Community Bank System, Inc.

  • Market Cap: Small Cap
  • Industry: Major Banks
  • ISIN: US2036071064
USD
58.55
-0.01 (-0.02%)
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

52 Week

Valuation
Technical
Day's Volume

CASH

178.96 k

Shareholding (Mar 2025)

FII

7.39%

Held by 100 FIIs

DII

52.74%

Held by 46 DIIs

Promoter

0.00%

How big is Community Bank System, Inc.?

22-Jun-2025

As of Jun 18, Community Bank System, Inc. has a market capitalization of $2.86 billion and total assets of $16.47 billion, with shareholder's funds at $1.76 billion.

Market Cap: As of Jun 18, Community Bank System, Inc. has a market capitalization of 2,858.68 million, classifying it as a Small Cap company.<BR><BR>Recent Quarterly Performance: For the latest four quarters, the sum of interest earned is 658.52 million, while the sum of net profit is 190.46 million.<BR><BR>Balance Sheet Snapshot: As of Dec'24, the shareholder's funds amount to 1,762.84 million, and total assets are reported at 16,474.66 million.

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What does Community Bank System, Inc. do?

22-Jun-2025

Community Bank System, Inc. is a small-cap bank holding company with a market cap of approximately $2.86 billion, reporting net sales of $168 million and a net profit of $49 million for Q1 2025. Key metrics include a P/E ratio of 16.00, a dividend yield of 3.45%, and a return on equity of 10.40%.

Overview:<BR>Community Bank System, Inc. is a bank holding company operating in the Major Banks industry, with a market cap in the small-cap bracket.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 168 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 49 Million (Quarterly Results - Mar 2025) <BR>Market cap: USD 2,858.68 Million (Small Cap)<BR><BR>Key Metrics:<BR>P/E: 16.00 <BR>Dividend Yield: 3.45% <BR>Debt Equity: 0.00 <BR>Return on Equity: 10.40% <BR>Price to Book: 1.56<BR><BR>Contact Details:<BR>Address: 5790 WIDEWATERS PKWY, DE WITT NY: 13214-1884 <BR>Tel: 1 800 7242262 <BR>Website: http://ir.communitybanksystem.com/

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Who are in the management team of Community Bank System, Inc.?

22-Jun-2025

As of March 2022, the management team of Community Bank System, Inc. includes Independent Chairman Ms. Sally Steele, President and CEO Mr. Mark Tryniski, Lead Independent Director Mr. John Whipple, and Independent Directors Mr. Brian Ace, Mr. Mark Bolus, Mr. Jeffrey Davis, and Mr. Neil Fesette. They are responsible for the company's strategic direction and operations.

As of March 2022, the management team of Community Bank System, Inc. includes the following individuals:<BR><BR>- Ms. Sally Steele, who serves as the Independent Chairman of the Board.<BR>- Mr. Mark Tryniski, who is the President, Chief Executive Officer, and Director.<BR>- Mr. John Whipple, who holds the position of Lead Independent Director.<BR>- Mr. Brian Ace, Mr. Mark Bolus, Mr. Jeffrey Davis, and Mr. Neil Fesette, all of whom are Independent Directors.<BR><BR>This team is responsible for guiding the company's strategic direction and overseeing its operations.

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Is Community Bank System, Inc. overvalued or undervalued?

20-Sep-2025

As of July 22, 2025, Community Bank System, Inc. is fairly valued with a P/E ratio of 16, competitive Price to Book Value of 1.64, and reasonable growth expectations, despite lagging behind the S&P 500 in recent performance.

As of 22 July 2025, the valuation grade for Community Bank System, Inc. moved from expensive to fair, indicating a more favorable assessment of its value. The company appears to be fairly valued based on its P/E ratio of 16, which aligns closely with the peer average of 16.45, and a PEG ratio of 1.44, suggesting reasonable growth expectations relative to its earnings. Additionally, the Price to Book Value stands at 1.64, which is competitive within the industry.<BR><BR>In comparison to its peers, UMB Financial Corp. has a higher P/E of 19.64, while Zions Bancorporation, NA shows a lower P/E of 10.08, highlighting a range of valuations within the sector. Notably, Community Bank System's recent stock performance has lagged behind the S&P 500, with a year-to-date return of 0.60% compared to the index's 12.22%, and a five-year return of 7.35% versus 96.61% for the S&P 500, reinforcing the notion that the stock may be undervalued relative to its growth potential.

