CBU Stock Analysis: Community Bank System | NYSE
Banks - Regional | NYSE, USA | Market Cap: 3.553m USD | 12M Return: 16.7% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 22.6M
EPS Trend: 70.0%
Qual. Beats: 0
Rev. Trend: 96.3%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 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 a U.S. bank holding company operating primarily through Community Bank, N.A., which provides banking and financial services to retail, commercial, institutional, and governmental customers. Its operations are organized into four segments: Banking (lending, deposits, treasury management, and payment processing), Employee Benefit Services (retirement, HSA, actuarial, and fund administration), Insurance Services (personal, commercial, and employee benefit lines), and Wealth Management (trust, fiduciary, and investment advisory services). Founded in 1866, the company is headquartered in Syracuse, New York, and is listed on the NYSE as a mid-cap regional bank within the Financials sector. As a regional bank holding company, it is subject to regulation by the Federal Reserve and operates under a community banking model that emphasizes local relationship-based lending and deposit gathering alongside fee-generating financial services.
- Net interest margin trends drive core banking profitability
- Fee income diversifies revenue across benefit and insurance segments
- M&A activity expands Upstate New York banking footprint
| 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 77.17%; Δ 2.28% > 0.5%) |
| Asset Turnover: 5.95% > 50% (prev 5.74%; Δ 0.21% > 0%) |
| Interest Coverage Ratio: 1.50 > 6 (EBIT TTM 285.7m / 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: 0.13 (Book Value of Equity 2.02b / Total Liabilities 15.7b) |
| Altman-Z'' = 0.64 = B |
| DSRI: 0.99 (Receivables 56.6m/53.5m, Revenue 1.03b/961.5m) |
| GMI: 0.97 (GM 77.17% / 79.45%) |
| 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 = -3.00 (Cap -4..+1) = AA |
As of July 08, 2026, the stock is trading at USD 66.85 with a total of 172,545 shares traded. Over the past week, the price has changed by +0.04%, over one month by +5.36%, over three months by +11.49% and over the past year by +16.66%.
Current recommended Stop Loss: 62.80 (which is 6.1% or 2.6 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 | 68.5 | 2.5% |
P/E Trailing = 16.4102
P/E Forward = 15.7729
P/S = 4.3611
P/B = 1.7556
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 = 3.63b USD (3.55b + Debt 647.3m - CCE 572.2m)
Interest Coverage Ratio = 1.50 (Ebit TTM 285.7m / Interest Expense TTM 190.6m)
EV/FCF = 16.04x (Enterprise Value 3.63b / FCF TTM 226.3m)
FCF Yield = 6.24% (FCF TTM 226.3m / Enterprise Value 3.63b)
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 = 0.20 (Enterprise Value 3.63b / Total Assets 17.7b)
Interest Expense / Debt = 29.44% (Interest Expense 190.6m / Debt 647.3m)
Taxrate = 23.69% (67.7m / 285.7m)
NOPAT = 218.1m (EBIT 285.7m * (1 - 23.69%))
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 = 1.23% (NOPAT 218.1m / Invested Capital 17.7b)
WACC = 10.73% (E(3.55b)/V(4.20b) * Re(8.59%) + D(647.3m)/V(4.20b) * Rd(29.44%) * (1-Tc(0.24)))
Discount Rate = 8.59% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -24.44 | Cagr: -0.58%
[DCF] Terminal Value 70.68% ; FCFF base≈214.2m ; Y1≈245.6m ; Y5≈361.4m
[DCF] Fair Price = 71.39 (EV 3.83b - Net Debt 75.2m = Equity 3.75b / Shares 52.6m; r=10.73% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 69.97 | EPS CAGR: 6.99% | SUE: -0.21 | # QB: 0
Revenue Correlation: 96.27 | Revenue CAGR: 15.09% | SUE: 0.62 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.17 | Chg30d=-0.57% | Revisions=+44% | Analysts=6
EPS next Quarter (2026-09-30): EPS=1.24 | Chg30d=-0.80% | Revisions=+38% | Analysts=6
EPS current Year (2026-12-31): EPS=4.76 | Chg30d=-0.56% | Revisions=+40% | GrowthEPS=+17.9% | GrowthRev=+9.4%
EPS next Year (2027-12-31): EPS=5.35 | Chg30d=-0.62% | Revisions=+29% | GrowthEPS=+12.4% | GrowthRev=+7.8%
[Analyst] Revisions Ratio: +55% (up=14, down=3)