Is Community Bank Stock a Good Investment?
Community Bank Investment Advice | CBU |
- Examine Community Bank's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research Community Bank's leadership team and their track record. Good management can help Community Bank navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Regional Banks space and any emerging trends that could impact Community Bank's business and its evolving consumer preferences.
- Compare Community Bank's performance and market position to its competitors. Analyze how Community Bank is positioned in terms of product offerings, innovation, and market share.
- Check if Community Bank pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about Community Bank's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in Community Bank System stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Community Bank System is a good investment.
Sell | Buy |
Strong Hold
Market Performance | Very Weak | Details | |
Volatility | Very steady | Details | |
Hype Condition | Low key | Details | |
Current Valuation | Undervalued | Details | |
Odds Of Distress | Very Low | Details | |
Economic Sensitivity | Almost mirrors the market | Details | |
Investor Sentiment | Impartial | Details | |
Analyst Consensus | Buy | Details | |
Financial Strenth (F Score) | Strong | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Examine Community Bank Stock
Researching Community Bank's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 75.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 1.74. 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 14th of March 2025. The firm had 2:1 split on the 13th of April 2004.
To determine if Community Bank is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Community Bank's research are outlined below:
| Community Bank generated a negative expected return over the last 90 days | |
| Community Bank has a strong financial position based on the latest SEC filings | |
| About 75.0% of the company shares are held by institutions such as insurance companies | |
| Latest headline from finance.yahoo.com: Top Growth Companies With Strong Insider Ownership March 2025 |
Community Bank Quarterly Liabilities And Stockholders Equity |
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Community Bank uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Community Bank System. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Community Bank's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 23rd of April 2024 Upcoming Quarterly Report | View | |
| 29th of July 2024 Next Financial Report | View | |
| 31st of March 2024 Next Fiscal Quarter End | View | |
| 28th of January 2025 Next Fiscal Year End | View | |
| 31st of December 2023 Last Quarter Report | View | |
| 31st of December 2023 Last Financial Announcement | View |
Earnings surprises can significantly impact Community Bank's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises Community Bank's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2002-04-19 | 2002-03-31 | 0.27 | 0.3 | 0.03 | 11 | ||
1998-04-21 | 1998-03-31 | 0.28 | 0.24 | -0.04 | 14 | ||
2010-10-26 | 2010-09-30 | 0.46 | 0.51 | 0.05 | 10 | ||
2010-04-26 | 2010-03-31 | 0.37 | 0.42 | 0.05 | 13 | ||
2008-01-17 | 2007-12-31 | 0.34 | 0.39 | 0.05 | 14 | ||
2007-01-22 | 2006-12-31 | 0.32 | 0.27 | -0.05 | 15 | ||
2002-01-29 | 2001-12-31 | 0.25 | 0.2 | -0.05 | 20 | ||
2000-01-25 | 1999-12-31 | 0.3 | 0.35 | 0.05 | 16 |
Community Bank Target Price Consensus
Community target price is determined by taking all analyst projections and averaging them out. There is no one specific way to measure analysts' performance other than comparing it to past results via a very sophisticated attribution analysis. Community Bank's target price projections below should be used in combination with other traditional price prediction techniques such as stock price forecasting, investor sentiment analysis, technical analysis, earnings estimate, and various momentum models.
| 6 | Buy |
Most Community analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to help potential investors understand Community stock's fair price compared to its market value. Analysts arrive at stock ratings after researching the public financial statements of Community Bank System, talking to its executives and customers, or listening to those companies' conference calls.
