Community Bank System Inc
NYSE:CBU

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Community Bank System Inc
NYSE:CBU
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Price: 70.86 USD 2.83% Market Closed
Market Cap: 3.7B USD
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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:

CBU Intrinsic Value
65.68 USD
Overvaluation 7%
Intrinsic Value
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Community Bank System Inc

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

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Financials
Annual
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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
Earnings Calls

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

Wall Street analysts forecast CBU stock price to drop over the next 12 months.

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.

Lowest
Price Target
63.63 USD
10% Downside
Average
Price Target
68.54 USD
3% Downside
Highest
Price Target
80.85 USD
14% Upside
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Dividends

Dividend Yield
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Dividend Per Share
N/A
Growth 3Y
Growth 5Y
Growth 10Y
Dividend Safety Score
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Safe
0
25
50
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100
Previous Payment
-
Today
Next Payment
-
Today
Nov 24, 2024
Previous Payment
-
Next Payment
-
Ex-Dividend Date
-
Shareholder Yield

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?

Shareholder Yield
Dividend Yield
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Buyback Yield
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Ownership

CBU Insider Trading
Buy and sell transactions by insiders

Cumulative Transactions Amount
Period Sold Bought Net
3 Months
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12 Months
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CBU News

Profile

Community Bank System Inc Logo
Community Bank System Inc

Country

United States of America

Industry

Banking

Market Cap

3.7B USD

Dividend Yield

2.55%

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.

Contact

NEW YORK
De Witt
5790 Widewaters Pkwy
+18007242262.0
ir.communitybanksystem.com

IPO

1985-11-26

Employees

2 728

Officers

President, CEO & Director
Mr. Dimitar A. Karaivanov
Executive VP, CFO & Treasurer
Mr. Joseph E. Sutaris
Executive VP & Chief Human Resources Officer and Administration officer
Ms. Maureen A. Gillan-Myer
Senior VP & Chief Banking Officer
Mr. Jeffrey M. Levy
Senior VP & Chief Accounting Officer
Ms. Deresa F. Durkee
Senior VP, Chief Technology & Operations Officer
Mr. Aaron Friot
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Chief Compliance Officer
Dorothy Quarltere
Executive VP & General Counsel
Mr. Michael N. Abdo
Senior VP & Chief Risk Officer
Mr. Daniel L. Bailey
President & CEO of Wealth Management Division
Mr. Michael T. Cerminaro
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See Also

Discover More
What is the Intrinsic Value of one CBU stock?

The intrinsic value of one CBU stock under the Base Case scenario is 65.68 USD.

Is CBU stock undervalued or overvalued?

Compared to the current market price of 70.86 USD, Community Bank System Inc is Overvalued by 7%.

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