Community Bank System (NYSE: CBU) is one of 326 public companies in the “Banks” industry, but how does it compare to its competitors? We will compare Community Bank System to similar businesses based on the strength of its dividends, valuation, profitability, institutional ownership, earnings, analyst recommendations and risk.

Dividends

Community Bank System pays an annual dividend of $1.36 per share and has a dividend yield of 2.5%. Community Bank System pays out 64.2% of its earnings in the form of a dividend. As a group, “Banks” companies pay a dividend yield of 2.1% and pay out 36.8% of their earnings in the form of a dividend. Community Bank System has increased its dividend for 6 consecutive years.

Earnings and Valuation

This table compares Community Bank System and its competitors gross revenue, earnings per share and valuation.

Gross Revenue EBITDA Price/Earnings Ratio
Community Bank System $448.81 million N/A 25.29
Community Bank System Competitors N/A N/A 18.50

Community Bank System is trading at a higher price-to-earnings ratio than its competitors, indicating that it is currently more expensive than other companies in its industry.

Institutional & Insider Ownership

69.0% of Community Bank System shares are owned by institutional investors. Comparatively, 52.6% of shares of all “Banks” companies are owned by institutional investors. 3.2% of Community Bank System shares are owned by company insiders. Comparatively, 10.5% of shares of all “Banks” companies are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Analyst Recommendations

This is a breakdown of current ratings for Community Bank System and its competitors, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Community Bank System 1 4 0 0 1.80
Community Bank System Competitors 2628 8989 8544 393 2.33

Community Bank System currently has a consensus target price of $54.00, indicating a potential upside of 0.71%. As a group, “Banks” companies have a potential downside of 4.46%. Given Community Bank System’s higher probable upside, equities analysts clearly believe Community Bank System is more favorable than its competitors.

Volatility and Risk

Community Bank System has a beta of 1.09, indicating that its share price is 9% more volatile than the S&P 500. Comparatively, Community Bank System’s competitors have a beta of 0.78, indicating that their average share price is 22% less volatile than the S&P 500.

Profitability

This table compares Community Bank System and its competitors’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Community Bank System 20.63% 9.04% 1.29%
Community Bank System Competitors 18.75% 8.81% 0.94%

Summary

Community Bank System beats its competitors on 9 of the 14 factors compared.

About Community Bank System

Community Bank System, Inc. is a bank holding company. The Company owns two subsidiaries: Community Bank, N.A. (CBNA or the Bank) and Benefit Plans Administrative Services, Inc. (BPAS). It operates in three segments: banking, employee benefit services, and All Other. The Banking segment provides lending and depository-related products and services to individuals, businesses and municipal enterprises. The Employee benefit services segment, consisting of BPAS and its subsidiaries, provides employee benefit trust services; collective investment fund; actuarial services, and healthcare consulting services. The All Other segment consists of wealth management services, including trust services provided by the personal trust unit within the Bank, broker-dealer and investment advisory services provided by Community Investment Services, Inc. (CISI), Oneida Wealth Management, Inc. (OWM) and The Carta Group, Inc, and asset management provided by Nottingham Advisors, Inc.

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