Macroaxis Advice Exposure ValuationCommunity Bank Target Price Projection
Community Bank's current and average target prices are 58.27 and 70.67, respectively. The current price of Community Bank is the price at which Community Bank System is currently trading. On the other hand, Community Bank's target price is what analysts think the stock is worth or could sell for in the future. The more significant the discrepancy between the two prices, the more it stimulates investors to act.Current Price
Community Bank Market Quote on 26th of March 2025
Target Price
Analyst Consensus On Community Bank Target Price
Community Bank Analyst Ratings
Community Bank's analyst stock recommendations are determined by taking an average estimate of all analysts we track and classifying them as Strong Buy, Buy, Hold, Strong Sell, or Sell. Ratings generally communicate what analysts sense about Community Bank stock, and they use a lot of effort and time to analyze it and arrive at a rating. That suggests that analyst recommendations are the outcome of an objective and thorough examination of Community Bank's financials, market performance, and future outlook by experienced professionals. Community Bank's historical ratings below, therefore, can serve as a valuable tool for investors.Know Community Bank's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Community Bank is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Community Bank System backward and forwards among themselves. Community Bank's institutional investor refers to the entity that pools money to purchase Community Bank's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Norges Bank | 2024-12-31 | 563.9 K | Deprince Race & Zollo Inc | 2024-12-31 | 524.8 K | Goldman Sachs Group Inc | 2024-12-31 | 510.2 K | Segall Bryant & Hamill | 2024-12-31 | 462.7 K | Public Employees Retirt Assn Of Colorado | 2024-12-31 | 381.1 K | Jpmorgan Chase & Co | 2024-12-31 | 348.4 K | Principal Financial Group Inc | 2024-12-31 | 254.9 K | Bank Of America Corp | 2024-12-31 | 246.5 K | Ubs Group Ag | 2024-12-31 | 240.3 K | Blackrock Inc | 2024-12-31 | 7.5 M | Vanguard Group Inc | 2024-12-31 | 6.4 M |
Community Bank's market capitalization trends
The company currently falls under 'Mid-Cap' category with a total capitalization of 3.07 B.Market Cap |
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Community Bank's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.01 | 0.01 | |
| Return On Capital Employed | 0.02 | 0.02 | |
| Return On Assets | 0.01 | 0.01 | |
| Return On Equity | 0.10 | 0.11 |
Determining Community Bank's profitability involves analyzing its financial statements and using various financial metrics to determine if Community Bank is a good buy. For example, gross profit margin measures Community Bank's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Community Bank's profitability and make more informed investment decisions.
Please note, the imprecision that can be found in Community Bank's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Community Bank System. Check Community Bank's Beneish M Score to see the likelihood of Community Bank's management manipulating its earnings.
Evaluate Community Bank's management efficiency
Community Bank System has Return on Asset of 0.0114 % which means that on every $100 spent on assets, it made $0.0114 of profit. This is way below average. In the same way, it shows a return on shareholders' equity (ROE) of 0.1055 %, implying that it generated $0.1055 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 Equity is likely to gain to 0.11 in 2025, whereas Return On Tangible Assets are likely to drop 0.01 in 2025. At this time, Community Bank's Liabilities And Stockholders Equity is comparatively stable compared to the past year. Non Current Liabilities Total is likely to gain to about 962.5 M in 2025, whereas Total Current Liabilities is likely to drop slightly above 112.1 M in 2025.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 33.42 | 35.09 | |
| Tangible Book Value Per Share | 16.33 | 17.14 | |
| Enterprise Value Over EBITDA | 12.79 | 15.69 | |
| Price Book Value Ratio | 1.85 | 1.17 | |
| Enterprise Value Multiple | 12.79 | 15.69 | |
| Price Fair Value | 1.85 | 1.17 | |
| Enterprise Value | 2.6 B | 2.7 B |
Community Bank's management has consistently demonstrated strong leadership, driving both financial growth and operational excellence. By analyzing current market trends and future growth opportunities, we assess the stock's true value and potential for investors.
