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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 3.03
CBU's Cash-to-Debt is ranked higher than
54% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.48 vs. CBU: 3.03 )
Ranked among companies with meaningful Cash-to-Debt only.
CBU' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.1  Med: 0.37 Max: N/A
Current: 3.03
Equity-to-Asset 0.15
CBU's Equity-to-Asset is ranked higher than
85% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CBU: 0.15 )
Ranked among companies with meaningful Equity-to-Asset only.
CBU' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.1 Max: 0.15
Current: 0.15
0.06
0.15
Interest Coverage 13.93
CBU's Interest Coverage is ranked higher than
91% of the 1690 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.68 vs. CBU: 13.93 )
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: 13.93
Current: 13.93
0.38
13.93
Beneish M-Score: -2.46
WACC vs ROIC
8.11%
8.36%
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 : 6/10

vs
industry
vs
history
Operating Margin % 35.47
CBU's Operating Margin % is ranked higher than
59% of the 1651 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.66 vs. CBU: 35.47 )
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: 35.99
Current: 35.47
21.31
35.99
Net Margin % 24.24
CBU's Net Margin % is ranked higher than
55% of the 1653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.93 vs. CBU: 24.24 )
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: 24.24
16.64
25.14
ROE % 8.51
CBU's ROE % is ranked higher than
50% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.55 vs. CBU: 8.51 )
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: 8.51
7.47
10.7
ROA % 1.21
CBU's ROA % is ranked higher than
71% of the 1657 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. CBU: 1.21 )
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: 1.21
0.78
1.25
3-Year Revenue Growth Rate 4.70
CBU's 3-Year Revenue Growth Rate is ranked higher than
53% of the 1392 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. CBU: 4.70 )
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: 4.6 Max: 17.9
Current: 4.7
-8
17.9
3-Year EBITDA Growth Rate 7.50
CBU's 3-Year EBITDA Growth Rate is ranked higher than
52% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. CBU: 7.50 )
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: 7.7 Max: 45.7
Current: 7.5
-13.3
45.7
3-Year EPS without NRI Growth Rate 6.10
CBU's 3-Year EPS without NRI Growth Rate is ranked lower than
53% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 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: 5.8 Max: 64
Current: 6.1
-7.5
64
GuruFocus has detected 1 Warning Sign 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 30-Y Financials

Financials (Next Earnings Date: 2017-07-25 Est.)


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

» Details

Guru Trades

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
Q1 2017

CBU Guru Trades in Q1 2017

Jim Simons 75,629 sh (-37.91%)
» 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    NAICS: 522110    SIC: 6021
Compare:NYSE:BXS, NYSE:TCF, NAS:CATY, NAS:FFIN, NYSE:STL, NAS:FMBI, NAS:GBCI, NYSE:VLY, NAS:PNFP, NYSE:EVER, NAS:HOPE, NAS:FULT, NAS:SSB, NAS:CVBF, NYSE:GWB, NAS:IBOC, NAS:CHFC, NAS:COLB, NAS:ONB, NYSE:BOH » details
Traded in other countries:CBY.Germany,
Headquarter Location:USA
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 is a financial holding company. The company primarily operates through two wholly owned subsidiaries: Community Bank, N.A. and Benefit Plans Administrative Services. Community Bank's business is operating a community bank providing a broad array of banking and financial services. These are offered chiefly to retail, commercial, and municipal customers in nonmetropolitan markets, including small towns in upstate New York and Northeastern Pennsylvania. The company has historically relied on acquisitions to fuel growth, in addition to growing organically. A majority of its loan portfolio is tilted toward the consumer market on an installment, line of credit, or residential mortgage loan basis. The majority of the company's net revenue is net interest income.

