How does CBU's PE Ratio compare to its peers?

CBU is expensive based on its Price-To-Earnings Ratio (22.5x) compared to the peer average (16.4x).

How does CBU's PE Ratio compare vs other companies in the US Banks Industry?

CBU is expensive based on its Price-To-Earnings Ratio (22.5x) compared to the US Banks industry average (13.2x).

What is CBU's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

CBU is expensive based on its Price-To-Earnings Ratio (22.5x) compared to the estimated Fair Price-To-Earnings Ratio (16.6x).

What is the Fair Price of CBU when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

CBU ($70.86) is trading below our estimate of [[fair value]] ($128.59)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Target price is lower than the current share price.

Community Financial System (NYSE:CBU) - Stock Price, News & Analysis

CBU Stock Overview

Operates as the bank holding company for Community Bank, N.A. More details

CBU fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	3/6
Past Performance	4/6
Financial Health	6/6
Dividends	5/6

Rewards

Trading at 44.9% below our estimate of its fair value

Earnings are forecast to grow 17.91% per year

Earnings grew by 10.3% over the past year

Pays a reliable dividend of 2.6%

Risk Analysis

No risks detected for CBU from our risk checks.

Community Narratives

Create a narrative

Narratives bring a range of perspectives from our community.

WarrenAI

Based on Analyst Price Targets

Tactical Growth And Talent Drive Robust Future For Insurance And Banking Segments

Key Takeaways Strategic branch expansion and talent acquisition are set to enhance revenue through increased loan and deposit growth and operational efficiencies. Investment in infrastructure and diversified noninterest revenue streams are expected to boost profitability and earnings stability.

View narrative

US$67.20

5.4% overvalued

10.56%

Revenue growth p.a.

5 days ago

Community Financial System, Inc. Competitors

Cathay General Bancorp

NasdaqGS:CATY

US$3.8b

First Hawaiian

NasdaqGS:FHB

US$3.6b

United Community Banks

NYSE:UCB

US$4.1b

Fulton Financial

NasdaqGS:FULT

US$3.9b

Price History & Performance

Summary of all time highs, changes and price drops for Community Financial System
Historical stock prices
Current Share Price	US$70.86
52 Week High	US$72.30
52 Week Low	US$41.50
Beta	0.64
11 Month Change	25.37%
3 Month Change	16.66%
1 Year Change	59.06%
33 Year Change	-0.34%
5 Year Change	4.99%
Change since IPO	1,317.20%

Community Financial System: Earnings Outlook Is Positive, But Stock Appears Fairly Valued (Rating Downgrade)

Nov 03

Recent updates

Community Financial System: Earnings Outlook Is Positive, But Stock Appears Fairly Valued (Rating Downgrade)

Nov 03

Community Financial System: A Solid Dividend Aristocrat, But Still Too Expensive

Aug 11

Community Financial System's (NYSE:CBU) Dividend Will Be Increased To $0.46

Jul 22

Community Bank System: The Cost Of Total Deposits Remains Incredibly Low

Jan 28

The Community Bank System, Inc. (NYSE:CBU) Yearly Results Are Out And Analysts Have Published New Forecasts

Jan 26

Community Bank: Upgrading To Buy But Keeping Earnings Estimate Largely Unchanged

Sep 15

Community Bank System Enjoys A Bright Top Line Outlook But Appears Fairly Valued

Nov 14

Community Bank System Non-GAAP EPS of $0.94 beats by $0.02, revenue of $175.37M beats by $2.01M

Oct 24

Community Bank System's (NYSE:CBU) Shareholders Will Receive A Bigger Dividend Than Last Year

Sep 11

Community Bank's Earnings Will Likely Grow Next Year But Stock Appears Overvalued

Jul 30

Community Bank System's (NYSE:CBU) Dividend Will Be Increased To $0.44

Jul 24

Community Bank System raises quarterly dividend by 2.3%

Jul 20

Shareholder Returns

	CBU	US Banks	US Market
7D	4.1%	1.8%	2.2%
1Y	59.1%	57.7%	31.6%

Return vs Industry: CBU exceeded the US Banks industry which returned 57.7% over the past year.

Return vs Market: CBU exceeded the US Market which returned 31.6% over the past year.

Price Volatility

Is CBU's price volatile compared to industry and market?
CBU volatility
CBU Average Weekly Movement	5.8%
Banks Industry Average Movement	5.1%
Market Average Movement	6.3%
10% most volatile stocks in US Market	15.7%
10% least volatile stocks in US Market	3.1%

Stable Share Price: CBU has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: CBU's weekly volatility (6%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1866	2,768	Dimitar Karaivanov	communityfinancialsystem.com

Community Financial System, Inc. operates as the bank holding company for Community Bank, N.A. that provides various banking and other financial services to retail, commercial, institutional, and municipal customers. It operates through three segments: Banking, Employee Benefit Services, and All Other. The company offers various deposits products, such as interest and noninterest -bearing checking, savings, and money market deposit accounts, as well as time deposits.

Community Financial System, Inc. Fundamentals Summary

How do Community Financial System's earnings and revenue compare to its market cap?
CBU fundamental statistics
Market cap	US$3.72b
Earnings (TTM)	US$165.75m
Revenue (TTM)	US$706.34m

22.5x

P/E Ratio

2.1x

P/B Ratio

Is CBU overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CBU income statement (TTM)
Revenue	US$706.34m
Cost of Revenue	US$0
Gross Profit	US$706.34m
Other Expenses	US$540.59m
Earnings	US$165.75m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	3.15
Gross Margin	100.00%
Net Profit Margin	23.47%
Debt/Equity Ratio	53.4%

How did CBU perform over the long term?

