Community Bank System, Inc. operates as the bank holding company for Community Bank, N.A. that provides various banking and other 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 deposit accounts, as well as time deposits. It also provides loans, including consumer mortgages; general purpose commercial and industrial loans, and mortgages on commercial properties; paycheck protection program loans; 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; cash management, investment, and treasury services; asset management; and employee benefit services, as well as operates as a full-service insurance agency that offers personal and commercial lines of insurance, and other risk management products and services. Further, it provides contribution plan administration, employee benefit trust, collective investment fund, retirement plan administration, fund administration, transfer agency, actuarial and benefit consulting, VEBA/HRA, and health and welfare consulting services. Additionally, the company offers wealth management, retirement planning, higher educational planning, fiduciary, risk management, trust, and personal financial planning services; and investment alternatives, including stocks, bonds, mutual funds, and advisory products, as well as master recordkeeping services. As of January 24, 2022, it operated approximately 215 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont, and Western Massachusetts. Community Bank System, Inc. was founded in 1866 and is headquartered in DeWitt, New York.

	Dec '13	Dec '14	Dec '15	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21	Dec '22	Dec '23
revenue	427.61M -	363.45M 15.00%	371.72M 2.28%	429.85M 15.64%	518.10M 20.53%	569.43M 9.91%	589.79M 3.58%	596.40M 1.12%	620.65M 4.07%	679.36M 9.46%	756.03M 11.29%
cost of revenue				326K -	232.50M 71,217.48%	265.47M 14.18%	275.72M 3.86%	283.41M 2.79%	296.79M 4.72%	314.97M 6.12%
gross profit	427.61M -	363.45M 15.00%	371.72M 2.28%	429.52M 15.55%	285.60M 33.51%	303.97M 6.43%	314.07M 3.32%	312.99M 0.35%	323.86M 3.47%	364.39M 12.52%	756.03M 107.48%
selling and marketing expenses	6.82M -	7.13M 4.55%	7.20M 1.11%	7.48M 3.89%	9.99M 33.54%	9.38M 6.11%	11.42M 21.67%	9.46M 17.11%	9.32M 1.52%	13.10M 40.52%	15.73M 20.13%
general and administrative expenses	121.63M -	123.08M 1.19%	126.36M 2.66%	152.77M 20.91%	179.99M 17.82%	207.36M 15.21%	261.32M 26.02%	274.14M 4.90%	292.50M 6.70%	257.34M 12.02%	281.80M 9.51%
selling general and administrative expenses	121.63M -	123.08M 1.19%	126.36M 2.66%	152.77M 20.91%	179.99M 17.82%	207.36M 15.21%	261.32M 26.02%	274.14M 4.90%	292.50M 6.70%	257.34M 12.02%	297.53M 15.62%
research and development expenses
other expenses						-594.61M -	-641.78M 7.93%	-664.46M 3.53%	-671.80M 1.10%	-658.07M 2.04%	-138.03M 79.03%
cost and expenses	13.82M -	14.37M 3.97%	14.02M 2.47%	16.27M 16.04%	254.06M 1,462.04%	-338.77M 233.34%	-380.46M 12.31%	-390.32M 2.59%	-379.30M 2.82%	-400.73M 5.65%	577.73M 244.17%
operating expenses	13.82M -	14.37M 3.97%	14.02M 2.47%	15.94M 13.71%	21.57M 35.33%	-338.77M 1,670.54%	-380.46M 12.31%	-390.32M 2.59%	-379.30M 2.82%	-400.73M 5.65%	138.03M 134.44%
interest expense	26.07M -	11.79M 54.76%	11.20M 5.00%	11.29M 0.79%	13.78M 22.04%	17.68M 28.29%	26.55M 50.20%	20.88M 21.38%	13.01M 37.69%	23.10M 77.58%	15.67M 32.15%
ebitda	154.33M -	159.29M 3.22%	160.62M 0.83%	186.28M 15.98%	207.21M 11.23%	265.02M 27.90%	225.29M 14.99%	220.37M 2.18%	255.40M 15.89%	293.84M 15.05%	14.51M 95.06%
operating income	137.09M -	141.48M 3.20%	143.42M 1.37%	165.89M 15.67%	173.75M 4.74%	230.67M 32.76%	209.34M 9.25%	206.08M 1.56%	241.35M 17.12%	278.63M 15.45%	-12.99M 104.66%
depreciation and amortization	4.47M -	4.29M 4.07%	3.66M 14.56%	5.48M 49.58%	16.94M 209.20%	18.16M 7.17%	15.96M 12.11%	14.30M 10.40%	14.05M 1.72%	15.21M 8.28%	27.50M 80.77%
total other income expenses net	-26.07M -	-11.79M 54.76%	-11.20M 5.00%	-11.29M 0.79%	-13.78M 22.04%	-17.68M 28.29%	121.53M 787.48%	121.28M 0.21%	171.76M 41.63%	-38.31M 122.30%	168.23M 539.12%
income before tax	111.03M -	129.69M 16.81%	132.21M 1.94%	154.60M 16.93%	159.97M 3.47%	212.99M 33.15%	209.34M 1.71%	206.08M 1.56%	241.35M 17.12%	240.31M 0.43%	168.23M 30.00%
income tax expense	32.20M -	38.34M 19.07%	40.99M 6.91%	50.78M 23.91%	9.25M 81.79%	44.35M 379.53%	40.27M 9.18%	41.40M 2.79%	51.65M 24.77%	52.23M 1.12%	36.31M 30.49%
net income	78.83M -	91.35M 15.89%	91.22M 0.14%	103.81M 13.80%	150.72M 45.18%	168.64M 11.89%	169.06M 0.25%	164.68M 2.59%	189.69M 15.19%	188.08M 0.85%	131.92M 29.86%
weighted average shs out	40.22M -	40.78M 1.40%	41.28M 1.21%	44.36M 7.48%	49.09M 10.66%	51.16M 4.22%	51.73M 1.11%	52.97M 2.39%	53.98M 1.90%	53.90M 0.15%	53.60M 0.55%
weighted average shs out dil	40.63M -	41.15M 1.27%	41.65M 1.22%	44.75M 7.43%	49.74M 11.16%	51.75M 4.03%	52.25M 0.97%	53.32M 2.05%	54.40M 2.02%	54.21M 0.35%	53.73M 0.89%
eps	1.96 -	2.24 14.29%	2.21 1.34%	2.34 5.88%	3.07 31.20%	3.30 7.49%	3.26 1.21%	3.10 4.91%	3.51 13.23%	3.48 0.85%	2.45 29.60%
epsdiluted	1.94 -	2.22 14.43%	2.19 1.35%	2.32 5.94%	3.03 30.60%	3.26 7.59%	3.23 0.92%	3.08 4.64%	3.48 12.99%	3.46 0.57%	2.45 29.19%

NYSE:CBU

Community Bank System, Inc.

Last Close

48.31

17/05 20:00

Market Cap

2.60B

Beta: 0.63

Volume Today

175.67K

Avg: 325.32K

PE Ratio

15.86

PFCF: 9.95

Dividend Yield

4.01%

Payout:62.86%