Ratios

vs
industry
vs
history
PE Ratio 23.29
CBU's PE Ratio is ranked lower than
83% of the 1664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. CBU: 23.29 )
Ranked among companies with meaningful PE Ratio only.
CBU' s PE Ratio Range Over the Past 10 Years
Min: 9.67  Med: 15.81 Max: 26.67
Current: 23.29
9.67
26.67
Forward PE Ratio 22.22
CBU's Forward PE Ratio is ranked lower than
93% of the 451 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.46 vs. CBU: 22.22 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 23.29
CBU's PE Ratio without NRI is ranked lower than
82% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.61 vs. CBU: 23.29 )
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: 15.81 Max: 26.67
Current: 23.29
9.67
26.67
Price-to-Owner-Earnings 21.70
CBU's Price-to-Owner-Earnings is ranked lower than
79% of the 910 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.67 vs. CBU: 21.70 )
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: 15.87 Max: 49.8
Current: 21.7
9.99
49.8
PB Ratio 1.93
CBU's PB Ratio is ranked lower than
83% of the 1707 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. CBU: 1.93 )
Ranked among companies with meaningful PB Ratio only.
CBU' s PB Ratio Range Over the Past 10 Years
Min: 0.83  Med: 1.38 Max: 2.29
Current: 1.93
0.83
2.29
PS Ratio 5.62
CBU's PS Ratio is ranked lower than
82% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. CBU: 5.62 )
Ranked among companies with meaningful PS Ratio only.
CBU' s PS Ratio Range Over the Past 10 Years
Min: 1.92  Med: 3.46 Max: 6.41
Current: 5.62
1.92
6.41
Price-to-Free-Cash-Flow 18.20
CBU's Price-to-Free-Cash-Flow is ranked lower than
77% of the 924 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.10 vs. CBU: 18.20 )
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: 8.36  Med: 14 Max: 27.12
Current: 18.2
8.36
27.12
Price-to-Operating-Cash-Flow 16.72
CBU's Price-to-Operating-Cash-Flow is ranked lower than
80% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.83 vs. CBU: 16.72 )
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: 7.32  Med: 11.73 Max: 20.97
Current: 16.72
7.32
20.97
EV-to-EBIT 16.52
CBU's EV-to-EBIT is ranked lower than
66% of the 1395 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.92 vs. CBU: 16.52 )
Ranked among companies with meaningful EV-to-EBIT only.
CBU' s EV-to-EBIT Range Over the Past 10 Years
Min: 11.5  Med: 16.95 Max: 37.6
Current: 16.52
11.5
37.6
EV-to-EBITDA 14.47
CBU's EV-to-EBITDA is ranked lower than
64% of the 1399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.86 vs. CBU: 14.47 )
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: 14.47
10
29.3
PEG Ratio 5.83
CBU's PEG Ratio is ranked lower than
89% of the 848 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. CBU: 5.83 )
Ranked among companies with meaningful PEG Ratio only.
CBU' s PEG Ratio Range Over the Past 10 Years
Min: 0.9  Med: 3.91 Max: 31.49
Current: 5.83
0.9
31.49
Shiller PE Ratio 26.95
CBU's Shiller PE Ratio is ranked lower than
71% of the 501 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.95 vs. CBU: 26.95 )
Ranked among companies with meaningful Shiller PE Ratio only.
CBU' s Shiller PE Ratio Range Over the Past 10 Years
Min: 9.29  Med: 16.06 Max: 30.94
Current: 26.95
9.29
30.94

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.33
CBU's Dividend Yield % is ranked lower than
57% of the 2351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. CBU: 2.33 )
Ranked among companies with meaningful Dividend Yield % only.
CBU' s Dividend Yield % Range Over the Past 10 Years
Min: 2.04  Med: 3.61 Max: 6.25
Current: 2.33
2.04
6.25
Dividend Payout Ratio 0.54
CBU's Dividend Payout Ratio is ranked lower than
63% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. CBU: 0.54 )
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: 0.54
0.5
0.7
3-Year Dividend Growth Rate 4.60
CBU's 3-Year Dividend Growth Rate is ranked lower than
59% of the 801 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 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: 6.4 Max: 14.5
Current: 4.6
4.1
14.5
Forward Dividend Yield % 2.35
CBU's Forward Dividend Yield % is ranked lower than
59% of the 2235 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. CBU: 2.35 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.95
CBU's 5-Year Yield-on-Cost % is ranked lower than
56% of the 2673 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.30 vs. CBU: 2.95 )
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: 4.56 Max: 7.9
Current: 2.95
2.58
7.9
3-Year Average Share Buyback Ratio -3.20
CBU's 3-Year Average Share Buyback Ratio is ranked lower than
56% of the 1073 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 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: -3.4 Max: 2.7
Current: -3.2
-26.5
2.7

