Financial Services - Banks - Regional - NYSE - US
$ 69.07
0.626 %
$ 3.63 B
Market Cap
22.07
P/E
Community Bank System, Inc. operates as the bank holding company for Community Bank, N.A. that provides various banking and other financial services to retail, commercial, and municipal customers. It operates through three segments: Banking, Employee Benefit Services, and All Other. The company offers various deposits products, such as checking, savings, and money market deposit accounts, as well as time deposits. It also provides loans, including consumer mortgages; general purpose commercial and industrial loans, and mortgages on commercial properties; paycheck protection program loans; installment loans that are originated through selected dealerships and are secured by automobiles, marine, and other recreational vehicles; personal installment loans and lines of credit for consumers; and home equity products.[ Read More ]
The intrinsic value of one CBU stock under the base case scenario is HIDDEN Compared to the current market price of 69.1 USD, Community Bank System, Inc. is HIDDEN
2. FUNDAMENTAL
ANALYSIS
Price Chart CBU
FINANCIALS
641 M
REVENUE
227 M
OPERATING INCOME
131 M
NET INCOME
228 M
OPERATING CASH FLOW
336 M
INVESTING CASH FLOW
-583 M
FINANCING CASH FLOW
164 M
REVENUE
57 M
OPERATING INCOME
44.2 M
NET INCOME
56.9 M
OPERATING CASH FLOW
-239 M
INVESTING CASH FLOW
327 M
FINANCING CASH FLOW
Balance Sheet Decomposition
Community Bank System, Inc.
| Current Assets | 438 M |
| Cash & Short-Term Investments | 191 M |
| Receivables | 0 |
| Other Current Assets | 247 M |
| Non-Current Assets | 19.4 B |
| Long-Term Investments | 4.1 B |
| PP&E | 173 M |
| Other Non-Current Assets | 15.1 B |
| Current Liabilities | 6.08 B |
| Accounts Payable | 0 |
| Short-Term Debt | 53 M |
| Other Current Liabilities | 6.03 B |
| Non-Current Liabilities | 7.55 B |
| Long-Term Debt | 408 M |
| Other Non-Current Liabilities | 7.14 B |
EFFICIENCY
Earnings Waterfall
Community Bank System, Inc.
| Revenue | 641 M |
| Cost Of Revenue | -115 M |
| Gross Profit | 756 M |
| Operating Expenses | 414 M |
| Operating Income | 227 M |
| Other Expenses | 95.6 M |
| Net Income | 131 M |
RATIOS
118.00%
GROSS MARGIN
35.44%
OPERATING MARGIN
20.59%
NET MARGIN
7.77%
ROE
0.84%
ROA
8.25%
ROIC
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis
Community Bank System, Inc.
| Net Income | 131 M |
| Depreciation & Amortization | 28.4 M |
| Capital Expenditures | -18.6 M |
| Stock-Based Compensation | 9.27 M |
| Change in Working Capital | 1.11 M |
| Others | 66.8 M |
| Free Cash Flow | 210 M |
Wall Street Analysts Price Targets
Community Bank System, Inc.
Wall Street analysts predict an average 1-year price target for CBU of $67 , with forecasts ranging from a low of $67 to a high of $67 .
CBU Lowest Price Target
Wall Street Target
67 USD
-3.00%
CBU Average Price Target
Wall Street Target
67 USD
-3.00%
CBU Highest Price Target
Wall Street Target
67 USD
-3.00%
4. DIVIDEND ANALYSIS
0.77%
DIVIDEND YIELD
0.46 USD
DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership
Community Bank System, Inc.
Sold
0-3 MONTHS
287 K USD 1
3-6 MONTHS
0 USD 0
6-9 MONTHS
163 K USD 1
9-12 MONTHS
669 K USD 1
Bought
39.8 K USD 1
0-3 MONTHS
43.5 K USD 1
3-6 MONTHS
43.7 K USD 1
6-9 MONTHS
0 USD 0
9-12 MONTHS
| Date | Value | Insider | Amount | Avg Price |
|---|---|---|---|---|
|
1 week ago
Nov 05, 2024
|
Bought 19.9 K USD
|
MacPherson Kerrie D.
Director |
+ 320
|
62.195 USD |
|
1 week ago
Nov 06, 2024
|
Sell 152 K USD
|
Bolus Mark J.
