Stock Scorecard
Stock Summary for Community Bank System Inc (CBU) - $56.59 as of 10/23/2025 9:13:37 PM EST
Total Score
14 out of 30
Safety Score
56 out of 100
Currently on the following lists
None
Tim's Recommendation
Possible Buy
Growth List Algorithm Criteria for CBU
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for CBU
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for CBU
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for CBU
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for CBU (56 out of 100)
| Stock Price Rating (Max of 10) | 9 |
| Historical Stock Price Rating (Max of 10) | 9 |
| Stock Price Trend (Max of 10) | 2 |
| Book Value (Max of 10) | 8 |
| Book Value to Price (Max of 10) | 0 |
| Analyst Buy Ratings (Max of 5) | 3 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 6 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 4 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for CBU
Financial Details for CBU
Company Overview |
|
|---|---|
| Ticker | CBU |
| Company Name | Community Bank System Inc |
| Country | USA |
| Description | Community Bank System, Inc. (CBU) is a prominent banking holding company based in Onondaga, New York, operating through its flagship subsidiary, Community Bank, NA. The firm offers a comprehensive suite of financial services tailored to meet the diverse needs of retail, commercial, and municipal clients across its expansive regional footprint. With a focus on community engagement and customer service, CBU strategically positions itself to enhance its market presence while delivering strong financial performance and shareholder value. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 6/30/2025 |
| Next Earnings Date | 1/20/2026 |
Stock Price History |
|
| Last Day Price | 56.59 |
| Price 4 Years Ago | 65.90 |
| Last Day Price Updated | 10/23/2025 9:13:37 PM EST |
| Last Day Volume | 156,081 |
| Average Daily Volume | 266,744 |
| 52-Week High | 71.14 |
| 52-Week Low | 48.66 |
| Last Price to 52 Week Low | 16.30% |
Valuation Measures |
|
| Trailing PE | 14.52 |
| Industry PE | 17.20 |
| Sector PE | 24.14 |
| 5-Year Average PE | 17.34 |
| Free Cash Flow Ratio | 12.95 |
| Industry Free Cash Flow Ratio | 6.15 |
| Sector Free Cash Flow Ratio | 42.26 |
| Current Ratio Most Recent Quarter | 0.20 |
| Total Cash Per Share | 4.37 |
| Book Value Per Share Most Recent Quarter | 36.82 |
| Price to Book Ratio | 1.63 |
| Industry Price to Book Ratio | 1.11 |
| Sector Price to Book Ratio | 2.28 |
| Price to Sales Ratio Twelve Trailing Months | 3.84 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.02 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.86 |
| Analyst Buy Ratings | 2 |
| Analyst Strong Buy Ratings | 0 |
Share Statistics |
|
| Total Shares Outstanding | 52,857,000 |
| Market Capitalization | 2,991,177,630 |
| Institutional Ownership | 75.70% |
Dividends |
|
| Ex-Dividend Date | 12/12/2025 |
| Previous Dividend Amount | 0.4700 |
| Current Dividend Amount | 0.4700 |
| Total Years Dividend Increasing |
|
| Trailing Annual Dividend Rate | 1.85 |
| Trailing Annual Dividend Yield | 3.33% |
| Forward Annual Dividend Rate | 1.88 |
| Forward Annual Dividend Yield | 3.38% |
| 5-Year Dividend Payments Count | 21 |
| 3-Year Average Dividend Yield | 3.32% |
| 5-Year Average Dividend Yield | 3.07% |
| 1-Year Dividend Growth Rate Percentage | 2.20% |
| 3-Year Dividend Growth Rate Percentage | 2.22% |
| 5-Year Dividend Growth Rate Percentage | 2.27% |
| All-Time Dividend Growth Rate Percentage | 6.08% |
| Dividend Payout Ratio | 50.41% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 25.30% |
| Annual Earnings Growth | 38.32% |
| Reported EPS 12 Trailing Months | 3.88 |
| Reported EPS Past Year | 2.99 |
| Reported EPS Prior Year | 3.43 |
| Net Income Twelve Trailing Months | 194,639,000 |
| Net Income Past Year | 182,481,000 |
| Net Income Prior Year | 131,924,000 |
| Quarterly Revenue Growth YOY | 11.20% |
| 5-Year Revenue Growth | 8.82% |
| Operating Margin Twelve Trailing Months | 37.90% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 231,178,000 |
| Total Cash Past Year | 191,894,000 |
| Total Cash Prior Year | 190,962,000 |
| Net Cash Position Most Recent Quarter | -352,261,000 |
| Net Cash Position Past Year | -427,418,000 |
| Long Term Debt Past Year | 619,312,000 |
| Long Term Debt Prior Year | 407,603,000 |
| Total Debt Most Recent Quarter | 583,439,000 |
| Equity to Debt Ratio Past Year | 0.74 |
| Equity to Debt Ratio Most Recent Quarter | 0.76 |
| Total Stockholder Equity Past Year | 1,762,835,000 |
| Total Stockholder Equity Prior Year | 1,697,937,000 |
| Total Stockholder Equity Most Recent Quarter | 1,883,091,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 198,801,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 3.76 |
| Free Cash Flow Past Year | 221,573,000 |
| Free Cash Flow Prior Year | 209,835,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | Options Chain |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | -0.68 |
| MACD Signal | -0.50 |
| 20-Day Bollinger Lower Band | 51.83 |
| 20-Day Bollinger Middle Band | 56.96 |
| 20-Day Bollinger Upper Band | 62.09 |
| Beta | 0.77 |
| RSI | 42.71 |
| 50-Day SMA | 58.76 |
| 150-Day SMA | 51.37 |
| 200-Day SMA | 53.55 |
System |
|
| Modified | 10/23/2025 7:50:09 PM EST |