Community Financial System

Branch Expansion And Digital Banking Will Secure Long-term Success

AnalystConsensusTarget

Not Invested

Based on Analyst Price Targets

Published

24 Sep 24

Updated

30 Apr 25

Views

n/a

AnalystConsensusTarget's Fair Value

n/a

-0.9%

0.8%

-0.9%

0.8%

You can edit this narrative until May 12 6:00 AM. Then, changes will post as Updates.

Author's Valuation

US$67.410.0% undervalued

AnalystConsensusTarget Fair Value

Narrative

Updates8

Shared on 30 Apr 25

Fair value Decreased 1.63%

Shared on 23 Apr 25

Fair value Decreased 0.71%

AnalystConsensusTarget has increased shares outstanding growth rate from -0.0% to 0.0%.

Shared on 17 Apr 25

Fair value Increased 2.39%

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 09 Apr 25

Fair value Decreased 4.65%

Shared on 02 Apr 25

Fair value Increased 1.54%

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 26 Mar 25

Fair value Decreased 0.47%

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 19 Mar 25

Fair value Decreased 0.93%

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 11 Mar 25

Fair value Increased 6.18%

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

AnalystConsensusTarget Fair Value

US$67.4

10.0% undervalued

Future estimation in

Growth p.a.

Decrease

Increase

Current revenue growth rate

9.29%

Banks revenue growth rate

0.26%

Risk Level (Discount Rate)

Our default considers factors like the company's size, volatility, profitablity and country of operation.

Decrease

Increase

Current discount rate

6.96%

Calculation

US$328.82m

Earnings '28

13.23x

PE Ratio '28

US$4.35b

Market Cap '28

US$4.35b

Market Cap '28

53.76m

No. shares '28

US$80.89

Share Price '28

US$80.89 Share Price '28

Discounted to 2025 @ 6.78% p.a.

US$66.45

Fair Value '25