Community Financial System, Inc.

NYSE:CBU Stock Report

Market Cap: US$3.7b

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

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?

Key metric: As CBU is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for CBU. This is calculated by dividing CBU's market cap by their current earnings.
What is CBU's PE Ratio?
PE Ratio22.5x
EarningsUS$165.75m
Market CapUS$3.72b

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 Average16.4x
CATY Cathay General Bancorp
13x4.5%US$3.8b
FHB First Hawaiian
15.8x-0.7%US$3.6b
UCB United Community Banks
22.3x18.8%US$4.1b
FULT Fulton Financial
14.3x13.4%US$3.9b
CBU Community Financial System
22.5x17.9%US$3.7b

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

Price to Earnings Ratio vs Industry

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

4 CompaniesPrice / EarningsEstimated GrowthMarket Cap
FRCB First Republic Bank
0.02xn/aUS$27.98m
BKGM BankGuam Holding
1xn/aUS$18.48m
SBNY Signature Bank
0.002xn/aUS$2.18m
BCBH.F Caribbean Investment Holdings
0.00001xn/aUS$132.00
No more companies available in this PE range
CBU 22.5xIndustry Avg. 13.2xNo. of Companies92PE0816243240+
4 CompaniesEstimated GrowthMarket Cap
No more companies

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

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 Ratio22.5x
Fair PE Ratio16.6x

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

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$70.86
US$67.20
-5.2%
7.6%US$77.00US$63.00n/a5
Nov ’25US$61.25
US$65.20
+6.4%
2.5%US$67.00US$63.00n/a5
Oct ’25US$56.38
US$63.50
+12.6%
4.7%US$67.00US$59.00n/a4
Sep ’25US$61.16
US$63.50
+3.8%
4.7%US$67.00US$59.00n/a4
Aug ’25US$60.02
US$63.50
+5.8%
4.7%US$67.00US$59.00n/a4
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$38.00US$61.257
Oct ’24US$42.21
US$55.29
+31.0%
11.0%US$62.00US$42.00US$56.387
Sep ’24US$47.47
US$56.86
+19.8%
5.6%US$62.00US$53.00US$61.167
Aug ’24US$55.17
US$56.86
+3.1%
5.6%US$62.00US$53.00US$60.027
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

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

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