Community Bank System Stock Buy Hold or Sell Recommendation
| CBU Stock | USD 69.23 0.37 0.53% |
Considering the 90-day investment horizon and your above-average risk tolerance, our recommendation regarding Community Bank System is 'Strong Hold'. A buy or sell recommendation provided by Macroaxis is an automated directive regarding whether to purchase or sell Community Bank System given historical horizon and risk tolerance towards Community Bank. When Macroaxis issues a 'buy' or 'sell' recommendation for Community Bank System, the advice is generated through an automated system that utilizes algorithms and statistical models.
Check out Community Bank Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. Note, we conduct extensive research on individual companies such as Community and provide practical buy, sell, or hold advice based on investors' constraints. Community Bank System. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.
Community |
Execute Community Bank Buy or Sell Advice
The Community recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on Community Bank System. Macroaxis does not own or have any residual interests in Community Bank System or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute Community Bank's advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Strong Hold
Market Performance | OK | Details | |
Volatility | Very steady | Details | |
Hype Condition | Over hyped | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Hyperactively responds to market trends | Details | |
Investor Sentiment | Alarmed | Details | |
Analyst Consensus | Buy | Details | |
Financial Strenth (F Score) | Strong | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Community Bank Trading Alerts and Improvement Suggestions
| Community Bank has a strong financial position based on the latest SEC filings | |
| About 73.0% of the company shares are held by institutions such as insurance companies | |
| On 10th of October 2024 Community Bank paid $ 0.46 per share dividend to its current shareholders | |
| Latest headline from gurufocus.com: Director John Whipple Sells Shares of Community Financial System Inc |
Community Bank Returns Distribution Density
The distribution of Community Bank's historical returns is an attempt to chart the uncertainty of Community Bank's future price movements. The chart of the probability distribution of Community Bank daily returns describes the distribution of returns around its average expected value. We use Community Bank System price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of Community Bank returns is essential to provide solid investment advice for Community Bank.
| Mean Return | 0.23 | Value At Risk | -2.97 | Potential Upside | 2.99 | Standard Deviation | 2.57 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of Community Bank historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
Community Stock Institutional Investors
The Community Bank's institutional investors refer to entities that pool money to purchase Community Bank's securities or originate loans. These institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds.
| 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 Bank Cash Flow Accounts
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Change In Cash | (6.8M) | 1.4B | 229.3M | (1.7B) | (18.9M) | (18.0M) | |
| Free Cash Flow | 196.8M | 165.1M | 189.4M | 201.7M | 209.8M | 220.3M | |
| Depreciation | 32.2M | 30.6M | 30.2M | 30.4M | 28.4M | 16.9M | |
| Other Non Cash Items | (4.3M) | (3.0M) | (33.7M) | (6.7M) | 65.7M | 69.0M | |
| Dividends Paid | 80.2M | 87.1M | 91.1M | 93.4M | 95.1M | 99.9M | |
| Capital Expenditures | 5.7M | 14.4M | 13.2M | 12.9M | 18.6M | 9.6M | |
| Net Income | 169.1M | 164.7M | 189.7M | 188.1M | 131.5M | 70.4M | |
| End Period Cash Flow | 205.0M | 1.6B | 1.9B | 209.9M | 191.0M | 253.9M | |
| Investments | (148.1M) | (415.5M) | (1.5B) | (2.1B) | 378.8M | 397.8M | |
| Net Borrowings | (64.4M) | 30.9M | 35.9M | 21.8M | 25.1M | 26.4M | |
| Change To Netincome | 4.9M | 16.0M | 3.5M | 21.7M | 19.5M | 23.1M |
Community Bank Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to Community Bank or Banks sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that Community Bank's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a Community stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over Dow Jones | -0.07 | |
β | Beta against Dow Jones | 2.27 | |
σ | Overall volatility | 2.61 | |
Ir | Information ratio | 0.03 |
Community Bank Volatility Alert
Community Bank System has relatively low volatility with skewness of 2.56 and kurtosis of 11.95. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure Community Bank's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact Community Bank's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.Community Bank Fundamentals Vs Peers
Comparing Community Bank's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze Community Bank's direct or indirect competition across all of the common fundamentals between Community Bank and the related equities. This way, we can detect undervalued stocks with similar characteristics as Community Bank or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of Community Bank's fundamental indicators could also be used in its relative valuation, which is a method of valuing Community Bank by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare Community Bank to competition |
| Fundamentals | Community Bank | Peer Average |
| Return On Equity | 0.0996 | -0.31 |
| Return On Asset | 0.0105 | -0.14 |
| Profit Margin | 0.24 % | (1.27) % |
| Operating Margin | 0.33 % | (5.51) % |
| Current Valuation | 4.24 B | 16.62 B |
| Shares Outstanding | 52.56 M | 571.82 M |
| Shares Owned By Insiders | 1.30 % | 10.09 % |
| Shares Owned By Institutions | 72.61 % | 39.21 % |
| Number Of Shares Shorted | 1.25 M | 4.71 M |
| Price To Earning | 19.81 X | 28.72 X |
| Price To Book | 2.04 X | 9.51 X |
| Price To Sales | 5.18 X | 11.42 X |
| Revenue | 640.67 M | 9.43 B |
| Gross Profit | 664.58 M | 27.38 B |
| EBITDA | 195.73 M | 3.9 B |
| Net Income | 131.48 M | 570.98 M |
| Cash And Equivalents | 247.39 M | 2.7 B |
| Cash Per Share | 4.60 X | 5.01 X |
| Total Debt | 460.6 M | 5.32 B |
| Debt To Equity | 0.35 % | 48.70 % |
| Book Value Per Share | 33.97 X | 1.93 K |
| Cash Flow From Operations | 228.42 M | 971.22 M |
| Short Ratio | 4.35 X | 4.00 X |
| Earnings Per Share | 3.13 X | 3.12 X |
| Price To Earnings To Growth | 2.17 X | 4.89 X |
| Target Price | 67.2 | |
| Number Of Employees | 2.69 K | 18.84 K |
| Beta | 0.64 | -0.15 |
| Market Capitalization | 3.66 B | 19.03 B |
| Total Asset | 15.56 B | 29.47 B |
| Retained Earnings | 1.19 B | 9.33 B |
| Annual Yield | 0.03 % | |
| Five Year Return | 2.45 % |
Note: Disposition of 37 shares by John Whipple of Community Bank at 35.36 subject to Rule 16b-3 [view details]
Community Bank Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as Community . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
About Community Bank Buy or Sell Advice
When is the right time to buy or sell Community Bank System? Buying financial instruments such as Community Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.
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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.