At this time, the firm appears to be undervalued. Community Bank System shows a prevailing Real Value of $67.14 per share. The current price of the firm is $63.12. Our model approximates the value of Community Bank System from analyzing the firm fundamentals such as Return On Equity of 0.11, current valuation of 4.13 B, and Profit Margin of 0.25 % as well as examining its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Community Bank's valuation include:
Price Book
1.8784
Enterprise Value
4.1 B
Price Sales
4.5954
Forward PE
14.8588
Trailing PE
18.2986
Undervalued
Today 63.12
Please note that Community Bank's price fluctuation is very steady at this time. Calculation of the real value of Community Bank System is based on 3 months time horizon. Increasing Community Bank's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Community Bank's intrinsic value may or may not be the same as its current market price of 63.12, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value.
Historical
Market 63.12
Real 67.14
Target 70.67
Hype 63.34
Naive 62.35
The intrinsic value of Community Bank's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence Community Bank's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of Community Bank System helps investors to forecast how Community stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Community Bank more accurately as focusing exclusively on Community Bank's fundamentals will not take into account other important factors:
Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Community Bank's intrinsic value based on its ongoing forecasts of Community Bank's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Community Bank's closest peers.
Community Bank Cash
253.94 Million
Community Valuation Trend
Community Bank's real value is important for investors to make better decisions and a more accurate overall view of Community Bank's financial worth over time. Using both Community Bank's enterprise value as well as its market capitalization is the best way to gauge the value of the company and is usually enough for investors to make market timing conclusions.
Community Revenue by Product
Community Bank Total Value Analysis
Community Bank System is currently forecasted to have company total value of 4.13 B with market capitalization of 3.32 B, debt of 460.6 M, and cash on hands of 247.39 M. Please note that company total value may be misleading and is a subject to accounting gimmicks. We encourage investors to carefully check all of the Community Bank fundamentals before making security assessment based on enterprise value of the company
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 1.88. 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. Community Bank System may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter.
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 4.12 percent. This implies that the Company is making $0.0412 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.
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Community Bank Ownership Allocation
Community Bank holds a total of 52.67 Million outstanding shares. The majority of Community Bank System outstanding shares are owned by other corporate entities. These outside corporations are usually referred to as non-private investors looking to acquire positions in Community Bank System to benefit from reduced commissions. Consequently, institutional investors are subject to a different set of regulations than regular investors in Community Bank. Please pay attention to any change in the institutional holdings of Community Bank System as this could imply that something significant has changed or is about to change at the company. Please note that no matter how many assets the company secures, if the real value of the firm is less than the current market value, you may not be able to make money on it.
Community Bank Profitability Analysis
The company reported the last year's revenue of 640.67 M. Total Income to common stockholders was 131.48 M with profit before taxes, overhead, and interest of 723.53 M.
The stock valuation mechanism determines Community Bank's current worth on a daily basis. In general, an absolute valuation approach attempts to find the value of Community Bank System based exclusively on its fundamental and basic technical indicators. As compared to an absolute model, our relative valuation model uses a comparative analysis of Community Bank. We calculate exposure to Community Bank's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Community Bank's related companies.
Community Bank's stock price is the clearest measure of market expectations about its performance. Without stock valuation, investors cannot independently discern whether Community Bank's value is low or high relative to the company's performance and growth projections. Determining the market value of Community Bank can be done in different ways, such as multiplying its stock price by its outstanding shares.
A single share of Community Bank represents a small ownership stake in the entity. As a stockholder of Community, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
There are various types of dividends Community Bank can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Community shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Community Bank System directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Community pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Community Bank by the value of the dividends paid out.
Community Bank Growth Indicators
Investing in growth stocks can be very risky. If the company such as Community Bank does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
Common Stock Shares Outstanding
53.7 M
Quarterly Earnings Growth Y O Y
0.509
Forward Price Earnings
14.8588
Community Bank Current Valuation Indicators
Community Bank's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final Community Bank's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Community Bank, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Community Bank's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Community Bank's worth.
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.