CBU
Community Bank System, Inc.
·
$68.85
Extended — don't chase; wait for a pullback过度拉升 — 勿追高；等待回撤
Terminal终端 ↗
Community Bank System, Inc. · Financials
CBU
$68.85
Community Bank, N.A. (CBNA) is a commercial bank in the United States serving customers in Upstate New York, Northeastern Pennsylvania, Lehigh Valley, Vermont and Massachusetts. It is the wholly owned national banking subsidiary of Community Financial System, Inc.社区银行全国协会（CBNA）是一家美国商业银行，服务于纽约上州、宾夕法尼亚州东北部、利哈伊谷、佛蒙特州和马萨诸塞州的客户。它是社区金融系统公司的全资全国性银行子公司。
Financial金融股
Mid cap中盘
$4B
Engine stance引擎立场2026-07-20
Extended — don't chase; wait for a pullback过度拉升 — 勿追高；等待回撤
You missed the bottoming entry — the low already formed and price is now extended (momentum is fading — the daily moment已错过筑底入场——低点已经形成，目前价格已拉伸（动量正在衰竭——日线动量已开始掉头向下）。不要追高；等待回调至 10 日均线或下一个周期低点。若已持有则继续持有。
Key Statistics关键统计
Price价格
$68.85
3.0% below 52-week high低于52周高点 3.0%
Market Cap市值
$4B
Normal volume正常成交量
P/E Ratio市盈率
17.2x
15.0x sector median
Beta贝塔
0.63
Moves about 0.6x the market波动幅度约为市场的 0.6 倍
RSI (14)RSI（14）
59
Neutral zone中性区域
Next Earnings下次财报
2026-07-28 (9d)
Volatility Rank波动率分位
64th pctile
hist. vol. percentile历史波动率分位数
Short Interest空头兴趣
3.6% of float
Performance价格表现
| Period周期 | CBU | S&P 500 | vs Index对比指数 |
|---|---|---|---|
| 1 Week近1周 | +3.1% | -1.5% | Beat the index by 4.6 points跑赢指数 4.6 个百分点 |
| 1 Month近1月 | +12.4% | +0.6% | Beat the index by 11.8 points跑赢指数 11.8 个百分点 |
| 3 Months近3月 | +8.8% | +4.7% | Beat the index by 4.1 points跑赢指数 4.1 个百分点 |
| 6 Months近6月 | +12.4% | +7.8% | Beat the index by 4.6 points跑赢指数 4.6 个百分点 |
| Year to date年初至今 | +19.5% | +9.1% | Beat the index by 10.4 points跑赢指数 10.4 个百分点 |
| 1 Year近1年 | +20.7% | +19.4% | Beat the index by 1.3 points跑赢指数 1.3 个百分点 |
| 3 Years近3年 | +55.8% | +69.4% | Lagged the index by 13.6 points落后指数 13.6 个百分点 |
Technicals技术面
RSI (14)RSI（14）
59
Neutral zone中性区域
vs 50-day相对50日均线
+6.5% vs 50-day avg
vs 200-day相对200日均线
+13.6% vs 200-day avg
Volatility rank波动率分位
64th percentile 分位
Engine reference levels — not advice引擎参考水平 — 非投资建议
Buy zone买入区间
$67.33
Don't chase above不追高于
$68.85
Stop止损
$61.24
Extended — wait for a pullback过度拉伸 — 等待回撤
Earnings财务业绩
9
days until next report天后公布财报
2026-07-28
Estimates being cut预期下调
Earnings call transcripts — coming soon财报电话会议记录 — 即将上线
Valuation估值
| Multiple指标 | CBU | Sector median行业中位 | Cheaper than相对便宜 |
|---|---|---|---|
| P/E (trailing)市盈率（历史） | 17.25x | 14.99 | 35% |
| P/B市净率 | 1.81x | 1.52 | 42% |
| P/S市销率 | 4.44x | 2.87 | 32% |
| Earnings yield盈利收益率 | 5.80% | 6.58 | 38% |
| Shareholder yield股东收益率 | 3.00% | 3.91 | 35% |
Analyst price targets — coming soon分析师目标价 — 即将上线
Financials财务数据
Revenue营业收入
Earnings Per Share每股收益
5yr CAGR5年复合增速: 5.2%
Free Cash Flow自由现金流
Margins利润率
10.5%Return on Equity股本回报率
1.2%Return on Assets资产回报率
Capital Allocation资本配置
| Buybacks (TTM)回购（TTM） | $11.2M |
| Stock-based comp股权薪酬 | $10.9M |
| Share count change (1y)股数变化（1年） | +0.0% |
Piotroski皮奥特罗斯基 5/5
Clean稳健
Snapshot Gauges综合指标
Valuation vs Sector估值相对行业
Roughly fair vs sector相对行业估值合理
Cheaper than 36% of its sector on blended multiples综合估值倍数低于行业内 36% 的公司
