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CBU Quote, Financials, Valuation and Earnings
Last price:
$53.98
Seasonality move
:
3.81%
Day range:
$54.41 - $56.72
52-week range:
$49.44 - $73.39
Dividend yield:
3.38%
P/E ratio:
14.12x
P/S ratio:
2.91x
P/B ratio:
1.49x
Volume:
250.2K
Avg. volume:
211.4K
1-year change:
-20.83%
Market cap:
$2.9B
Revenue:
$943.9M
EPS (TTM):
$3.87
Analysts' Opinion
-
Consensus RatingCommunity Financial System, Inc. has received a consensus rating of Leans Bullish. The company's average rating is a Leans Bullish based on 2 Buy ratings, 2 Hold ratings, and 0 Sell ratings.
-
Price Target UpsideAccording to analysts' consensus price target of $68.00, Community Financial System, Inc. has an estimated upside of 24.36% from its current price of $54.68.
-
Price Target DownsideAccording to analysts, the lowest downside price target is $66.00 representing 100% downside risk from its current price of $54.68.
Fair Value
-
According to the consensus of 4 analysts, Community Financial System, Inc. has 24.36% upside to fair value with a price target of $68.00 per share.
CBU vs. S&P 500
-
Over the past 5 trading days, Community Financial System, Inc. has underperformed the S&P 500 by -0.54% suggesting its relative strength compared to the major market average is weak at this time.
Share Buyback
-
Community Financial System, Inc. does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.
Revenue Growth
-
Community Financial System, Inc. has grown year-over-year revenues for 10 quarters straight. In the most recent quarter Community Financial System, Inc. reported revenues of $255.9M.
Earnings Growth
-
Community Financial System, Inc. has grown year-over-year earnings for 7 quarters straight. In the most recent quarter Community Financial System, Inc. reported earnings per share of $1.04.
Enterprise value:
3.6B
EV / Invested capital:
1.35x
Price / LTM sales:
2.91x
EV / EBIT:
7.87x
EV / Revenue:
3.67x
PEG ratio (5yr expected):
0.69x
EV / Free cash flow:
15.82x
Price / Operating cash flow:
12.56x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
1.23%
Net Income Margin (TTM):
20.64%
Return On Equity:
11.13%
Return On Invested Capital:
7.47%
Operating Margin:
32.08%
| Trailing 12 Months | Fiscal Quarters | |||||
|---|---|---|---|---|---|---|
| Period Ending | 2023-09-30 | 2024-09-30 | 2025-09-30 | 2024-09-30 | 2025-09-30 | |
| Income Statement | ||||||
| Revenue | $730.2M | $907.3M | $992.8M | $240M | $255.9M | |
| Gross Profit | -- | -- | -- | -- | -- | |
| Operating Income | $192.8M | $225.2M | $278.9M | $57M | $82.1M | |
| EBITDA | -- | -- | -- | -- | -- | |
| Diluted EPS | $2.79 | $3.21 | $3.87 | $0.83 | $1.04 | |
| Period Ending | 2021-09-30 | 2022-09-30 | 2023-09-30 | 2024-09-30 | 2025-09-30 | |
|---|---|---|---|---|---|---|
| Balance Sheet | ||||||
| Current Assets | $2.4B | $289.5M | $503.3M | $399.2M | $305.4M | |
| Total Assets | $15.3B | $15.6B | $15.4B | $16.4B | $17B | |
| Current Liabilities | $4.2B | $4.6B | $4.1B | $3.9B | $4B | |
| Total Liabilities | $13.3B | $14.1B | $13.8B | $14.6B | $15B | |
| Total Equity | $2.1B | $1.5B | $1.6B | $1.8B | $1.9B | |
| Total Debt | $323M | $142.5M | $316.8M | $631M | $471.3M | |
| Trailing 12 Months | Fiscal Quarters | |||||
|---|---|---|---|---|---|---|
| Period Ending | 2023-09-30 | 2024-09-30 | 2025-09-30 | 2024-09-30 | 2025-09-30 | |
| Cash Flow Statement | ||||||
| Cash Flow Operations | $255.3M | $221.2M | $283M | $56.9M | $101.1M | |
| Cash From Investing | $378.8M | -$921.9M | -$676.4M | -$239.1M | -$281.8M | |
| Cash From Financing | -$425.7M | $590.9M | $292.5M | $326.8M | $188.7M | |
| Free Cash Flow | $236.6M | $203M | $230.3M | $51.9M | $83.4M | |
CBU
Sector
Market Cap
$2.9B
$548.7M
Price % of 52-Week High
74.51%
86.96%
Dividend Yield
3.38%
1.66%
Shareholder Yield
4.32%
3.23%
1-Year Price Total Return
-20.83%
0.99%
Beta (5-Year)
0.791
0.541
Dividend yield:
3.38%
Annualized payout:
$1.82
Payout ratio:
45.25%
Growth streak:
27 years
Technicals
8-day SMA
Sell
Level
$56.44
200-day SMA
Sell
Level
$57.66
Bollinger Bands (100)
Sell
Level
55.29 - 59.69
Chaikin Money Flow
