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Community Financial System, Inc. (CBU)
Price$63.59
Value ScoreD
Growth ScoreD
Momentum ScoreC
Favorite Metrics
Price vs S&P 500 (26W)4.11%
Price vs S&P 500 (4W)-0.57%
VGM Score33.58
Market Capitalization$3.34B
P/E Ratio (Annual)15.88x
Indicated Dividend Yield (Annual)2.96%
All Metrics
P/CF (Annual)11.07x
Book Value / Share (Quarterly)$38.52
P/TBV (Annual)1.55x
Indicated Dividend (Annual)$1.88
Revenue Growth (3Y)4.78%
Cash Flow / Share (Quarterly)$4.60
Payout Ratio (TTM)44.99%
Price vs S&P 500 (YTD)2.55%
Net Profit Margin (TTM)23.15%
EPS (TTM)$4.13
10-Day Avg Trading Volume0.23M
EPS Excl Extra (TTM)$4.13
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)15.33x
Revenue Growth QoQ (YoY)18.71%
EPS Growth (5Y)5.21%
P/E Normalized (Annual)15.88x
ROA (Last FY)1.22%
Revenue Growth TTM (YoY)24.03%
EBITD / Share (TTM)$4.47
ROE (5Y Avg)9.95%
Operating Margin (TTM)29.45%
Cash Flow / Share (Annual)$4.43
P/B Ratio1.65x
P/B Ratio (Quarterly)1.52x
Net Income / Employee (Annual)$73,800
ROA (TTM)1.27%
EPS Growth QoQ (YoY)15.63%
EV / EBITDA (TTM)11.66x
EPS Incl Extra (Annual)$3.98
3-Month Avg Trading Volume0.24M
52-Week Price Return14.35%
EV / Free Cash Flow (Annual)15.18x
P/E Incl Extra (TTM)15.33x
Tangible BV / Share (Quarterly)$37.50
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 Return12.03%
13-Week Price Return6.00%
Total Debt / Equity (Annual)0.12x
Enterprise Value$3.54B
Revenue / Share Growth (5Y)3.66%
Book Value / Share Growth (5Y)-0.46%
Revenue / Employee (Annual)$244,065,000,000
Pretax Margin (Annual)35.37%
Cash / Share (Annual)$3.91
3-Month Return Std Dev20.55%
Net Income / Employee (TTM)$76,400
EBITDA CAGR (5Y)4.72%
EBITDA Interim CAGR (5Y)-0.83%
ROE (Last FY)10.49%
EPS Basic Excl Extra (Annual)$3.98
P/FCF (TTM)13.83x
EV / Free Cash Flow (TTM)14.66x
Total Debt / Equity (Quarterly)0.10x
EPS Incl Extra (TTM)$4.13
ROI (TTM)10.03%
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/E12.69x
Free OCF CAGR (5Y)7.16%
Price vs S&P 500 (52W)-10.02%
P/E Ratio (TTM)15.33x
EPS Growth TTM (YoY)-6.04%
Year-to-Date Return10.71%
5-Day Price Return1.42%
EPS Normalized (Annual)$3.98
ROA (5Y Avg)1.12%
Net Profit Margin (Annual)27.69%
Month-to-Date Return-0.08%
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)10.75x
ROI (5Y Avg)8.53%
P/E Excl Extra (TTM)15.33x
LT Debt / Equity (Quarterly)0.00x
EPS Basic Excl Extra (TTM)$4.13
P/TBV (Quarterly)1.56x
Payout Ratio (Annual)46.36%
P/B Ratio (Annual)1.51x
Dividend / Share (TTM)$1.86
Pretax Margin (TTM)29.45%
Book Value / Share (Annual)$38.08
Price vs S&P 500 (13W)-2.25%
Net Margin Growth (5Y)4.94%
Dividend Yield (TTM)2.94%
Beta0.81x
P/FCF (Annual)14.32x
Revenue / Share (TTM)$12.10
ROE (TTM)11.11%
52-Week Low$51.12
vGradeD
gGradeD
mGradeC
vgmGradeD
Show chart for
Earnings Surprise History
Q1 261.08est. 1.10
Analyst Recommendations
Feb 2026
Mar 2026
Apr 2026
May 2026
3.75
3.60
3.60
3.60
Industry Peers — National Banks(117)
| Symbol | Value Score | Growth Score | Momentum Score | Price |
|---|---|---|---|---|
CBUCommunity Financial System, Inc. | D | D | C | $63.59 |
| JPMJPMorgan Chase & Co. | D | C | C | $312.37 |
| BACBank of America Corporation | C | C | C | $53.83 |
| WFCWells Fargo & Co. | D | C | D | $81.94 |
| CCitigroup Inc. | C | C | A | $132.47 |
| MFGMizuho Financial Group, Inc. American Depositary Shares (Each representing one-fifth of an Ordinary Share) | D | B | A | $9.52 |
| UBSUBS Group AG | C | C | B | $47.01 |
| COFCapital One Financial | C | D | F | $180.67 |
| PNCPNC Financial Services Group | D | C | B | $228.37 |
| USBU.S. Bancorp | B | C | C | $55.69 |
| TFCTruist Financial Corporation | B | C | C | $49.20 |
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.