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Market Price

78.22 

-0.14 -0.2%

as of Apr 12 '21

52 Week Range:

49.60 82.54


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Community Bank System, Inc. operates as the bank holding company for Community Bank, N.A. that provides various banking and financial services to retail, commercial, and municipal customers. It operates through three segments: Banking, Employee Benefit Services, and All Other. The company offers various deposits products, such as checking, savings, and money market accounts, as well as time deposits. It also provides loans comprising consumer mortgages; general purpose commercial and industrial loans, and mortgages on commercial properties; installment loans that are originated through selected dealerships and are secured by automobiles, marine, and other recreational vehicles; personal installment loans and lines of credit for consumers; and home equity products. In addition, the company offers broker-dealer and investment advisory services; and asset management services to individuals, corporations, corporate pension and profit sharing plans, and foundations, as well as operates as a full-service insurance agency that offers personal and commercial property insurance, and other risk management products and services. Further, it offers contribution plan administration services, actuarial and benefits consulting services, and collective investment fund administration and institutional trust services, as well as employee benefit trust, retirement plan administration, VEBA/HRA, and health and welfare consulting services. Additionally, the company provides wealth management, higher educational planning, fiduciary, risk management, and personal financial planning services; and investment alternatives, including stocks, bonds, mutual funds, and advisory products, as well as transfer agency and master recordkeeping services. As of December 31, 2017, it had 225 branches in Upstate New York as well as Northeastern Pennsylvania, Vermont, and Western Massachusetts. Community Bank System, Inc. was founded in 1866 and is headquartered in DeWitt, New York.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Equity (BVPS) 18.23
20.43
22.78
21.41
23.70
23.87
27.92
31.43
32.55
35.53
39.16
growth rate 12.1% 11.5% -6.0% 10.7% 0.7% 17.0% 12.6% 3.6% 9.2% 10.2%
Earnings BIT 86.39
103.53
108.81
111.03
133.29
136.45
158.56
165.71
108.40
98.40
89.09
growth rate 19.8% 5.1% 2.0% 20.1% 2.4% 16.2% 4.5% -34.6% -9.2% -9.5%
Avg.PE 14.60
13.76
14.18
20.49
15.82
17.74
25.35
17.59
16.49
16.49
16.49
growth rate -5.8% 3.1% 44.5% -22.8% 12.1% 42.9% -30.6% -6.3% 0.0% 0.0%
ROA 1.17
1.23
1.10
1.08
1.25
1.13
1.20
1.55
1.57
1.53
1.30
growth rate 5.1% -10.6% -1.8% 15.7% -9.6% 6.2% 29.2% 1.3% -2.6% -15.0%
ROE 10.80
10.59
9.13
8.86
9.75
8.53
8.83
10.60
10.03
9.45
8.29
growth rate -1.9% -13.8% -3.0% 10.1% -12.5% 3.5% 20.1% -5.4% -5.8% -12.3%
ROIC 7.84
7.67
6.75
6.79
7.79
growth rate -2.2% -12.0% 0.6% 14.7%
Leverage 8.97
8.38
8.30
8.10
7.58
7.50
7.23
6.57
6.19
6.15
6.62
growth rate -6.6% -1.0% -2.4% -6.4% -1.1% -3.6% -9.1% -5.8% -0.7% 7.6%
Balance Sheet Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Acct.Receivable 28.58
32.31
25.48
24.65
25.90
31.09
36.18
growth rate 13.0% -21.1% -3.3% 5.1% 20.0% 16.4%
Acct.Payable 88.12
