Community Bank System, Inc.
Community Bank System, Inc.
Your view on CBU
Overview
What the company does, where it operates, and who runs it.
About Community Bank System, Inc.
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- Dimitar A. Karaivanov
- Headquarters
- 333 Butternut Drive, Syracuse, NY, US
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- Dimitar A. Karaivanov
- Headquarters
- 333 Butternut Drive, Syracuse, NY, US
Community Bank System, Inc. (CBU) serves as the parent company for Community Bank, N.A., providing a broad array of banking and financial services to a diverse clientele including individual consumers, businesses, and local government entities.
Its operations are structured into three primary divisions: Banking, Employee Benefit Services, and a residual "All Other" category. The company offers a comprehensive suite of deposit products, such as checking, savings, and money market accounts, alongside certificates of deposit.
Its lending portfolio is equally varied, extending to consumer mortgages, personal installment loans, and lines of credit for individuals, as well as home equity products.
For commercial clients, Community Bank System provides general purpose commercial and industrial loans, mortgages on commercial properties, and historically, Paycheck Protection Program loans.
Additionally, it facilitates specialized installment loans for vehicles like automobiles, boats, and other recreational vehicles through partnerships with selected dealerships.
Beyond traditional banking, the institution delivers broker-dealer and investment advisory services, along with extensive cash management, treasury, and asset management solutions. It also operates a full-service insurance agency, offering personal and commercial lines of insurance and various risk management products.
The Employee Benefit Services segment provides a robust offering, including administration for contribution plans, employee benefit trusts, and collective investment funds.
This segment also handles retirement plan administration, fund administration, transfer agency functions, actuarial and benefit consulting, VEBA/HRA, and health and welfare consulting. Furthermore, Community Bank System provides comprehensive wealth management services, covering retirement, higher education, and personal financial planning.
It offers fiduciary and trust services, risk management advice, and access to diverse investment alternatives such as stocks, bonds, mutual funds, and advisory products, alongside master recordkeeping services.
As of January 24, 2022, the company operated approximately 215 customer facilities geographically spread across Upstate New York, Northeastern Pennsylvania, Vermont, and Western Massachusetts. Community Bank System, Inc. was founded in 1866 and maintains its corporate headquarters in DeWitt, New York.
Stock Data
Price chart, volume, and trading data.
Fair Value
What FRC thinks it is worth vs. the current price.
FRC's fair value estimate for Community Bank System, Inc., and the rating behind it. CBU last traded at $59.22, 13.7× trailing earnings — the estimate is read against that market price. FRC analysts run the firm's valuation model across the companies on this platform to estimate what each one is worth, rather than republishing a consensus average. Shows the current estimate, our rating, and when it was last revised. A free account covers 7 company valuations a month; a paid subscription is unlimited.
Financial Ratios
Profitability, returns, valuation, and leverage ratios.
Valuation, profitability, liquidity and leverage ratios for Community Bank System, Inc.. Starting points for Community Bank System, Inc.: P/E 13.7, EPS $4.31, beta 0.78 — an Banks - Regional name. P/E, P/B, EV/EBITDA, margins, return on equity, current ratio and debt coverage, each shown against the company's own history.
Dividend Analysis
Yield, payout ratio, and dividend coverage metrics.
Dividend history, yield and payout sustainability for Community Bank System, Inc.. Community Bank System, Inc. paid $1.90 per share over the last year — a 3.2% yield at the current $59.22 price. Per-share payments, yield over time, payout ratio and growth streak, with coverage measured against free cash flow.
Earnings Analysis
EPS history, beat rate, and upcoming earnings reports.
Reported vs. expected earnings history for Community Bank System, Inc.. Trailing twelve-month EPS for Community Bank System, Inc. stands at $4.31. EPS surprises by quarter, revenue against estimates, and the upcoming reporting date.
Financial Statements
Income statement, balance sheet, and cash flow statements.
Income statement, balance sheet and cash flow history for Community Bank System, Inc.. Community Bank System, Inc. has reported as a listed company since 1985. Annual and quarterly filings with period-over-period comparison, so you can trace how revenue, margins and cash generation have moved.
Comparables
List of peer companies in the same industry.
Community Bank System, Inc. valued side by side against its closest peers. Community Bank System, Inc. is measured against Banks - Regional peers within the Financial Services sector. Peer-relative multiples and operating metrics, so the valuation is read in the context of its own sector rather than in isolation.
Institutional Ownership
PremiumWhich funds and firms own the stock.
Which institutions hold Community Bank System, Inc., and how their positions are changing. At a $3.11B market value, institutional positions materially move Community Bank System, Inc.'s register. Top holders, position sizes, and quarter-over-quarter accumulation or distribution from regulatory filings. Included with FRC Premium.
Insider Trading
PremiumRecent buying and selling by company executives.
Buying and selling by Community Bank System, Inc. executives and directors. Shares of Community Bank System, Inc. have traded between $53.46 and $71.11 over the past 52 weeks — context for the timing of the transactions below. Insider transactions as disclosed to regulators, with role, size and date — the clearest read on how the people running the company are positioned. Included with FRC Premium.
Senate Trading
PremiumU.S. Senator disclosures filed under the STOCK Act.
U.S. Senate disclosures naming Community Bank System, Inc.. Community Bank System, Inc. is a $3.11B Financial Services company. Senators' reported transactions in this security, alongside the fundamentals — a signal most research platforms leave out entirely. Included with FRC Premium.
House Trading
PremiumU.S. Representative disclosures filed under the STOCK Act.
U.S. House of Representatives disclosures naming Community Bank System, Inc.. Representatives' reported transactions in this security, shown next to the company's fundamentals. Included with FRC Premium.
News
Latest headlines and market coverage.
Latest headlines and company announcements for Community Bank System, Inc.. Coverage tracks Community Bank System, Inc. within Banks - Regional (Financial Services). Press releases and market coverage, newest first.
Comments
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