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29.44 (1y: +9%)
Market Cap 1.16 B P/E(ttm) 14.80
Enterprise Value 1.63 B P/B 1.30
CBU- NYSE (USA)
Community Bank System Inc.
  • Currently 1/5
Business Predictability Rank: 1-Star (On Watch)
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$29.44
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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 2.239
CBU's Cash to Debt is ranked higher than
67% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. CBU: 2.239 )
CBU' s 10-Year Cash to Debt Range
Min: 0.13   Max: 2.24
Current: 2.24
0.13
2.24
Equity to Asset 0.069
CBU's Equity to Asset is ranked lower than
78% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. CBU: 0.069 )
CBU' s 10-Year Equity to Asset Range
Min: 0.03   Max: 0.07
Current: 0.07
0.03
0.07
Interest Coverage No Debt
CBU's Interest Coverage is ranked lower than
69% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. CBU: No Debt )
CBU' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 5
Z-Score: 0.41
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 (%) 33.00
CBU's Operating margin (%) is ranked higher than
69% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 24.60 vs. CBU: 33.00 )
CBU' s 10-Year Operating margin (%) Range
Min: 21.3   Max: 34.7
Current: 33
21.3
34.7
Net-margin (%) 23.4
CBU's Net-margin (%) is ranked higher than
69% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. CBU: 23.4 )
CBU' s 10-Year Net-margin (%) Range
Min: 15.2   Max: 25.7
Current: 23.4
15.2
25.7
ROE (%) 8.5
CBU's ROE (%) is ranked higher than
66% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. CBU: 8.5 )
CBU' s 10-Year ROE (%) Range
Min: 7.1   Max: 16.2
Current: 8.5
7.1
16.2
ROA (%) 1
CBU's ROA (%) is ranked higher than
73% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.70 vs. CBU: 1 )
CBU' s 10-Year ROA (%) Range
Min: 0.6   Max: 1.2
Current: 1
0.6
1.2
Revenue Growth (%) 2.3
CBU's Revenue Growth (%) is ranked higher than
71% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CBU: 2.3 )
CBU' s 10-Year Revenue Growth (%) Range
Min: -1.1   Max: 6.7
Current: 2.3
-1.1
6.7
EBITDA Growth (%) 9.8
CBU's EBITDA Growth (%) is ranked higher than
76% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CBU: 9.8 )
CBU' s 10-Year EBITDA Growth (%) Range
Min: -10.2   Max: 14.5
Current: 9.8
-10.2
14.5
EPS Growth (%) 11.2
CBU's EPS Growth (%) is ranked higher than
76% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CBU: 11.2 )
CBU' s 10-Year EPS Growth (%) Range
Min: -4.2   Max: 19.3
Current: 11.2
-4.2
19.3
» CBU's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

CBU Guru Trades in Q2 2012

Jim Simons 114,200 sh (+441.23%)
Paul Tudor Jones Sold Out
» More
Q3 2012

CBU Guru Trades in Q3 2012

Jim Simons Sold Out
» More
Q4 2012

CBU Guru Trades in Q4 2012

Jim Simons 30,000 sh (New)
» More
Q1 2013

CBU Guru Trades in Q1 2013

Jim Simons Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with CBU



No Insider Trades Found!

Ratios

vs
industry		 vs
history
P/E(ttm) 14.80
CBU's P/E(ttm) is ranked lower than
58% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. CBU: 14.80 )
CBU' s 10-Year P/E(ttm) Range
Min: 7.73   Max: 20.24
Current: 14.8
7.73
20.24
P/B 1.30
CBU's P/B is ranked lower than
76% of the 876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. CBU: 1.30 )
CBU' s 10-Year P/B Range
Min: 0.84   Max: 1.95
Current: 1.3
0.84
1.95
P/S 3.50
CBU's P/S is ranked lower than
73% of the 894 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.45 vs. CBU: 3.50 )
CBU' s 10-Year P/S Range
Min: 1.72   Max: 4.46
Current: 3.5
1.72
4.46
PFCF 13.20
CBU's PFCF is ranked lower than
76% of the 694 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. CBU: 13.20 )
CBU' s 10-Year PFCF Range
Min: 4.13   Max: 24.9
Current: 13.2
4.13
24.9
EV-to-EBIT 14.9
CBU's EV-to-EBIT is ranked higher than
53% of the 745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.84 vs. CBU: 14.9 )
CBU' s 10-Year EV-to-EBIT Range
Min: 8.5   Max: 37.6
Current: 14.9
8.5
37.6
PEG 1.4
CBU's PEG is ranked lower than
67% of the 286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. CBU: 1.4 )
CBU' s 10-Year PEG Range
Min: 0.83   Max: 37.74
Current: 1.4
0.83
37.74
Shiller P/E 16.1
CBU's Shiller P/E is ranked lower than
100% of the Companies
in the Global Banks - Regional - US industry.

