Business Description
Community Bank System Inc
NAICS : 522110
SIC : 6021
ISIN : US2036071064
Share Class Description:
CBU: Ordinary SharesDescription
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.
Financial Strength
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | 0.86 | |||||
| Equity-to-Asset | 0.1 | |||||
| Debt-to-Equity | 0.24 | |||||
| Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
| Interest Coverage | N/A |
N/A
|
N/A
| |||
| Piotroski F-Score | 5/9 | |||||
| Beneish M-Score | -2.33 | |||||
| WACC vs ROIC | ||||||
Growth Rank
1/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | 2.8 | |||||
| 3-Year EPS without NRI Growth Rate | 1.4 | |||||
| 3-Year FCF Growth Rate | 8.1 | |||||
| 3-Year Book Growth Rate | -6.7 |
Momentum Rank
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 57.3 | |||||
| 9-Day RSI | 52.55 | |||||
| 14-Day RSI | 50.04 | |||||
| 6-1 Month Momentum % | 16.9 | |||||
| 12-1 Month Momentum % | -1.83 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Dividend Yield % | 4.01 | |||||
| Dividend Payout Ratio | 0.52 | |||||
| 3-Year Dividend Growth Rate | 2.4 | |||||
| Forward Dividend Yield % | 4.03 | |||||
| 5-Year Yield-on-Cost % | 4.88 | |||||
| 3-Year Average Share Buyback Ratio | 0.2 | |||||
| Shareholder Yield % | 4.43 |
Profitability Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Net Margin % | 23.69 | |||||
| FCF Margin % | 29.77 | |||||
| ROE % | 10.23 | |||||
| ROA % | 1.08 | |||||
| Years of Profitability over Past 10-Year | 10 |
GF Value Rank
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 14.04 | |||||
| Forward PE Ratio | 13.74 | |||||
| PE Ratio without NRI | 13.01 | |||||
| Shiller PE Ratio | 13.17 | |||||
| Price-to-Owner-Earnings | 15.83 | |||||
| PS Ratio | 3.42 | |||||
| PB Ratio | 1.42 | |||||
| Price-to-Tangible-Book | 3.13 | |||||
| Price-to-Free-Cash-Flow | 11.42 | |||||
| Price-to-Operating-Cash-Flow | 10.55 | |||||
| EV-to-Revenue | 3.42 | |||||
| EV-to-Forward-Revenue | 5.36 | |||||
| EV-to-FCF | 11.51 | |||||
| Price-to-Projected-FCF | 0.74 | |||||
| Price-to-Median-PS-Value | 0.69 | |||||
| Price-to-Graham-Number | 1.35 | |||||
| FCF Yield % | 8.91 | |||||
| Forward Rate of Return (Yacktman) % | 3.75 |
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