Question 1

How big is Community Bank System, Inc.?

Accepted Answer

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.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.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.

Question 2

What does Community Bank System, Inc. do?

Accepted Answer

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

Question 3

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

Accepted Answer

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

Question 4

Is Community Bank System, Inc. overvalued or undervalued?

Accepted Answer

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.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.

Question 5

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

Accepted Answer

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.

Community Bank System, Inc.

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How big is Community Bank System, Inc.?

What does Community Bank System, Inc. do?

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

Is Community Bank System, Inc. overvalued or undervalued?

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

Compare Community Bank System, Inc. with Similar Stocks

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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

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About Community Bank System, Inc.

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