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 3.70
CBU's Price-to-Tangible-Book is ranked lower than
95% of the 1722 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.29 vs. CBU: 3.70 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CBU' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.47  Med: 2.55 Max: 4.15
Current: 3.7
0.47
4.15
Price-to-Intrinsic-Value-Projected-FCF 1.24
CBU's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
81% of the 953 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. CBU: 1.24 )
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: 0.8 Max: 1.44
Current: 1.24
0.38
1.44
Price-to-Intrinsic-Value-DCF (Earnings Based) 1.99
CBU's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked lower than
97% of the 161 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. CBU: 1.99 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
N/A
Price-to-Median-PS-Value 1.63
CBU's Price-to-Median-PS-Value is ranked lower than
85% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. CBU: 1.63 )
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: 0.44  Med: 0.9 Max: 2.26
Current: 1.63
0.44
2.26
Price-to-Graham-Number 1.95
CBU's Price-to-Graham-Number is ranked lower than
93% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.97 vs. CBU: 1.95 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CBU' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.43  Med: 1.27 Max: 2.13
Current: 1.95
0.43
2.13
Earnings Yield (Greenblatt) % 6.05
CBU's Earnings Yield (Greenblatt) % is ranked lower than
51% of the 1832 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.18 vs. CBU: 6.05 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CBU' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 2.7  Med: 5.9 Max: 8.7
Current: 6.05
2.7
8.7
Forward Rate of Return (Yacktman) % 8.76
CBU's Forward Rate of Return (Yacktman) % is ranked lower than
59% of the 936 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.50 vs. CBU: 8.76 )
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: 12.15 Max: 22
Current: 8.76
0.6
22

More Statistics

Revenue (TTM) (Mil) $436.0
EPS (TTM) $ 2.34
Beta1.09
Short Percentage of Float11.60%
52-Week Range $38.20 - 63.04
Shares Outstanding (Mil)50.66

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $) 527 581 606
EPS ($) 2.46 2.74 2.90
EPS without NRI ($) 2.46 2.74 2.90
EPS Growth Rate
(Future 3Y To 5Y Estimate)
15.00%
Dividends per Share ($) 1.30 1.34 1.38
» More Articles for CBU

Headlines

Articles On GuruFocus.com
Community Bank System Announces First Quarter 2017 Earnings Conference Call Apr 20 2017 
Community Bank System Announces First Quarter 2017 Earnings Conference Call Apr 04 2017 
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 

More From Other Websites
Community Bank System, Inc. – Value Analysis (NYSE:CBU) : May 19, 2017 May 19 2017
Community Bank System, Inc. Declares Dividend and Announces Results of 2017 Annual Meeting May 18 2017
Community Bank System, Inc. Announces Results of Allocation and Proration of Merchants Bancshares,... May 18 2017
Community Bank System, Inc. breached its 50 day moving average in a Bearish Manner : CBU-US : May... May 18 2017
Community Bank System, Inc. Completes Merger with Merchants Bancshares, Inc. May 12 2017
Community Bank System, Inc. and Merchants Bancshares, Inc. Announce Receipt of FRB and OCC... Apr 26 2017
Community Bank System gets Fed OK to buy Merchants Bancshares Apr 26 2017
Community Bank System, Inc. breached its 50 day moving average in a Bullish Manner : CBU-US : April... Apr 26 2017
Community Bank tops 1Q profit forecasts Apr 24 2017
Community Bank System Reports First Quarter 2017 Results Apr 24 2017
Community Bank System Announces First Quarter 2017 Earnings Conference Call Apr 20 2017
Merchants Bancshares, Inc. Reports First Quarter Results; Declares Dividend Apr 20 2017
Community Bank System, Inc. : CBU-US: Dividend Analysis : March 15th, 2017 (record date) : By the... Apr 05 2017
Community Bank System, Inc. breached its 50 day moving average in a Bearish Manner : CBU-US : March... Mar 03 2017
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 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

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