Community Bank System Net Income
| CBU Stock | USD 66.51 0.22 0.33% |
As of the 12th of February 2026, Community Bank shows the Mean Deviation of 1.18, risk adjusted performance of 0.1471, and Downside Deviation of 1.25. Community Bank System technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices.
Community Bank Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 4.8374 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 209.9 M | 220.3 M | |
| Net Income Applicable To Common Shares | 209 M | 219.5 M | |
| Net Income From Continuing Ops | 209.9 M | 147.7 M | |
| Net Income Per Share | 3.75 | 3.94 | |
| Net Income Per E B T | 0.76 | 0.59 |
Community | Net Income | Build AI portfolio with Community Stock |
The evolution of Net Income for Community Bank System provides essential context for understanding the company's financial health trajectory. By analyzing this metric's behavior over time, investors can assess whether recent trends align with long-term patterns, and how Community Bank compares to historical norms and industry peers.
Latest Community Bank's Net Income Growth Pattern
Below is the plot of the Net Income of Community Bank System over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Community Bank System financial statement analysis. It represents the amount of money remaining after all of Community Bank System operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Community Bank's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Community Bank's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 182.48 M | 10 Years Trend |
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Net Income |
| Timeline |
Community Net Income Regression Statistics
| Arithmetic Mean | 135,020,221 | |
| Geometric Mean | 107,606,244 | |
| Coefficient Of Variation | 44.24 | |
| Mean Deviation | 50,541,619 | |
| Median | 150,717,000 | |
| Standard Deviation | 59,728,953 | |
| Sample Variance | 3567.5T | |
| Range | 217.8M | |
| R-Value | 0.92 | |
| Mean Square Error | 607.8T | |
| R-Squared | 0.84 | |
| Slope | 10,842,510 | |
| Total Sum of Squares | 57080.8T |
Community Net Income History
Other Fundumenentals of Community Bank System
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Community Bank Net Income component correlations
Community Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Community Bank is extremely important. It helps to project a fair market value of Community Stock properly, considering its historical fundamentals such as Net Income. Since Community Bank's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Community Bank's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Community Bank's interrelated accounts and indicators.
Click cells to compare fundamentals
Is there potential for Regional Banks market expansion? Will Community introduce new products? Factors like these will boost the valuation of Community Bank. Projected growth potential of Community fundamentally drives upward valuation adjustments. Understanding fair value requires weighing current performance against future potential. All the valuation information about Community Bank listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.101 | Dividend Share 1.86 | Earnings Share 3.96 | Revenue Per Share | Quarterly Revenue Growth 0.107 |
Community Bank System's market price often diverges from its book value, the accounting figure shown on Community's balance sheet. Smart investors calculate Community Bank's intrinsic value - its true economic worth - which may differ significantly from both market price and book value. Analysts utilize numerous techniques to assess fundamental value, seeking to purchase shares when trading prices fall beneath estimated intrinsic worth. Since Community Bank's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
It's important to distinguish between Community Bank's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Community Bank should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. However, Community Bank's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
Community Bank 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Community Bank's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Community Bank.
| 11/14/2025 |
| 02/12/2026 |
If you would invest 0.00 in Community Bank on November 14, 2025 and sell it all today you would earn a total of 0.00 from holding Community Bank System or generate 0.0% return on investment in Community Bank over 90 days. Community Bank is related to or competes with WesBanco, Bancorp, WSFS Financial, First Hawaiian, BankUnited, Renasant, and Cathay General. Community Bank System, Inc. operates as the bank holding company for Community Bank, N.A More
Community Bank Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Community Bank's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Community Bank System upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.25 | |||
| Information Ratio | 0.1112 | |||
| Maximum Drawdown | 8.66 | |||
| Value At Risk | (1.63) | |||
| Potential Upside | 2.35 |
Community Bank Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Community Bank's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Community Bank's standard deviation. In reality, there are many statistical measures that can use Community Bank historical prices to predict the future Community Bank's volatility.| Risk Adjusted Performance | 0.1471 | |||
| Jensen Alpha | 0.1732 | |||
| Total Risk Alpha | 0.0833 | |||
| Sortino Ratio | 0.1348 | |||
| Treynor Ratio | 0.2767 |
Community Bank February 12, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.1471 | |||
| Market Risk Adjusted Performance | 0.2867 | |||
| Mean Deviation | 1.18 | |||
| Semi Deviation | 1.01 | |||
| Downside Deviation | 1.25 | |||
| Coefficient Of Variation | 556.89 | |||
| Standard Deviation | 1.51 | |||
| Variance | 2.29 | |||
| Information Ratio | 0.1112 | |||
| Jensen Alpha | 0.1732 | |||
| Total Risk Alpha | 0.0833 | |||
| Sortino Ratio | 0.1348 | |||
| Treynor Ratio | 0.2767 | |||
| Maximum Drawdown | 8.66 | |||
| Value At Risk | (1.63) | |||
| Potential Upside | 2.35 | |||
| Downside Variance | 1.55 | |||
| Semi Variance | 1.03 | |||
| Expected Short fall | (1.44) | |||
| Skewness | 0.3497 | |||
| Kurtosis | 1.06 |
Community Bank System Backtested Returns
Community Bank appears to be very steady, given 3 months investment horizon. Community Bank System secures Sharpe Ratio (or Efficiency) of 0.19, which signifies that the company had a 0.19 % return per unit of risk over the last 3 months. We have found twenty-nine technical indicators for Community Bank System, which you can use to evaluate the volatility of the firm. Please makes use of Community Bank's Downside Deviation of 1.25, mean deviation of 1.18, and Risk Adjusted Performance of 0.1471 to double-check if our risk estimates are consistent with your expectations. On a scale of 0 to 100, Community Bank holds a performance score of 14. The firm shows a Beta (market volatility) of 0.94, which signifies possible diversification benefits within a given portfolio. Community Bank returns are very sensitive to returns on the market. As the market goes up or down, Community Bank is expected to follow. Please check Community Bank's downside variance, and the relationship between the sortino ratio and accumulation distribution , to make a quick decision on whether Community Bank's price patterns will revert.
