Community Bank System, Inc. (CBU)

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The chart shows the growth of an initial investment of $10,000 in Community Bank System, Inc., comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.

Community Bank System, Inc. (CBU) has returned 2.95% so far this year and 6.50% over the past 12 months. Over the last ten years, CBU has returned 7.30% per year, falling short of the S&P 500 Index benchmark, which averaged 12.16% annually.

Based on dividend-adjusted daily data since Nov 27, 1985, CBU's average daily return is +0.06%, while the average monthly return is +1.14%. At this rate, your investment would double in approximately 5.1 years.

Historically, 53% of months were positive and 47% were negative. The best month was Feb 1991 with a return of +35.5%, while the worst month was Jan 2009 at -26.4%. The longest winning streak lasted 8 consecutive months, and the longest losing streak was 6 months.

On a daily basis, CBU closed higher 43% of trading days. The best single day was Oct 30, 1987 with a return of +18.0%, while the worst single day was Mar 20, 2020 at -14.5%.

Community Bank System, Inc. has an annualized alpha of 9.18%, beta of 0.73, and R² of 0.15 versus S&P 500 Index. Calculated based on daily prices since November 29, 1985.

• This stock participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (67.83%) than losses (50.60%) — typical of diversified or defensive assets.
• R² of 0.15 means this stock moves largely independently of S&P 500 Index — capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

CBU ranks 47 for risk / return — on par with similar stocks. You're getting a typical balance of risk and reward. Not a standout, but not a red flag either — a reasonable choice if other factors align with your goals.

The table below present risk-adjusted performance metrics for Community Bank System, Inc. (CBU) and compare them to a chosen benchmark (S&P 500 Index).

Community Bank System, Inc. provided a 3.19% dividend yield over the last twelve months, with an annual payout of $1.87 per share. The company has been increasing its dividends for 38 consecutive years, earning it the status of a dividend aristocrat.

The table displays the monthly dividend distributions for Community Bank System, Inc.. The dividends shown in the table have been adjusted to account for any splits that may have occurred.

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.

The table below displays the maximum drawdowns of the Community Bank System, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the Community Bank System, Inc. was 61.07%, occurring on Jan 9, 1991. Recovery took 300 trading sessions.

The current Community Bank System, Inc. drawdown is 16.85%.

The chart below shows the rolling one-month volatility.

The chart below illustrates the trends in the financial health of Community Bank System, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.

The Valuation section provides an overview of how Community Bank System, Inc. is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.