(CBU) Community Bank System - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 3.244m USD | Total Return: 16.9% in 12m
Avg Turnover: 12.5M
EPS Trend: 69.3%
Qual. Beats: 0
Rev. Trend: 96.3%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Confidence
Community Financial System, Inc. (CBU) is a financial holding company headquartered in Syracuse, New York, providing a diversified suite of services through four primary business segments: Banking, Employee Benefit Services, Insurance Services, and Wealth Management Services. Founded in 1866, the firm operates as a regional bank holding company, balancing traditional lending and deposit activities with non-interest income streams such as retirement plan administration and risk management.
The company utilizes a diversified revenue model designed to mitigate the cyclical risks associated with interest rate fluctuations, a common strategy among regional banks seeking stable fee-based income. In the current economic environment, regional banks often focus on localized commercial and retail lending while competing with larger institutions through specialized services like fiduciary and actuarial consulting. For more detailed insights into these business segments, consider reviewing the latest performance metrics on ValueRay.
- Net interest margin sensitivity to Federal Reserve benchmark interest rate fluctuations
- Growth in non-banking revenue from employee benefit and insurance services segments
- Credit quality performance within the Northeast commercial and consumer loan portfolios
- Operating leverage improvements through digital banking transition and branch network optimization
- Regulatory compliance costs associated with crossing the ten billion dollar asset threshold
| Net Income: 218.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.10 > 1.0 |
| NWC/Revenue: 36.18% < 20% (prev -1.38k%; Δ 1.42k% < -1%) |
| CFO/TA 0.02 > 3% & CFO 310.9m > Net Income 218.1m |
| Net Debt (75.2m) to EBITDA (318.3m): 0.24 < 3 |
| Current Ratio: 2.85 > 1.5 & < 3 |
| Outstanding Shares: last quarter (53.0m) vs 12m ago 0.35% < -2% |
| Gross Margin: 79.45% > 18% (prev 0.77%; Δ 7.87k% > 0.5%) |
| Asset Turnover: 5.95% > 50% (prev 5.74%; Δ 0.21% > 0%) |
| Interest Coverage Ratio: 1.50 > 6 (EBITDA TTM 318.3m / Interest Expense TTM 190.6m) |
| A: 0.02 (Total Current Assets 572.2m - Total Current Liabilities 201.0m) / Total Assets 17.7b |
| B: 0.08 (Retained Earnings 1.42b / Total Assets 17.7b) |
| C: 0.02 (EBIT TTM 285.7m / Avg Total Assets 17.3b) |
| D: 0.09 (Book Value of Equity 1.42b / Total Liabilities 15.7b) |
| Altman-Z'' = 0.60 = B |
| DSRI: 0.99 (Receivables 56.6m/53.5m, Revenue 1.03b/961.5m) |
| GMI: 0.97 (GM 79.45% / 77.17%) |
| AQI: 1.02 (AQ_t 0.95 / AQ_t-1 0.94) |
| SGI: 1.07 (Revenue 1.03b / 961.5m) |
| TATA: -0.01 (NI 218.1m - CFO 310.9m) / TA 17.7b) |
| Beneish M = -3.01 (Cap -4..+1) = AA |
As of May 24, 2026, the stock is trading at USD 63.16 with a total of 197,943 shares traded.
Over the past week, the price has changed by +2.74%,
over one month by +1.55%,
over three months by +1.80% and
over the past year by +16.85%.
Community Bank System has received a consensus analysts rating of 3.67. Therefore, it is recommended to hold CBU.
- StrongBuy: 2
- Buy: 0
- Hold: 4
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 68.5 | 8.5% |
P/E Forward = 13.2626
P/S = 4.0289
P/B = 1.6026
P/EG = 2.6248
Revenue TTM = 1.03b USD
EBIT TTM = 285.7m USD
EBITDA TTM = 318.3m USD
Long Term Debt = 446.3m USD (from longTermDebt, last quarter)
Short Term Debt = 201.0m USD (from shortTermDebt, last quarter)
Debt = 647.3m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 75.2m USD (calculated: Debt 647.3m - CCE 572.2m)
Enterprise Value = 3.32b USD (3.24b + Debt 647.3m - CCE 572.2m)
Interest Coverage Ratio = 1.50 (Ebit TTM 285.7m / Interest Expense TTM 190.6m)
EV/FCF = 14.67x (Enterprise Value 3.32b / FCF TTM 226.3m)
FCF Yield = 6.82% (FCF TTM 226.3m / Enterprise Value 3.32b)
FCF Margin = 22.06% (FCF TTM 226.3m / Revenue TTM 1.03b)
Net Margin = 21.26% (Net Income TTM 218.1m / Revenue TTM 1.03b)
Gross Margin = 79.45% ((Revenue TTM 1.03b - Cost of Revenue TTM 210.9m) / Revenue TTM)
Gross Margin QoQ = 80.31% (prev 79.90%)
Tobins Q-Ratio = 0.19 (Enterprise Value 3.32b / Total Assets 17.7b)
Interest Expense / Debt = 29.44% (Interest Expense 190.6m / Debt 647.3m)
Taxrate = 23.31% (17.4m / 74.6m)
NOPAT = 219.1m (EBIT 285.7m * (1 - 23.31%))
Current Ratio = 2.85 (Total Current Assets 572.2m / Total Current Liabilities 201.0m)
Debt / Equity = 0.32 (Debt 647.3m / totalStockholderEquity, last quarter 2.02b)
Debt / EBITDA = 0.24 (Net Debt 75.2m / EBITDA 318.3m)
Debt / FCF = 0.33 (Net Debt 75.2m / FCF TTM 226.3m)
Total Stockholder Equity = 1.96b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.26% (Net Income 218.1m / Total Assets 17.7b)
RoE = 11.11% (Net Income TTM 218.1m / Total Stockholder Equity 1.96b)
RoCE = 11.86% (EBIT 285.7m / Capital Employed (Equity 1.96b + L.T.Debt 446.3m))
RoIC = 1.25% (NOPAT 219.1m / Invested Capital 17.6b)
WACC = 11.38% (E(3.24b)/V(3.89b) * Re(9.14%) + D(647.3m)/V(3.89b) * Rd(29.44%) * (1-Tc(0.23)))
Discount Rate = 9.14% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -24.44 | Cagr: -0.58%
[DCF] Terminal Value 68.83% ; FCFF base≈214.2m ; Y1≈245.6m ; Y5≈361.4m
[DCF] Fair Price = 65.91 (EV 3.54b - Net Debt 75.2m = Equity 3.46b / Shares 52.6m; r=11.38% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 69.27 | EPS CAGR: 6.75% | SUE: -0.20 | # QB: 0
Revenue Correlation: 96.27 | Revenue CAGR: 15.09% | SUE: 0.62 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.18 | Chg30d=+2.61% | Revisions=+40% | Analysts=6
EPS next Quarter (2026-09-30): EPS=1.25 | Chg30d=+2.88% | Revisions=+33% | Analysts=6
EPS current Year (2026-12-31): EPS=4.79 | Chg30d=+1.95% | Revisions=+56% | GrowthEPS=+18.5% | GrowthRev=+9.7%
EPS next Year (2027-12-31): EPS=5.38 | Chg30d=+0.50% | Revisions=+25% | GrowthEPS=+12.4% | GrowthRev=+7.8%
[Analyst] Revisions Ratio: +56%