CBU - Community Bank System Inc Stock Price, Fair Value and News

48.58USD+0.27 (+0.56%)Market Closed

Market Summary

USD48.58+0.27

Market Closed

0.56%

CBU Alerts

Big jump in Earnings (Y/Y)

CBU Stock Price

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CBU RSI Chart

CBU Valuation

Market Cap

2.6B

Price/Earnings (Trailing)

15.35

Price/Sales (Trailing)

4.51

EV/EBITDA

3.37

Price/Free Cashflow

11.99

CBU Price/Sales (Trailing)

CBU Profitability

EBT Margin

37.72%

Return on Equity

10.08%

Return on Assets

1.05%

Free Cashflow Yield

8.34%

CBU Fundamentals

CBU Revenue

Revenue (TTM)

568.2M

Rev. Growth (Yr)

21.27%

Rev. Growth (Qtr)

4.33%

CBU Earnings

Earnings (TTM)

167.0M

Earnings Growth (Yr)

604.93%

Earnings Growth (Qtr)

21.26%

Breaking Down CBU Revenue

Last 7 days

2.9%

Last 30 days

17.0%

Last 90 days

5.9%

Trailing 12 Months

0.0%

How does CBU drawdown profile look like?

CBU Financial Health

CBU Investor Care

Dividend Yield

3.68%

Dividend/Share (TTM)

1.79

Buy Backs (1Y)

1.78%

Diluted EPS (TTM)

3.1

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2024	568.2M	0	0	0
2023	471.9M	497.4M	519.0M	541.4M
2022	387.5M	398.3M	418.5M	443.7M
2021	389.9M	388.1M	386.3M	387.4M
2020	390.0M	392.9M	391.7M	389.3M
2019	367.0M	370.4M	378.1M	385.7M
2018	347.9M	357.5M	359.9M	362.7M
2017	285.4M	295.7M	312.9M	329.5M
2016	266.9M	274.2M	280.2M	285.2M
2015	255.4M	255.2M	256.2M	259.6M
2014	259.5M	259.4M	257.6M	256.2M
2013	281.8M	275.4M	270.1M	264.2M
2012	278.2M	278.9M	279.9M	281.4M
2011	247.5M	254.7M	262.6M	271.0M
2010	0	248.6M	248.4M	248.3M
2009	0	0	0	248.8M

Get all data in R, Python etc through our Historical Stock Data APIs

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Small Caps and Mid Caps are mostly overlooked by investors as all the focus goes to Magnificent 7. These stocks that are not part of the beauty contest require a deeper look. However, all large cap stocks were once small caps. Grufity's Fair Value model opens up this unverse as it separates high-performing, rewarding stocks from low-performing risky stocks. <b>Russell 2000 stocks that were marked 'Very Cheap' by the model doubled in three years while the index was flat.</b>

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Russell 2000 Index: $10,334
Very Expensive Stocks: $8,224

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Russell 2000 Index

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Tracking the Latest Insider Buys and Sells of Community Bank System Inc

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Apr 30, 2024	sutaris joseph e	acquired	153,150	43.22	3,543	evp & chief financial officer
Apr 12, 2024	steele sally a	acquired	-	-	1,464	-
Mar 19, 2024	karaivanov dimitar	acquired	-	-	5,332	president & ceo
Mar 19, 2024	sutaris joseph e	acquired	-	-	1,933	evp & chief financial officer
Mar 19, 2024	gillan-myer maureen a	acquired	-	-	1,391	evp, chief human resources off
Mar 19, 2024	levy jeffrey m	acquired	-	-	1,650	svp & chief banking officer
Mar 19, 2024	abdo michael n	acquired	-	-	1,325	evp and general counsel
Mar 15, 2024	stickels eric	acquired	18,847	43.65	431	-
Mar 15, 2024	parente john	acquired	52,328	43.65	1,198	-
Mar 14, 2024	knauss jeffery j	acquired	54,834	45.74	1,198	-

