Community Bank System (Community Bank System) GF Value Rank : 8 (As of Apr. 24, 2024)

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What is Community Bank System GF Value Rank?

Community Bank System has the GF Value Rank of 8.

The GF Value Rank is determined by the price-to-GF-Value (P/GF Value) ratio, a proprietary metric calculated based on historical multiples along with an adjustment factor based on a company's past returns and growth and future estimates of the business' performance.

GuruFocus found that for valuation, we cannot simply give stocks a better GF Value rank simply because they have a lower P/GF Value ratio. Backtesting shows that over the long term, the two worst-performing groups are the most expensive group (with the highest P/GF Value ratio) and the least expensive group (with the lowest P/GF Value ratio).

We can understand why the most expensive group underperforms. We were initially puzzled by the underperformance of the least expensive group, but we realized there is a reason why some stocks are super cheap. If they look too undervalued, it is often because the businesses behind them are poor quality. The market realized this and gave them low valuations. In a way, the market is efficient.

After multiple backtesting analyses, we granted the stocks in third-cheapest percentile the highest GF Value rank, as they have performed the best over a full market cycle. Stock performance is actually not as sensitive to valuation as it is to growth and profitability. On average, the companies in the 20%-50% valuation groups have similar performances. Therefore, we should avoid the most expensive and the least expensive stocks. We can be more tolerant of valuation.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Competitive Comparison of Community Bank System's GF Value Rank

For the Banks - Regional subindustry, Community Bank System's GF Value Rank, along with its competitors' market caps and GF Value Rank data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Community Bank System's GF Value Rank Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Community Bank System's GF Value Rank distribution charts can be found below:

* The bar in red indicates where Community Bank System's GF Value Rank falls into.

Community Bank System GF Value Rank Related Terms

Thank you for viewing the detailed overview of Community Bank System's GF Value Rank provided by GuruFocus.com. Please click on the following links to see related term pages.

Community Bank System (Community Bank System) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Community Bank System Inc (NYSE:CBU) » Definitions » GF Value Rank

Comparable Companies

Traded in Other Exchanges

CBY:Germany

Address

5790 Widewaters Parkway, DeWitt, NY, USA, 13214-1883

Website

https://www.cbna.com

Community Bank System Inc 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 non-metropolitan 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.

Executives

Sally A Steele	director
Jeffrey M Levy	officer: President, Commercial Banking	52 SOUTH BROAD STREET, NORWICH NY 13815
Brian R Ace	director
Dimitar Karaivanov	officer: EVP Financial Serv & Corp Dev	C/O COMMUNITY BANK SYSTEM, INC., 5790 WIDEWATERS PARKWAY, DEWITT NY 13214
Kerrie D. Macpherson	director	5790 WIDEWATERS PARKWAY, C/O COMMUNITY BANK SYSTEM INC., DEWITT NY 13214
Mark J. Bolus	director	R.R. 1, BOX 412A, DALTON PA 18414
John F. Whipple	director	1692 GOODRICH AVENUE, OLEAN NY 14760
Michael N Abdo	officer: EVP and General Counsel	5790 WIDEWATERS PARKWAY, DEWITT NY 13214
Jeffrey J Knauss	director	2438 EAST LAKE ROAD, SKANEATELES NY 13152
George J Getman	officer: Executive VP & General Counsel	7856 CAHILL ROAD, MANLIUS NY 13104
Maureen A Gillan-myer	officer: EVP, Chief Human Resources Off	C/O HSBC NORTH AMERICA, 452 FIFTH AVENUE, NEW YORK NY 10018
John Parente	director	478 SCHOOLHOUSE ROAD, TUNKHANNOCK PA 18657
Joseph Jonathon Lemchak	officer: SVP, Chief Investment Officer	4482 YOUNG ROAD, SYRACUSE NY 13215
Eric Stickels	director	182 MAIN STREET, ONEIDA NY 13421
Susan E Skerritt	director	3200 NORTHLINE AVE, SUITE 360, GREENSBORO NC 27408