135.85
80.00
5,935.26
6,873.47
7,075.95
8,444.42
8,322.37
8,994.97
11,224.97
growth rate 54.2% -41.1% 7,319.3% 15.8% 3.0% 19.3% -1.5% 8.1% 24.8%
Cur.Assets 166.12
182.25
209.33
263.46
211.83
205.48
1,647.87
growth rate 9.7% 14.9% 25.9% -19.6% -3.0% 702.0%
Total Assets 5,444.50
6,488.28
7,496.80
7,095.86
7,489.44
8,552.67
8,666.44
10,746.20
10,607.30
11,410.29
13,931.09
growth rate 19.2% 15.5% -5.4% 5.6% 14.2% 1.3% 24.0% -1.3% 7.6% 22.1%
Cash 211.80
2,476.25
3,047.09
2,368.37
138.40
153.21
173.86
221.04
211.83
205.03
1,645.81
growth rate 1,069.1% 23.1% -22.3% -94.2% 10.7% 13.5% 27.1% -4.2% -3.2% 702.7%
Inventory 1.86
2.09
1.97
1.92
1.32
1.27
0.88
growth rate 12.6% -5.8% -2.6% -31.1% -3.8% -30.5%
Cur.Liabilities 6,320.87
7,229.64
7,279.76
8,904.34
259.37
241.71
284.01
growth rate 14.4% 0.7% 22.3% -97.1% -6.8% 17.5%
Liabilities 4,837.20
5,713.69
6,594.02
6,220.05
6,501.54
7,412.02
7,468.34
9,110.88
8,893.51
9,555.06
11,826.99
growth rate 18.1% 15.4% -5.7% 4.5% 14.0% 0.8% 22.0% -2.4% 7.4% 23.8%
LT Debt 2,010.00
2,011.00
2,012.00
2,013.00
102.12
102.15
102.17
124.89
99.92
94.87
82.61
growth rate 0.1% 0.1% 0.1% -94.9% 0.0% 0.0% 22.2% -20.0% -5.1% -12.9%
Equity 607.30
774.58
902.78
875.81
987.90
1,140.65
1,198.10
1,635.32
1,713.78
1,855.23
2,104.11
growth rate 27.6% 16.6% -3.0% 12.8% 15.5% 5.0% 36.5% 4.8% 8.3% 13.4%
Common Shares 33.00
36.00
40.00
41.00
41.00
41.00
44.00
49.00
51.26
51.79
53.59
growth rate 9.1% 11.1% 2.5% 0.0% 0.0% 7.3% 11.4% 4.6% 1.1% 3.5%
Cash Flow Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Capital Expenditures 15.70
9.61
10.85
13.86
13.38
12.40
12.44
10.82
12.65
5.69
14.40
growth rate -38.8% 12.8% 27.7% -3.5% -7.3% 0.3% -13.0% 16.9% -55.0% 153.2%
Cash Dividends 30.40
34.40
40.77
43.48
46.18
49.27
55.05
62.31
-71.50
-80.24
-87.13
growth rate 13.2% 18.5% 6.7% 6.2% 6.7% 11.7% 13.2% -100.0% 0.0% 0.0%
Cash From OA 97.10
94.38
108.42
103.18
122.10
119.57
135.77
189.67
221.41
202.50
179.48
growth rate -2.8% 14.9% -4.8% 18.3% -2.1% 13.6% 39.7% 16.7% -8.5% -11.4%
FCF per Share 2.45
2.70
2.46
1.92
2.66
2.41
2.83
3.22
3.98
3.34
3.60
growth rate 10.2% -8.9% -22.0% 38.5% -9.4% 17.4% 13.8% 23.6% -16.1% 7.8%
Sale Purchase of Stock 5.35
64.15
15.24
10.95
26.35
19.43
14.62
growth rate 1,098.8% -76.2% -28.2% 140.6% -26.2% -24.7%
FCF 81.00
88.00
98.00
89.00
110.00
104.00
119.00
179.00
209.00
197.00
165.00
growth rate 8.6% 11.4% -9.2% 23.6% -5.5% 14.4% 50.4% 16.8% -5.7% -16.2%
Income Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Sales 270.50
360.19
380.65
366.34
356.27
365.27
421.45
507.11
558.28
581.36
582.61
growth rate 33.2% 5.7% -3.8% -2.8% 2.5% 15.4% 20.3% 10.1% 4.1% 0.2%
Op.Income 86.40
73.14
77.07
78.83
140.80
146.88
161.78
202.89
108.40
98.40
89.09
growth rate -15.3% 5.4% 2.3% 78.6% 4.3% 10.2% 25.4% -46.6% -9.2% -9.5%
IBT 86.39
103.53
108.81
111.03
129.69
132.22
154.60
159.97
212.99
209.34
206.08
growth rate 19.8% 5.1% 2.0% 16.8% 2.0% 16.9% 3.5% 33.2% -1.7% -1.6%
Net Income 63.30
73.14
77.07
78.83
91.35
91.23
103.81
150.72
168.64
169.06
164.68
growth rate 15.6% 5.4% 2.3% 15.9% -0.1% 13.8% 45.2% 11.9% 0.3% -2.6%
EPS 1.89
2.01
1.93
1.94
2.22
2.19
2.32
3.03
3.24
3.23
3.08
growth rate 6.4% -4.0% 0.5% 14.4% -1.4% 5.9% 30.6% 6.9% -0.3% -4.6%
Gross Profit 356.27
365.27
421.45
507.11
557.83
580.99
582.23
growth rate 2.5% 15.4% 20.3% 10.0% 4.2% 0.2%