Director |
- 2192
|
69.5407 USD |
|
1 week ago
Nov 06, 2024
|
Sell 134 K USD
|
Bolus Mark J.
Director |
- 1900
|
70.6592 USD |
|
1 week ago
Nov 05, 2024
|
Bought 19.9 K USD
|
MacPherson Kerrie D.
Director |
+ 320
|
62.195 USD |
|
5 months ago
Jun 13, 2024
|
Bought 43.5 K USD
|
Karaivanov Dimitar
President & CEO |
+ 1000
|
43.52 USD |
|
8 months ago
Feb 21, 2024
|
Sell 163 K USD
|
Bolus Mark J.
Director |
- 3631
|
45 USD |
|
9 months ago
Feb 14, 2024
|
Bought 43.7 K USD
|
Karaivanov Dimitar
President & CEO |
+ 1000
|
43.7 USD |
|
9 months ago
Jan 29, 2024
|
Sell 171 K USD
|
STEELE SALLY A
Director |
- 3501
|
48.76 USD |
|
10 months ago
Dec 26, 2023
|
Sell 499 K USD
|
STEELE SALLY A
Director |
- 9400
|
53.05 USD |
|
1 year ago
Oct 27, 2023
|
Bought 50.2 K USD
|
LEVY JEFFREY M
President, Commercial Banking |
+ 1300
|
38.6043 USD |
|
1 year ago
Sep 22, 2023
|
Bought 99.7 K USD
|
ACE BRIAN R
Director |
+ 2410
|
41.37 USD |
|
1 year ago
Sep 07, 2023
|
Bought 44.5 K USD
|
Karaivanov Dimitar
EVP, Chief Operating Officer |
+ 1000
|
44.5 USD |
|
1 year ago
Aug 16, 2023
|
Bought 48.5 K USD
|
Karaivanov Dimitar
EVP, Chief Operating Officer |
+ 1000
|
48.5 USD |
|
1 year ago
Mar 20, 2023
|
Bought 55.4 K USD
|
MacPherson Kerrie D.
Director |
+ 1000
|
55.4233 USD |
|
1 year ago
Mar 20, 2023
|
Bought 55.4 K USD
|
MacPherson Kerrie D.
Director |
+ 1000
|
55.4233 USD |
|
1 year ago
Mar 15, 2023
|
Bought 106 K USD
|
Parente John
Director |
+ 2000
|
53.2 USD |
|
1 year ago
Mar 15, 2023
|
Bought 107 K USD
|
STEELE SALLY A
Director |
+ 2000
|
53.4617 USD |
|
1 year ago
Mar 13, 2023
|
Sell 24.7 K USD
|
Bolus Mark J.
Director |
- 468
|
52.8729 USD |
|
1 year ago
Mar 13, 2023
|
Sell 25.4 K USD
|
ACE BRIAN R
Director |
- 483
|
52.5725 USD |
|
1 year ago
Mar 01, 2023
|
Sell 252 K USD
|
Bolus Mark J.
Director |
- 4163
|
60.539 USD |
|
1 year ago
Mar 01, 2023
|
Sell 251 K USD
|
ACE BRIAN R
Director |
- 4148
|
60.54 USD |
|
2 years ago
May 23, 2022
|
Sell 131 K USD
|
STEELE SALLY A
director: |
- 2000
|
65.2989 USD |
|
2 years ago
Apr 29, 2022
|
Bought 11.9 K USD
|
MacPherson Kerrie D.
director: |
+ 180
|
66.37 USD |
|
2 years ago
Apr 28, 2022
|
Sell 665 K USD
|
STEELE SALLY A
director: |
- 10000
|
66.5168 USD |
|
2 years ago
Mar 28, 2022
|
Sell 67.3 K USD
|
LEVY JEFFREY M
President, Commercial Banking |
- 954
|
70.537 USD |
|
2 years ago
Mar 02, 2022
|
Sell 240 K USD
|
STEELE SALLY A
director: |
- 3275
|
73.2347 USD |
|
2 years ago
Jan 07, 2022
|
Bought 19.3 K USD
|
Knauss Jeffery J
Director |
+ 250
|
77.27 USD |
|
2 years ago
Dec 22, 2021
|
Sell 521 K USD
|
Getman George J
Executive VP & General Counsel |
- 7097
|
73.4211 USD |
|
3 years ago
May 20, 2021
|
Bought 35 K USD
|
MacPherson Kerrie D.
