Community Bank System, Inc. (CBU) is a Banks - Regional company in the Financial Services sector, currently trading at $61.99. It has a SharesGrow Score of 65/100, indicating a above average investment profile with 4 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of CBU = $80.85 (+30.4% from the current price, the stock appears undervalued). Analyst consensus target is CBU = $62 (+0% upside).
Valuation: CBU trades at a trailing Price-to-Earnings (P/E) of 16.4 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 1.17.
Financials: revenue is $929M, +10.3%/yr average growth. Net income is $210M, growing at +7.9%/yr. Net profit margin is 22.7% (strong). Gross margin is 73.4% (-21.2 pp trend).
Balance sheet: total debt is $747M against $2.0B equity (Debt-to-Equity (D/E) ratio 0.37, conservative). Current ratio is 1.49 (adequate). Debt-to-assets is 4.3%. Total assets: $17.4B.
Analyst outlook: 2 / 12 analysts rate CBU as buy (17%) — mixed sentiment.
SharesGrow 7-Criteria breakdown: Value 60/100 (Pass), Growth 73/100 (Pass), Past 100/100 (Pass), Health 50/100 (Partial), Moat 55/100 (Partial), Future 34/100 (Fail), Income 85/100 (Pass).
