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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 0.38
CBU's Cash to Debt is ranked lower than
73% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. CBU: 0.38 )
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: 1.94
Current: 0.38
0.1
1.94
Equity to Asset 0.13
CBU's Equity to Asset is ranked higher than
75% of the 1578 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 Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.10 Max: 0.13
Current: 0.13
0.06
0.13
Interest Coverage 11.80
CBU's Interest Coverage is ranked higher than
92% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. CBU: 11.80 )
Ranked among companies with meaningful Interest Coverage only.
CBU' s Interest Coverage Range Over the Past 10 Years
Min: 0.38  Med: 1.11 Max: 11
Current: 11.8
0.38
11
F-Score: 5
WACC vs ROIC
8.42%
6.60%
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 (%) 35.57
CBU's Operating margin (%) is ranked higher than
62% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. CBU: 35.57 )
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: 35.57
21.31
35.68
Net-margin (%) 24.54
CBU's Net-margin (%) is ranked higher than
58% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. CBU: 24.54 )
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: 24.54
16.64
25.14
ROE (%) 8.76
CBU's ROE (%) is ranked higher than
56% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. CBU: 8.76 )
Ranked among companies with meaningful ROE (%) only.
CBU' s ROE (%) Range Over the Past 10 Years
Min: 7.47  Med: 9.13 Max: 10.9
Current: 8.76
7.47
10.9
ROA (%) 1.15
CBU's ROA (%) is ranked higher than
71% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. CBU: 1.15 )
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: 1.15
0.78
1.25
Revenue Growth (3Y)(%) 2.40
CBU's Revenue Growth (3Y)(%) is ranked higher than
51% of the 1284 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 Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -0.7  Med: 2.95 Max: 9
Current: 2.4
-0.7
9
EBITDA Growth (3Y)(%) 2.70
CBU's EBITDA Growth (3Y)(%) is ranked lower than
59% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. CBU: 2.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CBU' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -13.3  Med: 1.90 Max: 20.2
Current: 2.7
-13.3
20.2
EPS Growth (3Y)(%) 3.40
CBU's EPS Growth (3Y)(%) is ranked lower than
59% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. CBU: 3.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CBU' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -7.5  Med: 4.35 Max: 26.5
Current: 3.4
-7.5
26.5
» CBU's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q3 2015

CBU Guru Trades in Q3 2015

Jim Simons 182,487 sh (+138.23%)
» 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) 15.62
CBU's P/E(ttm) is ranked lower than
70% of the 2164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.39 vs. CBU: 15.62 )
Ranked among companies with meaningful P/E(ttm) only.
CBU' s P/E(ttm) Range Over the Past 10 Years
Min: 9.66  Med: 14.99 Max: 20.72
Current: 15.62
9.66
20.72
Forward P/E 14.90
CBU's Forward P/E is ranked lower than
90% of the 1322 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.27 vs. CBU: 14.90 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 15.73
CBU's PE(NRI) is ranked lower than
70% of the 1679 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. CBU: 15.73 )
Ranked among companies with meaningful PE(NRI) only.
CBU' s PE(NRI) Range Over the Past 10 Years
Min: 9.67  Med: 14.98 Max: 20.68
Current: 15.73
9.67
20.68
P/B 1.26
CBU's P/B is ranked lower than
69% of the 2247 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. CBU: 1.26 )
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: 2.01
Current: 1.26
0.83
2.01
P/S 4.03
CBU's P/S is ranked lower than
78% of the 2511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.55 vs. CBU: 4.03 )
Ranked among companies with meaningful P/S only.
CBU' s P/S Range Over the Past 10 Years
Min: 1.92  Med: 3.42 Max: 4.85
Current: 4.03
1.92
4.85
PFCF 14.86
CBU's PFCF is ranked lower than
74% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.28 vs. CBU: 14.86 )
Ranked among companies with meaningful PFCF only.
CBU' s PFCF Range Over the Past 10 Years
Min: 8.35  Med: 12.97 Max: 27.46
Current: 14.86
8.35
27.46
POCF 12.92
CBU's POCF is ranked lower than
76% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. CBU: 12.92 )
Ranked among companies with meaningful POCF only.
CBU' s POCF Range Over the Past 10 Years
Min: 7.33  Med: 10.97 Max: 19.35
Current: 12.92
7.33
19.35
EV-to-EBIT 14.63
CBU's EV-to-EBIT is ranked lower than
58% of the 2121 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.36 vs. CBU: 14.63 )
Ranked among companies with meaningful EV-to-EBIT only.
CBU' s EV-to-EBIT Range Over the Past 10 Years
Min: 11.5  Med: 17.90 Max: 37.6
Current: 14.63
11.5
37.6
EV-to-EBITDA 12.97
CBU's EV-to-EBITDA is ranked lower than
58% of the 2129 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.08 vs. CBU: 12.97 )
Ranked among companies with meaningful EV-to-EBITDA only.
CBU' s EV-to-EBITDA Range Over the Past 10 Years
Min: 10  Med: 14.40 Max: 29.3
Current: 12.97
10
29.3
PEG 2.11
CBU's PEG is ranked lower than
77% of the 622 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. CBU: 2.11 )
Ranked among companies with meaningful PEG only.
CBU' s PEG Range Over the Past 10 Years
Min: 0.9  Med: 2.67 Max: 26.55
Current: 2.11
0.9
26.55
Shiller P/E 19.26
CBU's Shiller P/E is ranked lower than
67% of the 681 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.38 vs. CBU: 19.26 )
Ranked among companies with meaningful Shiller P/E only.
CBU' s Shiller P/E Range Over the Past 10 Years
Min: 9.1  Med: 15.65 Max: 23.24
Current: 19.26
9.1
23.24

