Community Bank System Stock Z Score

CBU Stock

USD 70.06 1.39 1.95%

Altman Z Score is one of the simplest fundamental models to determine how likely your company is to fail. The module uses available fundamental data of a given equity to approximate the Altman Z score. Altman Z Score is determined by evaluating five fundamental price points available from the company's current public disclosure documents. Check out Community Bank Piotroski F Score and Community Bank Valuation analysis.

At this time, Community Bank's Capital Stock is comparatively stable compared to the past year. Change In Working Capital is likely to gain to about 1.2 M in 2024, whereas Capital Expenditures is likely to drop slightly above 9.6 M in 2024. At this time, Community Bank's Net Income Applicable To Common Shares is comparatively stable compared to the past year. Non Recurring is likely to gain to about 45.4 M in 2024, whereas EBITDA is likely to drop slightly above 141.3 M in 2024.

Community Bank System Company Z Score Analysis

Community Bank's Z-Score is a simple linear, multi-factor model that measures the financial health and economic stability of a company. The score is used to predict the probability of a firm going into bankruptcy within next 24 months or two fiscal years from the day stated on the accounting statements used to calculate it. The model uses five fundamental business ratios that are weighted according to algorithm of Professor Edward Altman who developed it in the late 1960s at New York University..

Z Score

Sum Of

5 Factors

More About Z Score | All Equity Analysis

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

Community Z Score 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 Z Score. 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.

