Community Bank Valuation
| CBU Stock | USD 56.63 -0.72 -1.26% |
With shares trading at $56.63 against a Real Value estimate of $55.94 per share, Community Bank looks fairly valued. This estimate is based on an evaluation of Community Bank fundamentals, including return on equity of 11%, current valuation of $3.48B, and profit margin of 26%, together with its technical indicators and probability of bankruptcy. The most relevant valuation inputs for Community Bank include:
Fiscal trend analysis indicates Cash is set to increase significantly relative to last year. During the previous reporting period, Cash was 301.75 Million. This year, Accounts Payable is anticipated to decline to approximately 146.2 M.
Fairly Valued
Today
At the moment, Community Bank's price fluctuation remains Very Low. This valuation view for Community Bank System reflects a 3 months time horizon. Extending Community Bank's horizon generally improves valuation accuracy and strengthens the model's predictive power.
Community Bank is trading at 56.63, but that quoted price may not fully reflect intrinsic value. That gap may create an opportunity if price and value converge over time. | Historical | Market 56.63 | Real 55.94 | Target 68.33 | Hype 57.29 | Naive 57.1 |
The intrinsic value of Community Bank's stock can be calculated using various methods such as discounted cash flow or dividend analysis. That value may differ from its market price, which is determined by factors such as investor sentiment, market trends, headlines, and other.
Assessing the upside and downside potential of Community Bank System gives investors a clearer view of the risk-reward trade-off. Adding Community stock to a portfolio requires understanding both its growth ceiling and its downside exposure.When choosing an evaluation method for Community Bank System, ensure it is appropriate for the firm given its current financial situation and market classification. If more than one evaluation category is relevant, we suggest using all methods to arrive at a better estimate.
Main Profitability Drivers
Community Bank converts revenue at a 26.42% net margin rate, while its operating margin sits at 34.95%. A 8.53-point margin gap suggests that below-the-line items meaningfully affect Community Bank's net profitability. Community Bank generated 928.71 Million in revenue, producing 796.66 Million in gross profit (85.8% gross margin) and 210.46 Million in net income. The company produces 11.17% on shareholders' equity and 1.25% on total assets, framing Community Bank's capital efficiency picture. Community Bank's profitability trends show broad deterioration, with the majority of key metrics declining year over year. View Community Bank's full profitability analysis for additional context.
Price Book 1.5092 | Gross Profit | Price Sales 3.7955 | Profit Margin | Enterprise Value Revenue 4.2603 |
Community Bank Cash | 254.68 Million |
Revenue by Product
Revenue for Community Bank breaks down into 2 product-level segments. The largest contributor is Insurance Services at 12.47 Million (55.0% of revenue), with Wealth Management Services accounting for 10.2 Million (45.0%). While one segment leads, Community Bank's remaining product lines provide a degree of revenue balance.Total Value Analysis
From a capital-structure perspective, Community Bank System is being framed with enterprise value of 3.48 B, market capitalization of 3.02 B, debt obligations near 746.66 M, and cash resources of 247.39 M. Investors should review Community Bank fundamentals before making decisions based too heavily on enterprise value alone.| Takeover Price | Market Cap | Debt Obligations | Cash |
3.48 B | 3.02 B | 746.66 M | 247.39 M |
Investor Information
About 78.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 1.51. Some equities with similar Price to Book (P/B) outperform the market in the long run. Community Bank System has Price/Earnings To Growth (PEG) ratio of 2.62. The company had its last dividend issued on the 16th of March 2026. The firm completed a 2:1 stock split on 13th of April 2004. Reviewing balance sheet structure and operating performance, Community Bank System reflects measured financial stability. Operating returns remain positive, suggesting ongoing earnings capacity. For financial institutions, capital adequacy, leverage ratios, and funding structure are central to financial strength assessment.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 0.19 | 0.314 |
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| Total Cash From Operating Activities | 317 M | 301.9 M |
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| Operating Income | 306.2 M | 291.7 M |
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Asset Utilization
The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. Community Bank has an asset utilization ratio of 5.33 percent. This implies that the Company is making $0.0533 for each dollar of assets. An increasing asset utilization means that Community Bank System is more efficient with each dollar of assets it utilizes for everyday operations.Macro event markers
Profitability Analysis
Taking into consideration Community Bank's profitability measurements, Community Bank System may not be well positioned to generate adequate gross income at this time. It has a very high probability of underperforming in April. Profitability indicators assess Community Bank's ability to earn profits and add value for shareholders.Net Income | First Reported 1991-03-31 | Previous Quarter 55.1 M | Current Value 54.4 M | Quarterly Volatility 16.7 M |
Macro event markers
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Gross Profit Margin | 0.58 | 0.7343 |
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| Net Profit Margin | 0.14 | 0.2266 |
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| Operating Profit Margin | 0.19 | 0.314 |
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| Pretax Profit Margin | 0.19 | 0.2965 |
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| Return On Assets | 0.0085 | 0.0121 |
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| Return On Equity | 0.11 | 0.1049 |
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A meaningful profitability review of Community Bank System should connect income generation with revenue scale, asset use, operating costs, and current equity structure. These profitability indicators help investors judge how well Community Bank uses its assets to create earnings power and long-term shareholder value.