See historical performance and comparison

Dividends

2.6%

Current Dividend Yield

58%

Payout Ratio

Does CBU pay a reliable dividends?

See CBU dividend history and benchmarks

When do you need to buy CBU by to receive an upcoming dividend?
Community Financial System dividend dates
Ex Dividend Date	Dec 13 2024
Dividend Pay Date	Jan 10 2025
Days until Ex dividend	18 days
Days until Dividend pay date	46 days

Does CBU pay a reliable dividends?

See CBU dividend history and benchmarks

CBU Stock Overview

Rewards

Risk Analysis

Tactical Growth And Talent Drive Robust Future For Insurance And Banking Segments

Community Financial System, Inc. Competitors

NasdaqGS:CATY

US$3.8b

NasdaqGS:FHB

US$3.6b

NYSE:UCB

US$4.1b

NasdaqGS:FULT

US$3.9b

Price History & Performance

Recent News & Updates

Investor sentiment improves as stock rises 17%

Community Financial System: Earnings Outlook Is Positive, But Stock Appears Fairly Valued (Rating Downgrade)

Price target increased by 7.5% to US$64.75

Third quarter 2024 earnings: Revenues exceed analysts expectations while EPS lags behind

Second quarter dividend of US$0.46 announced

Community Financial System, Inc. Announces Quarterly Dividend on Common Stock, Payable on January 10, 2025

Recent updates

Investor sentiment improves as stock rises 17%

Community Financial System: Earnings Outlook Is Positive, But Stock Appears Fairly Valued (Rating Downgrade)

Price target increased by 7.5% to US$64.75

Third quarter 2024 earnings: Revenues exceed analysts expectations while EPS lags behind

Second quarter dividend of US$0.46 announced

Community Financial System, Inc. Announces Quarterly Dividend on Common Stock, Payable on January 10, 2025

Community Financial System, Inc. Appoints Savneet Singh as Independent Director, Effective October 1, 2024

Community Financial System, Inc. to Report Q3, 2024 Results on Oct 22, 2024

Upcoming dividend of US$0.46 per share

Community Financial System: A Solid Dividend Aristocrat, But Still Too Expensive

Now 22% undervalued

Price target increased by 8.2% to US$56.75

Community Financial System's (NYSE:CBU) Dividend Will Be Increased To $0.46

First quarter dividend increased to US$0.46

Community Financial System, Inc. Announces Quarterly Dividend, Payable on October 10, 2024

Investor sentiment improves as stock rises 18%

Community Financial System, Inc. to Report Q2, 2024 Results on Jul 23, 2024

Upcoming dividend of US$0.45 per share

First quarter dividend of US$0.45 announced

Community Bank System, Inc. Declares Quarterly Dividend, Payable on July 10, 2024

First quarter 2024 earnings: EPS misses analyst expectations

Community Bank System, Inc., Annual General Meeting, May 15, 2024

Community Bank System, Inc. to Report Q1, 2024 Results on Apr 23, 2024

Upcoming dividend of US$0.45 per share

Full year 2023 earnings: EPS misses analyst expectations

Fourth quarter dividend of US$0.45 announced

Community Bank System, Inc. Announces Quarterly Dividend, Payable on April 10, 2024

Community Bank Appoints Dan Kennell as New Commercial Banking Officer

Community Bank System: The Cost Of Total Deposits Remains Incredibly Low

The Community Bank System, Inc. (NYSE:CBU) Yearly Results Are Out And Analysts Have Published New Forecasts

Full year 2023 earnings: EPS misses analyst expectations

Community Bank System, Inc. Reports Net Charge-Offs for the Fourth Quarter 2023

Community Bank System, Inc. Elects Michele Sullivan as Independent Director, Effective as of February 1, 2024

Price target increased by 8.4% to US$52.43

Community Bank Names Jeff Levy as New Chief Banking Officer

Now 21% undervalued

Price target increased by 9.4% to US$48.36

Community Bank System, Inc. to Report Fiscal Year 2023 Results on Jan 23, 2024

Upcoming dividend of US$0.45 per share at 3.8% yield

Insufficient new directors

Community Bank System, Inc. Announces its Quarterly Dividend, Payable on January 10, 2024

Third quarter 2023 earnings: EPS misses analyst expectations

Community Bank System, Inc. Reports Net Charge-Offs for the Third Quarter 2023

Community Bank System, Inc. to Report Q3, 2023 Results on Oct 24, 2023

Price target increased by 7.3% to US$56.86

Community Bank: Upgrading To Buy But Keeping Earnings Estimate Largely Unchanged

Community Bank System's (NYSE:CBU) Dividend Will Be Increased To $0.45

Upcoming dividend of US$0.45 per share at 4.0% yield

Community Bank System (NYSE:CBU) Is Increasing Its Dividend To $0.45

Community Bank System, Inc. Reports Unaudited Net Charge-Offs Results for the Second Quarter Ended June 30, 2023

Second quarter 2023 earnings: EPS exceeds analyst expectations

Community Bank System, Inc. Announces Increase to Its Quarterly Dividend, Payable on October 10, 2023

Now 21% undervalued after recent price drop

Community Bank System, Inc. and Community Bank, National Association Announces Executive Changes

Community Bank System, Inc. to Report Q2, 2023 Results on Jul 31, 2023

Upcoming dividend of US$0.44 per share at 3.3% yield

Now 20% undervalued after recent price drop

Community Bank System, Inc. Declares Quarterly Cash Dividend, Payable on July 10, 2023