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Is Community Bank System, Inc. technically bullish or bearish?

05-Nov-2025

As of October 31, 2025, Community Bank System, Inc. shows a mildly bullish trend, but caution is advised due to mixed signals from technical indicators and significant underperformance compared to the S&P 500.

As of 31 October 2025, the technical trend for Community Bank System, Inc. has changed from sideways to mildly bullish. However, the overall stance remains mixed due to bearish signals in the MACD, Bollinger Bands, KST, and Dow Theory on both weekly and monthly time frames. The daily moving averages indicate a mildly bullish trend, but this is countered by the lack of signals in the RSI and OBV. <BR><BR>In terms of performance, the stock has underperformed significantly against the S&P 500 across multiple periods, with a year-to-date return of -9.71% compared to the S&P 500's 16.30%, and a 3-year return of -9.90% versus 76.66% for the index. Overall, the current technical stance is mildly bullish but with considerable caution due to the bearish indicators present.

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iScoreScore
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Strong Sell
Sell
Hold
Buy
Strong Buy

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Dashboard
1

High Profitability with a Net Interest Margin of 5.11%

 
2

The Bank has a high Capital Adequacy Ratio of 31.21% signifying high buffers against its risk based assets

 
3

Positive results in Jun 25

4

With ROA of 0.93%, it has a expensive valuation with a 1.64 Price to Book Value

5

Below par performance in long term as well as near term

stock-summaryMojo Parameters
Mojo Parameters
Stock DNA
stock-summary
Industry

Major Banks

stock-summary
Market cap

USD 3,192 Million (Small Cap)

stock-summary
P/E

16.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

3.09%

stock-summary
Debt Equity

0.00

stock-summary
Return on Equity

10.30%

stock-summary
Price to Book

1.70

Revenue and Profits:
Net Sales:
173 Million
(Quarterly Results - Jun 2025)
Net Profit:
51 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
-3.73%
0%
-3.73%
6 Months
4.78%
0%
4.78%
1 Year
-15.55%
0%
-15.55%
2 Years
22.23%
0%
22.23%
3 Years
-10.2%
0%
-10.2%
4 Years
-18.27%
0%
-18.27%
5 Years
-9.63%
0%
-9.63%

Community Bank System, Inc. for the last several years.

Risk Adjusted Returns v/s stock-summary
stock-summaryNews & Corporate Actions
News
Announcements stock-summary
Icon
No announcement available
Corporate Actions stock-summary
Icon
No corporate action available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Sales Growth (5y)
11.41%
EBIT Growth (5y)
4.00%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
52.96%
Pledged Shares
0
Institutional Holding
78.72%
ROCE (avg)
0
ROE (avg)
0
Valuation key factors
Factor
Value
P/E Ratio
16
Industry P/E
Price to Book Value
1.64
EV to EBIT
14.85
EV to EBITDA
13.16
EV to Capital Employed
1.56
EV to Sales
4.96
PEG Ratio
1.44
Dividend Yield
3.26%
ROCE (Latest)
10.47%
ROE (Latest)
10.40%
Technicals key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
No Trend
Mildly Bearish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Mar 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Domestic Funds

Domestic Funds

Held in 60 Schemes (39.77%)

Foreign Institutions

Held by 100 Foreign Institutions (7.39%)

Strategic Entities with highest holding

Highest Public shareholder

stock-summaryFinancial
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stock-summaryCompany CV
About Community Bank System, Inc. stock-summary
stock-summary
Community Bank System, Inc.
Major Banks
Community Bank System, Inc. is a bank holding company. The Company owns two subsidiaries: Community Bank, N.A. (CBNA or the Bank) and Benefit Plans Administrative Services, Inc. (BPAS). It operates in three segments: banking, employee benefit services, and All Other. The Banking segment provides lending and depository-related products and services to individuals, businesses and municipal enterprises. The Employee benefit services segment, consisting of BPAS and its subsidiaries, provides employee benefit trust services; collective investment fund; actuarial services, and healthcare consulting services. The All Other segment consists of wealth management services, including trust services provided by the personal trust unit within the Bank, broker-dealer and investment advisory services provided by Community Investment Services, Inc. (CISI), Oneida Wealth Management, Inc. (OWM) and The Carta Group, Inc, and asset management provided by Nottingham Advisors, Inc.
Company Coordinates stock-summary
Company Details
5790 WIDEWATERS PKWY , DE WITT NY : 13214-1884
Registrar Details