Switch to:

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 0.51
CBU's Cash to Debt is ranked lower than
68% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.46 vs. CBU: 0.51 )
Ranked among companies with meaningful Cash to Debt only.
CBU' s 10-Year Cash to Debt Range
Min: 0.1   Max: 157.17
Current: 0.51

0.1
157.17
Equity to Asset 0.13
CBU's Equity to Asset is ranked higher than
76% of the 1283 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   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 1196 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.68 vs. CBU: 11.00 )
Ranked among companies with meaningful Interest Coverage only.
CBU' s 10-Year Interest Coverage Range
Min: 0.27   Max: 11
Current: 11

0.27
11
F-Score: 6
Z-Score: 0.34
WACC vs ROIC
9.08%
7.62%
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 (%) 35.85
CBU's Operating margin (%) is ranked higher than
67% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.16 vs. CBU: 35.85 )
Ranked among companies with meaningful Operating margin (%) only.
CBU' s 10-Year Operating margin (%) Range
Min: 21.31   Max: 37.23
Current: 35.85

21.31
37.23
Net-margin (%) 25.14
CBU's Net-margin (%) is ranked higher than
63% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.21 vs. CBU: 25.14 )
Ranked among companies with meaningful Net-margin (%) only.
CBU' s 10-Year Net-margin (%) Range
Min: 15.55   Max: 25.68
Current: 25.14

15.55
25.68
ROE (%) 9.45
CBU's ROE (%) is ranked higher than
59% of the 1344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. CBU: 9.45 )
Ranked among companies with meaningful ROE (%) only.
CBU' s 10-Year ROE (%) Range
Min: 7.47   Max: 20.69
Current: 9.45

7.47
20.69
ROA (%) 1.22
CBU's ROA (%) is ranked higher than
76% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. CBU: 1.22 )
Ranked among companies with meaningful ROA (%) only.
CBU' s 10-Year ROA (%) Range
Min: 0.65   Max: 1.34
Current: 1.22

0.65
1.34
ROC (Joel Greenblatt) (%) 141.34
CBU's ROC (Joel Greenblatt) (%) is ranked higher than
70% of the 1333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 75.43 vs. CBU: 141.34 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
CBU' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 15.56   Max: 138.51
Current: 141.34

15.56
138.51
Revenue Growth (3Y)(%) 2.40
CBU's Revenue Growth (3Y)(%) is ranked higher than
54% of the 1133 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. CBU: 2.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CBU' s 10-Year Revenue Growth (3Y)(%) Range
Min: -0.7   Max: 9
Current: 2.4

-0.7
9
EBITDA Growth (3Y)(%) 2.70
CBU's EBITDA Growth (3Y)(%) is ranked lower than
62% of the 986 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CBU: 2.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CBU' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -13.3   Max: 20.2
Current: 2.7

-13.3
20.2
EPS Growth (3Y)(%) 3.40
CBU's EPS Growth (3Y)(%) is ranked lower than
63% of the 1002 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.10 vs. CBU: 3.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CBU' s 10-Year EPS Growth (3Y)(%) Range
Min: -7.7   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

Q2 2014

CBU Guru Trades in Q2 2014

Jim Simons 8,200 sh (New)
Paul Tudor Jones 9,200 sh (New)
» More
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
» 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 )

Ratios

vs
industry
vs
history
P/E(ttm) 15.80
CBU's P/E(ttm) is ranked higher than
59% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.90 vs. CBU: 15.80 )
Ranked among companies with meaningful P/E(ttm) only.
CBU' s 10-Year P/E(ttm) Range
Min: 9.66   Max: 20.72
Current: 15.8

9.66
20.72
Forward P/E 15.22
CBU's Forward P/E is ranked higher than
50% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CBU: 15.22 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 16.00
CBU's PE(NRI) is ranked higher than
65% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 27.40 vs. CBU: 16.00 )
Ranked among companies with meaningful PE(NRI) only.
CBU' s 10-Year PE(NRI) Range
Min: 9.67   Max: 20.68
Current: 16

9.67
20.68
P/B 1.40
CBU's P/B is ranked lower than
69% of the 1624 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CBU: 1.40 )
Ranked among companies with meaningful P/B only.
CBU' s 10-Year P/B Range
Min: 0.83   Max: 2.01
Current: 1.4

0.83
2.01
P/S 4.00
CBU's P/S is ranked lower than
73% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CBU: 4.00 )
Ranked among companies with meaningful P/S only.
CBU' s 10-Year P/S Range
Min: 1.92   Max: 8.04
Current: 4

1.92
8.04
PFCF 14.10
CBU's PFCF is ranked higher than
66% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 55.00 vs. CBU: 14.10 )
Ranked among companies with meaningful PFCF only.
CBU' s 10-Year PFCF Range
Min: 5.91   Max: 27.46
Current: 14.1

5.91
27.46
POCF 12.33
CBU's POCF is ranked higher than
70% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CBU: 12.33 )
Ranked among companies with meaningful POCF only.
CBU' s 10-Year POCF Range
Min: 5.3   Max: 19.35
Current: 12.33

5.3
19.35
EV-to-EBIT 12.15
CBU's EV-to-EBIT is ranked higher than
75% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 24.38 vs. CBU: 12.15 )
Ranked among companies with meaningful EV-to-EBIT only.
CBU' s 10-Year EV-to-EBIT Range
Min: 11.5   Max: 51.1
Current: 12.15

11.5
51.1
PEG 2.13
CBU's PEG is ranked higher than
81% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CBU: 2.13 )
Ranked among companies with meaningful PEG only.
CBU' s 10-Year PEG Range
Min: 0.83   Max: 50.38
Current: 2.13

