Community Bank System Stock Analysis

CBU Stock  USD 58.43  0.03  0.05%   
Community Bank System is undervalued with Real Value of 62.11 and Target Price of 66.5. The main objective of Community Bank stock analysis is to determine its intrinsic value, which is an estimate of what Community Bank System is worth, separate from its market price. There are two main types of Community Bank's stock analysis: fundamental analysis and technical analysis.
The Community Bank stock is traded in the USA on New York Stock Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Community Bank is usually not traded on Dr . Martin Luther King Jr 's Birthday, Washington 's Birthday, Good Friday, Memorial Day, Juneteenth Holiday, Independence Day, Labour Day, Thanksgiving Day, Christmas Day, New Year 's Day. Community Stock trading window is adjusted to America/New York timezone.
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Community Bank System. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.

Community Stock Analysis Notes

About 75.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 1.68. Some equities with similar Price to Book (P/B) outperform the market in the long run. Community Bank System has Price/Earnings To Growth (PEG) ratio of 2.17. The entity last dividend was issued on the 13th of June 2025. The firm had 2:1 split on the 13th of April 2004. 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. Community Bank System, Inc. was founded in 1866 and is headquartered in DeWitt, New York. Community Bank operates under BanksRegional classification in the United States and is traded on New York Stock Exchange. It employs 2728 people. For more info on Community Bank System please contact Mark Tryniski at 315 445 2282 or go to https://communityfinancialsystem.com.

Community Bank Quarterly Total Revenue

243.68 Million

Community Bank System Investment Alerts

Over 75.0% of the company shares are held by institutions such as insurance companies
On 10th of July 2025 Community Bank paid $ 0.46 per share dividend to its current shareholders
Latest headline from thelincolnianonline.com: Community Financial System, Inc. Raises Dividend to 0.47 Per Share

Community Bank System Upcoming and Recent Events

23rd of April 2024
Upcoming Quarterly Report
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29th of July 2024
Next Financial Report
View
31st of March 2024
Next Fiscal Quarter End
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28th of January 2025
Next Fiscal Year End
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31st of December 2023
Last Quarter Report
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31st of December 2023
Last Financial Announcement
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Community Largest EPS Surprises

Earnings surprises can significantly impact Community Bank's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2002-04-18
2002-03-310.270.30.0311 
2001-07-19
2001-06-300.30.26-0.0413 
1998-04-21
1998-03-310.280.24-0.0414 
View All Earnings Estimates

Community Bank Environmental, Social, and Governance (ESG) Scores

Community Bank's ESG score is a quantitative measure that evaluates Community Bank's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of Community Bank's operations that may have significant financial implications and affect Community Bank's stock price as well as guide investors towards more socially responsible investments.

Community Stock Institutional Investors

Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
Shares
Norges Bank2024-12-31
563.9 K
Goldman Sachs Group Inc2025-03-31
550.6 K
Bank Of New York Mellon Corp2025-03-31
540.8 K
Segall Bryant & Hamill2025-03-31
430.4 K
Public Employees Retirt Assn Of Colorado2025-03-31
381.1 K
Amvescap Plc.2025-03-31
339.7 K
Balyasny Asset Management Llc2025-03-31
283.3 K
Bank Of America Corp2025-03-31
279.3 K
Principal Financial Group Inc2025-03-31
262.2 K
Blackrock Inc2025-03-31
7.7 M
Vanguard Group Inc2025-03-31
6.3 M
Note, although Community Bank's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Community Market Capitalization

The company currently falls under 'Mid-Cap' category with a total capitalization of 3.09 B.

Community Profitablity

The company has Net Profit Margin of 0.26 %, which implies that it may need a different competitive strategy as even a very small decline in it revenue may erase profits and result in a net loss. This is way below average. In the same way, it shows Net Operating Margin of 0.36 %, which entails that for every 100 dollars of revenue, it generated $0.36 of operating income.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.01  0.01 
Return On Capital Employed 0.09  0.12 
Return On Assets 0.01  0.01 
Return On Equity 0.10  0.11 

