Community Bank System Stock Analysis

Community Stock Analysis Notes

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 1.64. 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 2.17. The entity last dividend was issued on the 16th of March 2026. The firm had 2:1 split on the 13th of April 2004. 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. Community Bank System, Inc. was founded in 1866 and is headquartered in DeWitt, New York. Community Bank operates under BanksRegional classification in the United States and is traded on New York Stock Exchange. It employs 2728 people. For more info on Community Bank System please contact Mark Tryniski at 315 445 2282 or go to https://communityfinancialsystem.com.

Community Bank System Investment Alerts

Community Largest EPS Surprises

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Community Bank Environmental, Social, and Governance (ESG) Scores

Community Stock Institutional Investors

Note, although Community Bank's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Community Market Capitalization

The company currently falls under 'Mid-Cap' category with a total capitalization of 3.36 B.

Community Profitablity

The company has Net Profit Margin of 0.26 %, which implies that it may need a different competitive strategy as even a very small decline in it revenue may erase profits and result in a net loss. This is way below average. In the same way, it shows Net Operating Margin of 0.36 %, which entails that for every 100 dollars of revenue, it generated $0.36 of operating income.

Management Efficiency

Community Bank System has Return on Asset of 0.0125 % which means that on every $100 spent on assets, it made $0.0125 of profit. This is way below average. In the same way, it shows a return on shareholders' equity (ROE) of 0.1117 %, implying that it generated $0.1117 on every 100 dollars invested. Community Bank's management efficiency ratios could be used to measure how well Community Bank manages its routine affairs as well as how well it operates its assets and liabilities. Return On Capital Employed is likely to gain to 0.12 in 2026, whereas Return On Tangible Assets are likely to drop 0.01 in 2026. Total Current Liabilities is likely to gain to about 16.7 B in 2026. Liabilities And Stockholders Equity is likely to gain to about 19.8 B in 2026

Technical Drivers

As of the 3rd of February, Community Bank shows the Mean Deviation of 1.19, downside deviation of 1.28, and Risk Adjusted Performance of 0.0781. 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 System Price Movement Analysis

Community Bank System Insider Trading Activities

Community Bank Outstanding Bonds

Community Bank Predictive Daily Indicators

Community Bank Corporate Filings

Community Bank Forecast Models

Community Bank's time-series forecasting models are one of many Community Bank's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Community Bank's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

Community Bank Bond Ratings

Community Bank System financial ratings play a critical role in determining how much Community Bank have to pay to access credit markets, i.e., the amount of interest on their issued debt. The threshold between investment-grade and speculative-grade ratings has important market implications for Community Bank's borrowing costs.

Community Bank System Debt to Cash Allocation

Community Bank System has 998.87 M in debt with debt to equity (D/E) ratio of 0.35, which is OK given its current industry classification. That said, strategic use of leverage may enable Community to fund expansion initiatives and generate superior returns.

Community Bank Common Stock Shares Outstanding Over Time

Community Bank Assets Financed by Debt

The debt-to-assets ratio shows the degree to which Community Bank uses debt to finance its assets. It includes both long-term and short-term borrowings maturing within one year. It also includes both tangible and intangible assets, such as goodwill.

Community Bank Debt Ratio

11.0

It appears most of the Community Bank's assets are financed through equity. Typically, companies with high debt-to-asset ratios are said to be highly leveraged. The higher the ratio, the greater risk will be associated with the Community Bank's operation. In addition, a high debt-to-assets ratio may indicate a low borrowing capacity of Community Bank, which in turn will lower the firm's financial flexibility.

Community Bank Corporate Bonds Issued

Community Short Long Term Debt Total

Stock analysis is the technique used by a trader or investor to examine and evaluate how Community Bank prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Community shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Community Bank. By using and applying Community Stock analysis, traders can create a robust methodology for identifying Community entry and exit points for their positions.

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Community analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Community analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.

Community Bank System stock analysis indicators help investors evaluate how Community Bank stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Community Bank shares will generate the highest return on investment. By understating and applying Community Bank stock analysis, traders can identify Community Bank position entry and exit signals to maximize returns.

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.