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

45.33USD+0.76 (+1.71%)Market Closed

Market Summary

USD45.33+0.76

Market Closed

1.71%

CBU Stock Price

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CBU RSI Chart

CBU Valuation

Market Cap

2.4B

Price/Earnings (Trailing)

18.02

Price/Sales (Trailing)

4.39

EV/EBITDA

3.53

Price/Free Cashflow

11.33

CBU Price/Sales (Trailing)

CBU Profitability

EBT Margin

31.07%

Return on Equity

7.77%

Return on Assets

0.85%

Free Cashflow Yield

8.83%

CBU Fundamentals

CBU Revenue

Revenue (TTM)

541.4M

Rev. Growth (Yr)

18.02%

Rev. Growth (Qtr)

6.38%

CBU Earnings

Earnings (TTM)

131.9M

Earnings Growth (Yr)

-35.83%

Earnings Growth (Qtr)

-23.62%

Breaking Down CBU Revenue

Last 7 days

7.0%

Last 30 days

-1.8%

Last 90 days

-7.7%

Trailing 12 Months

-5.5%

How does CBU drawdown profile look like?

CBU Financial Health

CBU Investor Care

Dividend Yield

3.99%

Dividend/Share (TTM)

1.78

Buy Backs (1Y)

0.83%

Diluted EPS (TTM)

2.45

Historical Charts for Stock Metrics

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

Net sales

Year	Q1	Q2	Q3	Q4
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

GRUFITY'S FAIR VALUE MODEL

Stocks Marked 'Very Cheap' by Grufity's Fair Value Model Have Outperformed Russell 2000 Index

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>

Returns of $10,000 invested in:

Very Cheap Stocks: $21,859
Russell 2000 Index: $10,334
Very Expensive Stocks: $8,224

Russell 2000 stocks considered 'Very Cheap' by the model greatly outperformed Russell 2000 index and the 'Very Expensive' bucket over past three years.

Russell 2000 Index

Very Expensive Stocks

Very Cheap Stocks

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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 12, 2024	steele sally a	acquired	-	-	1,464	-
Mar 19, 2024	karaivanov dimitar	acquired	-	-	5,332	president & ceo
Mar 19, 2024	levy jeffrey m	acquired	-	-	1,650	svp & chief banking officer
Mar 19, 2024	gillan-myer maureen a	acquired	-	-	1,391	evp, chief human resources off
Mar 19, 2024	sutaris joseph e	acquired	-	-	1,933	evp & chief financial officer
Mar 19, 2024	abdo michael n	acquired	-	-	1,325	evp and general counsel
Mar 15, 2024	parente john	acquired	52,328	43.65	1,198	-
Mar 15, 2024	stickels eric	acquired	18,847	43.65	431	-
Mar 14, 2024	knauss jeffery j	acquired	54,834	45.74	1,198	-
Mar 11, 2024	fesette neil e.	sold (taxes)	-124,102	42.72	-2,905	-

Which funds bought or sold CBU recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
Apr 23, 2024	HAMEL ASSOCIATES, INC.	reduced	-80.61	-2,107,730	458,687	0.15%
Apr 23, 2024	Louisiana State Employees Retirement System	reduced	-1.12	-123,345	1,267,990	0.03%
Apr 23, 2024	AMALGAMATED BANK	reduced	-15.06	-226,000	812,000	0.01%
Apr 23, 2024	MELFA WEALTH MANAGEMENT, INC.	unchanged	-	-19,686	231,745	0.17%
Apr 23, 2024	FIFTH THIRD BANCORP	added	41.75	3,290	14,025	-%
Apr 23, 2024	Global Retirement Partners, LLC	unchanged	-	-	52.00	-%
Apr 23, 2024	Cornell Pochily Investment Advisors, Inc.	unchanged	-	-27,882	328,237	0.13%
Apr 22, 2024	Hanson & Doremus Investment Management	reduced	-11.78	-69,000	300,000	0.05%
Apr 22, 2024	MetLife Investment Management, LLC	unchanged	-	278,794	1,467,470	0.01%
Apr 22, 2024	Oakworth Capital, Inc.	unchanged	-	-342	4,035	-%

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

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
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
Mar 21, 2024	4	Insider Trading
Mar 21, 2024	4	Insider Trading
Mar 21, 2024	4	Insider Trading
Mar 21, 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	556.1B	171.1B	-2.31%	36.49%	11.22	3.25	60.72%	31.52%
BAC	301.8B	130.3B	3.56%	28.93%	11.38	2.32	79.51%	-3.68%
WFC	216.8B	85.7B	6.72%	47.09%	11.33	2.53	41.49%	39.96%
C	119.4B	133.3B	3.01%	27.78%	12.94	0.9	79.09%	-
CFG	16.3B	10.2B	-0.51%	22.27%	10.13	1.6	44.53%	-22.43%
KEY	13.9B	7.9B	-2.00%	32.35%	14.42	1.76	46.47%	-49.56%
MID-CAP
CMA	7.0B	4.2B	1.92%	23.45%	7.96	1.68	56.25%	-23.46%
ZION	6.2B	3.9B	2.71%	47.68%	9.1	1.57	45.91%	-25.03%
ABCB	3.3B	1.3B	1.85%	41.72%	12.28	2.58	43.24%	-22.35%
ASB	3.2B	2.0B	3.40%	20.85%	17.57	1.64	70.97%	-50.03%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
ALRS	414.1M	164.9M	-1.69%	36.50%	35.41	2.51	42.66%	-70.76%
AROW	383.2M	162.6M	-4.81%	4.19%	12.74	2.36	25.39%	-38.37%
ACNB	291.3M	96.6M	-3.52%	8.70%	9.19	3.01	11.02%	-11.37%
ASRV	45.1M	60.9M	-2.56%	-9.83%	-13.48	0.74	24.06%	-144.92%

