Community Financial System, Inc.

NYSE:CBU Stock Report

Market Cap: US$3.3b

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 ($62.98) is trading below our estimate of fair value ($99.38)

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 Ratio20x
EarningsUS$165.75m
Market CapUS$3.31b

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 Average13.3x
FHB First Hawaiian
14.8x1.2%US$3.3b
CATY Cathay General Bancorp
11.9x5.5%US$3.4b
CBCY.B Central Bancompany
10.8xn/aUS$3.0b
CVBF CVB Financial
15.6x3.8%US$3.1b
CBU Community Financial System
20x17.4%US$3.3b

Price-To-Earnings vs Peers: CBU is expensive based on its Price-To-Earnings Ratio (20x) compared to the peer average (13.3x).

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 20.0xIndustry Avg. 12.5xNo. of Companies81PE0612182430+
4 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: CBU is expensive based on its Price-To-Earnings Ratio (20x) compared to the US Banks industry average (12.5x).

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 Ratio20x
Fair PE Ratio16.4x

Price-To-Earnings vs Fair Ratio: CBU is expensive based on its Price-To-Earnings Ratio (20x) compared to the estimated Fair Price-To-Earnings Ratio (16.4x).

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$62.98
US$70.67
+12.2%
5.4%US$77.00US$66.00n/a6
Dec ’25US$69.23
US$67.20
-2.9%
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$38.00US$69.237
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

Analyst Forecast: Target price is less than 20% higher than the current share price.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/26 02:39
End of Day Share Price 2024/12/24 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Community Financial System, Inc. is covered by 18 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Erik ZwickBoenning & Scattergood, Inc.
Manuel NavasD.A. Davidson & Co.
Russell Elliott GuntherD.A. Davidson & Co.