Earnings per Share Projection vs Actual
Consensus EPS for Community Bank is 1.09, with bounds of 1.06 and 1.12. EPS TTM is 3.97. EPS is most informative when read together with margin stability and cash-flow conversion. Analyst EPS projections for Community Bank System help frame the market's expectations, but the consensus should still be tested against accounting quality, guidance changes, and prior forecast error. Community Bank is projected to generate 1.09 in earnings per share on 31st of March 2026. The practical value of the EPS estimate is that it gives investors a benchmark for comparing reported results with the market's prior expectations.Macro event markers
Earnings Estimation Breakdown
Analyst consensus for Community Bank sets the next projected EPS at 1.09, with estimates ranging from 1.06 on the low end to 1.12 on the high end. This range reflects the degree of analyst disagreement about Community Bank's near-term earnings trajectory. The estimate is based on trailing twelve-month data and excludes non-recurring items that could distort the underlying earnings trend.Last Reported EPS
1.06 Lowest | Expected EPS | 1.12 Highest |
Earnings Projection Consensus
For Community Bank, when the consensus earnings-based valuation exceeds the live market price, some investors see this as a potential long opportunity. When the market price runs ahead of the estimate, downside risk may be elevated if expectations soften. These scenario-based signals are most useful when combined with fundamental analysis and sector positioning.
| Number of Analysts | Historical Accuracy | Last Reported EPS | Estimated EPS for 31st of March 2026 | Current EPS (TTM) | |
| 6 | 95.06% | 1.07 | 1.09 | 3.97 |
Ownership Allocation
The majority of Community Bank's outstanding shares are owned by institutional investors. These positions are typically held by large asset managers, pension funds, and index funds that manage capital on behalf of millions of clients. Institutions of this scale are required to disclose their holdings through 13F filings with the SEC, providing visibility into ownership changes each quarter. Of Community Bank's outstanding shares, about 78% are institutional, 1% insider-held, and 21% in the public float.Revenue and Profit Overview
The company reported last year's revenue of 928.71 M. Total Income to common stockholders was 210.46 M with profit before taxes, overhead, and interest of 796.66 M.Past Distributions to Stockholders
Studying the payout policy of Community Bank System can help investors understand how the company allocates capital. Investors often compare dividend payments with profitability and free cash flow trends. Income-focused investors may want to review Community Bank System dividend history.
Valuation Framework, Methodology & Assumptions
Community Bank is a large-cap equity in Regional Banks, Banks - Regional, Financial Services categories. Current pricing reflects market expectations around growth and margins. Profitability indicators are currently positive. Community Bank currently trades at P/E of 19.81, P/B of 1.51, P/S of 3.8.
Data shown for Community Bank System is aggregated from periodic company reporting and market reference feeds and normalized across reporting formats. Sell-side coverage, where present, supplements the data shown. Source publication cadence can introduce delays. Valuation outputs are model-derived and depend on published assumptions and reference inputs.
This content is curated and reviewed by:
Gabriel Shpitalnik - Member of Macroaxis Editorial BoardInvestors valuing Community Bank System often study dividends because payout consistency can strengthen the case for durable cash generation and disciplined capital allocation. The practical question is whether the payout policy reinforces the business case or masks weaker underlying economics. For additional context, explore Community Bank System dividend history and review how its payout policy has evolved over time.
Community Bank Growth Indicators
When investors treat Community Bank System as a growth opportunity, they are usually paying for future execution rather than only for current fundamentals. A disciplined growth review keeps upside potential and expectation risk visible at the same time.
| Common Stock Shares Outstanding | 56.1 M | |
| Quarterly Earnings Growth Y O Y | 0.097 | |
| Forward Price Earnings | 15.7729 |
Community Bank Current Valuation Indicators
Valuation analysis for Community Bank System is about estimating what the business is worth based on operating performance, asset quality, liabilities, and future earning power rather than on headline price alone. Methods such as market-cap analysis, earnings multiples, and discounted cash-flow work are most useful when they are used together rather than in isolation.
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