Community Bank System Inc
NYSE:CBU
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Intrinsic Value
The intrinsic value of one CBU stock under the Base Case scenario is 65.68 USD. Compared to the current market price of 70.86 USD, Community Bank System Inc is Overvalued by 7%.
The Intrinsic Value is calculated as the average of DCF and Relative values:
Valuation Backtest
Community Bank System Inc
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Fundamental Analysis
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Balance Sheet Decomposition
Community Bank System Inc
Net Loans | 10.2B |
Investments | 4.4B |
PP&E | 178.4m |
Intangibles | 900.6m |
Other Assets | 758.8m |
Total Deposits | 13.5B |
Short Term Debt | 317.4m |
Other Liabilities | 826.1m |
In the third quarter, the company reported earnings per share of $0.83, reflecting a year-over-year increase driven by net interest income growth and a decrease in diluted shares. Total operating revenues reached $189.1 million, up 7.8% year-over-year. Net interest income rose 3% to $112.7 million, supported by increased loan growth, while ending loans grew 2.3% to $10.3 billion. The company anticipates continued positive trends in net interest income heading into Q4, projecting a 5-7 basis point increase in net interest margin. Noninterest expenses were up 6.6%, primarily due to rising salaries and employee benefits.
What is Earnings Call?
Wall St
Price Targets
CBU Price Targets Summary
Community Bank System Inc
According to Wall Street analysts, the average 1-year price target for CBU is 68.54 USD with a low forecast of 63.63 USD and a high forecast of 80.85 USD.
Dividends
Current shareholder yield for CBU is .
Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?
Ownership
CBU Insider Trading
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Description
Community Bank System, Inc. is a holding company, which engages in the provision of retail, business, and municipal banking services. The company is headquartered in De Witt, New York and currently employs 2,728 full-time employees. The firm owns two subsidiaries: Community Bank, N.A. (the Bank or CBNA), and Benefit Plans Administrative Services, Inc. (BPAS). The Company’s segments include Banking, Employee Benefit Services, and All Other. The Banking segment provides lending and depository-related products and services to individuals, businesses, and municipal enterprises. In addition, it provides treasury management solutions and payment processing services. Employee Benefit Services, consisting of BPAS and its subsidiaries, provides retirement plans, health and fiduciary services, actuarial & pension services, and healthcare consulting services. welfare plans, fund administration, institutional trust services, collective investment funds. The All Other segment is comprised of wealth management and insurance services. The company operates more than 215 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont, and Western Massachusetts.
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The intrinsic value of one CBU stock under the Base Case scenario is 65.68 USD.
Compared to the current market price of 70.86 USD, Community Bank System Inc is Overvalued by 7%.