Which funds bought or sold CBU recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 16, 2024	COMERICA BANK	reduced	-8.83	-220,848	1,162,530	-%
May 16, 2024	JANE STREET GROUP, LLC	reduced	-78.49	-2,826,020	698,644	-%
May 16, 2024	CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM	reduced	-5.39	-376,385	2,564,130	-%
May 16, 2024	Tidal Investments LLC	added	239	563,666	828,854	0.01%
May 15, 2024	Community Bank, N.A.	reduced	-0.78	-548,555	5,870,560	0.77%
May 15, 2024	Tower Research Capital LLC (TRC)	reduced	-82.08	-372,809	73,774	-%
May 15, 2024	NOTTINGHAM ADVISORS, INC.	reduced	-0.09	-529,913	6,166,110	0.75%
May 15, 2024	Engineers Gate Manager LP	sold off	-100	-378,214	-	-%
May 15, 2024	Waterford Advisors, LLC	new	-	2,154,770	2,154,770	0.91%
May 15, 2024	Rockbridge Investment Management, LCC	sold off	-100	-167,274	-	-%

Are Funds Buying or Selling CBU?

Are funds buying CBU calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own CBU

No. of Funds

CBU Alerts

Big jump in Earnings (Y/Y)

Unveiling Community Bank System Inc's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 13, 2024	vanguard group inc	12.36%	6,596,018	SC 13G/A
Feb 12, 2024	neuberger berman group llc	5.92%	3,157,798	SC 13G
Jan 24, 2024	state street corp	7.17%	3,829,764	SC 13G/A
Jan 23, 2024	blackrock inc.	14.2%	7,595,180	SC 13G/A
Feb 10, 2023	neuberger berman group llc	4.67%	2,508,375	SC 13G/A
Feb 09, 2023	vanguard group inc	12.38%	6,654,033	SC 13G/A
Feb 08, 2023	state street corp	9.71%	5,219,705	SC 13G/A
Jan 26, 2023	blackrock inc.	14.7%	7,881,728	SC 13G/A
Jan 20, 2023	blackrock inc.	14.7%	7,881,728	SC 13G/A
May 10, 2022	state street corp	10.34%	5,576,388	SC 13G/A

Recent SEC filings of Community Bank System Inc

View All Filings

Date Filed	Form Type	Document
May 17, 2024	8-K	Current Report
May 16, 2024	8-K	Current Report
May 10, 2024	10-Q	Quarterly Report
May 02, 2024	4	Insider Trading
Apr 23, 2024	8-K	Current Report
Apr 16, 2024	4	Insider Trading
Mar 29, 2024	ARS	ARS
Mar 29, 2024	DEF 14A	DEF 14A
Mar 29, 2024	DEFA14A	DEFA14A
Mar 22, 2024	4	Insider Trading

Peers (Alternatives to Community Bank System Inc)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	588.1B	174.7B	13.73%	46.82%	11.68	3.37	53.11%	19.83%
BAC	307.4B	137.9B	11.58%	38.08%	12.28	2.23	56.12%	-12.56%
WFC	213.0B	85.8B	6.86%	51.95%	11.35	2.48	35.02%	26.14%
C	122.2B	125.0B	10.16%	38.13%	15.29	0.98	37.85%	-
CFG	16.9B	10.4B	12.51%	41.04%	11.81	1.62	26.22%	-33.87%
KEY	14.5B	8.1B	6.72%	53.23%	16.61	1.78	32.15%	-50.93%
MID-CAP
CMA	7.3B	4.2B	10.08%	41.38%	10.46	1.71	34.68%	-45.96%
ZION	6.6B	4.1B	14.23%	65.05%	10.55	1.63	32.93%	-30.73%
ABCB	3.5B	1.3B	13.35%	57.95%	12.32	2.65	30.60%	-12.99%
ASB	3.4B	2.0B	11.57%	43.03%	20.88	1.65	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
AROW	417.1M	173.1M	15.06%	27.00%	14.3	2.41	26.54%	-34.86%
ALRS	390.4M	152.4M	-0.90%	32.84%	39.27	2.56	16.94%	-73.84%
ACNB	295.5M	98.7M	10.19%	20.01%	10.04	2.99	6.27%	-22.90%
ASRV	48.0M	62.5M	8.95%	-1.75%	-16.24	0.77	18.83%	-145.18%

