Community Bank System (CBU) Stock Price, News & Analysis

Company Overview

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, institutional, 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, 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.

Key Stats

• Today's Range: $65.05 to $67.37
• 50-Day Range: $56.50 to $71.50
• 52-Week Range: $41.50 to $73.39
• Volume: 219,674 shs
• Average Volume: 275,813 shs
• Market Capitalization: $3.43 billion
• P/E Ratio: 20.31
• Dividend Yield: 2.82%
• Price Target: $65.25
• Consensus Rating: Moderate Buy

Community Bank System Stock Analysis - MarketRank™

Community Bank System scored higher than 96% of companies evaluated by MarketBeat, and ranked 49th out of 959 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.3 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Community Bank System has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on no buy ratings, 3 hold ratings, and no sell ratings.

Amount of Analyst Coverage

Community Bank System has only been the subject of 3 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 17.70%

Earnings Growth

Earnings for Community Bank System are expected to grow by 17.70% in the coming year, from $3.39 to $3.99 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Community Bank System is 20.31, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 135.54.

Price to Earnings Ratio vs. Sector

The P/E ratio of Community Bank System is 20.31, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 48.86.

Price to Book Value per Share Ratio

Community Bank System has a P/B Ratio of 2.05. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.24% of the float of Community Bank System has been sold short.

Short Interest Ratio / Days to Cover

Community Bank System has a short interest ratio ("days to cover") of 4.7.

Change versus previous month

Short interest in Community Bank System has recently decreased by 7.20%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

Community Bank System pays a meaningful dividend of 2.73%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Community Bank System has been increasing its dividend for 33 years.

Dividend Coverage

The dividend payout ratio of Community Bank System is 57.32%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Community Bank System will have a dividend payout ratio of 46.12% next year. This indicates that Community Bank System will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 3.7 / 5
• Environmental Score: -0.58

Percentage of Shares Shorted

2.24% of the float of Community Bank System has been sold short.

Short Interest Ratio / Days to Cover

Community Bank System has a short interest ratio ("days to cover") of 4.7.

Change versus previous month

Short interest in Community Bank System has recently decreased by 7.20%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 3.1 / 5
• News Sentiment: 1.64

News Sentiment

Community Bank System has a news sentiment score of 1.64. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.77 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 7 news articles for Community Bank System this week, compared to 3 articles on an average week.

Company Ownership

• Score: 3.3 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Community Bank System insiders have sold 1,345.92% more of their company's stock than they have bought. Specifically, they have bought $19,904.00 in company stock and sold $287,795.00 in company stock.

Percentage Held by Insiders

Only 1.89% of the stock of Community Bank System is held by insiders.

Percentage Held by Institutions

73.79% of the stock of Community Bank System is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

CBU Stock Analysis - Frequently Asked Questions

How have CBU shares performed this year?

Community Bank System's stock was trading at $52.11 on January 1st, 2024. Since then, CBU shares have increased by 25.1% and is now trading at $65.20.
View the best growth stocks for 2024 here.

How were Community Bank System's earnings last quarter?

Community Bank System, Inc. (NYSE:CBU) posted its quarterly earnings data on Tuesday, October, 22nd. The bank reported $0.83 earnings per share (EPS) for the quarter, missing the consensus estimate of $0.88 by $0.05. The firm's quarterly revenue was up 7.7% on a year-over-year basis.

Who are Community Bank System's major shareholders?

Top institutional shareholders of Community Bank System include State Street Corp (6.25%), Geode Capital Management LLC (2.30%), Charles Schwab Investment Management Inc. (1.24%) and Segall Bryant & Hamill LLC (0.91%). Insiders that own company stock include Mark J Bolus, Brian R Ace, Sally A Steele, Dimitar Karaivanov, Jeffrey M Levy, John F Whipple, Kerrie D Macpherson, Jeffery J Knauss and George J Getman.
View institutional ownership trends.

How do I buy shares of Community Bank System?

Shares of CBU stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.
Compare Top Brokerages Here.

What other stocks do shareholders of Community Bank System own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Community Bank System investors own include JPMorgan Chase & Co. (JPM), Tesla (TSLA), Advanced Micro Devices (AMD), Meta Platforms (META), NVIDIA (NVDA), Visa (V) and Netflix (NFLX).

Company Calendar

• Ex-Dividend for 10/10 Dividend: 9/13/2024
• Dividend Payable: 10/10/2024
• Last Earnings: 10/22/2024
• Ex-Dividend for 1/10 Dividend: 12/13/2024
• Today: 12/18/2024
• Fiscal Year End: 12/31/2024
• Dividend Payable: 1/10/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: National commercial banks
• Sub-Industry: Regional Banks
• Current Symbol: NYSE:CBU
• CUSIP: 20360710
• CIK: 723188
• Web: www.cbna.com
• Phone: (315) 445-2282
• Fax: 315-445-0904
• Employees: 2,849
• Year Founded: N/A

Price Target and Rating

• Average Stock Price Target: $65.25
• High Stock Price Target: $74.00
• Low Stock Price Target: $50.00
• Potential Upside/Downside: +0.1%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 4 Analysts

Profitability

• EPS (Most Recent Fiscal Year): $3.21
• Trailing P/E Ratio: 20.31
• Forward P/E Ratio: 19.23
• P/E Growth: N/A
• Net Income: $131.92 million
• Net Margins: 18.82%
• Pretax Margin: 23.77%
• Return on Equity: 10.52%
• Return on Assets: 1.12%

Debt

• Debt-to-Equity Ratio: 0.35
• Current Ratio: 0.76
• Quick Ratio: 0.76

Sales & Book Value

• Annual Sales: $726.98 million
• Price / Sales: 4.71
• Cash Flow: $3.84 per share
• Price / Cash Flow: 17.00
• Book Value: $31.81 per share
• Price / Book: 2.05

Miscellaneous

• Outstanding Shares: 52,560,000
• Free Float: 51,567,000
• Market Cap: $3.43 billion
• Optionable: Optionable
• Beta: 0.65