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.41
CBU's Dividend Yield is ranked higher than
55% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. CBU: 3.41 )
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: 3.41
2.74
6.25
Dividend Payout 0.53
CBU's Dividend Payout is ranked lower than
76% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. CBU: 0.53 )
Ranked among companies with meaningful Dividend Payout only.
CBU' s Dividend Payout Range Over the Past 10 Years
Min: 0.19  Med: 0.50 Max: 1.5
Current: 0.53
0.19
1.5
Dividend Growth (3y) 5.10
CBU's Dividend Growth (3y) is ranked higher than
50% of the 730 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. CBU: 5.10 )
Ranked among companies with meaningful Dividend Growth (3y) only.
CBU' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 4.1  Med: 5.95 Max: 11.6
Current: 5.1
4.1
11.6
Forward Dividend Yield 3.47
CBU's Forward Dividend Yield is ranked higher than
55% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. CBU: 3.47 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 4.49
CBU's Yield on cost (5-Year) is ranked higher than
62% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. CBU: 4.49 )
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: 3.6  Med: 4.77 Max: 8.21
Current: 4.49
3.6
8.21
3-Year Average Share Buyback Ratio -4.30
CBU's 3-Year Average Share Buyback Ratio is ranked lower than
64% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. CBU: -4.30 )
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: -18.5  Med: -6.00 Max: 0.4
Current: -4.3
-18.5
0.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.24
CBU's Price/Tangible Book is ranked lower than
88% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. CBU: 2.24 )
Ranked among companies with meaningful Price/Tangible Book only.
CBU' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.18  Med: 2.62 Max: 4.15
Current: 2.24
1.18
4.15
Price/Projected FCF 0.88
CBU's Price/Projected FCF is ranked lower than
70% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CBU: 0.88 )
Ranked among companies with meaningful Price/Projected FCF only.
CBU' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.38  Med: 0.76 Max: 1.49
Current: 0.88
0.38
1.49
Price/Median PS Value 1.18
CBU's Price/Median PS Value is ranked lower than
74% of the 2108 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. CBU: 1.18 )
Ranked among companies with meaningful Price/Median PS Value only.
CBU' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.53  Med: 0.91 Max: 2.3
Current: 1.18
0.53
2.3
Price/Graham Number 1.44
CBU's Price/Graham Number is ranked lower than
80% of the 2062 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CBU: 1.44 )
Ranked among companies with meaningful Price/Graham Number only.
CBU' s Price/Graham Number Range Over the Past 10 Years
Min: 0.73  Med: 1.32 Max: 1.76
Current: 1.44
0.73
1.76
Earnings Yield (Greenblatt) (%) 6.80
CBU's Earnings Yield (Greenblatt) (%) is ranked lower than
52% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. CBU: 6.80 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CBU' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.7  Med: 5.60 Max: 8.7
Current: 6.8
2.7
8.7
Forward Rate of Return (Yacktman) (%) 9.88
CBU's Forward Rate of Return (Yacktman) (%) is ranked lower than
62% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. CBU: 9.88 )
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: 0.6  Med: 13.90 Max: 22
Current: 9.88
0.6
22

More Statistics

Revenue(Mil) $372
EPS $ 2.28
Beta1.05
Short Percentage of Float6.41%
52-Week Range $34.15 - 44.11
Shares Outstanding(Mil)41.10

Analyst Estimate

Dec16 Dec17
Revenue(Mil)
EPS($) 2.34 2.40
EPS without NRI($) 2.34 2.40

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

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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. Earnings Analysis: Q4, 2015 By the Numbers Jan 25 2016
Company News for January 22, 2016 Jan 22 2016
Community Bank upgraded by Sandler O'Neill Jan 22 2016
Edited Transcript of CBU earnings conference call or presentation 21-Jan-16 4:00pm GMT Jan 21 2016
COMMUNITY BANK SYSTEM, INC. Files SEC form 8-K, Results of Operations and Financial Condition,... Jan 21 2016
Q4 2015 Community Bank System Inc Earnings Release - Before Market Open Jan 21 2016
Community Bank System Reports Fourth Quarter and Full Year 2015 Results Jan 20 2016
Community Bank System Reports Fourth Quarter and Full Year 2015 Results Jan 20 2016
Community Bank System Announces Fourth Quarter and Year End 2015 Earnings Conference Call Jan 19 2016
Community Bank System Announces Fourth Quarter and Year End 2015 Earnings Conference Call Jan 19 2016
Community Bank System Announces Fourth Quarter and Year End 2015 Earnings Conference Call Jan 08 2016
Community Bank System Announces Fourth Quarter and Year End 2015 Earnings Conference Call Jan 08 2016
COMMUNITY BANK SYSTEM, INC. Files SEC form 8-K, Change in Directors or Principal Officers, Other... Jan 07 2016
COMMUNITY BANK SYSTEM, INC. Files SEC form 8-K/A, Change in Directors or Principal Officers Dec 22 2015
COMMUNITY BANK SYSTEM, INC. Files SEC form 8-K, Completion of Acquisition or Disposition of Assets,... Dec 10 2015
Community Bank System, Inc. Announces Results of Allocation and Proration of Oneida Financial Corp.... Dec 09 2015
Community Bank System, Inc. Announces Results of Allocation and Proration of Oneida Financial Corp.... Dec 09 2015
COMMUNITY BANK SYSTEM, INC. Financials Dec 08 2015
Community Bank System, Inc. Completes Merger with Oneida Financial Corp. Dec 07 2015
Community Bank System, Inc. Completes Merger with Oneida Financial Corp. Dec 07 2015

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