How to buy Community Bank System stock

Community Bank System, Inc is a banks-regional business based in the US. Community Bank System shares (CBU) are listed on the NYSE and all prices are listed in US Dollars. Community Bank System employs 2,807 staff and has a trailing 12-month revenue of around 0.00.

Community Bank System share price

Use our graph to track the performance of CBU stocks over time.

Community Bank System shares at a glance

• Key figures

Information last updated 2021-04-30.

52-week range	$48.32 - $82.53
50-day moving average	$77.89
200-day moving average	$68.47
Wall St. target price	$77.00
PE ratio	23.955
Dividend yield	$1.67 (2.14%)
Earnings per share (TTM)	$3.29

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Is it a good time to buy Community Bank System stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

Technical Analysis of Community Bank System, Inc by TradingView

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

Is Community Bank System under- or over-valued?

Valuing Community Bank System stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Community Bank System's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

Community Bank System's P/E ratio

Community Bank System's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 24x. In other words, Community Bank System shares trade at around 24x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

Community Bank System's PEG ratio

Community Bank System's "price/earnings-to-growth ratio" can be calculated by dividing its P/E ratio by its growth – to give 2.17. A low ratio can be interpreted as meaning the shares offer better value, while a higher ratio can be interpreted as meaning the shares offer worse value.

The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into Community Bank System's future profitability. By accounting for growth, it could also help you if you're comparing the share prices of multiple high-growth companies.

Community Bank System financials

Revenue TTM	$597.3 million
Operating margin TTM	40.64%
Gross profit TTM	$582.2 million
Return on assets TTM	1.34%
Return on equity TTM	8.99%
Profit margin	29.7%
Book value	$36.59
Market capitalisation	$4.2 billion

TTM: trailing 12 months

Shorting Community Bank System shares

There are currently 1.9 million Community Bank System shares held short by investors – that's known as Community Bank System's "short interest". This figure is 7.6% down from 2.0 million last month.

There are a few different ways that this level of interest in shorting Community Bank System shares can be evaluated.

Community Bank System's "short interest ratio" (SIR)

Community Bank System's "short interest ratio" (SIR) is the quantity of Community Bank System shares currently shorted divided by the average quantity of Community Bank System shares traded daily (recently around 234163.20400501). Community Bank System's SIR currently stands at 7.99. In other words for every 100,000 Community Bank System shares traded daily on the market, roughly 7990 shares are currently held short.

However Community Bank System's short interest can also be evaluated against the total number of Community Bank System shares, or, against the total number of tradable Community Bank System shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case Community Bank System's short interest could be expressed as 0.03% of the outstanding shares (for every 100,000 Community Bank System shares in existence, roughly 30 shares are currently held short) or 0.0474% of the tradable shares (for every 100,000 tradable Community Bank System shares, roughly 47 shares are currently held short).

A SIR below 10% would generally be considered to indicate a fairly optimistic outlook for the share price, with fewer people currently willing to bet against Community Bank System.

Find out more about how you can short Community Bank System stock.

Community Bank System share dividends

Dividend payout ratio: 39.76% of net profits

Recently Community Bank System has paid out, on average, around 39.76% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 2.16% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Community Bank System shareholders could enjoy a 2.16% return on their shares, in the form of dividend payments. In Community Bank System's case, that would currently equate to about $1.67 per share.

While Community Bank System's payout ratio might seem fairly standard, it's worth remembering that Community Bank System may be investing much of the rest of its net profits in future growth.

Community Bank System's most recent dividend payout was on 8 April 2021. The latest dividend was paid out to all shareholders who bought their shares by 11 March 2021 (the "ex-dividend date").

Have Community Bank System's shares ever split?

Community Bank System's shares were split on a 2:1 basis on 12 April 2004. So if you had owned 1 share the day before before the split, the next day you'd have owned 2 shares. This wouldn't directly have changed the overall worth of your Community Bank System shares – just the quantity. However, indirectly, the new 50% lower share price could have impacted the market appetite for Community Bank System shares which in turn could have impacted Community Bank System's share price.

Community Bank System share price volatility

Over the last 12 months, Community Bank System's shares have ranged in value from as little as $48.3151 up to $82.53. A popular way to gauge a stock's volatility is its "beta".

Beta is a measure of a share's volatility in relation to the market. The market (NYSE average) beta is 1, while Community Bank System's is 0.7369. This would suggest that Community Bank System's shares are less volatile than average (for this exchange).

Community Bank System overview

Community Bank System, Inc. operates as the bank holding company for Community Bank, N. A. that provides various banking and other financial services to retail, commercial, and municipal customers. It operates through three segments: Banking, Employee Benefit Services, and All Other. The company offers various deposits products, such as 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 lines of credit for consumers; and home equity products.

Frequently asked questions

• What percentage of Community Bank System is owned by insiders or institutions?

  Currently 1.376% of Community Bank System shares are held by insiders and 71.016% by institutions.

• How many people work for Community Bank System?

  Latest data suggests 2,807 work at Community Bank System.

• When does the fiscal year end for Community Bank System?

  Community Bank System's fiscal year ends in December.

• Where is Community Bank System based?

  Community Bank System's address is: 5790 Widewaters Parkway, Onondaga, NY, United States, 13214-1883

• What is Community Bank System's ISIN number?

  Community Bank System's international securities identification number is: US2036071064

• What is Community Bank System's CUSIP number?

  Community Bank System's Committee on Uniform Securities Identification Procedures number is: 203607106