Community Bank System Inc News

Latest updates

Community Bank System Inc Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Income Statement (Quarterly)																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	4.3%	153	146	138	132	126	124	116	106	98.00	99.00	96.00	95.00	98.00	98.00	97.00	97.00	97.00	100	99.00	94.00	93.00
EBITDA Margin	1.8%	1.16*	1.14*	1.24*	1.32*	1.35*	1.52*	1.55*	1.57*	1.62*	1.63*	1.63*	1.62*	-	-	-	-	-	-	-	-	-
Interest Expenses	-2.0%	107	109	108	109	111	112	110	103	95.00	96.00	93.00	92.00	94.00	93.00	93.00	92.00	90.00	93.00	91.00	88.00	87.00
Income Taxes	20.6%	12.00	10.00	12.00	13.00	1.00	15.00	14.00	11.00	13.00	13.00	12.00	14.00	12.00	12.00	11.00	9.00	9.00	9.00	10.00	11.00	10.00
Earnings Before Taxes	21.1%	53.00	44.00	56.00	61.00	7.00	67.00	62.00	51.00	60.00	57.00	57.00	62.00	65.00	59.00	54.00	44.00	49.00	52.00	50.00	56.00	51.00
EBT Margin	21.4%	0.38*	0.31*	0.37*	0.40*	0.40*	0.54*	0.55*	0.56*	0.61*	0.62*	0.63*	0.62*	-	-	-	-	-	-	-	-	-
Net Income	21.3%	41.00	34.00	44.00	48.00	6.00	53.00	49.00	40.00	47.00	44.00	45.00	48.00	53.00	46.00	43.00	35.00	40.00	43.00	39.00	45.00	42.00
Net Income Margin	20.6%	0.29*	0.24*	0.29*	0.31*	0.31*	0.42*	0.43*	0.44*	0.47*	0.49*	0.50*	0.49*	-	-	-	-	-	-	-	-	-
Free Cashflow	93.3%	77.00	40.00	58.00	39.00	73.00	69.00	40.00	44.00	49.00	46.00	60.00	21.00	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Assets	1.9%	15,859	15,556	15,386	15,108	15,256	15,836	15,595	15,488	15,626	15,553	15,331	14,801	14,620	13,931	13,845	13,444	11,809	11,410	11,597	10,745	10,916
Cash Equivalents	77.2%	338	191	456	223	189	210	247	198	1,021	1,875	2,323	2,206	2,151	1,646	1,837	1,320	529	205	1,014	875	508
Net PPE	-1.4%	171	173	175	158	159	161	162	169	158	161	161	161	161	166	165	167	163	165	170	155	152
Goodwill	0.5%	850	845	845	844	843	842	845	850	799	799	799	2.00	793	794	794	793	773	-	-	-	-
Liabilities	2.5%	14,202	13,858	13,831	13,491	13,622	14,284	14,133	13,826	13,774	13,452	13,261	12,740	12,649	11,827	11,747	11,363	9,832	9,555	9,757	8,936	9,159
Shareholder's Equity	-2.4%	1,657	1,698	1,555	1,617	1,634	1,552	1,461	1,662	1,852	2,101	2,070	2,061	1,971	2,104	2,099	2,082	1,977	1,855	1,840	1,810	1,757
Retained Earnings	1.4%	1,206	1,189	1,179	1,159	1,135	1,152	1,124	1,099	1,082	1,058	1,038	1,016	991	960	936	915	902	883	861	843	818
Additional Paid-In Capital	0.3%	1,064	1,060	1,057	1,055	1,053	1,050	1,048	1,046	1,044	1,041	1,039	1,037	1,034	1,025	1,022	1,019	936	927	922	918	914
Float	-	-	-	-	2,476	-	-	-	3,353	-	-	-	4,023	-	-	-	3,000	-	-	-	3,341	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	78.7%	79,893	44,706	64,858	41,482	77,374	71,564	44,121	46,977	51,938	49,522	64,947	26,267	61,810	54,246	29,882	68,661	26,694	73,516	39,062	55,315	34,609
Share Based Compensation	-7.1%	2,378	2,560	2,515	1,922	2,272	1,691	1,857	2,304	1,886	1,498	1,594	1,568	1,674	1,771	1,415	1,281	1,952	1,287	1,241	1,366	1,391
Cashflow From Investing	27.7%	-214,676	-296,865	-123,229	159,798	596,072	-253,816	-282,666	-341,389	-1,261,114	-663,966	-432,595	-19,232	-414,982	-320,541	123,615	-251,212	49,418	-708,616	-65,105	566,243	50,424
Cashflow From Financing	2324.5%	282,202	-12,686	291,399	-167,799	-694,044	144,757	288,308	-528,886	355,038	166,847	484,383	47,544	858,714	75,579	363,144	973,095	248,194	-173,912	165,249	-255,086	211,497
Dividend Payments	-100.0%	-	24,054	23,606	23,734	23,708	23,706	23,228	23,218	23,235	23,228	22,661	22,609	22,553	22,538	21,984	21,341	21,268	21,227	19,633	19,575	19,806
Buy Backs	685.5%	34,517	4,394	5,160	9,713	10,966	59.00	57.00	12,906	3,592	4,917	61.00	60.00	68.00	67.00	65.00	65.00	74.00	73.00	68.00	66.00	79.00

