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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 $63.17, about 40.0% overvalued vs fair value, +15.7% 1Y return, placing in the top 25% of its sector.
Metrics P/E 14.5× Rev Growth 24.4% ROE 11.2% Gross Margin 73.4% Div Yield 3.23%
$63.17
0.00%
As of April 28, 2026
Previous close • Vol 90d: 22.7%
52-Week Range
Market Cap
$3.33B
Enterprise Value
$3.79B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Good
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Good
Completeness: 82%
Confidence: 90%
Updated: Mar 8
Top Beats

Quick Facts

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

Next Events

Dividend Apr 10
Earnings Apr 29 Call: Apr 29

Fair Value Snapshot

Bear Base Bull
$21
$38
$71
Current: $63.17 -40% 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
68
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
74
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing CBU's balance between Growth (30.8%), Profitability (36.2%), and Safety (33.1%). Growth 31% Safety 33% Profitability 36%

Click axes to expand details. Marker shows current allocation.

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Growth

54th percentile vs peers
54
Key Signals
Asset Growth YoY 5.6% 60p NII Growth YoY 2.7% 54p EPS Growth YoY 15.4% 70p Equity Growth YoY 3.8% 27p
Strengths
  • ROTE in top 20% of peers (22.0%, 96th percentile)
  • Cash & Securities to Assets in top 20% of peers (24.5%, 88th percentile)
  • Dividends/Tangible Equity in top 20% of peers (11.5%, 97th percentile)
Risks

No significant risks identified for this axis.

Profitability

63th percentile vs peers
64
Key Signals
Strengths
Risks
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Safety

58th percentile vs peers
58
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
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Bear
-
- - -
- upside
-
Base
$37.90
- - -
-40.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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