Stock AnalizCommunity Financial System, Inc. CBU
Major Banks · data as of November 13, 2026
Community Financial System, Inc. (CBU) is a financial company listed in the US with a market value of about $3.4B. In the twelve months to September 30, 2026 it had revenue of $887M and net income of $234M, a net margin of 26.4%.
Its overall Stock Analiz score is 2.4 out of 5 (weak). The strongest part is shareholder returns (5/5); the weakest is future growth (1/5).
Key numbers: a P/E of 14.6, a price to free cash flow of 12.6, 5-year revenue growth of 7% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 14% below the current price.
Score: 2.4 / 5
Checks passed
- P/E below 25
- P/FCF below 20
- Profit margin improving
- Profitable 5 years in a row
- More cash than debt, or low debt to equity
- Positive free cash flow
- Debt below 3 years of free cash flow
- Pays a dividend
Checks not passed
- P/E below the industry median
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year EPS growth above 10% a year
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $887M | $823M | $750M | $709M | $684M | $621M | $597M | $590M | $569M | $518M | $430M |
| Net income | $234M | $210M | $182M | $132M | $188M | $190M | $165M | $169M | $169M | $151M | $104M |
| Free cash flow | $270M | $233M | $222M | $210M | $202M | $189M | $165M | $197M | $209M | $179M | $123M |
| EPS (diluted) | $4.43 | $3.97 | $3.44 | $2.45 | $3.46 | $3.48 | $3.08 | $3.23 | $3.24 | $3.03 | $2.32 |
| Net margin | 26.4% | 25.6% | 24.3% | 18.6% | 27.5% | 30.6% | 27.6% | 28.7% | 29.6% | 29.1% | 24.2% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 6 analysts is $69.00, 7% above the current price; targets range from $65.00 to $75.00; the consensus rating is “Hold”; expected EPS is $4.60 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Community Financial System’s P/E ratio?
About 14.6, based on the last twelve months of diluted earnings per share (forward P/E about 13.0).
Is Community Financial System stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 14% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Community Financial System pay a dividend?
Yes. The dividend yield is about 2.94%, and it has paid dividends for 10 years in our data.
Is Community Financial System a good stock to buy?
We do not give buy or sell advice. Community Financial System scores 2.4 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
Similar companies
Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.