Dashboard
High Profitability with a Net Interest Margin of 5.11%
The Bank has a high Capital Adequacy Ratio of 31.21% signifying high buffers against its risk based assets
Positive results in Jun 25
With ROA of 0.93%, it has a expensive valuation with a 1.64 Price to Book Value
Below par performance in long term as well as near term
Total Returns (Price + Dividend) 
Community Bank System, Inc. for the last several years.
Risk Adjusted Returns v/s 
News
Is Community Bank System, Inc. technically bullish or bearish?
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. 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....
Read MoreIs Community Bank System, Inc. technically bullish or bearish?
As of 31 October 2025, the technical trend for Community Bank System, Inc. has changed from sideways to mildly bullish. The daily moving averages indicate a mildly bullish stance, while the weekly MACD and Bollinger Bands are bearish, suggesting mixed signals. The KST shows bullish momentum on a weekly basis but is mildly bearish monthly, and Dow Theory reflects a mildly bearish weekly trend against a mildly bullish monthly trend. The OBV is mildly bullish for both weekly and monthly periods. In terms of performance, the stock has underperformed the S&P 500 across all multi-period returns, with a year-to-date return of -9.29% compared to the S&P 500's 16.30%. Overall, the current technical stance is mildly bullish, but the mixed indicators suggest caution....
Read MoreIs Community Bank System, Inc. technically bullish or bearish?
As of 31 October 2025, the technical trend for Community Bank System, Inc. has changed from sideways to mildly bullish. However, the overall technical stance remains mixed. The weekly MACD is bearish, while the monthly MACD is mildly bearish. The Bollinger Bands indicate a bearish trend for both weekly and monthly periods. Moving averages show a mildly bullish signal on the daily timeframe, and the KST is bullish weekly but mildly bearish monthly. Dow Theory presents a mildly bearish view weekly and mildly bullish monthly. The On-Balance Volume (OBV) is mildly bullish across both timeframes. In terms of performance, the stock has underperformed the S&P 500 across all multi-period returns, with a year-to-date return of -10.05% compared to the S&P 500's 16.30%. Overall, the technical stance is mildly bullish but with significant bearish indicators, suggesting caution....
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Shareholding Snapshot : Mar 2025
Shareholding Compare (%holding) 
Domestic Funds
Held in 60 Schemes (39.77%)
Held by 100 Foreign Institutions (7.39%)