0.83
50.38
Shiller P/E 17.80
CBU's Shiller P/E is ranked higher than
74% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CBU: 17.80 )
Ranked among companies with meaningful Shiller P/E only.
CBU' s 10-Year Shiller P/E Range
Min: 8.82   Max: 22.04
Current: 17.8

8.82
22.04
Days Sales Outstanding 27.60
CBU's Days Sales Outstanding is ranked higher than
87% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CBU: 27.60 )
Ranked among companies with meaningful Days Sales Outstanding only.
CBU' s 10-Year Days Sales Outstanding Range
Min: 24.75   Max: 70.3
Current: 27.6

24.75
70.3

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.32
CBU's Dividend Yield is ranked higher than
67% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. CBU: 3.32 )
Ranked among companies with meaningful Dividend Yield only.
CBU' s 10-Year Dividend Yield Range
Min: 2.35   Max: 6.25
Current: 3.32

2.35
6.25
Dividend Payout 0.53
CBU's Dividend Payout is ranked higher than
53% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CBU: 0.53 )
Ranked among companies with meaningful Dividend Payout only.
CBU' s 10-Year Dividend Payout Range
Min: 0.19   Max: 1.5
Current: 0.53

0.19
1.5
Dividend growth (3y) 5.10
CBU's Dividend growth (3y) is ranked higher than
83% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CBU: 5.10 )
Ranked among companies with meaningful Dividend growth (3y) only.
CBU' s 10-Year Dividend growth (3y) Range
Min: 4.1   Max: 11.6
Current: 5.1

4.1
11.6
Yield on cost (5-Year) 4.46
CBU's Yield on cost (5-Year) is ranked higher than
68% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CBU: 4.46 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CBU' s 10-Year Yield on cost (5-Year) Range
Min: 3.09   Max: 8.21
Current: 4.46

3.09
8.21
Share Buyback Rate -4.30
CBU's Share Buyback Rate is ranked higher than
72% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CBU: -4.30 )
Ranked among companies with meaningful Share Buyback Rate only.
CBU' s 10-Year Share Buyback Rate Range
Min: 0.4   Max: -18.5
Current: -4.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.30
CBU's Price/Tangible Book is ranked lower than
67% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CBU: 2.30 )
Ranked among companies with meaningful Price/Tangible Book only.
CBU' s 10-Year Price/Tangible Book Range
Min: 0.87   Max: 4.18
Current: 2.3

0.87
4.18
Price/DCF (Projected) 0.90
CBU's Price/DCF (Projected) is ranked higher than
71% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CBU: 0.90 )
Ranked among companies with meaningful Price/DCF (Projected) only.
CBU' s 10-Year Price/DCF (Projected) Range
Min: 0.38   Max: 1.49
Current: 0.9

0.38
1.49
Price/Median PS Value 1.20
CBU's Price/Median PS Value is ranked higher than
55% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CBU: 1.20 )
Ranked among companies with meaningful Price/Median PS Value only.
CBU' s 10-Year Price/Median PS Value Range
Min: 0.45   Max: 2.3
Current: 1.2

0.45
2.3
Price/Graham Number 1.30
CBU's Price/Graham Number is ranked lower than
55% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. CBU: 1.30 )
Ranked among companies with meaningful Price/Graham Number only.
CBU' s 10-Year Price/Graham Number Range
Min: 0.59   Max: 1.75
Current: 1.3

0.59
1.75
Earnings Yield (Greenblatt) 8.20
CBU's Earnings Yield (Greenblatt) is ranked higher than
74% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.00 vs. CBU: 8.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
CBU' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2   Max: 8.7
Current: 8.2

2
8.7
Forward Rate of Return (Yacktman) 10.52
CBU's Forward Rate of Return (Yacktman) is ranked higher than
78% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CBU: 10.52 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) only.
CBU' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -0.1   Max: 22.8
Current: 10.52

-0.1
22.8

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

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 
12 Stocks Ready for a Short Squeeze May 18 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 

More From Other Websites
COMMUNITY BANK SYSTEM, INC. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders,... May 26 2015
Community Bank System, Inc. Declares Dividend and Announces Results of 2015 Annual Meeting May 21 2015
Community Bank System, Inc. Declares Dividend and Announces Results of 2015 Annual Meeting May 21 2015
COMMUNITY BANK SYSTEM, INC. Financials May 16 2015
10-Q for Community Bank System, Inc. May 11 2015
COMMUNITY BANK SYSTEM, INC. Files SEC form 10-Q, Quarterly Report May 08 2015
Coverage initiated on Community Bank by Raymond James Apr 21 2015
Williamsville-based Sovran CEO earned $2.44M in 2014 Apr 20 2015
COMMUNITY BANK SYSTEM, INC. Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 20 2015
Community Bank posts 1Q profit Apr 20 2015
Community Bank posts 1Q profit Apr 20 2015
Community Bank System Reports First Quarter 2015 Results Apr 20 2015
Q1 2015 Community Bank System Inc Earnings Release - Before Market Open Apr 20 2015
Community Bank System Reports First Quarter 2015 Results Apr 20 2015
Community Bank CEO says acquirer's business model 'has been enormously successful' Apr 17 2015
Community Bank System Announces First Quarter 2015 Earnings Conference Call Apr 17 2015
Community Bank System Announces First Quarter 2015 Earnings Conference Call Apr 17 2015
IPOs & Transactions Week in Review: March 30 - April 3 / plus M&A technology whitepaper download Apr 06 2015
Community Bank System Announces First Quarter 2015 Earnings Conference Call Apr 06 2015
Community Bank System Announces First Quarter 2015 Earnings Conference Call Apr 06 2015

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)
FEEDBACK