	Total Assets	Total Stockholder Equity	Net Debt	Retained Earnings	Net Receivables	Total Liab	Total Current Assets	Short Term Debt	Accounts Payable	Common Stock	Long Term Debt	Treasury Stock	Intangible Assets	Property Plant Equipment	Good Will	Short Term Investments	Net Tangible Assets	Long Term Debt Total	Capital Surpluse	Long Term Investments	Short Long Term Debt	Earning Assets	Current Deferred Revenue	Net Invested Capital	Capital Stock
Total Assets		0.9	-0.11	0.99	0.92	1.0	0.4	0.01	-0.21	0.79	0.48	-0.25	-0.1	0.85	0.85	0.82	0.69	-0.78	0.86	0.64	-0.43	0.75	0.29	-0.36	0.74
Total Stockholder Equity	0.9		-0.35	0.88	0.71	0.88	0.58	-0.16	-0.24	0.86	0.18	0.13	-0.11	0.87	0.91	0.84	0.9	-0.5	0.88	0.82	-0.68	0.53	0.6	-0.23	0.51
Net Debt	-0.11	-0.35		-0.07	0.18	-0.08	-0.46	0.35	0.13	-0.08	0.47	-0.58	0.11	-0.17	-0.13	-0.3	-0.66	0.03	-0.2	-0.26	0.66	-0.06	-0.25	0.18	-0.09
Retained Earnings	0.99	0.88	-0.07		0.92	0.99	0.32	-0.06	-0.23	0.76	0.49	-0.28	-0.11	0.84	0.83	0.77	0.67	-0.8	0.87	0.65	-0.44	0.75	0.28	-0.31	0.76
Net Receivables	0.92	0.71	0.18	0.92		0.93	0.08	0.11	-0.09	0.67	0.52	-0.53	0.0	0.7	0.69	0.56	0.39	-0.75	0.71	0.43	-0.26	0.69	0.09	-0.2	0.77
Total Liab	1.0	0.88	-0.08	0.99	0.93		0.37	0.03	-0.2	0.77	0.52	-0.3	-0.09	0.83	0.83	0.8	0.65	-0.81	0.85	0.61	-0.39	0.77	0.24	-0.37	0.76
Total Current Assets	0.4	0.58	-0.46	0.32	0.08	0.37		0.16	-0.33	0.57	0.18	0.56	-0.3	0.53	0.57	0.83	0.69	-0.13	0.46	0.57	-0.19	0.23	0.47	-0.47	-0.05
Short Term Debt	0.01	-0.16	0.35	-0.06	0.11	0.03	0.16		0.47	0.1	0.39	-0.06	0.36	-0.01	-0.04	0.08	-0.3	-0.1	-0.22	-0.42	0.65	0.09	-0.32	-0.26	-0.09
Accounts Payable	-0.21	-0.24	0.13	-0.23	-0.09	-0.2	-0.33	0.47		-0.12	-0.13	0.02	0.96	-0.19	-0.21	-0.34	-0.31	0.15	-0.32	-0.45	0.18	-0.16	-0.16	0.06	-0.15
Common Stock	0.79	0.86	-0.08	0.76	0.67	0.77	0.57	0.1	-0.12		0.22	0.09	-0.07	0.9	0.92	0.78	0.64	-0.33	0.74	0.72	-0.39	0.47	0.48	-0.11	0.2
Long Term Debt	0.48	0.18	0.47	0.49	0.52	0.52	0.18	0.39	-0.13	0.22		-0.48	-0.04	0.36	0.38	0.47	-0.03	-0.69	0.45	0.07	0.44	0.7	-0.13	-0.45	0.41
Treasury Stock	-0.25	0.13	-0.58	-0.28	-0.53	-0.3	0.56	-0.06	0.02	0.09	-0.48		0.0	0.07	0.08	0.13	0.43	0.48	-0.04	0.23	-0.28	-0.39	0.53	0.09	-0.52
Intangible Assets	-0.1	-0.11	0.11	-0.11	0.0	-0.09	-0.3	0.36	0.96	-0.07	-0.04	0.0		-0.11	-0.07	-0.25	-0.19	0.06	-0.14	-0.34	0.05	-0.06	0.01	-0.01	-0.05
Property Plant Equipment	0.85	0.87	-0.17	0.84	0.7	0.83	0.53	-0.01	-0.19	0.9	0.36	0.07	-0.11		0.95	0.81	0.72	-0.54	0.89	0.7	-0.44	0.7	0.46	-0.1	0.34
Good Will	0.85	0.91	-0.13	0.83	0.69	0.83	0.57	-0.04	-0.21	0.92	0.38	0.08	-0.07	0.95		0.84	0.74	-0.48	0.94	0.76	-0.48	0.65	0.62	-0.15	0.31
Short Term Investments	0.82	0.84	-0.3	0.77	0.56	0.8	0.83	0.08	-0.34	0.78	0.47	0.13	-0.25	0.81	0.84		0.77	-0.58	0.79	0.69	-0.32	0.64	0.38	-0.58	0.38
Net Tangible Assets	0.69	0.9	-0.66	0.67	0.39	0.65	0.69	-0.3	-0.31	0.64	-0.03	0.43	-0.19	0.72	0.74	0.77		-0.34	0.76	0.78	-0.77	0.37	0.67	-0.23	0.38
Long Term Debt Total	-0.78	-0.5	0.03	-0.8	-0.75	-0.81	-0.13	-0.1	0.15	-0.33	-0.69	0.48	0.06	-0.54	-0.48	-0.58	-0.34		-0.63	-0.17	0.11	-0.89	0.2	0.56	-0.83
Capital Surpluse	0.86	0.88	-0.2	0.87	0.71	0.85	0.46	-0.22	-0.32	0.74	0.45	-0.04	-0.14	0.89	0.94	0.79	0.76	-0.63		0.71	-0.55	0.77	0.57	-0.18	0.49
Long Term Investments	0.64	0.82	-0.26	0.65	0.43	0.61	0.57	-0.42	-0.45	0.72	0.07	0.23	-0.34	0.7	0.76	0.69	0.78	-0.17	0.71		-0.55	0.21	0.7	-0.01	0.25
Short Long Term Debt	-0.43	-0.68	0.66	-0.44	-0.26	-0.39	-0.19	0.65	0.18	-0.39	0.44	-0.28	0.05	-0.44	-0.48	-0.32	-0.77	0.11	-0.55	-0.55		-0.16	-0.58	-0.07	-0.29
Earning Assets	0.75	0.53	-0.06	0.75	0.69	0.77	0.23	0.09	-0.16	0.47	0.7	-0.39	-0.06	0.7	0.65	0.64	0.37	-0.89	0.77	0.21	-0.16		-0.03	-0.4	0.58
Current Deferred Revenue	0.29	0.6	-0.25	0.28	0.09	0.24	0.47	-0.32	-0.16	0.48	-0.13	0.53	0.01	0.46	0.62	0.38	0.67	0.2	0.57	0.7	-0.58	-0.03		0.21	-0.11
Net Invested Capital	-0.36	-0.23	0.18	-0.31	-0.2	-0.37	-0.47	-0.26	0.06	-0.11	-0.45	0.09	-0.01	-0.1	-0.15	-0.58	-0.23	0.56	-0.18	-0.01	-0.07	-0.4	0.21		-0.39
Capital Stock	0.74	0.51	-0.09	0.76	0.77	0.76	-0.05	-0.09	-0.15	0.2	0.41	-0.52	-0.05	0.34	0.31	0.38	0.38	-0.83	0.49	0.25	-0.29	0.58	-0.11	-0.39