Director |
+ 439
|
79.8108 USD |
|
3 years ago
Mar 10, 2021
|
Sell 601 K USD
|
Parente John
Director |
- 7568
|
79.3567 USD |
|
3 years ago
Feb 26, 2021
|
Sell 329 K USD
|
Bolus Mark J.
Director |
- 4566
|
72.0232 USD |
|
3 years ago
Feb 22, 2021
|
Sell 337 K USD
|
Getman George J
Executive VP & General Counsel |
- 4727
|
71.3259 USD |
|
3 years ago
Feb 12, 2021
|
Sell 319 K USD
|
ACE BRIAN R
Director |
- 4566
|
69.9059 USD |
|
3 years ago
Feb 12, 2021
|
Sell 224 K USD
|
STEELE SALLY A
Director |
- 3195
|
70.014 USD |
|
3 years ago
Feb 12, 2021
|
Sell 324 K USD
|
Getman George J
Executive VP & General Counsel |
- 4600
|
70.3599 USD |
|
3 years ago
Feb 09, 2021
|
Sell 212 K USD
|
STICKELS ERIC
Director |
- 3000
|
70.63 USD |
|
3 years ago
Feb 09, 2021
|
Sell 212 K USD
|
STICKELS ERIC
Director |
- 3000
|
70.76 USD |
|
3 years ago
Dec 22, 2020
|
Bought 7.42 K USD
|
SKERRITT SUSAN E
Director |
+ 119
|
62.33 USD |
|
3 years ago
Dec 21, 2020
|
Bought 9.98 K USD
|
SKERRITT SUSAN E
Director |
+ 161
|
62.01 USD |
|
3 years ago
Dec 18, 2020
|
Sell 425 K USD
|
Whipple John F.
Director |
- 6631
|
64.1464 USD |
|
3 years ago
Dec 15, 2020
|
Sell 670 K USD
|
STEELE SALLY A
Director |
- 10240
|
65.4001 USD |
|
3 years ago
Dec 03, 2020
|
Bought 6.4 K USD
|
SKERRITT SUSAN E
Director |
+ 100
|
63.99 USD |
|
3 years ago
Nov 23, 2020
|
Sell 156 K USD
|
MICHAEL R KALLET
Director |
- 2403
|
64.732 USD |
|
4 years ago
Nov 11, 2020
|
Sell 139 K USD
|
Fesette Neil E.
Director |
- 2200
|
63.27 USD |
|
4 years ago
Nov 09, 2020
|
Sell 190 K USD
|
Getman George J
Executive VP & General Counsel |
- 2910
|
65.153 USD |
|
4 years ago
Nov 10, 2020
|
Sell 363 K USD
|
Getman George J
Executive VP & General Counsel |
- 5579
|
65.0787 USD |
|
4 years ago
Nov 09, 2020
|
Sell 288 K USD
|
Parente John
Director |
- 4566
|
63.0105 USD |
|
4 years ago
Nov 09, 2020
|
Sell 309 K USD
|
Parente John
Director |
- 4631
|
66.828 USD |
|
4 years ago
Nov 09, 2020
|
Sell 254 K USD
|
ACE BRIAN R
Director |
- 3850
|
65.9589 USD |
|
4 years ago
Oct 30, 2020
|
Sell 153 K USD
|
Bolus Mark J.
Director |
- 2640
|
57.783 USD |
|
4 years ago
Sep 30, 2020
|
Sell 66.6 K USD
|
Bolus Mark J.
Director |
- 1210
|
55 USD |
|
4 years ago
Jun 05, 2020
|
Sell 130 K USD
|
MICHAEL R KALLET
Director |
- 2000
|
65.116 USD |
|
4 years ago
Jun 04, 2020
|
Sell 183 K USD
|
MICHAEL R KALLET
Director |
- 3000
|
60.8456 USD |
|
4 years ago
Apr 29, 2020
|
Sell 201 K USD
|
MICHAEL R KALLET
Director |
- 3000
|
67.0724 USD |
|
4 years ago
Apr 24, 2020
|
Sell 269 K USD
|
Kingsley Scott Allen
EVP, Chief Operating Officer |
- 4459
|
60.3763 USD |
|
4 years ago
Apr 27, 2020
|
Sell 306 K USD
|
Kingsley Scott Allen
EVP, Chief Operating Officer |
- 5044
|
60.6741 USD |
|
4 years ago
Mar 26, 2020
|
Bought 36.6 K USD
|
MacPherson Kerrie D.