( Industry Median: vs. CBU: 16.1 )
CBU' s 10-Year Shiller P/E Range
Min: 8.82   Max: 20.05
Current: 16.1
8.82
20.05

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 3.70
CBU's Dividend Yield is ranked higher than
85% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.59 vs. CBU: 3.70 )
CBU' s 10-Year Dividend Yield Range
Min: 2.35   Max: 6.25
Current: 3.7
2.35
6.25
Dividend Payout 0.5478
CBU's Dividend Payout is ranked lower than
83% of the 575 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.30 vs. CBU: 0.5478 )
CBU' s 10-Year Dividend Payout Range
Min: 0.37   Max: 0.7
Current: 0.55
0.37
0.7
Dividend growth (3y) 4.8
CBU's Dividend growth (3y) is ranked higher than
89% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CBU: 4.8 )
CBU' s 10-Year Dividend growth (3y) Range
Min: 3.1   Max: 7.2
Current: 4.8
3.1
7.2
Yield on cost (5-Year) 4.86
CBU's Yield on cost (5-Year) is ranked higher than
89% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. CBU: 4.86 )
CBU' s 10-Year Yield on cost (5-Year) Range
Min: 3.09   Max: 8.21
Current: 4.86
3.09
8.21
Share Buyback Rate -4.9
CBU's Share Buyback Rate is ranked lower than
74% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -0.30 vs. CBU: -4.9 )
CBU' s 10-Year Share Buyback Rate Range
Min: 0.3   Max: -17.3
Current: -4.9

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 2.2
CBU's Price/Tangible Book is ranked lower than
91% of the 797 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CBU: 2.2 )
CBU' s 10-Year Price/Tangible Book Range
Min: 2   Max: 3.6
Current: 2.2
2
3.6
Price/DCF (Projected) 0.8
CBU's Price/DCF (Projected) is ranked lower than
76% of the 503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. CBU: 0.8 )
CBU' s 10-Year Price/DCF (Projected) Range
Min: 0.6   Max: 1
Current: 0.8
0.6
1
Price/Median PS Value 1.1
CBU's Price/Median PS Value is ranked lower than
69% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. CBU: 1.1 )
CBU' s 10-Year Price/Median PS Value Range
Min: 0.6   Max: 1.4
Current: 1.1
0.6
1.4
Price/Peter Lynch Fair Value 1.2
CBU's Price/Peter Lynch Fair Value is ranked lower than
70% of the 175 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CBU: 1.2 )
CBU' s 10-Year Price/Peter Lynch Fair Value Range
Min: 1   Max: 2
Current: 1.2
1
2
Price/Graham Number 1.2
CBU's Price/Graham Number is ranked lower than
83% of the 763 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CBU: 1.2 )
CBU' s 10-Year Price/Graham Number Range
Min: 0.9   Max: 1.7
Current: 1.2
0.9
1.7
Earnings Yield (Greenblatt) 6.70
CBU's Earnings Yield (Greenblatt) is ranked higher than
60% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. CBU: 6.70 )
CBU' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.7   Max: 11.8
Current: 6.7
2.7
11.8
Forward Rate of Return (Yacktman) 18.46
CBU's Forward Rate of Return (Yacktman) is ranked higher than
76% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.38 vs. CBU: 18.46 )
CBU' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -0.1   Max: 22.4
Current: 18.46
-0.1
22.4

Business Description

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. The Bank operates 168 customer facilities 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 banking and financial services industry is highly competitive in the New York and Pennsylvania markets. 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. Bank holding companies and national banks are regulated by state and federal law.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
» More Articles for CBU

Headlines

Articles On GuruFocus.com
How to Look Beyond Dividend Increases Aug 27 2012 
The Best Stocks With Dividend Growth From Last Week (August 20 – August 26, 2012) Aug 26 2012 
6 High-Yield Financial Services Stocks with Rising Dividends Feb 15 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 05 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 
Stocks Raising Dividends: International Business Machines Corporation, W.W. Grainger, Exxon Mobil Co Apr 30 2010 
Community Bank System Inc. Reports Operating Results (10-Q) Nov 05 2009 

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