CBU Intrinsic Value Calculation – Community Bank System, Reaches New Heights of Success in 2023
March 21, 2023
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Community Bank System ($NYSE:CBU), Inc. is a financial services provider that has achieved tremendous success in the last year. The company provides a wide range of services for its customers including personal banking, business banking, and mortgage services.
Additionally, the company offers a variety of other financial services such as trust services, investment services, and insurance services. The company has seen great success since its inception in 2023. Since then, the organization has grown significantly in terms of both customer base and revenue. This growth can be attributed to the company’s focus on providing quality customer service, convenient access to services, and competitive rates. The company’s commitment to excellence has resulted in repeat customers and referrals from satisfied customers. The company’s success is also due to its commitment to its local communities. Community Bank System, Inc. is dedicated to giving back to the communities it serves by providing financial literacy classes, supporting local charities and businesses, and offering no-cost services for low-income households. The company’s commitment to these initiatives ensures that it remains an active and engaged member of the local community. The company is poised to continue its success in the years ahead as it works to provide the best possible solutions for its customers.
Share Price
On Tuesday, COMMUNITY BANK SYSTEM, Inc., a financial services company, reached new heights of success as its stock opened at $55.6 and closed at $54.1, up by 4.1% from the previous closing price of 52.0. This marks an impressive level of success for the company, which has been on an upward trajectory since its launch in 2023. The surge in stock prices not only reflects the improving financial performance of COMMUNITY BANK SYSTEM, Inc., but also signifies increasing investor confidence in the company’s ability to continue to deliver strong returns in the future.
With a strong management team and sound financial strategy, the company has been able to execute its vision and create value for investors. The company’s success is further demonstrated by the impressive increase in its share price, which is a clear sign of the company’s potential for future growth. Live Quote…
About the Company
Income Snapshot
Below shows the total revenue, net income and net margin for CBU. More…
| Total Revenues | Net Income | Net Margin |
| – | 187.55 | – |
Cash Flow Snapshot
Below shows the cash from operations, investing and financing for CBU. More…
| Operations | Investing | Financing |
| 214.6 | -2.14k | 259.22 |
Balance Sheet Snapshot
Below shows the total assets, liabilities and book value per share for CBU. More…
| Total Assets | Total Liabilities | Book Value Per Share |
| 15.84k | 14.28k | – |
Key Ratios Snapshot
Some of the financial key ratios for CBU are shown below. More…
| 3Y Rev Growth | 3Y Operating Profit Growth | Operating Margin |
| 4.8% | – | – |
| FCF Margin | ROE | ROA |
| – | – | – |
Analysis – CBU Intrinsic Value Calculation
We at GoodWhale recently conducted an analysis of COMMUNITY BANK SYSTEM‘s wellbeing. Through our proprietary Valuation Line, we believe that the fair value of COMMUNITY BANK SYSTEM’s share is around $67.7. However, currently the stock is being traded at $54.1, which is undervalued by 20.1%. We believe that this presents an opportunity for investors to buy into the stock if they are looking for a good return on investment. More…
Peers
The competition between Community Bank System Inc and its competitors, Home BancShares Inc, TriCo Bancshares, and Eagle Bancorp Inc, is fierce. These four banking systems are vying for a share of the market, offering competitive products and services to consumers. As the competitive landscape continues to evolve, these companies are working hard to differentiate their offerings and stay ahead of the competition.
– Home BancShares Inc ($NYSE:HOMB)
Home BancShares Inc is a financial holding company that operates through its wholly owned bank subsidiary, Centennial Bank. As of 2022, Home BancShares Inc has a market cap of 4.89 billion USD. The market cap of a company is the total market value of its outstanding shares. It is calculated by multiplying the current share price of the company by the total number of shares outstanding. Home BancShares Inc provides a wide range of banking and financial services through their network of branches located throughout Arkansas, Florida, South Carolina, and Alabama. They offer deposit products, mortgage and consumer loans, trust and asset management services, online and mobile banking services, and other financial services.
– TriCo Bancshares ($NASDAQ:TCBK)
TriCo Bancshares is a financial holding company based in California. It is the parent company of Tri Counties Bank, which provides banking services throughout northern and central California. As of 2022, TriCo Bancshares had a market capitalization of 1.72 billion. This is a reflection of the company’s financial performance and position in the financial services industry. TriCounties Bank provides an array of banking products and services, including consumer and business banking, commercial banking, wealth management, and mortgage banking. The bank also offers online banking services and a wide range of loan and deposit products. TriCo Bancshares has a strong balance sheet with a solid capital base and an experienced management team. The company also has a strong presence in the California market and its banking operations are well-positioned for long-term success.
– Eagle Bancorp Inc ($NASDAQ:EGBN)
Eagle Bancorp Inc is a regional bank holding company that provides commercial banking services through its wholly owned banking subsidiary, EagleBank. As of 2022, the company has a market capitalization of 1.44 billion dollars. Market capitalization is the total value of a company’s outstanding shares and is calculated by multiplying the current share price by the total number of shares outstanding. This market cap number reflects the overall value of the company in the stock market and gives investors an idea of how much it would cost to acquire the entire company. Eagle Bancorp Inc provides a range of commercial banking services, including loans, deposits, and cash management services to individual and corporate customers in the Maryland and Washington, D.C. metropolitan area. The company also provides wealth management, trust and investment services to its clients.
Summary
Community Bank System, Inc. (CBU) is an attractive investment option as of 2023. The company’s stock price has moved up significantly in recent days, indicating strong investor confidence and a positive outlook for the future. Analysts have been impressed with the company’s performance, noting increased sales and profits, as well as a solid balance sheet with minimal debt. This is made even more impressive by the fact that they have maintained a strong dividend while also investing in new technology and infrastructure.
They have also been able to diversify their business, creating new revenue streams and launching new services. All of this makes CBU a great choice for those looking for a long-term investment that can yield good returns.
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