Quarterly Statements

Item Name Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Earnings BIT 17.80
22.52
19.03
22.88
24.67
growth rate 26.5% -15.5% 20.2% 7.8%
Balance Sheet Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Acct.Receivable
growth rate
Acct.Payable 8,994.97
9,303.98
10,846.67
11,120.59
11,224.97
growth rate 3.4% 16.6% 2.5% 0.9%
Cur.Assets 205.48
533.03
1,325.83
1,845.10
1,647.87
growth rate 159.4% 148.7% 39.2% -10.7%
Total Assets 11,410.29
11,808.98
13,444.22
13,845.32
13,931.09
growth rate 3.5% 13.9% 3.0% 0.6%
Cash 205.03
529.34
1,319.88
1,836.52
1,645.81
growth rate 158.2% 149.4% 39.1% -10.4%
Inventory 1.27
1.47
3.19
1.21
0.88
growth rate 15.7% 116.9% -62.1% -27.0%
Cur.Liabilities 241.71
204.99
168.49
280.77
284.01
growth rate -15.2% -17.8% 66.6% 1.2%
Liabilities 9,555.06
9,832.35
11,362.90
11,746.67
11,826.99
growth rate 2.9% 15.6% 3.4% 0.7%
LT Debt 93.87
94.82
100.84
98.74
82.61
growth rate 1.0% 6.4% -2.1% -16.3%
Equity 1,855.23
1,976.63
2,081.32
2,098.66
2,104.11
growth rate 6.5% 5.3% 0.8% 0.3%
Common Shares 52.52
52.03
53.51
53.54
53.59
growth rate -0.9% 2.9% 0.0% 0.1%
Cash Flow Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Capital Expenditures 0.66
3.02
1.62
4.09
5.67
growth rate 356.9% -46.3% 152.1% 38.7%
Cash Dividends -21.23
-21.27
-21.34
-21.98
-22.54
growth rate 0.0% 0.0% 0.0% 0.0%
Cash From OA 73.52
26.69
68.66
29.88
54.25
growth rate -63.7% 157.2% -56.5% 81.5%
Sale Purchase of Stock
growth rate
FCF 72.86
23.67
67.04
25.80
48.58
growth rate -67.5% 183.2% -61.5% 88.3%
Income Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Sales 147.01
143.08
135.12
150.68
153.73
growth rate -2.7% -5.6% 11.5% 2.0%
Op.Income 17.80
22.52
19.03
22.88
24.67
growth rate 26.5% -15.5% 20.2% 7.8%
IBT 51.74
49.42
44.21
53.71
58.73
growth rate -4.5% -10.5% 21.5% 9.3%
Net Income 42.88
40.13
35.25
42.81
46.49
growth rate -6.4% -12.2% 21.5% 8.6%
EPS
growth rate
Gross Profit 146.91
143.00
135.12
150.58
153.62
growth rate -2.7% -5.5% 11.5% 2.0%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (44.27)

YOY Growth Grade:

D (42.19)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 16.49 21.12 18.91
EPS / Growth 4.3% 3.70 10.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 12.4%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 4.3% 8.9% 8.9%
Future PE 8.62 17.73 17.73
Future EPS 5.65 8.69 8.69
Value Price
MOS %
12.04
-84.6%
38.08
-51.3%
38.08
-51.3%
MOS Price 6.02 19.04 19.04
IRT 14.86 11.75 11.75

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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