Community Bank System Company Profile (NYSE:CBU)

About Community Bank System

Community Bank System logoCommunity 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, BPAS Actuarial & Pension Services, LLC and Hand Benefits & Trust Company, provides employee benefit trust, collective investment fund, retirement plan administration, actuarial, and health and welfare consulting services, among others. Included in the All Other segment are the smaller Wealth Management and Insurance segments. The Bank's business provides an array of banking and financial services to retail, commercial and municipal customers.

Industry, Sector and Symbol:
  • Sector: Finance
  • Industry: Regional - Midwest Banks
  • Sub-Industry: Regional Banks
  • Exchange: NYSE
  • Symbol: CBU
  • CUSIP: 20360710
Key Metrics:
  • Previous Close: $60.21
  • 50 Day Moving Average: $59.37
  • 200 Day Moving Average: $53.20
  • 52-Week Range: $36.61 - $63.04
  • Trailing P/E Ratio: 25.95
  • Foreward P/E Ratio: 22.38
  • P/E Growth: 2.49
  • Market Cap: $2.68B
  • Outstanding Shares: 44,437,000
  • Beta: 1.05
Profitability:
  • Net Margins: 23.53%
  • Return on Equity: 8.60%
  • Return on Assets: 1.21%
Debt:
  • Debt-to-Equity Ratio: 0.21%
  • Current Ratio: 0.70%
  • Quick Ratio: 0.70%
Additional Links:
Companies Related to Community Bank System:

Analyst Ratings

Consensus Ratings for Community Bank System (NYSE:CBU) (?)
Ratings Breakdown: 1 Sell Rating, 2 Hold Ratings
Consensus Rating:Hold (Score: 1.67)
Consensus Price Target: $44.00 (26.92% downside)

Analysts' Ratings History for Community Bank System (NYSE:CBU)
Show:
DateFirmActionRatingPrice TargetDetails
1/12/2017Sandler O'NeillDowngradeHold -> SellView Rating Details
10/25/2016Hovde GroupBoost Price TargetMarket Perform$43.00 -> $49.00View Rating Details
4/26/2016Royal Bank of CanadaBoost Price TargetSector Perform$37.00 -> $39.00View Rating Details
1/7/2016Piper Jaffray CompaniesInitiated CoverageNeutral$40.00View Rating Details
10/23/2015Keefe, Bruyette & WoodsBoost Price Target$37.50 -> $38.00View Rating Details
4/21/2015Raymond James Financial, Inc.Initiated CoverageMarket PerformView Rating Details
(Data available from 2/25/2015 forward)

Earnings

Earnings History for Community Bank System (NYSE:CBU)
DateQuarterConsensus EstimateActual EPSRevenue EstimateActual RevenueRelease LinkConference CallDetails
4/24/2017        
1/23/2017Q416$0.58$0.59$108.41 million$109.20 millionViewN/AView Earnings Details
10/27/2016Q316$0.59$0.61$108.96 million$108.40 millionViewN/AView Earnings Details
7/20/2016Q216$0.56$0.58$106.66 million$107.10 millionViewN/AView Earnings Details
4/25/2016Q116$0.55$0.55$104.95 million$105.20 millionViewListenView Earnings Details
1/21/2016Q415$0.58$0.47$98.15 million$98.10 millionViewListenView Earnings Details
10/22/2015Q315$0.59$0.60$93.84 million$93.70 millionViewListenView Earnings Details
7/20/2015Q215$0.55$0.58$91.62 million$90.90 millionViewListenView Earnings Details
4/20/2015Q1 15$0.55$0.54$91.72 million$88.90 millionViewN/AView Earnings Details
1/21/2015Q414$0.57$0.56$94.20 millionViewN/AView Earnings Details
10/20/2014Q114$0.56$0.59$92.70 million$92.50 millionViewListenView Earnings Details
7/21/2014$0.54$0.57ViewN/AView Earnings Details
4/22/2014$0.52$0.54ViewN/AView Earnings Details
1/22/2014Q413$0.52$0.52$89.27 millionViewN/AView Earnings Details
10/22/2013Q3 13$0.52$0.54ViewN/AView Earnings Details
7/23/2013Q2 2013$0.50$0.52$86.11 millionViewN/AView Earnings Details
(Data available from 1/1/2011 forward)

