK SYSTEM, INC. Files SEC form 8-K, Change in Directors or Principal Officers Jan 06 2017

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)