Click cells to compare fundamentals

To calculate a Z-Score, one would need to know a company's current working capital, its total assets and liabilities, and the amount of its latest earnings as well as earnings before interest and tax. Z-Scores can be used to compare the odds of bankruptcy of companies in a similar line of business or firms operating in the same industry. Companies with Z-Scores above 3.1 are generally considered to be stable and healthy with a low probability of bankruptcy. Scores that fall between 1.8 and 3.1 lie in a so-called 'grey area,' with scores of less than 1 indicating the highest probability of distress. Z Score is a used widely measure by financial auditors, accountants, money managers, loan processors, wealth advisers, and day traders. In the last 25 years, many financial models that utilize z-scores proved it to be successful as a predictor of corporate bankruptcy.

Competition

Predict Community Bank

In accordance with the company's disclosures, Community Bank System has a Z Score of 0.0. This is 100.0% lower than that of the Banks sector and about the same as Financials (which currently averages 0.0) industry. The z score for all United States stocks is 100.0% higher than that of the company.

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 purchase 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
Northern Trust Corp	2024-09-30	532.7 K
Norges Bank	2024-06-30	496.4 K
Segall Bryant & Hamill	2024-09-30	479.8 K
Nuveen Asset Management, Llc	2024-06-30	421.5 K
Public Employees Retirt Assn Of Colorado	2024-06-30	382.1 K
Bank Of America Corp	2024-06-30	294.8 K
Principal Financial Group Inc	2024-09-30	247.7 K
Waldron, Lp	2024-06-30	228.1 K
Ameriprise Financial Inc	2024-06-30	204.1 K
Blackrock Inc	2024-06-30	7.5 M
Vanguard Group Inc	2024-09-30	6.4 M

Community Fundamentals

	Return On Equity	0.0996
	Return On Asset	0.0105
	Profit Margin	0.24 %
	Operating Margin	0.33 %
	Current Valuation	4.36 B
	Shares Outstanding	52.56 M
	Shares Owned By Insiders	1.29 %
	Shares Owned By Institutions	72.61 %
	Number Of Shares Shorted	1.18 M
	Price To Earning	19.81 X
	Price To Book	2.10 X
	Price To Sales	5.32 X
	Revenue	640.67 M
	Gross Profit	664.58 M
	EBITDA	195.73 M
	Net Income	131.48 M
	Cash And Equivalents	247.39 M
	Cash Per Share	4.60 X
	Total Debt	460.6 M
	Debt To Equity	0.35 %
	Book Value Per Share	33.97 X
	Cash Flow From Operations	228.42 M
	Short Ratio	5.24 X
	Earnings Per Share	3.13 X
	Price To Earnings To Growth	2.17 X
	Target Price	67.2
	Number Of Employees	2.69 K
	Beta	0.64
	Market Capitalization	3.76 B
	Total Asset	15.56 B
	Retained Earnings	1.19 B
	Annual Yield	0.03 %
	Five Year Return	2.45 %
	Net Asset	15.56 B
	Last Dividend Paid	1.81

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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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.

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Community Bank System Stock Z Score

Community Bank System Company Z Score Analysis

Z Score

Sum Of

5 Factors

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

Community Z Score Driver Correlations

Community Bank ESG Sustainability

Community Bank Institutional Holders

Community Fundamentals

About Community Bank Fundamental Analysis

Thematic Opportunities

Explore Investment Opportunities

Additional Tools for Community Stock Analysis

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