Auto-correlation | 0.73 |
Good predictability
Community Bank System has good predictability. Overlapping area represents the amount of predictability between Community Bank time series from 14th of November 2025 to 29th of December 2025 and 29th of December 2025 to 12th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Community Bank System price movement. The serial correlation of 0.73 indicates that around 73.0% of current Community Bank price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.73 | |
| Spearman Rank Test | 0.75 | |
| Residual Average | 0.0 | |
| Price Variance | 6.31 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Community Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, Community Bank System reported net income of 182.48 M. This is 85.72% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 68.04% higher than that of the company.
Community Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Community Bank's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Community Bank could also be used in its relative valuation, which is a method of valuing Community Bank by comparing valuation metrics of similar companies.Community Bank is currently under evaluation in net income category among its peers.
Community Bank ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Community Bank's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Community Bank's managers, analysts, and investors.Environmental | Governance | Social |
Community Bank Institutional Holders
Institutional Holdings refers to the ownership stake in Community Bank that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of Community Bank's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Community Bank's value.| Shares | Deprince Race & Zollo Inc | 2025-06-30 | 591 K | Bank Of New York Mellon Corp | 2025-06-30 | 541.2 K | Goldman Sachs Group Inc | 2025-06-30 | 504.4 K | Segall Bryant & Hamill | 2025-06-30 | 419 K | Public Employees Retirt Assn Of Colorado | 2025-06-30 | 381.1 K | Balyasny Asset Management Llc | 2025-06-30 | 354.9 K | Amvescap Plc. | 2025-06-30 | 337.1 K | Principal Financial Group Inc | 2025-06-30 | 299.7 K | Bank Of America Corp | 2025-06-30 | 273.2 K | Blackrock Inc | 2025-06-30 | 7.6 M | Vanguard Group Inc | 2025-06-30 | 6.4 M |
Community Fundamentals
| Return On Equity | 0.11 | ||||
| Return On Asset | 0.0125 | ||||
| Profit Margin | 0.26 % | ||||
| Operating Margin | 0.36 % | ||||
| Current Valuation | 3.88 B | ||||
| Shares Outstanding | 52.68 M | ||||
| Shares Owned By Insiders | 1.04 % | ||||
| Shares Owned By Institutions | 77.76 % | ||||
| Number Of Shares Shorted | 1.61 M | ||||
| Price To Earning | 19.81 X | ||||
| Price To Book | 1.74 X | ||||
| Price To Sales | 4.38 X | ||||
| Revenue | 928.71 M | ||||
| Gross Profit | 796.94 M | ||||
| EBITDA | 317.25 M | ||||
| Net Income | 182.48 M | ||||
| Cash And Equivalents | 247.39 M | ||||
| Cash Per Share | 4.60 X | ||||
| Total Debt | 998.87 M | ||||
| Debt To Equity | 0.35 % | ||||
| Book Value Per Share | 38.08 X | ||||
| Cash Flow From Operations | 242.28 M | ||||
| Short Ratio | 6.75 X | ||||
| Earnings Per Share | 3.96 X | ||||
| Price To Earnings To Growth | 2.17 X | ||||
| Target Price | 67.5 | ||||
| Number Of Employees | 2.73 K | ||||
| Beta | 0.81 | ||||
| Market Capitalization | 3.49 B | ||||
| Total Asset | 16.39 B | ||||
| Retained Earnings | 1.28 B | ||||
| Annual Yield | 0.03 % | ||||
| Five Year Return | 2.45 % | ||||
| Net Asset | 16.39 B | ||||
| Last Dividend Paid | 1.86 |
About Community Bank Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Community Bank System's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Community Bank using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Community Bank System based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Additional Tools for Community Stock Analysis
When running Community Bank's price analysis, check to measure Community Bank's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Community Bank is operating at the current time. Most of Community Bank's value examination focuses on studying past and present price action to predict the probability of Community Bank's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Community Bank's price. Additionally, you may evaluate how the addition of Community Bank to your portfolios can decrease your overall portfolio volatility.