Profitability
Weight: 25%
C
53
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 1.0%
- Operating Margin Trend -3.07 pp/yr
CBU
Community Bank System, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
A
88
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 17.0%
- 5yr Share-Count CAGR -0.7%
Growth Quality
Weight: 10%
B+
80
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 15.6%
- 5yr EPS CAGR 3.3%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
A+
99
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 1.34x
Balance Sheet
Weight: 30%
B-
65
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 11.5%
- Interest Coverage (EBIT/Int) 1.43x
Stability
Weight: 10%
A-
85
- EPS Volatility (σ/μ) 0.18
- Piotroski F-Score 8
- Negative-Revenue Years (5) 0/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.Not enough curated-guru data to call a flow.
- Laffont new