Community Financial System, Inc.

NYSE:CBU Stock Report

Market Cap: US$3.1b

Community Financial System Valuation

Is CBU undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

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

Below Fair Value: CBU ($58.38) is trading below our estimate of fair value ($73.6)

Significantly Below Fair Value: CBU is trading below fair value by more than 20%.


Key Valuation Metric

Which metric is best to use when looking at relative valuation for CBU?

Other financial metrics that can be useful for relative valuation.

CBU key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ratio2.9x

Price to Earnings Ratio vs Peers

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

The above table shows the PE ratio for CBU vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average11.6x
CBCY.B Central Bancompany
10.8xn/aUS$3.1b
FHB First Hawaiian
14x1.8%US$3.2b
FBP First BanCorp
11.2x-3.8%US$3.5b
FINN First National of Nebraska
10.7xn/aUS$3.0b
CBU Community Financial System
18.5x6.4%US$3.1b

Price-To-Earnings vs Peers: CBU is expensive based on its Price-To-Earnings Ratio (18.5x) compared to the peer average (11.6x).


Price to Earnings Ratio vs Industry

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

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a8.5%
n/an/an/a
No. of CompaniesPE048121620

Fetching data

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a8.5%
n/an/an/a
No more companies

Price-To-Earnings vs Industry: CBU is expensive based on its Price-To-Earnings Ratio (18.5x) compared to the US Banks industry average (11.1x).


Price to Earnings Ratio vs Fair Ratio

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 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio18.5x
Fair PE Ratio12.1x

Price-To-Earnings vs Fair Ratio: CBU is expensive based on its Price-To-Earnings Ratio (18.5x) compared to the estimated Fair Price-To-Earnings Ratio (12.1x).


Analyst Price Targets

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

The above table shows the analyst CBU forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$58.38
US$50.50
-13.5%
5.5%US$55.00US$46.00n/a6
Jul ’25US$46.89
US$50.50
+7.7%
5.5%US$55.00US$46.00n/a6
Jun ’25US$45.46
US$50.50
+11.1%
5.5%US$55.00US$46.00n/a6
May ’25US$44.31
US$51.86
+17.0%
8.1%US$60.00US$46.00n/a7
Apr ’25US$47.23
US$52.86
+11.9%
8.0%US$60.00US$46.00n/a7
Mar ’25US$45.19
US$53.29
+17.9%
6.8%US$60.00US$49.00n/a7
Feb ’25US$45.38
US$53.29
+17.4%
6.8%US$60.00US$49.00n/a7
Jan ’25US$52.11
US$48.36
-7.2%
6.6%US$55.00US$45.00n/a7
Dec ’24US$46.93
US$45.07
-4.0%
8.4%US$50.00US$38.00n/a7
Nov ’24US$39.90
US$44.21
+10.8%
7.9%US$50.00US$38.00n/a7
Oct ’24US$42.21
US$55.29
+31.0%
11.0%US$62.00US$42.00n/a7
Sep ’24US$47.47
US$56.86
+19.8%
5.6%US$62.00US$53.00n/a7
Aug ’24US$55.17
US$56.86
+3.1%
5.6%US$62.00US$53.00n/a7
Jul ’24US$46.88
US$53.57
+14.3%
6.2%US$58.00US$47.00US$46.897
Jun ’24US$50.10
US$53.83
+7.5%
4.5%US$57.00US$50.00US$45.466
May ’24US$48.77
US$53.83
+10.4%
4.5%US$57.00US$50.00US$44.316
Apr ’24US$52.49
US$60.50
+15.3%
6.7%US$66.00US$54.00US$47.236
Mar ’24US$60.31
US$62.20
+3.1%
5.3%US$67.00US$57.00US$45.195
Feb ’24US$58.39
US$61.40
+5.2%
5.3%US$67.00US$57.00US$45.385
Jan ’24US$62.95
US$64.60
+2.6%
4.9%US$68.00US$59.00US$52.115
Dec ’23US$64.91
US$64.60
-0.5%
4.9%US$68.00US$59.00US$46.935
Nov ’23US$62.71
US$64.60
+3.0%
4.9%US$68.00US$59.00US$39.905
Oct ’23US$60.08
US$69.80
+16.2%
5.0%US$75.00US$64.00US$42.215
Sep ’23US$65.26
US$69.80
+7.0%
5.0%US$75.00US$64.00US$47.475
Aug ’23US$68.07
US$69.80
+2.5%
5.0%US$75.00US$64.00US$55.175
Jul ’23US$64.25
US$73.50
+14.4%
8.3%US$81.50US$64.00US$46.885

Analyst Forecast: Target price is lower than the current share price.


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