ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Community Bank System, Inc. ?
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
- NII(Q) Highest at USD 124.75 MM
- OPERATING CASH FLOW(Y) Highest at USD 238.8 MM
- ROCE(HY) Highest at 1.19%
4
With ROA of 0.93%, it has a expensive valuation with a 1.64 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -13.90%, its profits have risen by 9.2% ; the PEG ratio of the company is 1.4
5
Below par performance in long term as well as near term
- Along with generating -13.90% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Community Bank System, Inc. should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Community Bank System, Inc. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Community Bank System, Inc.
-15.55%
1.21
28.88%
S&P 500
13.22%
0.64
20.20%
Quality
Management Risk
Growth
Capital StructureQuality key factors
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
ValuationValuation 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%
TechnicalsTechnical 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
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend15What is working for the Company
NII(Q)
Highest at USD 124.75 MM
OPERATING CASH FLOW(Y)
Highest at USD 238.8 MM
ROCE(HY)
Highest at 1.19%
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 172.88 MM
OPERATING PROFIT(Q)
Highest at USD 67.63 MM
PRE-TAX PROFIT(Q)
Highest at USD 67.63 MM
NET PROFIT(Q)
Highest at USD 52.33 MM
EPS(Q)
Highest at USD 0.97
-3What is not working for the Company
ROCE(HY)
Lowest at 1.19%
DIVIDEND PAYOUT RATIO(Y)
Lowest at 47.6%
Here's what is working for Community Bank System, Inc.
NII
Highest at USD 124.75 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Operating Cash Flow
Highest at USD 238.8 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 172.88 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 67.63 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Pre-Tax Profit
Highest at USD 67.63 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 52.33 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.97
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Here's what is not working for Community Bank System, Inc.
Dividend Payout Ratio
Lowest at 47.6%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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