CBU

NEUTRAL

$62.32 Live

Community Financial System, Inc. · NYSE

Target $67.17 (+7.8%)

$51.12 52W Range $67.5

CBU Community Financial System, Inc. - Fundamental Analysis

NEUTRAL

Console Chart News

CBU Stock | Fundamental Analysis & Investment Insights

NYSE • Financial Services • Banks - Regional

Current Price Live

$62.32

Analyst Target

$67.17

+7.8% Upside

52W High

$67.5

52W Low

$51.12

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 25, 2026

Market cap

$3.27B

P/E

15.7

ROE

11.2%

Profit margin

26.4%

Debt/Equity

N/A

Dividend yield

3.02%

AI Analysis

AI-powered fundamental assessment

Confidence

85%

CBU presents a stable but stagnant profile, anchored by a Piotroski F-Score of 4/9, indicating mediocre financial health. While the current price of $62.32 sits slightly above the Graham Number ($58.32) but well below the growth-based intrinsic value ($85.55), valuation is tempered by a high PEG ratio of 2.62. Recent earnings performance is disappointing, with only one beat in the last four quarters and a bearish insider sentiment. The stock is currently a hold, balancing steady dividend payouts against weakening internal momentum.

Key Strengths

Consistent revenue growth of 10.70% YoY

Sustainable dividend payout ratio of 46.85%

Positive ROE of 11.17% and ROA of 1.25%

Trading significantly below the growth-based intrinsic value of $85.55

Strong 3-year price appreciation of 49.7%

Key Risks

Bearish insider activity with four recent sales and zero buys

Poor earnings track record (only 1 of last 4 quarters beat estimates)

High PEG ratio (2.62) suggesting overvaluation relative to growth

Technical trend score of 0/100 indicating bearish momentum

Piotroski F-Score of 4/9 suggests only 'stable' rather than 'strong' health

AI Fair Value Estimate

Based on comprehensive analysis

$71.94

+15.4% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Strong

Value

Future

Past

Health

Dividend

AI Verdict

Neutral/Hold

Key drivers: Stable dividends, Bearish insider sentiment, Mediocre Piotroski score, Earnings misses

Confidence

90%

Value

62/100

Ref P/E 15.70, PEG 2.62, Graham Number $58.32

Positives

Price is close to Graham Number
Forward P/E (11.62) is lower than trailing P/E

Watchpoints

PEG ratio of 2.62 is high for the sector
Price/Book of 1.64 is moderate

Future

55/100

Ref Growth rates and Earnings track record

Positives

Steady YoY revenue growth (~10%)

Watchpoints

Negative average earnings surprise (-2.92%)
Recent Q/Q EPS growth decline (-5.5%)

Past

70/100

Ref Historical price performance

Positives

Strong 3-year return of 49.7%
Positive 1-year return of 15.5%

Watchpoints

Negative 5-year change (-6.2%)

Health

50/100

Ref Piotroski F-Score 4/9

Positives

Piotroski score in the 'Stable' range

Watchpoints

F-Score of 4/9 is not indicative of high financial strength
Lack of Altman Z-Score data (typical for banks)

Dividend

75/100

Ref Yield 3.02%, Payout 46.85%

Positives

Healthy 3.02% yield
Conservative payout ratio (46.85%)

Watchpoints

Dividend strength score is only 50/100

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$62.32

Analyst Target

$67.17

Upside/Downside

+7.8%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for CBU and closest competitors.

Updated 2026-04-24

Company	5Y	3Y	1Y	6M	1M	1W
CBU Community Financial System, Inc. Primary	-6.2%	+49.7%	+15.5%	+10.3%	+8.2%	-1.6%
WSBC WesBanco, Inc. Peer	+14.0%	+37.6%	+20.7%	+13.6%	+0.7%	-4.2%
MCHB Mechanics Bancorp Peer	-60.0%	-9.9%	+46.3%	+13.1%	+4.8%	-0.4%
TOWN TowneBank Peer	+34.9%	+65.0%	+10.1%	+6.1%	+6.6%	-3.1%
GBDC Golub Capital BDC, Inc. Peer	+36.8%	+33.6%	-0.4%	-1.4%	+6.1%	-0.9%

CBU

Community Financial System, Inc.