Director |
+ 675
|
54.2049 USD |
|
4 years ago
Dec 23, 2019
|
Sell 706 K USD
|
TRYNISKI MARK E
President & CEO |
- 10000
|
70.6 USD |
|
4 years ago
Dec 24, 2019
|
Sell 963 K USD
|
TRYNISKI MARK E
President & CEO |
- 13691
|
70.3468 USD |
|
4 years ago
Dec 12, 2019
|
Sell 104 K USD
|
MICHAEL R KALLET
Director |
- 1500
|
69.2259 USD |
|
4 years ago
Dec 03, 2019
|
Sell 99.9 K USD
|
MICHAEL R KALLET
Director |
- 1500
|
66.62 USD |
|
4 years ago
Dec 02, 2019
|
Sell 246 K USD
|
STEELE SALLY A
Director |
- 3631
|
67.6567 USD |
|
4 years ago
Nov 26, 2019
|
Bought 24.9 K USD
|
MacPherson Kerrie D.
Director |
+ 368
|
67.62 USD |
|
5 years ago
Nov 11, 2019
|
Sell 504 K USD
|
Serbun Joseph F
EVP, Chief Credit Officer |
- 7342
|
68.5891 USD |
|
5 years ago
Nov 01, 2019
|
Sell 204 K USD
|
STICKELS ERIC
Director |
- 3000
|
68.1232 USD |
|
5 years ago
Jun 28, 2019
|
Sell 294 K USD
|
ACE BRIAN R
Director |
- 4471
|
65.7818 USD |
|
5 years ago
May 20, 2019
|
Sell 201 K USD
|
MICHAEL R KALLET
Director |
- 3100
|
64.8261 USD |
|
5 years ago
Mar 18, 2019
|
Sell 420 K USD
|
MICHAEL R KALLET
Director |
- 6725
|
62.4851 USD |
|
5 years ago
Feb 07, 2019
|
Sell 700 K USD
|
TRYNISKI MARK E
President & CEO |
- 11269
|
62.0985 USD |
|
5 years ago
Feb 07, 2019
|
Sell 6.29 K USD
|
TRYNISKI MARK E
President & CEO |
- 100
|
62.88 USD |
7. News
Community Financial (CBU) Upgraded to Buy: Here's What You Should Know
Community Financial (CBU) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.
zacks.com
- 1 week ago
Community Financial System: Earnings Outlook Is Positive, But Stock Appears Fairly Valued (Rating Downgrade)
The upcoming maturity of fixed-rate loans and the subsequent reinvestment will boost the margin. Interest rate cuts and strong labor markets bode well for loan growth. The December 2025 target price suggests a single-digit upside from the current market price.
seekingalpha.com
- 2 weeks ago
Community Financial (CBU) May Find a Bottom Soon, Here's Why You Should Buy the Stock Now
Community Financial (CBU) witnesses a hammer chart pattern, indicating support found by the stock after losing some value lately. This coupled with an upward trend in earnings estimate revisions could mean a trend reversal for the stock in the near term.
zacks.com
- 3 weeks ago
Community Bank System, Inc. (CBU) Q3 2024 Earnings Call Transcript
Community Bank System, Inc. (NYSE:CBU ) Q3 2024 Earnings Conference Call October 22, 2024 11:00 AM ET Company Participants Dimitar Karaivanov - President and Chief Executive Officer Joseph Sutaris - Executive Vice President and Chief Financial Officer Conference Call Participants Matthew Breese - Stephens Inc Steve Moss - Raymond James Sharanjit Cheema - D.A. Davidson Christopher O'Connell - KBW Operator Good day and welcome to the Community Financial Systems Incorporated Third Quarter 2024 Earnings Conference Call.
seekingalpha.com
- 3 weeks ago
Community Financial (CBU) Reports Q3 Earnings: What Key Metrics Have to Say
While the top- and bottom-line numbers for Community Financial (CBU) give a sense of how the business performed in the quarter ended September 2024, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.