Estimates

Earnings Estimates for Community Bank System (NYSE:CBU)
Current Year EPS Consensus Estimate: $2.47 EPS
Next Year EPS Consensus Estimate: $2.69 EPS
QuarterNumber of EstimatesLow EstimateHigh EstimateAverage Estimate
Q1 20162$0.55$0.57$0.56
Q2 20162$0.56$0.57$0.57
Q3 20161$0.60$0.60$0.60
Q4 20161$0.61$0.61$0.61
Q1 20171$0.56$0.56$0.56
Q2 20171$0.60$0.60$0.60
Q3 20171$0.67$0.67$0.67
Q4 20171$0.69$0.69$0.69
(Data provided by Zacks Investment Research)

Dividends

Current Dividend Information for Community Bank System (NYSE:CBU)
Annual Dividend:$1.28
Dividend Yield:2.13%
Dividend Growth:4.70% (3 Year Average)
Payout Ratio:54.94% (Based on Trailing 12 Months of Earnings)
51.82% (Based on Current Year Consensus EPS Estimate)
47.58% (Based on Next Year Consensus EPS Estimate)
Track Record:6 Years of Consecutive Dividend Growth

Dividend History for Community Bank System (NYSE:CBU)
AnnouncedPeriodAmountYieldEx-Dividend DateRecord DatePayable Date
2/21/2017quarterly$0.322.1%3/13/20173/15/20174/10/2017
11/18/2016quarterly$0.322.3%12/13/201612/15/20161/10/2017
8/19/2016quarterly$0.322.8%9/13/20169/15/201610/10/2016
5/20/2016quarterly$0.313.13%6/13/20166/15/20167/11/2016
2/18/2016quarterly$0.313.36%3/11/20163/15/20164/11/2016
11/20/2015quarterly$0.312.93%12/11/201512/15/20151/11/2016
8/20/2015quarterly$0.313.44%9/11/20159/15/201510/9/2015
5/21/2015quarterly$0.303.38%6/11/20156/15/20157/10/2015
2/19/2015quarterly$0.303.39%3/12/20153/16/20154/10/2015
11/25/2014quarterly$0.303.18%12/11/201412/15/20141/9/2015
7/21/2014quarterly$0.303.37%9/11/20149/15/201410/10/2014
5/16/2014quarterly$0.283.17%6/12/20146/16/20147/10/2014
2/25/2014quarterly$0.283.13%3/12/20143/14/20144/10/2014
11/25/2013quarterly$0.282.92%12/12/201312/16/20131/10/2014
8/21/2013quarterly$0.283.23%9/12/20139/16/201310/10/2013
5/10/2013quarterly$0.273.71%6/12/20136/14/20137/10/2013
2/25/2013quarterly$0.273.77%3/13/20133/15/20134/10/2013
(Data available from 1/1/2013 forward)

