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Community Financial System, Inc. (CBU)
Price$63.37
Favorite Metrics
Price vs S&P 500 (26W)5.53%
Price vs S&P 500 (4W)2.98%
Market Capitalization$3.34B
P/E Ratio (Annual)15.86x
Indicated Dividend Yield (Annual)2.97%
All Metrics
P/CF (Annual)11.06x
Book Value / Share (Quarterly)$38.08
P/TBV (Annual)1.55x
Indicated Dividend (Annual)$1.88
Revenue Growth (3Y)4.78%
Cash Flow / Share (Quarterly)$4.43
Payout Ratio (TTM)46.36%
Price vs S&P 500 (YTD)6.08%
Net Profit Margin (TTM)23.15%
EPS (TTM)$3.98
10-Day Avg Trading Volume0.21M
EPS Excl Extra (TTM)$3.98
Revenue Growth (5Y)6.14%
EPS (Annual)$3.98
Dividend / Share (Annual)$1.85
ROI (Annual)9.37%
Net Profit Margin (5Y Avg)28.80%
Cash / Share (Quarterly)$8.53
P/E Basic Excl Extra (TTM)15.86x
Revenue Growth QoQ (YoY)18.71%
EPS Growth (5Y)5.21%
P/E Normalized (Annual)15.86x
ROA (Last FY)1.22%
Revenue Growth TTM (YoY)24.03%
EBITD / Share (TTM)$5.51
ROE (5Y Avg)9.95%
Operating Margin (TTM)29.45%
Cash Flow / Share (Annual)$4.43
P/B Ratio1.66x
P/B Ratio (Quarterly)1.51x
Net Income / Employee (Annual)$0
ROA (TTM)1.24%
EPS Growth QoQ (YoY)9.44%
EV / EBITDA (TTM)12.30x
EPS Incl Extra (Annual)$3.98
3-Month Avg Trading Volume0.25M
52-Week Price Return18.85%
EV / Free Cash Flow (Annual)15.34x
P/E Incl Extra (TTM)15.86x
Tangible BV / Share (Quarterly)$37.04
P/S Ratio (Annual)3.52x
52-Week High$67.50
EPS Excl Extra (Annual)$3.98
CapEx CAGR (5Y)36.62%
Tangible BV CAGR (5Y)-0.99%
26-Week Price Return14.28%
13-Week Price Return3.30%
Total Debt / Equity (Annual)0.12x
Enterprise Value$3,578.267
Revenue / Share Growth (5Y)3.66%
Book Value / Share Growth (5Y)-0.46%
Revenue / Employee (Annual)$244,065
Pretax Margin (Annual)35.37%
Cash / Share (Annual)$3.91
3-Month Return Std Dev24.61%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)5.55%
EBITDA Interim CAGR (5Y)3.98%
ROE (Last FY)10.49%
EPS Basic Excl Extra (Annual)$3.98
P/FCF (TTM)14.31x
EV / Free Cash Flow (TTM)15.34x
Total Debt / Equity (Quarterly)0.12x
EPS Incl Extra (TTM)$3.98
ROI (TTM)9.82%
Dividend Growth Rate (5Y)2.42%
P/S Ratio (TTM)3.67x
Pretax Margin (5Y Avg)36.33%
Revenue / Share (Annual)$12.53
Tangible BV / Share (Annual)$37.04
Forward P/E13.47x
Free OCF CAGR (5Y)7.16%
Price vs S&P 500 (52W)-16.25%
P/E Ratio (TTM)15.86x
EPS Growth TTM (YoY)-5.84%
Year-to-Date Return10.22%
5-Day Price Return0.52%
EPS Normalized (Annual)$3.98
ROA (5Y Avg)1.12%
Net Profit Margin (Annual)27.69%
Month-to-Date Return7.95%
Cash Flow / Share (TTM)$3.34
EBITD / Share (Annual)$5.51
EPS Growth (3Y)4.71%
Operating Margin (Annual)35.37%
LT Debt / Equity (Annual)0.00x
P/CF (TTM)11.06x
ROI (5Y Avg)8.53%
P/E Excl Extra (TTM)15.86x
LT Debt / Equity (Quarterly)0.00x
EPS Basic Excl Extra (TTM)$3.98
P/TBV (Quarterly)1.55x
Payout Ratio (Annual)46.36%
P/B Ratio (Annual)1.51x
Dividend / Share (TTM)$1.85
Pretax Margin (TTM)29.45%
Book Value / Share (Annual)$38.08
Price vs S&P 500 (13W)0.43%
Net Margin Growth (5Y)4.94%
Dividend Yield (TTM)2.92%
Beta0.82x
P/FCF (Annual)14.31x
Revenue / Share (TTM)$12.10
ROE (TTM)10.99%
52-Week Low$51.12
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
3.89
3.75
3.60
3.60
Industry Peers — National Banks(97)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | ROA (TTM) | Net Interest Coverage (TTM) | Price |
|---|---|---|---|---|---|
CBUCommunity Financial System, Inc. | 1.51x | 10.99% | 1.24% | — | $63.37 |
JPMJPMorgan Chase & Co. | 2.17x | 16.32% | 1.28% | — | $316.99 |
BACBank of America Corporation | 1.16x | 10.50% | 0.92% | — | $53.95 |
WFCWells Fargo & Co. | 1.37x | 12.02% | 1.03% | — | $81.97 |
CCitigroup Inc. | 0.92x | 7.55% | 0.60% | — | $133.05 |
COFCapital One Financial | 1.36x | 2.44% | 0.40% | — | $205.71 |
UBSUBS Group AG | 1.64x | 8.71% | 0.48% | — | $43.82 |
MFGMizuho Financial Group, Inc. American Depositary Shares (Each representing one-fifth of an Ordinary Share) | 1.27x | 9.73% | 0.37% | — | $8.60 |
PNCPNC Financial Services Group | 1.32x | 11.98% | 1.25% | — | $227.03 |
USBU.S. Bancorp | 1.23x | 12.21% | 1.13% | — | $57.00 |
TFCTruist Financial Corporation | 0.89x | 8.51% | 1.01% | — | $50.84 |
About
Community Financial System Inc is a diversified financial services company serving retail, commercial, institutional, and governmental clients through banking, wealth management, and insurance services. The company operates four primary business segments—Banking and Corporate, Employee Benefit Services, Insurance Services, and Wealth Management Services—with Banking and Corporate generating the majority of revenues.