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Upturn AI SWOT - About
CBU 
Community Bank System Inc (CBU)
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Upturn Advisory Summary
04/01/2025: CBU (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -30.38% | Avg. Invested days 25 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.00B USD | Price to earnings Ratio 16.53 | 1Y Target Price 69.83 |
Price to earnings Ratio 16.53 | 1Y Target Price 69.83 | ||
Volume (30-day avg) 239883 | Beta 0.67 | 52 Weeks Range 40.13 - 72.29 | Updated Date 04/2/2025 |
52 Weeks Range 40.13 - 72.29 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 3.24% | Basic EPS (TTM) 3.44 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.22% | Operating Margin (TTM) 36.04% |
Management Effectiveness
Return on Assets (TTM) 1.14% | Return on Equity (TTM) 10.55% |
Valuation
Trailing PE 16.53 | Forward PE 15.77 | Enterprise Value 3581803520 | Price to Sales(TTM) 4.15 |
Enterprise Value 3581803520 | Price to Sales(TTM) 4.15 | ||
Enterprise Value to Revenue 5 | Enterprise Value to EBITDA - | Shares Outstanding 52836600 | Shares Floating 51995964 |
Shares Outstanding 52836600 | Shares Floating 51995964 | ||
Percent Insiders 1.04 | Percent Institutions 74.85 |
Analyst Ratings
Rating 3.67 | Target Price 70.67 | Buy - | Strong Buy 2 |
Buy - | Strong Buy 2 | ||
Hold 4 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Community Bank System Inc
Company Overview
History and Background
Community Bank System Inc. was founded in 1901 as The First National Bank of Canton. Over the years, it has grown through strategic acquisitions and organic expansion, evolving into a multi-state financial services organization.
Core Business Areas
- Community Banking: Offers a range of banking services, including deposit accounts, loans (commercial, residential, and consumer), and other financial products to individuals and businesses.
- Wealth Management: Provides investment management, trust services, retirement planning, and other wealth management solutions to individuals and institutions.
- Employee Benefit Services: Offers actuarial services, third-party administration, and consulting services for employee benefit plans.
Leadership and Structure
The leadership team consists of the CEO, CFO, COO, and other key executives. The organizational structure is hierarchical, with regional presidents and department heads reporting to the executive team. The board of directors provides oversight and strategic guidance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans provided to businesses for working capital, expansion, and other purposes. Estimated revenue contribution unavailable. Competitors include M&T Bank, KeyCorp, and regional banks.
- Residential Mortgages: Mortgages offered to individuals for home purchases. Estimated revenue contribution unavailable. Competitors include Rocket Mortgage, Wells Fargo, and local credit unions.
- Wealth Management Services: Provides investment management, retirement planning and trust services to individuals and institutions. Estimated revenue contribution unavailable. Competitors include Fidelity, Schwab, and local wealth management firms.
Market Dynamics
Industry Overview
The banking industry is undergoing digital transformation and facing increasing competition from fintech companies. Regulatory changes and interest rate fluctuations also impact the sector.
Positioning
Community Bank System Inc. is positioned as a community-focused bank with a strong regional presence. Its competitive advantages include its local market knowledge, customer relationships, and diversified business model.
Total Addressable Market (TAM)
The TAM for banking and financial services in the Northeast US is estimated at $500 Billion. CBSI is positioned to capture market share through its community-focused model and diversified service offerings.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Diversified business model
- Experienced management team
- Solid customer relationships
- Consistent profitability
Weaknesses
- Limited geographic reach compared to national banks
- Vulnerability to regional economic downturns
- Reliance on traditional banking products
- Potential for increased regulatory scrutiny
- Slower pace of tech adoption compared to FinTechs
Opportunities
- Expansion into new markets
- Increased adoption of digital banking technologies
- Growth in wealth management services
- Strategic acquisitions
- Increasing interest rates
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Regulatory changes
- Cybersecurity threats
- Rising interest rates impacting loan demand
Competitors and Market Share
Key Competitors
- M&T Bank (MTB)
- KeyCorp (KEY)
- First Citizens BancShares (FCNCA)
Competitive Landscape
CBSI competes with larger national banks and regional players. Its strengths lie in its community focus and local market expertise, while its weaknesses include limited geographic reach.
Major Acquisitions
Gouverneur Bancorp, Inc.
- Year: 2022
- Acquisition Price (USD millions): 31.6
- Strategic Rationale: Expansion of presence in New York's North Country region.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by acquisitions and organic expansion.
Future Projections: Analyst estimates project moderate growth in revenue and earnings over the next few years.
Recent Initiatives: Recent initiatives include investments in digital banking platforms and expansion into new markets.
Summary
Community Bank System Inc. is a financially stable regional bank with a diversified business model and strong local presence. It faces increasing competition from larger banks and fintech companies and needs to focus on digital transformation and strategic growth. The company's consistent profitability and shareholder returns are positives, but it must adapt to changing market dynamics.
Similar Companies
FCNCA
First Citizens BancShares Inc
FCNCA
First Citizens BancShares Inc
KEY
KeyCorp
KEY
KeyCorp
MTB
M&T Bank Corporation
MTB
M&T Bank Corporation
Sources and Disclaimers
Data Sources:
- Company SEC filings
- Analyst reports
- Industry publications
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market data can change rapidly, and past performance is not indicative of future results.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Community Bank System Inc
Exchange NYSE | Headquaters Dewitt, NY, United States | ||
IPO Launch date 1985-11-27 | President, CEO & Director Mr. Dimitar A. Karaivanov | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 2730 | |
Full time employees 2730 | |||
Community Financial System, Inc. operates as the bank holding company for Community Bank, N.A. that provides various banking and other financial services to retail, commercial, institutional, and municipal customers. It operates through three segments: Banking, Employee Benefit Services, and All Other. The company offers various deposits products, such as interest and noninterest -bearing checking, savings, and money market deposit accounts, as well as time deposits. It also provides loans, including consumer mortgages; general purpose commercial and industrial loans, and mortgages on commercial properties; paycheck protection program loans; installment loans that are originated through selected dealerships and are secured by automobiles, marine, and other recreational vehicles; personal installment loans and check credit lines of credit for consumers; and home equity products. In addition, the company offers broker-dealer and investment advisory; cash management, investment, and treasury services; asset management services; and employee benefit services, as well as operates as a full-service insurance agency that provides personal and commercial lines of insurance, and other risk management products and services. Further, it offers contribution plan administration, employee benefit trust, collective investment fund, retirement plan administration and benefit consulting, fund administration, transfer agency, actuarial and benefit consulting, and health and welfare consulting services; and act as an investor in residential and commercial real estate activities. Additionally, the company offers wealth management, retirement planning, higher educational planning, fiduciary, risk management, trust, and personal financial planning services; and investment alternatives, including stocks, bonds, mutual funds, and insurance and advisory products, as well as master recordkeeping services. Community Financial System, Inc. was founded in 1866 and is headquartered in Dewitt, New York.
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