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Community Bank System Inc CBU

Morningstar Rating
$44.69 −0.66 (1.46%)
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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 18% discount.
Price
$44.48
Fair Value
$73.87
Uncertainty
Very High
1-Star Price
$36.72
5-Star Price
$11.96
Economic Moat
Fnfgp
Capital Allocation
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News

Trading Information

Previous Close Price
$45.35
Day Range
$44.0245.37
52-Week Range
$35.3855.64
Bid/Ask
$17.88 / $52.00
Market Cap
$2.36 Bil
Volume/Avg
1 / 274,658

Key Statistics

Price/Earnings (Normalized)
12.73
Price/Sales
3.39
Dividend Yield (Trailing)
4.01%
Dividend Yield (Forward)
4.03%
Total Yield
5.24%

Company Profile

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. The majority of the company's net revenue is net interest income.
Sector
Financial Services
Industry
Banks - Regional
Stock Style Box
Small Value
Total Number of Employees
2,849

Comparables

Valuation

Metric
CBU
HONE
NFBK
Price/Earnings (Normalized)
12.7316.659.45
Price/Book Value
1.430.760.51
Price/Sales
3.392.642.60
Price/Cash Flow
10.5611.726.65
Price/Earnings
CBU
HONE
NFBK

Financial Strength

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

Profitability

Metric
CBU
HONE
NFBK
Return on Assets (Normalized)
1.23%0.48%0.73%
Return on Equity (Normalized)
11.83%4.31%5.76%
Return on Invested Capital (Normalized)
Return on Assets
CBU
HONE
NFBK
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Banks - Regional Industry Comparables

Ticker
Name
Morningstar Rating for Stocks
Capital Allocation
Economic Moat
Market Cap
BNPQY
BNP Paribas ADRCsndfgvsLqpjs$82.2 Bil
ISNPY
Intesa Sanpaolo ADRSxvrgmystVzbcq$68.4 Bil
USB
U.S. BancorpLsnmpshjrzMmrkc$63.9 Bil
PNC
PNC Financial Services Group IncQdjxxyxjfTqfkys$62.2 Bil
ITUB
Itau Unibanco Holding SA ADRRxdbjwhyCcdqk$56.4 Bil
TFC
Truist Financial CorpLpyvtmmmPtpwrm$50.8 Bil
MFG
Mizuho Financial Group Inc ADRMgzpgqlPqyh$48.9 Bil
LYG
Lloyds Banking Group PLC ADRVpbhkcbyqLwzspkd$40.8 Bil
DB
Deutsche Bank AGLgrBfmj$35.5 Bil
NWG
NatWest Group PLC ADRMtybTfc$31.5 Bil

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