Insider Trades

Insider Trading History for Community Bank System (NYSE:CBU)
Insider Ownership Percentage: 3.48%
Institutional Ownership Percentage: 66.76%
Transaction DateInsider NameTitleBuy/SellNumber of SharesAverage Share PriceTotal TransactionDetails
2/16/2017John F WhippleDirectorSell3,850$59.97$230,884.50View SEC Filing  
1/26/2017James A GabrielDirectorSell12,883$61.73$795,267.59View SEC Filing  
1/26/2017Scott Allen KingsleyCFOSell5,435$61.76$335,665.60View SEC Filing  
12/27/2016Nicholas A DicerboDirectorSell1,000$62.00$62,000.00View SEC Filing  
12/8/2016Nicholas A DicerboDirectorSell4,000$60.93$243,720.00View SEC Filing  
11/21/2016Sally A SteeleDirectorSell4,631$54.88$254,149.28View SEC Filing  
11/17/2016Edward S MucenskiDirectorSell3,000$54.85$164,550.00View SEC Filing  
7/26/2016Brian R AceDirectorSell3,817$43.40$165,657.80View SEC Filing  
7/25/2016Nicholas A DicerboDirectorSell2,000$43.75$87,500.00View SEC Filing  
5/27/2016Nicholas A DicerboDirectorSell1,913$40.99$78,413.87View SEC Filing  
4/29/2016Brian D DonahueEVPSell8,084$39.75$321,339.00View SEC Filing  
3/8/2016James A GabrielDirectorSell3,817$38.68$147,641.56View SEC Filing  
1/29/2016James A. GabrielDirectorSell12,885$36.78$473,910.30View SEC Filing  
11/9/2015Brian D. DonahueinsiderSell6,000$42.57$255,420.00View SEC Filing  
11/9/2015Nicholas A DicerboDirectorSell4,516$42.86$193,555.76View SEC Filing  
11/6/2015Scott Allen KingsleyCFOSell4,663$42.67$198,970.21View SEC Filing  
10/29/2015Nicholas A. DicerboDirectorSell4,829$41.55$200,644.95View SEC Filing  
10/27/2015Nicholas A DicerboDirectorSell5,000$40.00$200,000.00View SEC Filing  
7/23/2015Nicholas A DicerboDirectorSell15,594$39.55$616,742.70View SEC Filing  
6/22/2015Brian D DonahueInsiderSell6,182$37.49$231,763.18View SEC Filing  
6/22/2015Scott Allen KingsleyCFOSell6,992$37.50$262,200.00View SEC Filing  
6/10/2015Scott Allen KingsleyCFOSell4,900$37.64$184,436.00View SEC Filing  
3/4/2015James A GabrielDirectorSell12,885$35.07$451,876.95View SEC Filing  
12/30/2014Brian D DonahueInsiderSell5,500$38.75$213,125.00View SEC Filing  
12/30/2014George J GetmanVPSell9,085$38.73$351,862.05View SEC Filing  
12/23/2014James A GabrielDirectorSell12,885$38.01$489,758.85View SEC Filing  
12/23/2014Scott Allen KingsleyCFOSell12,444$38.05$473,494.20View SEC Filing  
12/10/2014Nicholas A DicerboDirectorSell3,298$38.09$125,620.82View SEC Filing  
11/14/2014Nicholas A DicerboDirectorSell2,538$38.55$97,839.90View SEC Filing  
3/31/2014Sally SteeleDirectorSell8,288$38.98$323,066.24View SEC Filing  
1/30/2014James GabrielDirectorSell3,604$36.43$131,293.72View SEC Filing  
12/19/2013James WilsonDirectorSell3,850$38.44$147,994.00View SEC Filing  
11/26/2013Alfred WhittetDirectorSell4,566$38.35$175,106.10View SEC Filing  
10/28/2013Nicholas A DicerboDirectorSell4,520$37.00$167,240.00View SEC Filing  
10/25/2013John ParenteDirectorSell3,850$36.72$141,372.00View SEC Filing  
8/13/2013Brian D DonahueInsiderSell1,582$34.25$54,183.50View SEC Filing  
8/9/2013Brian D DonahueInsiderSell5,982$34.25$204,883.50View SEC Filing  
8/8/2013Brian D DonahueInsiderSell2,575$34.39$88,554.25View SEC Filing  
7/31/2013James A GabrielDirectorSell4,520$33.75$152,550.00View SEC Filing  
7/26/2013George J GetmanVPSell12,585$33.16$417,318.60View SEC Filing  
6/25/2013Scott Allen KingsleyCFOSell15,000$30.09$451,350.00View SEC Filing  
12/4/2012Nicholas A DicerboDirectorSell12,146$27.16$329,885.36View SEC Filing  
(Data available from 1/1/2013 forward)