Management Efficiency

Community Bank System has Return on Asset of 0.0117 % which means that on every $100 spent on assets, it made $0.0117 of profit. This is way below average. In the same way, it shows a return on shareholders' equity (ROE) of 0.1096 %, implying that it generated $0.1096 on every 100 dollars invested. Community Bank's management efficiency ratios could be used to measure how well Community Bank manages its routine affairs as well as how well it operates its assets and liabilities. At this time, Community Bank's Return On Capital Employed is comparatively stable compared to the past year. Return On Equity is likely to gain to 0.11 in 2025, whereas Return On Tangible Assets are likely to drop 0.01 in 2025. Total Current Liabilities is likely to gain to about 14.5 B in 2025. Liabilities And Stockholders Equity is likely to gain to about 17.2 B in 2025
Last ReportedProjected for Next Year
Book Value Per Share 33.42  35.09 
Tangible Book Value Per Share 16.33  8.18 
Enterprise Value Over EBITDA 15.30  9.76 
Price Book Value Ratio 1.85  1.16 
Enterprise Value Multiple 15.30  9.76 
Price Fair Value 1.85  1.16 
Community Bank's management has consistently demonstrated strong leadership, driving both financial growth and operational excellence. By analyzing current market trends and future growth opportunities, we assess the stock's true value and potential for investors.
Dividend Yield
0.0324
Operating Margin
0.3574
Profit Margin
0.2577
Forward Dividend Yield
0.0324
Beta
0.804

Technical Drivers

As of the 21st of July, Community Bank shows the Risk Adjusted Performance of 0.1239, mean deviation of 1.18, and Downside Deviation of 1.39. Community Bank System technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices.

Community Bank System Price Movement Analysis

The output start index for this execution was twenty-nine with a total number of output elements of thirty-two. The Simple Moving Average indicator is calculated by adding the closing price of Community Bank for a given number of time periods and then dividing this total by the number of time periods. It is used to smooth out Community Bank System short-term fluctuations and highlight longer-term trends or cycles.

Community Bank System Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Community Bank insiders, such as employees or executives, is commonly permitted as long as it does not rely on Community Bank's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Community Bank insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.

Community Bank Outstanding Bonds

Community Bank issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Community Bank System uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Community bonds can be classified according to their maturity, which is the date when Community Bank System has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

Community Bank Predictive Daily Indicators

Community Bank intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Community Bank stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

Community Bank Corporate Filings

8K
25th of June 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F4
24th of June 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
6th of June 2025
Other Reports
ViewVerify
30th of May 2025
Other Reports
ViewVerify
8K
23rd of May 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
13th of May 2025
Other Reports
ViewVerify
10Q
9th of May 2025
Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations
ViewVerify
F4
5th of May 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify

Community Bank Forecast Models

Community Bank's time-series forecasting models are one of many Community Bank's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Community Bank's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

About Community Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how Community Bank prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Community shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Community Bank. By using and applying Community Stock analysis, traders can create a robust methodology for identifying Community entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.25  0.18 
Operating Profit Margin 0.25  0.18 
Net Profit Margin 0.19  0.14 
Gross Profit Margin 0.77  0.58 

Current Community Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Community analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Community analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceAdvice# of Analysts
66.5Buy6Odds
Community Bank System current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most Community analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand Community stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of Community Bank System, talking to its executives and customers, or listening to Community conference calls.
Community Analyst Advice Details

Community Stock Analysis Indicators

Community Bank System stock analysis indicators help investors evaluate how Community Bank stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Community Bank shares will generate the highest return on investment. By understating and applying Community Bank stock analysis, traders can identify Community Bank position entry and exit signals to maximize returns.
Begin Period Cash Flow191 M
Long Term Debt619.3 M
Common Stock Shares Outstanding52.9 M
Total Stockholder Equity1.8 B
Total Cashflows From Investing Activities-835.6 M
Tax Provision54.2 M
Quarterly Earnings Growth Y O Y0.224
Property Plant And Equipment Net183.8 M
Cash And Short Term Investments509 M
Cash191.9 M
Net Debt807 M
50 Day M A57.03
Total Current Liabilities13.8 B
Other Operating Expenses704 M
Non Current Assets Total15.8 B
Forward Price Earnings15.7729
Non Currrent Assets Other561.8 M
Stock Based Compensation8.4 M

Additional Tools for Community Stock Analysis

When running Community Bank's price analysis, check to measure Community Bank's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Community Bank is operating at the current time. Most of Community Bank's value examination focuses on studying past and present price action to predict the probability of Community Bank's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Community Bank's price. Additionally, you may evaluate how the addition of Community Bank to your portfolios can decrease your overall portfolio volatility.