Beta市场敏感度
0.63×
0.21×3×
Moves about 0.6× the market波动幅度约为市场的 0.6 倍
Financial Health财务健康
5/5
Adequate financial health财务健康状况一般
Dividend分红
—
Does not pay a dividend不派发股息
Why Is It Moving为何波动
Macro宏观
Short-duration name into a restrictive, rising-real-rate regime → rate tailwind.短久期标的进入偏紧、实际利率上行的环境→利率顺风。
Positioning持仓
Insider cluster activity内部人集中交易
Technical技术面
CBU took relative-strength leadershipCBU 取得相对强弱领先
Ownership & Smart Money持仓与聪明钱
Insider activity内部人员活动: -$0.9M net (0 buyers, 4 sellers)-$0.9M 净值（0 买家，4 卖家）
| Fund基金 | Grade评级 | Activity动作 | % of portfolio组合占比 | As of截至 |
|---|---|---|---|---|
| Basswood Capital Management | B | exitexit | 0.0% | 2026-03-31 |
Signal History信号历史
TOP WATCH
NEARING A HIGH
Jul 15, 2026
CBU took relative-strength leadershipCBU 取得相对强弱领先
Relative strength vs SPY crossed above the 90th percentile of the last 90 days — leadership tends to persist. $68.76.相对标普500的强弱上穿近90日的第90百分位 — 领先往往延续。$68.76。
Jul 15, 2026
CBU made a new 52-week highCBU 创52周新高
Price reached a fresh 52-week high — a momentum / trend extreme the whole market watches. $68.76.价格创出52周新高 — 全市场关注的动量/趋势极值。$68.76。
Jul 14, 2026
NEARING A HIGH → BOTTOMING接近高点 → 筑底中
BUY SETUP买入预备
Jul 14, 2026
CBU daily MACD crossed upCBU 日线MACD上穿
The daily MACD histogram turned positive — fast and noisy, context rather than a standalone trigger. $67.88.日线MACD柱状图转正 — 快速且嘈杂，仅作背景。$67.88。
Jul 13, 2026
BOTTOMING → NEARING A HIGH筑底中 → 接近高点
TAKE PROFITS止盈
Jul 9, 2026
CBU daily MACD crossed downCBU 日线MACD下穿
The daily MACD histogram turned negative — fast and noisy, context rather than a standalone trigger. $66.29.日线MACD柱状图转负 — 快速且嘈杂，仅作背景。$66.29。
Jul 6, 2026
NEARING A HIGH → BOTTOMING接近高点 → 筑底中
BUY SETUP买入预备
Jul 2, 2026
BUY ZONE → NEARING A HIGH买入区 → 接近高点
TAKE PROFITS止盈
Jul 1, 2026
CBU took relative-strength leadershipCBU 取得相对强弱领先
Relative strength vs SPY crossed above the 90th percentile of the last 90 days — leadership tends to persist. $68.45.相对标普500的强弱上穿近90日的第90百分位 — 领先往往延续。$68.45。
Jul 1, 2026
CBU made a new 52-week highCBU 创52周新高
Price reached a fresh 52-week high — a momentum / trend extreme the whole market watches. $68.45.价格创出52周新高 — 全市场关注的动量/趋势极值。$68.45。
Showing last 15 of显示最近15条，共 249 signals条信号
Factor Profile因子特征
Composite factor score综合因子得分: 0.05
Value价值
+0.1
Quality质量
-0.7
Investment资本投入
+0.2
Shareholder payout股东回报
-0.3
Low volatility低波动
+0.9
Low market beta低市场敏感度
+0.3
Earnings quality盈利质量
-0.7
Short interest空头兴趣
+0.5
Company Profile公司档案
Community Bank, N.A. (CBNA) is a commercial bank in the United States serving customers in Upstate New York, Northeastern Pennsylvania, Lehigh Valley, Vermont and Massachusetts. It is the wholly owned national banking subsidiary of Community Financial System, Inc.社区银行全国协会（CBNA）是一家美国商业银行，服务于纽约上州、宾夕法尼亚州东北部、利哈伊谷、佛蒙特州和马萨诸塞州的客户。它是社区金融系统公司的全资全国性银行子公司。
Watch items — what could change the thesis关注项 — 可能改变论点的因素
- Capital intensity rising
Get the full picture获取完整视图
Nightly signals, options flow, and factor analysis across all S&P 500 names.每日更新的信号、期权资金流向和因子分析，覆盖所有标普500成分股。