Headlines

Latest Headlines for Community Bank System (NYSE:CBU)
DateHeadline
bizjournals.com logoCommunity Bank CFO: Commercial banking, not retail, is focus for Buffalo market (NYSE:CBU)
www.bizjournals.com - February 25 at 4:01 PM
4-traders.com logoCommunity Bank System : Announces Quarterly Common Stock Dividend (NYSE:CBU)
www.4-traders.com - February 25 at 2:22 AM
investopedia.com logoWall Street Grows Cautious on Bank Stocks (NYSE:CBU)
www.investopedia.com - February 23 at 4:07 PM
biz.yahoo.com logoCOMMUNITY BANK SYSTEM, INC. Files SEC form 8-K, Entry into a Material Definitive Agreement (NYSE:CBU)
biz.yahoo.com - February 9 at 4:27 PM
finance.yahoo.com logoCommunity Bank System Completes Acquisition of Northeast Retirement Services, Inc. (NYSE:CBU)
finance.yahoo.com - February 3 at 9:23 PM
capitalcube.com logoCommunity Bank System, Inc. : CBU-US: Dividend Analysis : December 15th, 2016 (record date) : By the numbers : February 1, 2017 (NYSE:CBU)
www.capitalcube.com - February 1 at 4:27 PM
seekingalpha.com logoCommunity Bank System declares $0.50 dividend (NYSE:CBU)
seekingalpha.com - February 1 at 6:36 AM
capitalcube.com logoCommunity Bank System, Inc. breached its 50 day moving average in a Bearish Manner : CBU-US : January 31, 2017 (NYSE:CBU)
www.capitalcube.com - January 31 at 4:35 PM
News IconCommunity Bank System, Inc. (CBU)’s Trend Up, Especially After Forming a Multiple Top Chart Pattern (NYSE:CBU)
randolphguide.com - January 30 at 4:13 PM
capitalcube.com logoETFs with exposure to Community Bank System, Inc. : January 25, 2017 (NYSE:CBU)
www.capitalcube.com - January 25 at 5:17 PM
capitalcube.com logoCommunity Bank System, Inc. :CBU-US: Earnings Analysis: Q4, 2016 By the Numbers : January 24, 2017 (NYSE:CBU)
www.capitalcube.com - January 24 at 4:43 PM
finance.yahoo.com logoEdited Transcript of CBU earnings conference call or presentation 23-Jan-17 4:00pm GMT (NYSE:CBU)
finance.yahoo.com - January 24 at 2:33 AM
4-traders.com logoCommunity Bank System : posts 4Q profit (NYSE:CBU)
www.4-traders.com - January 23 at 4:30 PM
rttnews.com logoCommunity Bank System Inc. Profit Climbs 31% In Q4 (NYSE:CBU)
www.rttnews.com - January 23 at 4:30 PM
News IconCommunity Bank System Reports Fourth Quarter and Full Year 2016 Results (NYSE:CBU)
www.enhancedonlinenews.com - January 23 at 4:30 PM
News IconShould You Expect Community Bank System Inc (CBU) To Deliver A Superior ROE To Its Industry? (NYSE:CBU)
simplywall.st - January 23 at 4:30 PM
seekingalpha.com logoCommunity Bank System's (CBU) CEO Mark Tryniski on Q4 2016 Results - Earnings Call Transcript (NYSE:CBU)
seekingalpha.com - January 23 at 4:30 PM
sg.finance.yahoo.com logoCommunity Bank posts 4Q profit (NYSE:CBU)
sg.finance.yahoo.com - January 23 at 4:30 PM
biz.yahoo.com logoQ4 2016 Community Bank System Inc Earnings Release - Before Market Open (NYSE:CBU)
biz.yahoo.com - January 23 at 4:30 PM
biz.yahoo.com logoCOMMUNITY BANK SYSTEM, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial Statements a (NYSE:CBU)
biz.yahoo.com - January 23 at 4:30 PM
News IconCommunity Bank System (NYSE:CBU) 4Q16 earnings sneak peak (NYSE:CBU)
stockmarketdaily.co - January 21 at 10:08 PM
capitalcube.com logoCommunity Bank System, Inc. breached its 50 day moving average in a Bearish Manner : CBU-US : January 18, 2017 (NYSE:CBU)
www.capitalcube.com - January 18 at 3:17 PM
finance.yahoo.com logoCommunity Bank downgraded by Sandler O'Neill (NYSE:CBU)
finance.yahoo.com - January 12 at 4:30 PM
publicnow.com logoCommunity Bank System Announces Fourth Quarter and Year End 2016 Earnings Conference Call (NYSE:CBU)
www.publicnow.com - January 5 at 4:34 PM
feeds.reuters.com logoBRIEF-Community Bank System appoints chair of the board (NYSE:CBU)
feeds.reuters.com - January 4 at 5:25 PM
biz.yahoo.com logoCOMMUNITY BANK SYSTEM, INC. Files SEC form 8-K, Change in Directors or Principal Officers (NYSE:CBU)
