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Community Financial System Inc CBU

Morningstar Rating
$58.65 +0.27 (0.46%)
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About Quantitative Ratings

Morningstar Quantitative Ratings for Stocks are generated using an algorithm that compares companies that are not under analyst coverage to peer companies that do receive analyst-driven ratings. Companies with quantitative ratings are not formally covered by a Morningstar analyst, but are statistically matched to analyst-rated companies, allowing our models to calculate a quantitative moat, fair value, and uncertainty rating.

Price vs Fair Value

CBU is trading at a 483% premium.
Price
$58.55
Fair Value
$62.87
Uncertainty
High
1-Star Price
$28.60
5-Star Price
$77.70
Economic Moat
Pqv
Capital Allocation
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News

Trading Information

Previous Close Price
$58.38
Day Range
$58.1359.78
52-Week Range
$35.3859.78
Bid/Ask
$23.50 / $83.41
Market Cap
$3.10 Bil
Volume/Avg
407,344 / 292,771

Key Statistics

Price/Earnings (Normalized)
17.10
Price/Sales
4.46
Dividend Yield (Trailing)
3.07%
Dividend Yield (Forward)
3.14%
Total Yield
4.76%

Company Profile

Community Financial System Inc Formerly Community Bank System Inc is a financial holding company. The company predominantly operates through two wholly-owned subsidiaries: Community Bank, N.A. and Benefit Plans Administrative Services. Community Bank's business is operating a community bank providing a broad array of banking and financial services. These are offered chiefly to retail, commercial, and municipal customers in non-metropolitan markets, including small towns in upstate New York and Northeastern Pennsylvania. The company has historically relied on acquisitions to fuel growth, in addition to growing organically. A majority of its loan portfolio is tilted toward the consumer market on an installment, line of credit, or residential mortgage loan basis.
Sector
Financial Services
Industry
Banks - Regional
Stock Style Box
Small Value
Total Number of Employees
2,849

Comparables

Valuation

Metric
CBU
NBTB
HONE
Price/Earnings (Normalized)
17.1014.8720.18
Price/Book Value
1.871.480.94
Price/Sales
4.463.893.27
Price/Cash Flow
14.6711.4016.47
Price/Earnings
CBU
NBTB
HONE

Financial Strength

Metric
CBU
NBTB
HONE
Quick Ratio
Current Ratio
Interest Coverage
Quick Ratio
No chart available

Profitability

Metric
CBU
NBTB
HONE
Return on Assets (Normalized)
1.20%1.01%0.52%
Return on Equity (Normalized)
11.35%9.77%4.85%
Return on Invested Capital (Normalized)
Return on Assets
CBU
NBTB
HONE
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Banks - Regional Industry Comparables

1-Day Chart
Name
Price
Morningstar Rating for Stocks
Capital Allocation
Economic Moat
Market Cap
BNP Paribas ADR
BNPQY
DkkfwxxvcJhhfy$77.7 Bil
Intesa Sanpaolo ADR
ISNPY
QxpzjwtxxYjtnm$71.6 Bil
U.S. Bancorp
USB
KjqjyhdpbDjkk$69.8 Bil
PNC Financial Services Group Inc
PNC
PfhyqnjhyRqrxf$69.8 Bil
Truist Financial Corp
TFC
FbgymwrlCvjhsqs$56.7 Bil
Itau Unibanco Holding SA ADR
ITUB
RrvpztcNygd$56.1 Bil
Mizuho Financial Group Inc ADR
MFG
SyflwpsjGqr$55.0 Bil
Lloyds Banking Group PLC ADR
LYG
SlbtkmvvLrzrtfc$47.7 Bil
NatWest Group PLC ADR
NWG
GmdczdwrdKbx$36.0 Bil
Deutsche Bank AG
DB
FlhpFkvzp$32.3 Bil

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