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Company Analysis

Community Financial System, Inc CBU

A comprehensive view of key metrics, scores, and financial health for Community Financial System, Inc

Overview of Community Financial System, Inc.

CBU NYQ
Financial Services Banks - Regional Mid Cap
Community Financial System, Inc. (CBU), is a Mid Cap company, in the Banks - Regional industry, last closed at $57.42, about 34.0% overvalued vs fair value, +0.5% 1Y return, placing in the top 25% of its sector.
$57.42
0.30%
As of March 13, 2026
Previous close • Vol 90d: 24.3%
52-Week Range
Market Cap
$3.03B
Enterprise Value
$3.49B
Overall Score
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Top Beats

Quick Facts

Website https://communityfinancialsyst...
HQ Dewitt, NY
Fiscal year Dec 31

Next Events

Dividend Apr 10 Ex-div: Mar 16
Earnings May 5 Estimated

Fair Value Snapshot

Bear Base Bull
$21
$38
$71
Current: $57.42 -34% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$643.5M
18.9%%
Interest Expense
$192.7M
Net Interest Income
$449.1M
2.7%%
Total Revenue
$928.7M
24.4%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
10.3%
Good

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$108.7M
59.8% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
1
Active Leaks
0/1
Improving
0
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Community Financial System, Inc's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
69
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Strong
76
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing CBU's balance between Growth (20.5%), Profitability (40.6%), and Safety (38.9%). Growth 21% Safety 39% Profitability 41%

Click axes to expand details. Marker shows current allocation.

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Growth

36th percentile vs peers
36
Key Signals
Asset Growth YoY 5.6% 61p Rev Growth YoY 24.4% 25p Revenue CAGR 3Y 11.0% 24p
Strengths
  • Superior capital returns - 2 return metrics above peer median
Risks
  • Growth below peer median (percentile: 36)

Profitability

71th percentile vs peers
72
Key Signals
Strengths
Risks
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Safety

68th percentile vs peers
69
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Community Financial System, Inc.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
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- upside
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Base
$37.90
- - -
-34.0% vs current
Snapshot base estimate
Bull
-
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- upside
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Fair Value Range Current: $-
$- $- $-
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