Buy
Level
82.6M
20-day SMA
Sell
Level
$56.43
Relative Strength Index (RSI14)
Sell
Level
38.61
ADX Line
Sell
Level
12.59
Williams %R
Buy
Level
-89.8004
50-day SMA
Sell
Level
$57.65
MACD (12, 26)
Sell
Level
-0.37
25-day Aroon Oscillator
Sell
Level
-56
On Balance Volume
Neutral
Level
53.7M
Financial Scores
Sell
Altman Z-Score
(Annual)
Level (-0.2031)
Sell
CA Score
(Annual)
Level (-2.1226)
--
Beneish M-Score
(Annual)
Level (--)
Buy
Momentum Score
Level (6)
Sell
Ohlson Score
Level (4.8671)
Buy
Piotroski F Score
(Annual)
Level (6)
Buy
Quality Ratio Score
Level (2)
Buy
Fundamental Score
Level (8)
Revenue Forecast
Earnings per Share Forecast
Company Profile
Community Financial System, Inc. is a holding company, which engages in the provision of retail, business, and municipal banking services. It operates through the following segments: Banking, Employee Benefit Services, and All Other. The Banking segment offers lending and depository-related products and services to individuals, businesses, and municipal enterprises. The Employee Benefit Services segment provides employee benefit trust services, collective investment funds, fund administration, transfer agency, retirement plan and VEBA/HRA, and health savings account plan administration services, actuarial services, and healthcare consulting services. The All Other segment consists of wealth management and insurance services. The company was founded on April 15, 1983 and is headquartered in DeWitt, NY.
Stock Forecast FAQ
In the current month, CBU has received 2 Buy ratings 2 Hold ratings, and 0 Sell ratings. The CBU average analyst price target in the past 3 months is $68.00.
-
Where Will Community Financial System, Inc. Stock Be In 1 Year?
According to analysts, the consensus estimate is that Community Financial System, Inc. share price will rise to $68.00 per share over the next 12 months.
-
What Do Analysts Say About Community Financial System, Inc.?
Analysts are divided on their view about Community Financial System, Inc. share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that Community Financial System, Inc. is a Sell and believe this share price will drop from its current level to $66.00.
-
What Is Community Financial System, Inc.'s Price Target?
The price target for Community Financial System, Inc. over the next 1-year time period is forecast to be $68.00 according to 4 Wall Street analysts, 2 of them rate the stock a Buy, 0 rate the stock a Sell, and 2 analysts rate the stock a Hold.
-
Is CBU A Buy, Sell Or Hold?
According to Wall Street analysts, the consensus rating for Community Financial System, Inc. is a Leans Bullish. 2 of 4 analysts rate the stock a Leans Bullish at this time.
-
How Can I Buy Shares Of CBU?
You can purchase shares of Community Financial System, Inc. via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase Community Financial System, Inc. shares.
-
What Is The Community Financial System, Inc. Share Price Today?
Community Financial System, Inc. was last trading at $53.98 per share. This represents the most recent stock quote for Community Financial System, Inc.. Yesterday, Community Financial System, Inc. closed at $54.68 per share.
-
How To Buy Community Financial System, Inc. Stock Online?
In order to purchase Community Financial System, Inc. stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.
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Financial Ratios
CBU
Sector
P/E ratio
14.12x
11.45x
PEG ratio
0.69x
0.31x
P/B ratio
1.49x
1.04x
Price / LTM sales
2.91x
1.72x
Growth Metrics
CBU
Sector
Revenue growth
6.64%
5.5%
Earnings growth
25.19%
13.51%
Revenue (5-year growth)
8.9%
8.9%
Earnings forecast
$1.05
$0.62
Profitability
CBU
Sector
Profitability FY 2024
--
--
Return on invested capital
7.47%
5.04%
Return on assets
1.23%
1.02%
Return on equity
11.13%
9.7%
Earnings Date
Last Earnings Date
Oct
21
Next Earnings Date
Jan
20
Estimated Next Earnings Date
Jan
20
Balance Sheet
CBU
Sector
Total cash
$2.7B
$439.7M
Short term investments
$317.1M
$211.5M
Total assets
$16.5B
$3.2B
Long term debt
$471.3M
$86.2M
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