biz.yahoo.com - January 4 at 5:09 PM
News IconCommunity Bank System, Inc. (CBU) Director Nicholas A. Dicerbo Sold 1000 Shares (NYSE:CBU)
prensariotiretail.com - January 1 at 9:13 PM
marketexclusive.com logoInsider Trading Activity Community Bank System, Inc. (NYSE:CBU) – Director Sold 1,000 shares of Stock (NYSE:CBU)
marketexclusive.com - December 31 at 4:13 PM
News IconInsider Exclusive: Nicholas Dicerbo Insider Selling for 1,000 Shares of Community Bank System, Inc. (NYSE:CBU) (NYSE:CBU)
www.whatsonthorold.com - December 29 at 9:33 PM
capitalcube.com logoETFs with exposure to Community Bank System, Inc. : December 9, 2016 (NYSE:CBU)
www.capitalcube.com - December 9 at 4:30 PM
finance.yahoo.com logo4 Reasons to Buy Community Bank System Stock Right Now (NYSE:CBU)
finance.yahoo.com - December 8 at 8:17 AM
bizjournals.com logoCommunity Bank System expands into Massachusetts with $140 million deal (NYSE:CBU)
www.bizjournals.com - December 7 at 4:49 PM
biz.yahoo.com logoCOMMUNITY BANK SYSTEM, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits (NYSE:CBU)
biz.yahoo.com - December 6 at 12:06 PM
nasdaq.com logoCommunity Bank System To Buy Northeast Retirement Services For $140 Mln (NYSE:CBU)
www.nasdaq.com - December 5 at 4:57 PM
us.rd.yahoo.com logoCommunity Bank System Enters into Agreement to Acquire Northeast Retirement Services, Inc. (NYSE:CBU)
us.rd.yahoo.com - December 5 at 12:36 PM
us.rd.yahoo.com logo6:46 am Community Bank to acquire Northeast Retirement Services for about $140 mln in cash & stock (NYSE:CBU)
us.rd.yahoo.com - December 5 at 12:36 PM
feeds.reuters.com logoBRIEF-Community Bank System to buy Northeast Retirement Services for $140 mln (NYSE:CBU)
feeds.reuters.com - December 5 at 7:41 AM
seekingalpha.com logoCommunity Bank Systems scoops up Northeast Retirement Services for $140M (NYSE:CBU)
seekingalpha.com - December 5 at 7:41 AM
stocksdaily.net logoQuarterly Accrued Expenses Of Community Bank System, Inc. (NYSE:CBU) At $173.681 Millions (NYSE:CBU)
www.stocksdaily.net - December 3 at 3:57 PM
News IconCommunity Bank System Inc. Declares Quarterly Dividend of $0.32 (CBU) (NYSE:CBU)
larampadinapoli.com - November 22 at 3:38 PM
finance.yahoo.com logoConnectOne Bancorp (CNOB) Catches Eye: Stock Jumps 6.7% (NYSE:CBU)
finance.yahoo.com - November 21 at 9:02 AM
streetinsider.com logoCommunity Bank System (CBU) Declares $0.32 Quarterly Dividend; 2.3% Yield (NYSE:CBU)
www.streetinsider.com - November 19 at 11:12 AM
publicnow.com logoCommunity Bank System, Inc. Announces Quarterly Common Stock Dividend (NYSE:CBU)
www.publicnow.com - November 18 at 1:19 PM
finance.yahoo.com logoCOMMUNITY BANK SYSTEM, INC. Financials (NYSE:CBU)
finance.yahoo.com - November 17 at 3:20 PM
News IconRegulatory Insider Filing: Community Bank System, Inc. (NYSE:CBU)’s director Nicholas Dicerbo Unloaded 5,000 Shares (NYSE:CBU)
www.whatsonthorold.com - November 15 at 4:22 PM
stocksdaily.net logo$153.21 Is What Community Bank System, Inc. (NYSE:CBU) Held In Cash And Short-Term Investments (NYSE:CBU)
www.stocksdaily.net - November 11 at 8:45 PM
capitalcube.com logoETF’s with exposure to Community Bank System, Inc. : November 11, 2016 (NYSE:CBU)
www.capitalcube.com - November 11 at 1:33 PM
capitalcube.com logoCommunity Bank System, Inc. breached its 50 day moving average in a Bullish Manner : CBU-US : November 10, 2016 (NYSE:CBU)
www.capitalcube.com - November 10 at 12:32 PM
capitalcube.com logoCommunity Bank System, Inc. :CBU-US: Earnings Analysis: Q3, 2016 By the Numbers : November 10, 2016 (NYSE:CBU)
www.capitalcube.com - November 10 at 12:32 PM
biz.yahoo.com logoCOMMUNITY BANK SYSTEM, INC. Files SEC form 8-K, Entry into a Material Definitive Agreement, Financial Statements and (NYSE:CBU)
biz.yahoo.com - October 27 at 9:40 PM

