CBU Stock Analysis: Community Bank System | NYSE
Banks - Regional | NYSE, USA | Market Cap: 3.214m USD | 12M Return: 6.6% | US2036071064 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 15.4M
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 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: 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 September 27, 2026, the stock is trading at USD 61.57 with a total of 413,584 shares traded. Over the past week, the price has changed by -0.69%, over one month by -1.40%, over three months by -8.39% and over the past year by +6.60%.
Current recommended Stop Loss: 60.20 (which is 2.2% or 1.3 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 | 14% |
P/E Trailing = 14.174
P/E Forward = 15.7729
P/S = 3.835
P/B = 1.5738
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 = 3.21b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 1.60 (Ebit TTM 300.5m / Interest Expense TTM 187.6m)
EV/FCF = 13.90x (Enterprise Value 3.21b / FCF TTM 231.3m)
FCF Yield = 7.19% (FCF TTM 231.3m / Enterprise Value 3.21b)
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 3.21b / 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 = 10.75% (E(3.21b)/V(3.98b) * Re(8.88%) + D(764.0m)/V(3.98b) * 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 70.60% ; FCFF base≈218.3m ; Y1≈250.2m ; Y5≈368.3m
[DCF] Fair Price = 150.2 (EV 3.89b - Net Debt -4.02b = Equity 7.91b / Shares 52.6m; r=10.75% [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=-4.44% | Revisions=-57% | Analysts=6
EPS current Year (2026-12-31): EPS=4.58 | Chg30d=-3.55% | Revisions=-44% | GrowthEPS=+13.5% | GrowthRev=+9.5%
EPS next Year (2027-12-31): EPS=5.19 | Chg30d=-3.20% | Revisions=-62% | GrowthEPS=+13.1% | GrowthRev=+7.6%
[Analyst] Revisions Ratio: -72% (up=1, down=14)