Primary

-6.2%

+49.7%

+15.5%

+10.3%

+8.2%

-1.6%

WSB

WesBanco, Inc.

Peer

+14.0%

+37.6%

+20.7%

+13.6%

+0.7%

-4.2%

MCH

Mechanics Bancorp

Peer

-60.0%

-9.9%

+46.3%

+13.1%

+4.8%

-0.4%

TOW

TowneBank

Peer

+34.9%

+65.0%

+10.1%

+6.1%

+6.6%

-3.1%

GBD

Golub Capital BDC, Inc.

Peer

+36.8%

+33.6%

-0.4%

-1.4%

+6.1%

-0.9%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

15.7

11.62

2.62

1.64

4.11

4.69

N/A

$3.27B

Profitability

Profit margins and return metrics

Profit Margin 26.42%

Operating Margin 34.95%

Gross Margin N/A

ROE 11.17%

ROA 1.25%

Growth

Revenue and earnings growth rates

Revenue Growth +10.7%

Earnings Growth +9.7%

Q/Q Revenue Growth +9.91%

Q/Q Earnings Growth +9.3%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Cash/Share

$5.87

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue

$0.2B

Net Margin

25.2%

Total Assets

$17.3B

Liabilities

$15.3B

Equity

$2.0B

Debt/Equity

7.63x

Operating CF

$0.1B

CapEx

$-0.0B

Free Cash Flow

$0.1B

FCF Yield

73%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-29

$N/A

2026-01-27

$1.03

-8.8% surprise

2025-10-21

$1.09

+4.1% surprise

2025-07-22

$0.97

-4.0% surprise

Financial Services Sector Comparison

Comparing CBU against 648 companies in the Financial Services sector (117 bullish, 268 neutral, 263 bearish)

P/E Ratio

15.7

This Stock

38.87

Sector Avg

-59.6% (Discount)

Return on Equity (ROE)

11.17%

This Stock

-1.01%

Sector Avg

-1206.8% (Below Avg)

Profit Margin

26.42%

This Stock

57.27%

Sector Avg

-53.9% (Weaker)

Revenue Growth

10.7%

This Stock

40.3%

Sector Avg

-73.4% (Slower)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
CBU Community Financial System, Inc.	NEUTRAL	$3.27B	15.7	11.2%	26.4%	$62.32
WSBC WesBanco, Inc.	NEUTRAL	$3.28B	10.46	8.2%	30.9%	$34.1	Compare
MCHB Mechanics Bancorp	NEUTRAL	$3.3B	12.21	10.3%	41.3%	$14.9	Compare
TOWN TowneBank	NEUTRAL	$3.25B	15.93	6.6%	19.0%	$35.2	Compare
GBDC Golub Capital BDC, Inc.	BEARISH	$3.31B	10.06	8.3%	38.6%	$12.58	Compare

CBU Community...

NEUTRAL

Mkt Cap

$3.3B

P/E

15.7

ROE

11.2%

Price

$62.32

Compare with CBU

MCHB Mechanics Bancorp

Compare with CBU

Compare with CBU

GBDC Golub Capital BDC, Inc.

Compare with CBU

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-03-19	KNAUSS JEFFERY J	Director	Stock Award	1,254	-
2026-03-19	STEELE SALLY A	Director	Stock Award	1,254	-
2026-03-19	PECOR RAYMOND C III	Director	Stock Award	1,254	-
2026-03-19	PARENTE JOHN	Director	Stock Award	1,254	-
2026-03-16	STICKELS ERIC E	Director	Stock Award	250	-
2026-03-04	KARAIVANOV DIMITAR	Chief Executive Officer	Stock Award	5,224	-
2026-03-04	GILLAN-MYER MAUREEN A	Officer	Stock Award	2,562	-
2026-03-04	ABDO MICHAEL N.	General Counsel	Stock Award	1,948	-
2026-02-04	WHIPPLE JOHN F JR	Director	Sale	4,246	$276,704
2026-02-04	WHIPPLE JOHN F JR	Director	Option Exercise	4,246	$161,433
2026-02-03	STEELE SALLY A	Director	Sale	4,000	$256,480
2026-02-03	STEELE SALLY A	Director	Stock Award	4,000	-
2026-02-03	STICKELS ERIC E	Director	Sale	2,000	$129,492
2026-01-30	ABDO MICHAEL N.	General Counsel	Option Exercise	2,287	$86,952
2025-12-29	GILLAN-MYER MAUREEN A	Officer	Sale	3,450	$203,054