Social

What is Community Bank System's stock symbol?

Community Bank System trades on the New York Stock Exchange (NYSE) under the ticker symbol "CBU."

How often does Community Bank System pay dividends? What is the dividend yield for Community Bank System?

Community Bank System declared a quarterly dividend on Tuesday, February 21st. Stockholders of record on Wednesday, March 15th will be paid a dividend of $0.32 per share on Monday, April 10th. This represents a $1.28 dividend on an annualized basis and a dividend yield of 2.13%. The ex-dividend date of this dividend is Monday, March 13th.

Where is Community Bank System's stock going? Where will Community Bank System's stock price be in 2017?

3 analysts have issued 12 month price targets for Community Bank System's shares. Their forecasts range from $39.00 to $49.00. On average, they anticipate Community Bank System's stock price to reach $44.00 in the next year.

When will Community Bank System announce their earnings?

Community Bank System is scheduled to release their next quarterly earnings announcement on Monday, April, 24th 2017.

Who owns Community Bank System stock?

Community Bank System's stock is owned by many different of retail and institutional investors. Top institutional shareholders include FMR LLC (4.55%), Dimensional Fund Advisors LP (4.41%), State Street Corp (2.58%), Champlain Investment Partners LLC (1.56%), New York State Teachers Retirement System (0.32%) and Netols Asset Management Inc. (0.30%). Company insiders that own Community Bank System stock include Brian D Donahue, Brian R Ace, Edward S Mucenski, James A Gabriel, John F Whipple, Nicholas A Dicerbo, Sally A Steele and Scott Allen Kingsley.

Who sold Community Bank System stock? Who is selling Community Bank System stock?

Community Bank System's stock was sold by a variety of institutional investors in the last quarter, including FMR LLC, Champlain Investment Partners LLC, Renaissance Technologies LLC, Nicholas Co. Inc. WI, Guggenheim Capital LLC, Netols Asset Management Inc., New York State Teachers Retirement System and Raymond James Financial Services Advisors Inc.. Company insiders that have sold Community Bank System stock in the last year include Brian D Donahue, Brian R Ace, Edward S Mucenski, James A Gabriel, John F Whipple, Nicholas A Dicerbo, Sally A Steele and Scott Allen Kingsley.

Who bought Community Bank System stock? Who is buying Community Bank System stock?

Community Bank System's stock was acquired by a variety of institutional investors in the last quarter, including State Street Corp, Russell Investments Group Ltd., Dimensional Fund Advisors LP, GLG Partners LP, Empire Life Investments Inc., Harbor Advisors LLC, Franklin Resources Inc. and Comerica Bank.

How do I buy Community Bank System stock?

Shares of Community Bank System can be purchased through any online brokerage account. Popular online brokerages include Vanguard Brokerage Services, TD Ameritrade, E*TRADE, Scottrade, Fidelity and Charles Schwab.

How much does a share of Community Bank System stock cost?

One share of Community Bank System stock can currently be purchased for approximately $60.21.

Community Bank System (NYSE:CBU) Chart for Saturday, February, 25, 2017


Institutional Ownership Chart

Institutional Ownership by Quarter for Community Bank System (NYSE:CBU)

Earnings History Chart

Earnings by Quarter for Community Bank System (NYSE:CBU)

Dividend History Chart

Dividend Payments by Quarter for Community Bank System (NYSE:CBU)

Last Updated on 2/25/2017 by MarketBeat.com Staff