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CBU Income Statement

2024-03-31

CONSOLIDATED STATEMENTS OF INCOME (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Interest income:
Interest and fees on loans	$ 127,498	$ 100,362
Interest and dividends on taxable investments	21,902	21,938
Interest and dividends on nontaxable investments	3,259	3,582
Total interest income	152,659	125,882
Interest expense:
Interest on deposits	36,785	9,928
Interest on borrowings	8,884	4,924
Total interest expense	45,669	14,852
Net interest income	106,990	111,030
Provision for credit losses	6,148	3,500
Net interest income after provision for credit losses	100,842	107,530
Noninterest revenues:
Deposit service fees	14,251	12,896
Mortgage banking	345	275
Other banking services	3,656	3,260
Employee benefit services	31,698	29,384
Insurance services	11,109	11,522
Wealth management services	9,210	8,245
Loss on sales of investment securities	0	(52,329)
Gain on debt extinguishment	0	242
Unrealized gain on equity securities	16	0
Total noninterest revenues	70,285	13,495
Noninterest expenses:
Salaries and employee benefits	73,063	71,487
Data processing and communications	14,348	13,129
Occupancy and equipment	11,362	11,024
Amortization of intangible assets	3,576	3,667
Legal and professional fees	4,341	5,201
Business development and marketing	3,045	2,901
Litigation accrual	119	0
Acquisition expenses	35	57
Other expenses	8,195	6,586
Total noninterest expenses	118,084	114,052
Income before income taxes	53,043	6,973
Income taxes	12,171	1,175
Net income	$ 40,872	$ 5,798
Basic earnings per share(in dollar per share)	$ 0.77	$ 0.11
Diluted earnings per share(in dollar per share)	$ 0.76	$ 0.11

About Community Bank System Inc

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 interest and noninterest -bearing 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 check credit 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 services; and employee benefit services, as well as operates as a full-service insurance agency that provides personal and commercial lines of insurance, and other risk management products and services. Further, it offers contribution plan administration, employee benefit trust, collective investment fund, retirement plan administration and benefit consulting, fund administration, transfer agency, actuarial and benefit consulting, VEBA/HRA, and health and welfare consulting services; and act as an investor in residential and commercial real estate activities. 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 insurance and advisory products, as well as master recordkeeping services. Community Bank System, Inc. was founded in 1866 and is headquartered in DeWitt, New York.

CEO	Mr. Mark E. Tryniski
WEBSITE	https://cbna.com
INDUSTRY	Banks Diversified
EMPLOYEES	2839

Community Bank System Inc Frequently Asked Questions

What is the ticker symbol for Community Bank System Inc? What does CBU stand for in stocks?

CBU is the stock ticker symbol of Community Bank System Inc. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Community Bank System Inc (CBU)?

As of Fri May 17 2024, market cap of Community Bank System Inc is 2.56 Billion. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of CBU stock?

You can check CBU's fair value in chart for subscribers.

What is the fair value of CBU stock?

You can check CBU's fair value in chart for subscribers. The fair value of Community Bank System Inc is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Community Bank System Inc is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for CBU so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Community Bank System Inc a good stock to buy?

The fair value guage provides a quick view whether CBU is over valued or under valued. Whether Community Bank System Inc is cheap or expensive depends on the assumptions which impact Community Bank System Inc's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for CBU.

What is Community Bank System Inc's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri May 17 2024, CBU's PE ratio (Price to Earnings) is 15.35 and Price to Sales (PS) ratio is 4.51. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. CBU PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on Community Bank System Inc's stock?

In the past 10 years, Community Bank System Inc has provided 0.055 (multiply by 100 for percentage) rate of return.