Comparing Community Bank System and Meridian: A Comprehensive Survey
January 14, 2023
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CBU Stock Fair Value – Community Bank System ($NYSE:CBU) Inc. (NYSE: CBU) is a financial services company that offers banking, insurance, trust, and investment services in the United States. The company’s mission is to “help customers achieve financial success through innovative products and services.” A comparative analysis of Community Bank System and Meridian: a head-to-head survey provides an in-depth comparison between the two companies.
In terms of customer service, Community Bank System offers a wide range of services such as online banking, mobile banking, card services, and wealth management services. On the other hand, Meridian offers limited services such as traditional banking, loan services, and investment services. On the other hand, Meridian is a relatively small bank with limited services but still has potential for growth in the future.
Price History
On Thursday, Community Bank System stock opened at $64.2 and closed at $64.4, up by 0.5% from last closing price of 64.1. This indicates that investors are gaining confidence in the bank’s financial stability and prospects. The primary difference between Community Bank System and Meridian lies in their respective sizes. Furthermore, Community Bank System’s larger size allows it to offer more competitive rates on loans and other financial products, which gives customers more options to choose from. In terms of customer service, Meridian has a smaller customer service staff and fewer resources to handle customer inquiries or complaints. On the other hand, Community Bank System has an extensive customer service network with multiple branches, online support, and call centers. This allows customers to get help faster and more conveniently than with Meridian.
When it comes to technology, Community Bank System also has an edge over Meridian. The bank has implemented advanced technologies such as mobile banking and digital wallets, which make it easier for customers to manage their finances on the go. In contrast, Meridian’s technology offerings are more basic, with limited options for those who prefer to do their banking online. While Community Bank System offers more resources and higher customer satisfaction ratings, Meridian’s lower overhead costs can be attractive to some investors. Ultimately, the decision of which bank to choose depends on an individual’s personal preferences and needs. 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 |
| – | 179.01 | – |
Cash Flow Snapshot
Below shows the cash from operations, investing and financing for CBU. More…
| Operations | Investing | Financing |
| 202.55 | -1.53k | 1.56k |
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 |
| 15.59k | 14.13k | – |
Key Ratios Snapshot
Some of the financial key ratios for CBU are shown below. More…
| 3Y Rev Growth | 3Y Operating Profit Growth | Operating Margin |
| 2.9% | – | – |
| FCF Margin | ROE | ROA |
| – | – | – |
VI Analysis – CBU Stock Fair Value
Community Bank System is a company that has long-term potential due to its strong fundamentals. This has been made easier to assess by the VI app, which provides a simplified analysis of the company’s performance. According to the app, the intrinsic value of Community Bank System shares is around $68.5. At the moment, the stock is trading at $64.4, making it a fair price that is slightly undervalued by 6%. This presents a great opportunity for investors who are looking to purchase the stock at a lower price. The company’s financials are solid, with strong cash flows and a healthy balance sheet. The company’s revenue has been increasing steadily over the past few years, and its profits have also been on the rise. It has also experienced a slight growth in its dividend payments, which is a positive sign for long-term investors. In addition, the company has managed to maintain a relatively low debt-to-equity ratio, which indicates that it has been able to manage its debt well. This is important for investors looking for stability and long-term growth. The company has also been able to maintain a good return on equity, making it an attractive option for investors looking for consistent returns. Overall, Community Bank System is an attractive stock for investors looking for stability and long-term growth potential. The fact that its stock is currently undervalued presents a great opportunity for investors to purchase the stock at a discounted price. More…
VI Peers
The competition between Community Bank System Inc and its competitors, Home BancShares Inc, TriCo Bancshares, and Eagle Bancorp Inc, is fierce. These four banking systems are vying for a share of the market, offering competitive products and services to consumers. As the competitive landscape continues to evolve, these companies are working hard to differentiate their offerings and stay ahead of the competition.
– Home BancShares Inc ($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 is an investment analysis platform that provides a comprehensive view of a company’s financial performance. It provides detailed information on cash flow and profitability, as well as key financial ratios, industry comparisons, and more. It also offers a variety of tools for tracking and analyzing investments, such as portfolio optimization and risk management.
Additionally, it features in-depth research and analysis of individual stocks, bonds, and ETFs, providing investors with a comprehensive understanding of the current market conditions. It can be used to identify potential opportunities and make informed decisions about investments.
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