CBU Stock Intrinsic Value – Analysts Issue ‘Hold’ Rating for Community Bank System, Shares

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Community Bank System ($NYSE:CBU), Inc. is a financial services company based in DeWitt, New York. It offers a variety of products and services including banking, insurance, financial planning, trust and investment services, and mortgage banking. Analysts have recently issued a “Hold” rating for Community Bank System, Inc.’s shares.

Overall, analysts have an optimistic but cautious view of Community Bank System, Inc.’s stock. For investors looking for moderate but steady returns, this “Hold” rating may be appropriate.

Stock Price

Shares of the company opened at $49.8 and closed at $50.6, up by 2.2% from the last closing price of 49.5. This indicates a positive sentiment from investors towards the stock. The analysts suggest that with the current market conditions, investors should hold on to their existing Community Bank System shares rather than buying new ones. The company has seen its share price rise steadily since the start of the year and analysts seem to be optimistic about the future performance of the stock. Live Quote…

About the Company

Income Snapshot

Below shows the total revenue, net income and net margin for CBU. More…

Cash Flow Snapshot

Below shows the cash from operations, investing and financing for CBU. More…

Balance Sheet Snapshot

Below shows the total assets, liabilities and book value per share for CBU. More…

Key Ratios Snapshot

Some of the financial key ratios for CBU are shown below. More…

Analysis – CBU Stock Intrinsic Value

At GoodWhale, we have conducted an analysis of the fundamentals of COMMUNITY BANK SYSTEM to come up with an intrinsic value estimate of around $67.5. This value was derived using our proprietary Valuation Line to ensure accuracy and reliability. Currently, the stock is being traded at $50.6, which implies that it is undervalued by 25.0%. Therefore, in our opinion, this could be a good investment opportunity for those looking to capitalize on the mispricing. 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

Investing analysis on Community Bank System, Inc. (CBU) has been generally positive, with eight research firms giving the company an average rating of “Hold”. The analysts have noted that while CBU has not been able to produce significant gains or losses during the past year, it does have strong fundamentals and reliable dividend payments. CBU has a strong balance sheet, with a low level of debt and considerable cash reserves. Its return on equity is good and management is executing initiatives to create value for shareholders.