KNAUSS JEFFERY J

Director

Stock Award

2026-03-19

1,254 shares

STEELE SALLY A

Director

Stock Award

2026-03-19

1,254 shares

PECOR RAYMOND C III

Director

Stock Award

2026-03-19

1,254 shares

PARENTE JOHN

Director

Stock Award

2026-03-19

1,254 shares

STICKELS ERIC E

Director

Stock Award

2026-03-16

250 shares

KARAIVANOV DIMITAR

Chief Executive Officer

Stock Award

2026-03-04

5,224 shares

GILLAN-MYER MAUREEN A

Officer

Stock Award

2026-03-04

2,562 shares

ABDO MICHAEL N.

General Counsel

Stock Award

2026-03-04

1,948 shares

WHIPPLE JOHN F JR

Director

Sell

2026-02-04

4,246 shares · $276,704

WHIPPLE JOHN F JR

Director

Option Exercise

2026-02-04

4,246 shares · $161,433

STEELE SALLY A

Director

Sell

2026-02-03

4,000 shares · $256,480

STEELE SALLY A

Director

Stock Award

2026-02-03

4,000 shares

STICKELS ERIC E

Director

Sell

2026-02-03

2,000 shares · $129,492

ABDO MICHAEL N.

General Counsel

Option Exercise

2026-01-30

2,287 shares · $86,952

GILLAN-MYER MAUREEN A

Officer

Sell

2025-12-29

3,450 shares · $203,054

Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

DEF 14A

2026-03-27

CBU filed a definitive proxy statement on March 27, 2026, providing shareholders with necessary information and voting materials for an upcoming meeting.

10-K

2026-02-27

Community Financial System, Inc. filed its annual 10-K on February 27, 2026, which includes standard consolidated financial statements and management's discussion of operations. While specific financial metrics were not provided in the excerpts, the filing contains dedicated sections for risk factors, cybersecurity, and market risk disclosures.

8-K

FORM 8-K

2026-02-11

CBU filed an 8-K on February 11, 2026, likely to announce its financial results for the preceding fiscal period.

8-K

FORM 8-K

2026-02-11

CBU filed an 8-K on February 11, 2026, likely to announce its financial results for the preceding fiscal period.

8-K

FORM 8-K

2026-01-27

CBU filed an 8-K on January 27, 2026, likely to announce its fourth-quarter and full-year financial results.

8-K

FORM 8-K

2026-01-15

8-K

FORM 8-K

2026-01-06

CBU filed a current report on January 6, 2026, likely announcing its year-end financial results.

8-K

FORM 8-K

2025-11-12

CBU filed a Form 8-K on November 12, 2025, likely to announce its third-quarter financial results.

8-K

FORM 8-K

2025-11-10

10-Q

2025-11-06

CBU's filing identifies significant risks related to banking industry instability, including potential bank failures and subsequent regulatory responses. Additionally, the company notes exposure to macroeconomic volatility, specifically regarding unemployment rates and fluctuations in housing and vehicle prices.

8-K

FORM 8-K

2025-10-21

8-K

FORM 8-K

2025-09-18

8-K

FORM 8-K

2025-09-08

10-Q

2025-08-08

8-K

FORM 8-K

2025-07-23

Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus

NONE

6 analysts

DA Davidson

2026-02-25

init

Neutral

Janney Montgomery Scott

2026-01-13

down

Buy Neutral

Past News Coverage

Recent headlines mentioning CBU from our newsroom.

Newest → oldest

Back to All Stocks

TradingGPT V2 Copilot

Fundamentals • Valuation • Risk

Hi! I'm your fundamentals copilot.

Ask me to:
• Summarize the business quality
• Review valuation and multiples
• Highlight risks and red flags
• Explain growth and margin trends

CBU

CBU Community Financial System, Inc. - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Recent Insider Trading

SEC Filings

Wall Street Analysts

Past News Coverage

Wait — Don't Miss Out!