zacks.com
- 3 weeks ago
Community Financial System (CBU) Lags Q3 Earnings Estimates
Community Financial System (CBU) came out with quarterly earnings of $0.83 per share, missing the Zacks Consensus Estimate of $0.86 per share. This compares to earnings of $0.82 per share a year ago.
zacks.com
- 3 weeks ago
Community Financial System, Inc. Announces Quarterly Dividend
SYRACUSE, N.Y.--(BUSINESS WIRE)--Community Financial System, Inc. Announces Quarterly Dividend.
businesswire.com
- 1 month ago
All You Need to Know About Community Financial (CBU) Rating Upgrade to Strong Buy
Community Financial (CBU) has been upgraded to a Zacks Rank #1 (Strong Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.
zacks.com
- 1 month ago
Best Momentum Stocks to Buy for October 3rd
TMDX, CCL, and CBU made it to the Zacks Rank #1 (Strong Buy) momentum stocks list on October 3, 2024.
zacks.com
- 1 month ago
New Strong Buy Stocks for October 3rd
CCL, TMDX, CBU, RWEOY and ADDYY have been added to the Zacks Rank #1 (Strong Buy) List on October 3, 2024.
zacks.com
- 1 month ago
Best Income Stocks to Buy for October 3rd
CBU made it to the Zacks Rank #1 (Strong Buy) income stocks list on October 3, 2024.
zacks.com
- 1 month ago
Community Financial System Announces Third Quarter 2024 Earnings Conference Call
SYRACUSE, N.Y., Sept. 23, 2024 (GLOBE NEWSWIRE) -- Community Financial System, Inc. (NYSE: CBU) invites you to participate in a conference call to discuss the Company's financial and operating performance during its third quarter ended September 30, 2024.
globenewswire.com
- 1 month ago
8. Profile Summary
Community Bank System, Inc. CBU
COUNTRY
US
INDUSTRY
Banks - Regional
MARKET CAP
$ 3.63 B
Dividend Yield
0.77%
Description
Community Bank System, Inc. operates as the bank holding company for Community Bank, N.A. that provides various banking and other financial services to retail, commercial, and municipal customers. It operates through three segments: Banking, Employee Benefit Services, and All Other. The company offers various deposits products, such as checking, savings, and money market deposit accounts, as well as time deposits. It also provides loans, including consumer mortgages; general purpose commercial and industrial loans, and mortgages on commercial properties; paycheck protection program loans; installment loans that are originated through selected dealerships and are secured by automobiles, marine, and other recreational vehicles; personal installment loans and lines of credit for consumers; and home equity products. In addition, the company offers broker-dealer and investment advisory; cash management, investment, and treasury services; asset management; and employee benefit services, as well as operates as a full-service insurance agency that offers personal and commercial lines of insurance, and other risk management products and services. Further, it provides contribution plan administration, employee benefit trust, collective investment fund, retirement plan administration, fund administration, transfer agency, actuarial and benefit consulting, VEBA/HRA, and health and welfare consulting services. Additionally, the company offers wealth management, retirement planning, higher educational planning, fiduciary, risk management, trust, and personal financial planning services; and investment alternatives, including stocks, bonds, mutual funds, and advisory products, as well as master recordkeeping services. As of January 24, 2022, it operated approximately 215 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont, and Western Massachusetts. Community Bank System, Inc. was founded in 1866 and is headquartered in DeWitt, New York.
Contact
5790 Widewaters Parkway, Dewitt, NY, 13214-1883
https://cbna.com
IPO Date
Nov. 26, 1985
Employees
2687
Officers
Ms. Deresa F. Durkee
Senior Vice President & Chief Accounting Officer
Dorothy Quarltere
Chief Compliance Officer
Mr. Michael T. Cerminaro
President & Chief Executive Officer of Wealth Management Division
Ms. Maureen A. Gillan-Myer
Executive Vice President & Chief Human Resources Officer and Administration officer
Mr. Aaron Friot
Senior Vice President, Chief Technology & Operations Officer
Mr. Jeffrey M. Levy
Senior Vice President & Chief Banking Officer
Mr. Michael N. Abdo
Executive Vice President & General Counsel
Mr. Daniel L. Bailey
Senior Vice President & Chief Risk Officer
Mr. Joseph E. Sutaris
Executive Vice President, Chief Financial Officer & Treasurer
Mr. Dimitar A. Karaivanov
President, Chief Executive Officer & Director