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	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Revenue	6.4%	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	92.00
EBITDA Margin	-8.1%	1.14*	1.24*	1.32*	1.35*	1.52*	1.55*	1.57*	1.62*	1.63*	1.63*	1.62*	1.56*	-	-	-	-	-	-	-	-	-
Interest Expenses	1.3%	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	87.00
Income Taxes	-14.9%	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	11.00
Earnings Before Taxes	-21.8%	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	51.00
EBT Margin	-15.9%	0.31*	0.37*	0.40*	0.40*	0.54*	0.55*	0.56*	0.61*	0.62*	0.63*	0.62*	0.57*	-	-	-	-	-	-	-	-	-
Net Income	-23.6%	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	41.00
Net Income Margin	-16.1%	0.24*	0.29*	0.31*	0.31*	0.42*	0.43*	0.44*	0.47*	0.49*	0.50*	0.49*	0.45*	-	-	-	-	-	-	-	-	-
Free Cashflow	-30.9%	40.00	58.00	39.00	73.00	69.00	40.00	44.00	49.00	46.00	60.00	21.00	61.00	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Assets	1.1%	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	10,607
Cash Equivalents	-58.1%	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	212
Net PPE	-0.8%	173	175	158	159	161	162	169	158	161	161	161	161	166	165	167	163	165	170	155	152	120
Goodwill	0%	845	845	844	843	842	845	850	799	799	799	2.00	793	794	794	793	773	774	-	-	-	-
Liabilities	0.2%	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	8,894
Short Term Borrowings	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	54.00
Shareholder's Equity	9.2%	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	1,714
Retained Earnings	0.8%	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	796
Additional Paid-In Capital	0.3%	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	912
Float	-	-	-	2,476	-	-	-	3,353	-	-	-	4,023	-	-	-	3,000	-	-	-	3,341	-	-

Cashflow (Last 12 Months)

(In Thousands)

Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Cashflow From Operations	-31.1%	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	53,630
Share Based Compensation	1.8%	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	1,457
Cashflow From Investing	-140.9%	-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	17,187
Cashflow From Financing	-104.4%	-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	-115,821
Dividend Payments	1.9%	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	19,489
Buy Backs	-14.8%	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	78.00

CBU Income Statement

2023-12-31

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	12 Months Ended
CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Interest income:
Interest and fees on loans	$ 445,167	$ 335,075	$ 308,355
Interest and dividends on taxable investments	82,368	95,371	68,607
Interest and dividends on nontaxable investments	13,853	13,283	10,458
Total interest income	541,388	443,729	387,420
Interest expense:
Interest on deposits	85,337	15,044	11,631
Interest on borrowings	18,766	8,055	1,377
Total interest expense	104,103	23,099	13,008
Net interest income	437,285	420,630	374,412
Provision for credit losses	11,203	14,773	(8,839)
Net interest income after provision for credit losses	426,082	405,857	383,251
Noninterest revenues:
Deposit service fees	63,062	66,850	59,212
Mortgage banking	595	390	1,772
Other banking services	6,315	4,644	3,674
Employee benefit services	117,961	115,408	114,328
Insurance services	47,094	39,810	33,992
Wealth management services	31,941	31,667	33,240
Loss on sales of investment securities	(52,329)	0	0
Gain on debt extinguishment	242	0	0
Unrealized (loss) gain on equity securities	(47)	(44)	17
Total noninterest revenues	214,834	258,725	246,235
Noninterest expenses:
Salaries and employee benefits	281,803	257,339	241,501
Data processing and communications	57,585	54,099	51,003
Occupancy and equipment	42,550	42,413	41,240
Amortization of intangible assets	14,511	15,214	14,051
Legal and professional fees	15,921	14,018	11,723
Business development and marketing	15,731	13,095	9,319
Litigation accrual	5,800	0	(100)
Acquisition expenses	63	5,021	701
Acquisition-related contingent consideration adjustment	3,280	(300)	200
Restructuring expenses	1,163	0	0
Other expenses	34,278	23,369	18,500
Total noninterest expenses	472,685	424,268	388,138
Income before income taxes	168,231	240,314	241,348
Income taxes	36,307	52,233	51,654
Net income	$ 131,924	$ 188,081	$ 189,694
Basic earnings per share(in dollar per share)	$ 2.45	$ 3.48	$ 3.51
Diluted earnings per share(in dollar per share)	$ 2.45	$ 3.46	$ 3.48

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 Tue Apr 23 2024, market cap of Community Bank System Inc is 2.38 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 Tue Apr 23 2024, CBU's PE ratio (Price to Earnings) is 18.02 and Price to Sales (PS) ratio is 4.39. 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 0.04 (multiply by 100 for percentage) rate of return.