Basic technical analysis of Community Stock
As of the 26th of March, Community Bank shows the Standard Deviation of 1.82, mean deviation of 1.3, and Risk Adjusted Performance of (0.06). 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's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Community Bank insiders, such as employees or executives, is commonly permitted as long as it does not rely on Community Bank's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Community Bank insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Community Bank's Outstanding Corporate Bonds
Community Bank issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Community Bank System uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Community bonds can be classified according to their maturity, which is the date when Community Bank System has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| Dana 575 percent Corp BondUS235822AB96 | View | |
| US20369EAE23 Corp BondUS20369EAE23 | View | |
| Morgan Stanley 3971 Corp BondUS61744YAL20 | View | |
| AerCap Global Aviation Corp BondUS00773HAA59 | View |
Understand Community Bank's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing Community Bank's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | (0.06) | |||
| Market Risk Adjusted Performance | (0.12) | |||
| Mean Deviation | 1.3 | |||
| Coefficient Of Variation | (1,278) | |||
| Standard Deviation | 1.82 | |||
| Variance | 3.31 | |||
| Information Ratio | (0.09) | |||
| Jensen Alpha | (0.16) | |||
| Total Risk Alpha | (0.16) | |||
| Treynor Ratio | (0.13) | |||
| Maximum Drawdown | 8.75 | |||
| Value At Risk | (3.43) | |||
| Potential Upside | 2.89 | |||
| Skewness | (0.88) | |||
| Kurtosis | 2.11 |
| Risk Adjusted Performance | (0.06) | |||
| Market Risk Adjusted Performance | (0.12) | |||
| Mean Deviation | 1.3 | |||
| Coefficient Of Variation | (1,278) | |||
| Standard Deviation | 1.82 | |||
| Variance | 3.31 | |||
| Information Ratio | (0.09) | |||
| Jensen Alpha | (0.16) | |||
| Total Risk Alpha | (0.16) | |||
| Treynor Ratio | (0.13) | |||
| Maximum Drawdown | 8.75 | |||
| Value At Risk | (3.43) | |||
| Potential Upside | 2.89 | |||
| Skewness | (0.88) | |||
| Kurtosis | 2.11 |
Consider Community Bank's intraday indicators
Community Bank intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Community Bank stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
| Accumulation Distribution | 2309.05 | |||
| Daily Balance Of Power | (0.04) | |||
| Rate Of Daily Change | 1.0 | |||
| Day Median Price | 58.29 | |||
| Day Typical Price | 58.28 | |||
| Price Action Indicator | (0.03) | |||
| Period Momentum Indicator | (0.03) | |||
| Relative Strength Index | 40.75 |
Community Bank Corporate Filings
F4 | 20th of March 2025 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
8K | 11th of March 2025 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
10K | 28th of February 2025 Annual report required by the U.S. Securities and Exchange Commission (SEC) of a company financial performance | ViewVerify |
| 15th of November 2024 Other Reports | ViewVerify |
Community Stock media impact
Far too much social signal, news, headlines, and media speculation about Community Bank that are available to investors today. That information is available publicly through Community media outlets and privately through word of mouth or via Community internal channels. However, regardless of the origin, that massive amount of Community data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of Community Bank news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Community Bank relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Community Bank's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Community Bank alpha.
Community Bank Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards Community Bank can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
Community Bank System Historical Investor Sentiment
Investor biases related to Community Bank's public news can be used to forecast risks associated with an investment in Community. The trend in average sentiment can be used to explain how an investor holding Community can time the market purely based on public headlines and social activities around Community Bank System. Please note that most equities that are difficult to arbitrage are affected by market sentiment the most.
Community Bank's market sentiment shows the aggregated news analyzed to detect positive and negative mentions from the text and comments. The data is normalized to provide daily scores for Community Bank and other traded tickers. The bigger the bubble, the more accurate the estimated score. Higher bars for a given day show more participation in the average Community Bank news discussions. The higher the estimate score, the more favorable the investor's outlook on Community Bank.
Community Bank Corporate Directors
| Eric Stickels | Independent Director | Profile | |
| John Whipple | Lead Independent Director | Profile | |
| Brian Ace | Independent Director | Profile | |
| Raymond Pecor | Independent Director | Profile |
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.