CBU Stock Analysis: Community Bank System | NYSE
Banks - Regional | NYSE, USA | Market Cap: 3.183m USD | 12M Return: 5.1% | US2036071064 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 16.9M
EPS Trend: 86.9%
Qual. Beats: 0
Rev. Trend: 95.2%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Community Financial System, Inc. (CBU) is the holding company for Community Bank, N.A., a diversified financial services provider serving retail, commercial, institutional, and governmental customers. Founded in 1866 and headquartered in Syracuse, New York, the company operates through four business segments: Banking, Employee Benefit Services, Insurance Services, and Wealth Management Services. The Banking segment offers lending, depository, treasury management, and payment processing products, while the Employee Benefit segment provides trust, retirement plan administration, and actuarial consulting. The Insurance segment delivers personal and commercial lines of coverage and risk management products, and the Wealth Management segment offers investment advisory, trust, and financial planning services.
As a U.S. regional bank, CBU follows a community banking model that emphasizes local relationship-based lending and deposit gathering, typically serving small and middle-market businesses and consumers within its geographic footprint. The companys diversified four-segment structure reflects a common strategy among regional banks to generate fee-based, non-interest income alongside traditional banking activities, reducing reliance on net interest margin.
- Net interest margin pressure from Fed rate cuts
- Loan growth in commercial and municipal portfolios
- Employee Benefit Services revenue scales on retirement plan demand
- Insurance Services margins expand on premium growth
| Net Income: 228.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.11 > 1.0 |
| NWC/Revenue: 425.3% < 20% (prev -1.15k%; Δ 1.58k% < -1%) |
| CFO/TA 0.02 > 3% & CFO 308.3m > Net Income 228.1m |
| Net Debt (-4.02b) to EBITDA (336.6m): -11.94 < 3 |
| Current Ratio: 14.48 > 1.5 & < 3 |
| Outstanding Shares: last quarter (52.9m) vs 12m ago -0.38% < -2% |
| Gross Margin: 80.09% > 18% (prev 77.35%; Δ 2.74% > 0.5%) |
| Asset Turnover: 6.08% > 50% (prev 5.87%; Δ 0.22% > 0%) |
| Interest Coverage Ratio: 1.60 > 6 (EBIT TTM 300.5m / Interest Expense TTM 187.6m) |
| A: 0.25 (Total Current Assets 4.78b - Total Current Liabilities 330.4m) / Total Assets 17.8b |
| B: 0.08 (Retained Earnings 1.46b / Total Assets 17.8b) |
| C: 0.02 (EBIT TTM 300.5m / Avg Total Assets 17.2b) |
| D: 0.13 (Book Value of Equity 2.07b / Total Liabilities 15.7b) |
| Altman-Z'' = 2.17 = BBB |
| DSRI: 0.99 (Receivables 60.9m/57.6m, Revenue 1.05b/977.4m) |
| GMI: 0.97 (GM 77.35% / 80.09%) |
| AQI: 0.87 (AQ_t 0.72 / AQ_t-1 0.82) |
| SGI: 1.07 (Revenue 1.05b / 977.4m) |
| TATA: -0.00 (NI 228.1m - CFO 308.3m) / TA 17.8b) |
| Beneish M = -3.09 (Cap -4..+1) = AA |
As of October 06, 2026, the stock is trading at USD 60.13 with a total of 307,102 shares traded. Over the past week, the price has changed by -0.60%, over one month by -4.04%, over three months by -10.37% and over the past year by +5.09%.
Current recommended Stop Loss: 58.70 (which is 2.4% or 1.2 ATR below the current price).
Community Bank System has received a consensus analysts rating of 3.33. Therefore, it is recommended to hold CBU.
- StrongBuy: 1
- Buy: 0
- Hold: 5
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 70.2 | 16.7% |
P/E Trailing = 14.3002
P/E Forward = 15.7729
P/S = 3.7973
P/B = 1.5934
P/EG = 2.6248
Revenue TTM = 1.05b USD
EBIT TTM = 300.5m USD
EBITDA TTM = 336.6m USD
Long Term Debt = 433.7m USD (from longTermDebt, last quarter)
Short Term Debt = 330.4m USD (from shortTermDebt, last quarter)
Debt = 764.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -4.02b USD (calculated: Debt 764.0m - CCE 4.78b)
Enterprise Value = 3.18b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 1.60 (Ebit TTM 300.5m / Interest Expense TTM 187.6m)
EV/FCF = 13.76x (Enterprise Value 3.18b / FCF TTM 231.3m)
FCF Yield = 7.27% (FCF TTM 231.3m / Enterprise Value 3.18b)
FCF Margin = 22.09% (FCF TTM 231.3m / Revenue TTM 1.05b)
Net Margin = 21.79% (Net Income TTM 228.1m / Revenue TTM 1.05b)
Gross Margin = 80.09% ((Revenue TTM 1.05b - Cost of Revenue TTM 208.4m) / Revenue TTM)
Gross Margin QoQ = 81.44% (prev 80.31%)
Tobins Q-Ratio = 0.18 (Enterprise Value 3.18b / Total Assets 17.8b)
Interest Expense / Debt = 24.56% (Interest Expense 187.6m / Debt 764.0m)
Taxrate = 24.11% (72.5m / 300.5m)
NOPAT = 228.1m (EBIT 300.5m * (1 - 24.11%))
Current Ratio = 14.48 (Total Current Assets 4.78b / Total Current Liabilities 330.4m)
Debt / Equity = 0.37 (Debt 764.0m / totalStockholderEquity, last quarter 2.07b)
Debt / EBITDA = -11.94 (Net Debt -4.02b / EBITDA 336.6m)
Debt / FCF = -17.38 (Net Debt -4.02b / FCF TTM 231.3m)
Total Stockholder Equity = 2.01b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.32% (Net Income 228.1m / Total Assets 17.8b)
RoE = 11.34% (Net Income TTM 228.1m / Total Stockholder Equity 2.01b)
RoCE = 12.30% (EBIT 300.5m / Capital Employed (Equity 2.01b + L.T.Debt 433.7m))
RoIC = 1.29% (NOPAT 228.1m / Invested Capital 17.7b)
WACC = 10.77% (E(3.18b)/V(3.95b) * Re(8.88%) + D(764.0m)/V(3.95b) * Rd(24.56%) * (1-Tc(0.24)))
Discount Rate = 8.88% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -27.21 | Cagr: -0.46%
[DCF] Terminal Value 70.56% ; FCFF base≈218.3m ; Y1≈250.2m ; Y5≈368.3m
[DCF] Fair Price = 150.1 (EV 3.88b - Net Debt -4.02b = Equity 7.90b / Shares 52.6m; r=10.77% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 86.88 | EPS CAGR: 10.54% | SUE: -0.63 | # QB: 0
Revenue Correlation: 95.24 | Revenue CAGR: 13.26% | SUE: 0.68 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.19 | Chg30d=+0.42% | Revisions=-57% | Analysts=6
EPS current Year (2026-12-31): EPS=4.59 | Chg30d=+0.18% | Revisions=-44% | GrowthEPS=+13.7% | GrowthRev=+9.5%
EPS next Year (2027-12-31): EPS=5.19 | Chg30d=+0.00% | Revisions=-62% | GrowthEPS=+12.9% | GrowthRev=+7.6%
[Analyst] Revisions Ratio: -72% (up=1, down=14)